WillisBack/dataset-financial-user-claim huggingface dataset:
We submitted a full short sale package for XXXX purchase price back in XX/XX/XXXX in XXXX, then in the first week of XX/XX/XXXX Mr. Cooper countered our original offer an additional XXXX more. My buyer provided his property inspection report, and countered back at XXXX. Sensing the sale date getting closer, we again asked if the sale date was postponed? We were told by Mr. Cooper they would file a motion to cancelled the upcoming XX/XX/XXXX Foreclosure Sale Date since they had received a completed short sale package and a CASH offer, and since the counter offer was still short of the investors price, they would also have to put the property in their auction site XXXX. But the sellers had to agreed to that or they would cancelled teh short sale. They Also told us not to worry, because they will cancel the foreclosure sale date. 

The property was in the Auction for a week and my buyer was the only bidder, since the home had may issues with mold and water damages. Since my buyer was the only bidder, and he already had the property under contract with Mr. Cooper, we were told that XXXX would transfer it back to Mr. Cooper. That transfer took another week of loss time for them to release the property. Then Another week went by before Mr. Cooper engaged us in XXXX to let us know that the property was being release back to XXXX   and the Negotiator wanted to counter again at XXXX. 

We agreed on the XXXX sale price and teh lender requested a HUD-1 reflecting the new price, and addendum reflection all parties has agreed to said price, and updated proof of funds. All documents were quickly uploaded and sent to the Lender in XXXX. 

Last week we requested a response on when we can expect the short sale approval. The Sellers also went to court on XX/XX/XXXX to make sure the sale date for the property was indeed cancelled. They showed up and was told that the lender a day before sent in a motion to cancel the original motion to cancel the Sale date and they were proceeding with the foreclosure on XX/XX/XXXX.

We explained that this was a Dodd-Frank violation and it goes against the CFPB guidelines, and we were told, too bad! The sellers contacted Mr. Cooper on the phone and spoke with the bank for about an hour. She spoke with XXXX XXXX in regards to our situation and she had all the paperwork in front of her, she got someone from the foreclosure department to review our package and she saw the $ XXXX cash offer. She came back on the line and advised the sellers that the paper work was all sent in time and that they are rescinding the foreclosure and will continue with the offer. 

We are now told that they will not vacate the foreclosure. Can someone help?
I WAS LOOKING ONLINE FOR A WAY TO BOOST MY CREDIT SCORE AN RAN ACROSS 2 COMPANIES THAT OFFERED TO REPORT TO THE CREDIT BUREAUS ALL 3 AND THEY GUARANTEED A IMMEDIATE REPORTING TO THE CREDIT BUREAUS. BUT I HAD TO PAY A FEE EVERY MONTH THEY REPORT. THESE COMPANIES ARE XXXX XXXX -- -- -- REPORT AS XXXX XXXX XXXX XXXX =========REPORT AS XXXX XXXX PLEASE XXXX XXXX XXXX, AND XXXX XXXX THEY ARE SCAMMERS!!!! ! XXXX!! I ASKED THEM TO STOP DEBITING MY ACCOUNT AFTER I HAD ESTABLISHED CREDIT OF MY OWN. AND THEY CONTINUED TO DEBIT MY ACCOUNT. THEY DO NOT OFFER ANY PRODUCTS ONLY TO REPORT TO THE CREDIT BUREAU. SO THERE FORE I ASKING THAT ALO 3 CREDIT BUREAUS REMOVE THESE 2 ACCOUNTS FROM MY CREDIT REPORT OR PROVIDE ME PROOF OF PRODUCTS ORDERED AND A PAY HISTORY .I HAVE BEEN PAYING THESE COMPANIES JUST TO REPORT TO THE BUREAUS TO INCREASE MY CREDIT SCORE.  PLEASE REMOVE
i have been checking my credit every month and this account show up out of no where. haven't received everything from this company.
I sent my son {$40.00} through Money gram at this time my son is located in XXXX XXXX CA and I am in XXXX XXXX. My son 's ID was stolen so we provided with another person 's name that was provided. This person was not able to retrieve the money after trying 3 times through money gram. I called to speak with money gram to solve this situation and they are refusing to cancel the transaction due to needing the receiver 's ID which we can not retrieve. I am the sender and have proof of sending and they will not provide a refund to me although it is my money. Due to the receipt it explains the process of refund and by section 2102 of The California 's Financial code it states if I am not provided with refund, I am entitled to my money back plus a penalty of up to XXXX and attorney fees pursuant to this section. I rather not pursue to that extent, I just would like my refund of XXXX since the receiver is not able to access the funds through money gram.
XXXX  shows Service Bureau Inc with a " potentially negative '' note of a {$10.00} paid medical bill going to collections. This is in error. If I would have known about this {$10.00} charge sooner, I assure you it would have been paid immediately. I was never notified
I have opened a Citi XXXX credit card in response to an offer of XXXX bonus XXXX points after spending first {$2000.00} within first three months. The offer arrived in the mail several hours after I have completed an online application with less amount of bonus points. I have called and asked for my application was changed to the right promotion before the card arrived. The representative did not accommodate and after few days, following their advice I closed the first application and reapplied again, this time responding to the correct promotion. I have never used, or even activated the first card. The same promotion ( XXXX bonus points ) was running on Internet every day I was logging on my card account for much longer after I opened the correct card. 
I have completed the required amount of purchases but did not get any points. When I tried to call and find out why I did not get points, I was given different answers every time someone new answered the phone : a ) I did not complete the required number of purchases in time ( someone could not calculate that there are 3 months between XX/XX/XXXX and XX/XX/XXXX ) b ) I opened wrong card, not the one with promotion c ) I had a return ( a class I was planning to take was cancelled ), and that invalidates my points, etc. 
d ) Because I had previously opened another card ( the one I never activated or used ), I am not entitled to any promotion. 
After multiple calls and letters, Citibank issued me XXXX but not the XXXX listed in the ad. I believe they should stand by their advertisement ( both mailed and shown at my banking login ) and give me remaining bonus point. I did my part of the bargain by spending & gt ; {$2000.00} in three months as was required to me. 
I believe that looking for excuse not to grant me what they owe is dishonest and I am quite shocked that the bank with which I do business for over 20 years would resort to such a deceitful practice. I have enclosed the letter I previously sent to the bank and a copy of promotion that was mailed to me.
Despite this account already being showed to be Id theft both companies have replaced it once again on my credit report sevelu damaging my life and my ability to feed my children, obtain housing or any time of loan while Im XXXX.
I had a hospital debt from XX/XX/XXXX and had a financial agreement to repay this on a monthly basis ; which was done as agreed. I received a letter from the debt collector last summer ( XX/XX/XXXX) for the amount of XXXX and contacted the firm and explained that I had been making payments and that the amount they were trying to collect did not represent these payments, and the maximum amount the hospital could charge me was XXXX ; which represented my co-pay at the time. The woman I spoke with was pleasant and told me that there would be no action until I sent in documentation to show payments. I did questions why the account was being sent to a collection agency since I was making payments and she told me it did not matter if I was making payments, the hospital could still hire them. 

