WillisBack/dataset-financial-user-claim huggingface dataset:
I am making a complaint against Suntrust Mortgage XXXX XXXX XXXX, XXXX VA XXXX In reference to Loan No : XXXX. The basis of my complaint is that on or about XX/XX/XXXX I was advised in writing by Suntrust that my escrow impound would increase {$630.00} per year or {$52.00} per month based on a projected escrow shortage On XX/XX/XXXX, I received some correspondence from XXXX XXXX which caused me to discover that there there would in fact be no escrow shortage as I had been paying on two Homeowners Policies in error when the new escrow was caluclated in XX/XX/XXXX. Thereafter I immediately began to obtain a reanalysis of the escrow impound from Suntrust on XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX over the course of four lengthy conversations. Some of Suntrust 's telephone reps could not understand the issue. One explained that I should get a refund from XXXX and send the money back to Suntrust, who thereafter would send the money to me. I simply want a lawful escrow impound on any future payment. Hopefully beginning XX/XX/XXXX. I was told by the last rep of Suntrust but for the double insurance coverage my XXXX would be approx {$750.00}, which was almost exactly what I was paying ante the inaccurate and unlawful escrow analysis. 
These are the facts. I assumed the loan from my parents XXXX and XXXX XXXX in XX/XX/XXXX, after making the payments myself from the inception of the loan in XX/XX/XXXX. In XX/XX/XXXX Suntrust collected {$860.00} ( {$7200.00} prorated monthly ) from XXXX Policy Number XXXX. As part of the assumption process Suntrust required that I obtain homeowners insurance in my name which I did through XXXX Policy number XXXX effective XX/XX/XXXX at XXXX XXXX  yearly ( prorated {$86.00} per month ). XXXX never cancelled the aforementioned policy XXXX, thus from XX/XX/XXXX until the XX/XX/XXXX policy was cancelled on XX/XX/XXXX according to Suntrust 's records I was paying two insurance policies from XXXX on the same policies which is both unlawful and legally impossible. The failure to cancel policy number XXXX caused Suntrust to blindly analyze that their would be a monthly {$52.00} escrow shortage. Suntrust acting in a manner contrary to law, decency, and common sense absolutely refuses to re-analyze the incorrect escrow impound. They have adopted the unlawful and anti-consumer position that I must send them any refund that I received from XXXX for double billing from XX/XX/XXXX until the first policy was cancelled on XX/XX/XXXX oe in spite of my explaining their mistake they would not re-analyze their escrow calculation. i am being treated unlawfully and bullied by Suntrust for reasons beyond my understanding
Initially filled a complaint on here about Wells Fargo keeping a check issued to me from my insurance company to fix my house. I tried to contact them several different times, at which point Wells Fargo responded that they were researching it. I now hold 7 letters from them, explaining that they are researching. However, on XXXX XXXX, XXXX, my home of 17 yrs was bought at foreclosure auction for XXXX by none other than Wells Fargo!!! The home appraised at almost XXXX. Plus they have my insurance check for almost XXXX .... 
Wells Fargo has become the worst mortgage/bank in America!! And after reading over comments on XXXX, they have foreclosed on many more houses, just like mine. If any other company got caught stealing like this, they would be in jail for embezzlement. Making up fake accts, stealing insurance checks, bad car repos ... I mean, when is someone going to investigate and make Wells Fargo stop these practices that are so illegal?????
I have reported some accounts to Equifax that are not mine and they have not removed this information from my credit report yet.
I have filed a complaint against XXXX XXXX XXXX XXXX or more times for this same issue. They falsely report payments as late then when a complaint is filed they admit it is wrong and remove them only to put the same information back on my account a couple months later. They are falsely reporting that I have XXXX late payments.
When I opened up my PNC business checking account I was enrolled in the following promotion : Earn {$300.00} with a business checking plus account when you complete the following requirements : Maintain the minimum average cycle balance of {$5000.00} for each of the first 3 statement cycles Make at least 10 total qualifying PNC Bank Visa Debit Card transactions and/or PNC Bank Mobile Check Deposits [ 3 ] within the first three statement cycles ============================================================== However I have not received the {$300.00} after 4 statement cycles. Upon inquiry, PNC rep stated because the first month ( in which I opened the account ) I did not have {$5000.00}, I did not qualify. It is unreasonable to assume that customer would have the {$5000.00} balance when the first statement closes right after opening and I have to set up direct deposit and ACH.
