WillisBack/dataset-financial-user-claim huggingface dataset:
Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Product : Mortgage Issue : Trouble during payment process Please see my initial complaint information above. 

This complaint has NOT been resolved. Now the company is sending me letters warning that I am late with my payments. I tried calling the number and person who responded to my complaint however, they did not answer so I left a message. This company has some serious communication issues. Additionally, they have very shady practices in applying payments and charging astronomical prices to service the mortgage. I am requesting that you look into their mortgage loan practices. This company bought out my loan and ever since they started servicing my loan, I have had problems. 

They do not apply the payments I make and then charge me fees that I do not understand. When I have called to tell them to apply my payment, they have ignored my attempts. They continue to send me bills and call me daily. They sent me a letter to state that they would stop payment on the checks that sent me and apply those payments to my account however, I would still owed {$1700.00}. I called the number they had in the letter ( no answer ) but left a message to stop payment on those checks and sent {$2000.00} to make sure I covered the amount. 

Today I received a letter stating that my account was in arrears and they would start collection. I don't know what will resolve this issue since any attempt to communicate is thwarted by answer machines or being placed on eternal hold.
This is as far as what happened XXXX, I am totally disappointed as this institution has the way to convince take advantage of the money of the parents, my daughter XXXX who attended this Academy from XX/XX/XXXX to XX/XX/XXXX I have not seen any change progress in their Totally deficient math grades, with a totally low grade. The only thing that my daughter was taught was divisions that is not fair. 
They do not have trained teachers or a better teaching method for the student. 
Now they according to their record that my daughter took XXXX hrs those XXXX hrs is nothing based on what? my daughter did not learn anything, I flatly refuse to pay XXXX dollars as the manager told me that I would have to pay that is not XXXX, I am a single mother I do not have financial resources to pay. 
I also want to let you know XXXX XXXX XXXX the manager was a way to make a trap with me when I signed the contract, everything was in English I did not understand the process and signed without knowing what I was doing, I speak XXXX I beg you to have consideration to my request I can not pay the sum of XXXX dollars, I totally reject and I hope not to be ignored by you. 
Thank you
Today  XX/XX/XXXX  I will be sending in documents.     Sale date issued - violation of RESPA - I never ot notice of the sale from OCWEN or   XXXX   XXXX   the bank being investigated fro   XXXX    money laundering.     I was force to file chapter  XXXX  to stop the sale date. I had to go through this last years and filed chapter  XXXX  last years as well due to the same actions. I have tried to modify since  XXXX  when  Litton sold to OCWEN and used forced placed insurance when I had insurance.     I am part of the  Litton/OCWEN Settlement for  the " Constant Judgment '' against OCWEN. I seek the written requirement that give those harmed the ability to modify under consumer relief for those that want and can save their homes. I want and can pay for this home.     Now more fraud while under Settlement of RESPA violation of no notice for a sale date. Only by Realtor 's did I learn of the sale. Please help, sending in documents today   XXXX  .
Usaa bank did illegal closure of my checking account, savings account, credit card, renters insurance and auto insurance and illegal credit reporting. I need help from media FTC Now!
Hi.Legal recovery law office representing XXXX XXXX got a default judgment on a credit card debt in XX/XX/XXXX. They had a bank levy and started wage garnishment immediately. On XX/XX/XXXX I received a letter from Law offices of Hunt and Henriques. stating that that they are now representing XXXX XXXX with still a balance of {$9700.00} and the last payment they received was in XX/XX/XXXX. ( Wage garnishment started in XX/XX/XXXX and is still ongoing ). I have on numerous occation asked for a payment history but they keep sending the original Judgment. I believe either the judgment has been paid or being closed to being paid off. I would like The law office of Hunt and Henriques to provide some clarity on this judgment and a payment history please. Thank you.
My information was stolen in the hack of Equifax 's data stores. I confirmed that my data may have been affected on their site : https : XXXX. 