I am disputing 2 inquiries On XX/XX/2017 XXXX/EXPERIAN IDENTITY XXXX XXXX/EXPERIAN CREDIT WORKS I NEVER CONTACT THEM I FO NOT HAVE ANY IDEA WHO THIS IS! 
Please remove this from my credit Thank you XXXX XXXX
A old debt still remains on my credit report, Account Name XXXX XXXX  Account Number XXXX Account Type Revolving Bureau - XXXX Date Open - XX/XX/XXXX High Limit - {$7600.00} Monthly Payment - Account Balance - {$52000.00} Last Reported - XX/XX/XXXXAccount Status - Charge - Off Amount Past Due - XXXX Account Designator - Authorized User
On XX/XX/XXXX I contacted Capital One to advise that I had been charged 5 to 6 times by XXXX in XXXX and XXXX for over {$15000.00}. XXXX XXXX waived all the fees and finance charges and online it stated my next payment of {$830.00} was due XXXX even though the minimum payment still included the the wrong charges from XXXX. I call Cap One on XX/XX/18 to advise that I couldnt see my reward points. They advised me that my account was passed due so I couldnt use or see my rewards points. I advised them that I had over {$15000.00} in charges that were not mine but that XXXX was refunding to me. They basically said to bad you still owe us the minimum payment even though it was based on this charge from XXXX. I was advised by XXXX XXXX that there are no managers to speak to and her no answer was the final answer from Cap One. So they are making their customers pay payments on charges that are fraudulent or in error.
I have filed several complaints with the CFPB including disputing the last response to my last complaint.I have had an ongoing dispute with Drivetime over the condition of the vehicle that was sold to me in XXXX 2015. We started having trouble 2 weeks after the purchase it has been in the shop over 15 times and we discovered the inside of the seats are completely rusted. We were advised a 3rd party inspector said that it is surface rust. we have taken it to 3 different establishments all at the direction of Drivetime. 2 of them advised the rust was excessive and it appears to have water inside the vehicle at some point due to the rust and mold. well finally we were advised to to take it to XXXX who could not do anything because they are a BODY REPAIR shop. Well then the 3rd party person comes out make the claim that is just surface and that 's it. They will not accept photos from me, but expect me to go with their final decision after they kept running me around until they got the answer they wanted.
My mother got behind when my dad died. She is in an adjustable mortgage an d Wells Fargo will not work with us to get a fixed rate and bring her mortgage current.  They keep suggesting she do a deed in lieu of foreclosure even though she is only {$10000.00} behind or 100 days. She has equity in the house but they refuse to work with her. She is  XXXX   years old an d I feel they are taking advantage. I have been overpaying the mortgage for 3 months and they accept the payments
XXXX i recently asked my Account manager to give me more time to find the {$300.00} dollars to complete the reboot of their computer system so that i can access my account, But the directors are final on the date the XX/XX/XXXX!!! For me to find this money, If i can not find the {$300.00} my funds that were left to me will be confiscated, this is a lot of money to loose! even a bank would not like to loose so much, i know that you are giving them 16 days to reply but i urge you to put more pressure on this bank, i do not know if you can find me a lawyer and legal aid, i do not know if i qualify for legal aid in the XXXX? i know there is no chance in the XXXX as the government stopped legal as a cost cutting in the financial sector was at the time costing millions to the XXXX and being unemployed on a very low budget less than XXXX pounds per month is a strain on every thing as it is i am just coping with paying my mortgage on very reduced payments also a secure loan i have is also reduced two smaller loans i am unable to pay so i believe i will receive a summons to appear in county court,
Dear XXXX, This letter is to address an XXXX XXXX bill that was sent to collections back in 2011. I am disputing this because I never received a bill from XXXX XXXX. And when I tried to communicate with XXXX XXXX, they told me the address they sent the bill. That address they had on file was not my correct address. I told them there was a mistake and this was not my address or the address I gave to them when I signed up for the XXXX credit card. XXXX XXXX told me they already sent the bill to collections and it was out of their hands. That 's when a {$20.00} dollar bill turned into {$270.00}, which really upset me to not want to pay the bill at all. 