I submitted a credit watch and have looked at my credit report : no issues so far. It is messed up that a credit company does not have secure databases. ESPECIALLY when that database contains information that can mess up people 's lives for years to come.
In receipt of the latest correspondence from Wells Fargo Home Mortgage Return Mail Operations, dated XXXX XXXX, 2016. This is yet another attempt of calculated bullying designed by Wells Fargo Home Mortgage to begin the steps of credit ruin. The letter comes on the heels of my correspondence with XXXX XXXX, of the XXXX XXXX XXXX, NC Wells Fargo Branch. In which we sat down, discussed my concerns, made copies of my deposits and letters from Wells Fargo Home Mortgage. In an attempt to receive a definitive resolution, seeing that my point of contact XXXX XXXX ( XXXX ) XXXX, whom I contacted XXXX twice ), yesterday at XXXX and XXXX. In both instances I was unable to establish contact with XXXX XXXX. Additionally while at Wells Fargo XXXX XXXX XXXX, I made a deposit of {$1600.00}. All while XXXX XXXX phoned a Wells Fargo Home Mortgage representative directly while I sat listening. The letter sent to my home states that I requested mortgage assistance and that I must " Please Contact Us Right Away, Do n't Delay- Call Us Right Away! ". The tactics displayed by Wells Fargo Home Mortgage has now come to a point of unprecedented ridiculousness. I challenge Wells Fargo Home Mortgage to provide proof of myself requesting this assistance. Even through this back and forth of repeated letters and Wells Fargo Home Mortgage failing to request pertinent information, ie, receipts, deposits. The manage to attempt to flat out lie to gain the upper hand. Again PROVE that I requested this assistance, with either a phone call, email, written request, anything!!. This company is at the height of shame and sham, to falsify documents is AGAINST THE LAW!. This and other false documents will continue to be shared with CFPB and the CEO 's of Wells Fargo Home Mortgage, XXXX and all other agencies necessary.
I recently pulled my credit report and discovered that this company has reported that I owe them a debt. I do not recall them sending me a letter informing me that I owed them a debt. I was not allowed my rights to request validation or dispute it which I 'm afforded under the FDCPA
Pay Pal and I settled on a debt with an attorney. I had closed my account in PayPal. I had over paid initially as I did not know how much we would settle for. They returned my overpayment to a former Pay Pal account that I NOW can not access. I can not get a " live '' person to return my money. I can not get into this account. I 'm unable to access any way to get my refund. I need help! Below is the copy of the statement PayPal sent to me via my email. I called the number offered on the bottom of the email and was sent to the collection agency, who in fact, told me to call PayPal. It 's going back and forth. Meanwhile they have {$750.00} of mine that I can not access. 

Hello XXXX XXXX XXXX, We thought you 'd like to know that we 've added a credit to your PayPal account. 

Credit date : XX/XX/XXXX Amount : {$750.00} USD View more details If you have any questions about this credit, click Contact near the bottom of any PayPal page, and we 'll be happy to help. 


Thanks, PayPal Help Center | Resolution Center | Security Center Please do not reply to this email. To get in touch with us, click Help & Contact. 

Copyright XX/XX/XXXX-XX/XX/XXXX PayPal, Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

PayPal XXXX : XXXX
Experian refuses to properly verify and investigate my XXXX disputes. They have, on many occasions, sent me hurtful and frightening letters accusing me of sending them suspicions letters and requests when all I am asking them to do is investigate and remove XXXX prematurely placed Tax Liens from the public records section of my file. TAX LIENS ID # XXXX and # XXXX are no longer reported in the courts as they were accidentally placed before the the due taxes were received. the courthouse and the county clerk have since been filed them as invalid and they have been removed. Experian 's is also required to delete these XXXX items. These public record items are no longer valid or legal. I have spent so much money sending them correspondences, ID 's, social security card copies, bank and billing statements and they continue to give me the run around. They have verified XXXX items that are no longer under my name and refuse to remove it. How are they verifying these items? I have requested them to provide me the PROOF and some EVIDENCE so that I know and see for myself that an investigation has occurred but they refuse to answer me or correspond to my requests. They have NOT conducted an investigation and i fear that they will continue to tarnish my great record because they do not want to help me and that they have no way of proving to men that they are properly investigation my disputes. They are causing me so much emotional and financial hardships and they continue to accusing ME of wrongdoings. I need the help of the government.
i want my pmi to be removed.i am sorry i was cliked on applied for a loan i am not
I was contacted in the past regarding debtfor someone otherthan myself. Allied Interstate was informed that I was notthe owner of the debt nor did I know them but the multiple dailycalls have continued.
I received a letter from Synchrony Bank telling me that they reviewed my account and due to XXXX returned payments, they were closing my account to further purchases. On XXXX XXXX, XXXX, I scheduled a payment not realizing that it was scheduled to be debited from a checking account that is closed. When it returned, I called Customer Service to find out and they told me. I asked them if there was a way to remove the checking account from my profile and the representative told me no there was n't. So, that checking account will remain under my profile until I pay the card off. On XXXX XXXX, XXXX, I scheduled a payment to be debited on XXXX XXXX, XXXX. I got my direct deposit on XXXX XXXX, XXXX and made XXXX payments to other creditors and I had planned to make a deposit into the account by the XXXX on the XXXX. I was n't worried about the Walmart payment because it should n't process until after midnight on the XXXX and the funds would be deducted a business day or XXXX later. Well, that is not what happened. I checked my back account later that day to find out that Synchrony tried to process the payment that morning, well before the processing would normally occur. I was charged a non-sufficient fund fee with my bank, which they credited back to me as a courtesy because they were confused how the servicer could do that. My bank was not sure if the Synchrony would attempt to debit the account twice for the Walmart payment. So, I used my bank 's bill pay service and sent a replacement payment by XXXX XXXX. I never got another message from Synchrony or Walmart about my payment being returned for the second time, so I figured everything was good. 
Now, almost a month later, I received the closed account letter and I called Synchrony. She told me that due to the XXXX NSF 's the system automatically closed the account. She said that the XXXX XXXX return was due to a closed account and that in XXXX XXXX, I had a payment return on XXXX XXXX and XXXX XXXX due to NSF 's. I told her I did n't know anything about the XXXX on the XXXX and I sent a replacement payment of {$54.00}. She put me on hold and came back a couple minutes later advising that she tried everything, but she could not reopen my account. I have been with them since XXXX and I am highly upset by this. I feel that the early processing of the XXXX XXXX payment should not have occurred. I was involved in a car accident on XXXX XXXX and as soon as I was able to, I went online and scheduled the payment to send through my bank trying to make the returned payment from XXXX XXXX right. I do n't handle my accounts in this fashion. This is not typical of me. I would like this issue to be reviewed by upper management.