Now it 's 6 years later and I am trying to get a home and refinance my student loan. I have my XXXX child on the way and I need to provide for my family. I can not do so because of this negative credit report from XXXX XXXX. I ca n't believe how these pair of flip-flops I purchased from XXXX XXXX has haunted me. I do n't care anymore that a twenty-dollar purchase at XXXX XXXX has turned into a {$270.00} dollar purchase. I already paid the bill that was owed to the collections agency, XXXX XXXX. I asked for a pay for deletion and they said that I would need to talk to XXXX XXXX 's Charge Off Department. I was sent to you and asked to write a letter to this XXXX. I know you get these letters every day, but there has been an honest mistake. I am asking for you to see a person, not another letter. I am asking you to listen and try to understand my situation. I am a person, just like you. Trying to better myself to better my family, just like you. Trying to feed a family and make a life for them, just like you. I am asking for your help to get this error corrected. Specifically, I am asking to get this negative mark from XXXX XXXX off my credit history. I understand you 're busy and it is hard to read letter after letter and care. But please try. This is my life. 

I appreciate your time and understanding. If you have any information that would help my situation, please let me know. 

Thank you, XXXX XXXX XXXX
I have had this same issue in the past with the original creditor XXXX and the collection agencies. This account has been closed and deleted from my credit report when I first disputed it with XXXX, copy of letter and response is attached, and once again now this new collection agency, I.C. Systems Inc.,  is claiming I owe them without even mailing me anything through the U.S. Mail or calling me on my phone. How is it that they are reporting to my credit reports a negative account that has been closed? I want them to delete this immediately from my credit report if I.C. System Inc. can not verify this alleged account according to the Fair Debt Collections Act.
Long story short. I was in a substantial XXXX XXXX XX/XX/XXXX. We were XXXX XXXX XXXX XXXX XXXX. I have a XXXX XXXX XXXX XXXX XXXX. I was out of work for several months. I have some savings left and made Ditech a settlement offer for approximately {$10000.00} less than what i owed. They treated it like a Short Sale and buried me in paper work, kept telling me I did n't send them my signed XX/XX/XXXX tax return. I sent it 3 times. They told me they never received it. After months of going back and forth, they denied to have the underwriter look at it. I dealt with numerous employees at Ditech none were cooperative or helpful. XXXX XXXX their Manager told me he had sent the papers in at one point. Lies, Delays and denial. I told them all this was not a Short Sale it was a settlement offer. I 've been in this home 22 years. I never missed a payment. I just wanted the debt off my back while I 'm healing. Recently I cancelled my escow, They sent me a letter telling me I needed to pay my taxes so I did. They sent the taxes as well. Now I have {$3100.00} tied up in their escrow trap and they are delaying sending the check. They said they wired it to The XXXX XXXX XXXX. The treasurer told me they never got it and that they would not get involved. I am so sick of this company and their customer service. I do n't need the extra stress in my life after my accident. Can you please help? I have since paid off my mortgage, but I ca n't get anyone to help me get my escrow money back. Thanks XXXX XXXX XXXX Ditech customer # XXXX
A lady by the name of XXXX XXXX fron XXXX, tele num, XXXX has continued to call me after speaking to the actual company about the situation. XXXX has also called my contacts I had filled in upon getting the loan without permission. I had missed her call again because of my phones virus detection, saying marketing, hence never answered my phone. XXXX left a voicemail so, I called her back. Once on the phone with her, she didnt want to hear a reason to as why because I owed debt and that the month is ending and they need a payment. I as of six weeks ago was laid of from my job and from a single income family with XXXX children, I told her that I will have no problem paying for the two missed payments that I missed. XXXX didnt want to hear this as she said, I do not care what you think of me or pretty much anything you have to say but youre telling me your not going to pay? I said, thats not what I said. She then started to become very angry and repeatedly said, your not paying, your not paying. I then asked, I have no information to who you are and who you represent. I also have no letter on this. Can you please mail me one? XXXX then told me that she is not a mail service and we already mailed one and I k now you have it. I daid to her, Im sorry but I do not. After yelling at me more she said well, since youre not paying this, cause I need a yes or a no from you, I am transfering you. Another very nice gentleman got on the phone, and I asked if he could mail a letter to me, and he said well, we just did yesterday and I will also email you as well.
HOW MANY LETTERS DOES A PERSON NEED TO SEND THAT SAYS CEASE AND DESIST? BECAUSE I HAVE SENT XXXX TO THE COMPANY. THEY ARE CALLING AND HAVE IT UP ON MY CREDIT STILL
I am a cosigner on a loan with my son at USAA. The loan was for a {$67000.00} signature loan taken out in XX/XX/XXXX. At all times during this loan, payments were always made on time. 