My complaint is very simple not gon na complaint about XX/XX/XXXX when I lost my job or XX/XX/XXXX when my mom had a XXXX or XX/XX/XXXX when mom came down with XXXX or the recent loss of my grandpa who was like a father to me and Citimortgage refused to help My complaint is that my credit has been damaged to the point it is very poor and I do once or twice a year have fallen behind and made my payment on XX/XX/XXXX as always however there has been plenty of times like once they lost my check while in California taking care of my mom XX/XX/XXXX I took the bad mark other times I 've paid at XXXX my time according to them if the payment is not in their system by XXXX pm their time I am late and those reporting have hurt me so bad I ca n't get a job I get turned down for credit that I need to fix the rest of my home a home that has XXXX bathroom working out of XXXX a kitchen with mold and because my insurance did not pay I am living with that in the house I am always XXXX I take XXXX I need Citimortgage to drop off all the late marks on my credit report so I can go on about and not have to be late on my house payments because all I have is cash and my hands are tied
In XXXX I had my identity stolen in what was the XXXX XXXX and XXXX XXXX hack, someone used my XXXX  XXXX XXXX account and opened up a XXXX card. I immediately contacted law enforcement and reported under penalty of perjury the theft. Shortly after I contacted all 3 credit report agencies and asked the information be blocked pursuant to 15 usc 1681c-2b, all agreed, in XXXX of XXXX after noticing some inaccurate information on my Experian report I noticed they reinstated the accounts ; without notifying me-A violation of the fcra and FACTA amendments, Nor did they explain why, which under the FCRA is absolute and without question. I checked every report from XXXX and they randomly reinstated the accounts in XXXX of this year, in flagrant violation of numerous federal and state laws. I am a bona fide victim of identity theft and this has now cost me numerous accounts that have been denied or closed!
Dear Sir/ Madam, While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by Barclays XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report.Barclays has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This isa serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to viewmy credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized andfraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. in case it is needed to locate the fraudulent inquiry in their system. 
I then asked them to please send me written confirmation that they have complied with my requests and advised them that their failure tocomply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of their willful noncompliance [ 15U.S.C. 1681n ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney feesfor each and every fraudulent inquiry. 
Please do whatever is in your power to ensure that Barclays complies with my requests and to avoid other Consumers from
I have a home equity loan with Chase since XX/XX/XXXX. I am currently repaying it. The HEL is secured by my house. I had received XXXX  every year untilXX/XX/XXXX. I did not receive one for XX/XX/XXXX. I have tried to contact Chase numerous times and I have been told that the HEL is not secured by any real estate therefore they are not issuing a XXXX. This is completely wrong. The terms of the loan have not changed. I have been waiting for the XXXX and spent numerous HOURS on the phone with several agents, even with my branch manager, but they are refusing to issue a XXXX.