On XX/XX/XXXX, my son ( one of the applicants on the loan ) filed for bankruptcy. However, my ex husband and myself did not ( co-applicants on the account ). So according to the loan agreement, I am still responsible for the payment of this loan. I did not file for bankruptcy. After the bankruptcy was filed, USAA charged the account off and reported the account as a charge off to my credit report. This action dropped my credit score over 135 points. At the time this loan was charged off, the account was current. It is also noteworthy to mention that USAA took a payment on XX/XX/XXXX and subsequently returned it to my son. USAA never notified me that one of the applicants filed for bankruptcy and they never gave me an opportunity to make payments on the loan. 

USAA is damaging my credit report by reporting this account as charged off. They charged the account off while it was current. Furthermore, a bankruptcy filing by one of the three applicants on the loan should not negatively affect the credit of the other two non-filing applicants, especially when payments have been made on time.
A few weeks ago, I contacted Capital One for a 60 day extension due to me having XXXX and being off for 3 1/2 months. I do not want to fall behind and have payments not paid to count against me as it will be very hard to catch up due to having other bills as well. I was told that there was nothing that can be done because the account is too new when I called XX/XX/XXXX and that I had to have the account for at least six months. I have worked for auto financing company before and there are exceptions that can made, so this is unacceptable. I have XXXX other vehicles that I purchased the same day as this car and that company that is financing those XXXX cars did the extension since I am a XXXX and do not get paid when I am off. I am a valuable customer as I have credit cards and have had another vehicle, which I traded in for this vehicle, through Capital One. I do n't think that this is how you treat valuable customers. 
I recently had to call Capital One XXXX 's with customer service stating that someone will call me. Finally, the third time I called after not receiving a call back and was told that I was still not able to get an extension. This is a SCRA account ; why ca n't I get a 2 month extension after Capital One has been getting paid on time even after my XXXX and being denied the extension XX/XX/XXXX.
In viewing my credit report information on XXXX I had an alert from a new collection by a company called XXXX XXXX. The account said the original lender was XXXX XXXX XXXX which I have never had any dealings with or knowledge of. There was no date shown as to when the account was opened or transferred for collection. The account number given was XXXX for a balance of {$1600.00}. Either this is a fraudulent account or this company is pulling a scam. I have never received any correspondence from this company. I tried calling their toll free number but there was no answer.
On XXXX-18, I opened a checking account with the promise of a {$200.00} bonus ( https : //info.regions.com/regions/18/hhg/cashoffer/campaignlp/index.html? promo=200PD18Q3 ). 

I later opened a savings account and was promised a {$100.00} bonus if I made regular transfers for six months. 

On XX/XX/2018, I received a form letter from XXXX XXXX with Regions Bank : " We are unable to verify certain information '' and requesting a copy of a Lease Agreement, Mortgage Statement, or current utility bill. I am currently living in a XXXX XXXX  home, so have none of these. Does this mean Regions no longer wants my business? Please explain why you would threaten to close my accounts if I don't provide documents I do not have. I think the answer is simple : Regions is trying to avoid paying me the {$200.00} promo they promised me when I signed up -- for shame REGIONS! 

I spoke with XXXX. She tried to help, but, alas the bureaucracy wouldn't allow it! She assures me that the letter wasn't an attempt to deprive me of my bonus. She stated that it was generated when a Regions person accidentally entered a PO Box as my physical address, and that it had been fixed. I asked for a letter verifying that it was fixed and my accounts would not be closed, but apparently that isn't " policy, '' so can not be done. 

They were quick to put their threat to close my account in writing, but can't give me any assurance that it is fixed in writiing -- how is that fair? Shouldn't everything about a business relationship be able to be put in writing -- at least as long as everyone is dealing in good faith? 

I still think they are trying to avoid paying the {$200.00}
Repeat phone calls and emails to put me in a XXXX XXXX XXXX forgiveness plan. I XXXX XXXX XXXX and have for XXXX years. I talked with XXXX @ XXXX XXXX XXXX and gave info and signed off logically on their service. I sent no money but have gotten no info. They have my banking info but no moneyXXXX XXXX XXXX so there is none.
XXXX XXXX sold two accounts to Portfolio Recovery in the amount of {$960.00} and {$1000.00}. They have been contacting me harassing me about a debt that I have no knowledge of. On XX/XX/XXXX and XX/XX/XXXX i demanded they provide proof of contract between me and XXXX XXXX. I asked them to remove this inaccurate information against my credit file. I have no written or signed contract with Portfolio Recovery nor XXXX XXXX. I have made all credit bureaus ( XXXX, XXXX, and XXXX ) aware of this matter, yet they continue to report inaccurate information on my report. This matter has become troublesome situation for myself and my family. Any help assisting me with this matter is greatly appreciated.
I want to report serious issues I encountered with Experian credit freezing service and policies. 
I wanted to apply for an XXXX XXXX card in a process of purchasing International flight tickets ; therefore, I lifted Credit Freeze on XXXX and XXXX while I placed a freeze with these two companies. I was denied the credit card due to a Credit Freeze in Experian, which I did not place to my best knowledge. I keep paper records and do not have anything, nor I remember calling Experian. 
My wallet was stolen in year XXXX. I reported this to the police and three banks I had credit cards and bank cards with. I had credit frozen by XXXX and XXXX personally at that time. Probably one of the banks or credit agencies froze my credit with Experian as well. 
When I wanted to Lift the freeze I went to the Experian.com web site. Four out of the five questions I had to answer None because the information was not valid. The freeze was not lifted as a result of incorrect information submitted XXXX/XXXX/XXXX @ XXXX PM. 
I called Experian XXXX/XXXX/XXXX @ XXXX PM and was told my Lift is locked due to wrong answers given and that it will take three business days to unlock it after I submit an identification proof. I submitted a copy of my drivers license as requested to the Experian.com Upload web page @ XXXX PM. 

I called Experian Friday XXXX/XXXX/XXXX @ XXXX PM and found out to my deep disappointment that they are closed due to the Holiday. Their services list as working on Saturdays and Sundays as well. It is not Holiday yet, it will be on Monday XXXX XXXX XXXX. 

This is unacceptable. The International flying tickets I need to buy were down to the last two seats today in the morning.
I had XXXX XXXX and the final bill was paid by credit card over the phone on XX/XX/XXXX and service was cancelled and equipment was picked up by service man at my residence. I moved out of my apartment that day. Company claims I never cancelled service and billed me for 3 additional months. XXXX XXXX did not file a collection notice until XXXX on my credit report. Company claims I owe them {$230.00}. XXXX XXXX sent me a " Notice of Rights '' letter dated XX/XX/XXXX indicating that they received the claim I disputed and stating that if I do n't respond within 30 days they will consider the debt valid. On XXXX XXXX I had a XXXX XXXX in Vermont and subsequently was hospitalized at the XXXX XXXX XXXX XXXX XXXX where I had a XXXX XXXX which can all be fully documented. I was unable to respond to the Notice of Rights due to my XXXX XXXX.