I am unable to file my taxes without that document. I need to submit copy of my taxes for my request for financial aid for both of my kids.

I have copies of XXXX from every year up to XX/XX/XXXX. Chase is refusing to correct their error.
This was is not my account, yet it keeps showing up on my credit as as delinquent account. Now it show as a charge off. Below are the dates and amounts from : Credit Acceptance XX/XX/XXXX {$2600.00} XXXX charge off XX/XX/XXXX {$2300.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$1700.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1100.00} XX/XX/XXXX {$860.00} XX/XX/XXXX {$660.00} XX/XX/XXXX {$540.00}
We used Draper & Kramer Mortgage XXXX to originate an FHA home loan. We closed on our home on XX/XX/2017. Our loan was almost instantly sold. The loan was then sold a second time within a year. The 3rd company that had our loan did an escrow analysis. They found we had an escrow shortage of {$5800.00}. I reached out to Draper & Kramer since our contact said he would always be there to help. I was confused how this happened. The shortage was a result of not enough money being collected at closing for our escrow account, not enough money being collected monthly in our payment, and our taxes going up. I understand the tax increase. But I cant understand how the loan originator made a mistake on the closing costs and monthly payment which is now putting my family in a bad financial bind. Their solution was to offer us an interest free loan to make up for their mistake. I do not feel this is fair. I do not feel I should now be indebted to the company that caused our hardship.
2 years ago it appeared on my credit report, and received a letter from Chase Bank that it was opened several years ago for {$10000.00}. Payments were made for years then stopped. I've never had a credit card with them, it was disputed with XXXX and removed from my credit history within 24 hours. Now this company called XXXX has been calling, today was probably the 10th phone call, but the first time I spoke with them. They even called my mother 's home! Chase should contact them as well and pursue legal action.
I was told that I had to take out loans until my GI BILL started by the schools VA rep. The VA Rep miss handled my paper work for my GI bill and was n't turned in on time. I was told the school was accredited and I could transfer, that was not the case and was forced to finish my schooling. once I graduated I found out that I owed XXXX in student loans, which was the first XXXX that the VA rep never turned in paper work for. After years of going back and forth VA told me they could not go back and pay those loans even if it was school reps fault. By the time I went back to XXXX XXXX the VA rep had been fired and no longer there for the miss handling paper work and they could do nothing to help me at the time.
I had a monthly payment of {$45.00} due to income based repayment. When I was close to graduation the company changed the payment to {$1500.00} a month. I had applied for income based repayment but they had not processed the paperwork. I sent the paperwork in XX/XX/XXXX. They did not inform me the paperwork was not received until XX/XX/XXXX. My payment went from {$1500.00} to {$21.00} for 2 months, then it was put in forbearance. In addition, they consolidated some of my loans but not others. I was told all loans would be consolidated to correct the company 's error in XX/XX/XXXX. I started to receive a $ XXXX monthly bill for one loan in XX/XX/XXXX. I received a {$310.00} bill for a different loan in XX/XX/XXXX. You write and you are told that department can not help you. You call and you wait on hold for 45 minutes to be hung up on. If you do not talk to the same person, you do not get the same information. There are no records of anything and there is no explanation as to why a payment would increase to 10 times what you paid before when your income did not increase.
I desire to have these inquires removed from my trans union. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Their customer service did not help and take care of removing negative inquires on my credit report.
I was contacted by a phone number at XXXX on Thursday XX/XX/2018. I returned the phone call to see what it is in regards to, the represenative asked if I was a particular party in which I told them I was not. I told the individual that I did not know who this person was and to stop contacting me. The mentioned that " this is an attempt to collect a debt and we will use any information to do so '' or something along the lines of that. Presumably this is a debt colector calling me about someone else 's debt in which I have no correlation to. After I mentioned to stop calling, more frequent calls came in, violating my rights as an American.
RE : PayPal case # XXXX, Merchant ID # XXXX SUMMARY : I sent {$3200.00} to my Nephew on XX/XX/XXXX. This is advertised by PayPal as an " Instant Delivery ''. 
The charge posted to my XXXX on XX/XX/XXXX. PayPal has the funds, but has delayed ( two weeks and counting ) and has still not delivered the payment as advertised and promised. 

On XX/XX/XXXX I made two payments using PayPal to my Nephew, XXXX XXXX. The 1st payment went through just fine. The 2nd payment Transaction ID # XXXX for {$3200.00} was flagged by PayPal as an " Open Dispute '' and a hold was put on delivering the funds. 
On XX/XX/XXXX I was on a 58 minute " chat '' session with XXXX from PayPal in an attempt to resolve PayPal 's concerns. XXXX was not able to answer my specific questions or help resolve the actual problem -- -he only was able to describe PayPal 's resolution processes. 
I can submit a transcript of the on-line chat session if requested. There was a initial problem with one of my funding bank accounts, but it was cleared up immediately and I have two emails dated XX/XX/XXXX and XX/XX/XXXX from the Branch Sales Manager saying the PayPal situation is resolved. 

I immediately submitted and have continued to submit all documents requested by PayPal as follows : Files ( 9 ) [ Add ] Date Sent Type of Documents File Title XX/XX/XXXX XXXX Fax Any Bank Account Statement XX/XX/XXXX FrontDriversLicense-pg-1.pdf Fax Any Bank Account Statement XX/XX/XXXX BackDriversLicense-pg-2.pdf Fax Any Bank Account Statement XX/XX/XXXX XXXX Fax Any Bank Account Statement XX/XX/XXXX XXXX-transactions.pdf Fax Any Bank Account Statement XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Bank Statement XXXX XX/XX/XXXX Bank Statement XXXX My XXXX card was changed on XX/XX/XXXX, so PayPal has collected the funds and I am requesting immediate delivery of {$3200.00} to my Nephew. I can provide copies of Bank emails, Credit card statements, etc to support this complaint if requested.