I received nothing else form the company and on XX/XX/2017 I finally was able to get the information compiled and sent a copy of payments, with proof of insurance ( to verify the incorrect amount owed ) and a letter to both the hospital and the debt collector. 

The first week of this year XX/XX/XXXX I received a letter from he collection company dated XX/XX/XXXX with an amount due of {$95.00} which I assumed was the balance after the proof of payment was received. When I called the credit agency they said it was another amount and that they had not received any communication from me regarding the payments made. ( This information was sent certified and I am still looking up the postage receipt - I should have within 48 hours ). I explained the scenario to the call center representative, XXXX. I did not get any real information from him, other than it was my fault if it did not require a signature. ; which it did not - it was certified ; AND, this was a separate bill : which shocked me. If the services provided were only two days apart and I received the first notice last XXXX - why am I receiving my first notice for this account XXXX? I also asked XXXX to request detailed information from the hospital about charges and he responded that they were not allowed to ask for that because it was confidential information. 

I asked to speak to a manager and he transferred me to a woman who 's name I believe was XXXX. We reviewed my discussion with XXXX and she basically said the same thing. While I thought the issue was taken care of she assured me it was not. I asked why I did not receive any further communication from them and she stated that they are a debt collector, not a billing company and they send out collection notices at differing times on a case by case basis. When I asked her about what they case by case basis was, she could not explain and became defensive. She said she could request detailed billing information via their paralegal. She was very defensive after the questioning about statements and hung up on me. 

I have dealt with this company before, they adversely affected my credit. It is unconscionable that they are able to accept a debt collection account without proper validation and without constant notification to the patient.
Call is from Citi Cards. They keep calling me over a MasterCard debt. I finally decided to address them today in-depth after I've already told them before not to call. I told them I do not have a MasterCard. I told them very firmly. They accused me of yelling at them when I was just firmly stating I do not have a Mastercard. At which point I said I only have visas that's how I know I don't have a MasterCard debt. Then they said well that's great we can help you with your Visa debt to you can save thousands of dollars. I said no thank you please take me off the list. They refused to even listen to me. I ask to speak to a supervisor. I asked repeatedly. He kept interrupting me and finally said I am the supervisor. I said great. Please remove me from the list. He refused and kept telling me no no no no no no. This needs to stop. I told him he would be reported.
I had an account with XXXX XXXX XXXX back in XXXX that I had cancelled. I returned every piece of equipment they supplied us with to their local office. I received a bill in the mail claiming that I was being charged for a piece of equipment that they never even gave me. I called the local office several times and they always told me they were looking into it and would call me back but never did. I then received a collections letter showing they sent my account off for collections. Long story short, after them not correcting their error I had filed a complaint with the Better Business Bureau against them. I had asked that they correct their error and remove the charges and recall the collection account. They had responded that they were removing these charges but I still have a collection account from " EOS CCA ''. I have attempted to dispute this with the credit bureaus and them with no success. They are attempting to collect false charges and refuse to delete this from my credit report.
I sent a certified letter to this company on XX/XX/2017, requesting a verification of debt. Although the company did however receive the letter, they continue to call my phone 2-3 time per day. I asked that all communications cease until the medical bill is properly/correctly verified.
I am a graduate of XXXX in XXXX, NY. I have XXXX private loans services by Navient. They loans have now entered repayment and the total due monthly is about {$730.00}. In tandem with my federal loan debt obligations, these payments combined with my housing costs consist of 85 % of my monthly income. It is unsustainable for me to possibly keep up such high payments. Upon calling Navient, I was informed that only XXXX of my loans was eligible for a temporary reduction ( 12mos ) after which my payments would become even higher than they were originally. I was told that my other loan could not be reduced because it was disbursed before XXXX XXXX. I requested more information about this " XXXX XXXX '' deadline and only received repeated answers, " it was disbursed before XXXX XXXX '' and no other explanation. I attempted to explain the financial hardship these payment costs placed on me but was met with indifference every step of the way.
I fell behind on my auto loan payments with Consumer Portfolio Services. On XXXX XXXX, XXXX, I spoke with a department supervisor and agreed to make a payment of {$1100.00} on Friday, XXXX XXXX, XXXX and that would avoid a repossession of the vehicle. I was told that after that payment, I would need to make arrangements to correct the remaining outstanding balance of {$1100.00}. I asked if they could give me anything in writing so that I would n't make this payment that we agreed upon and the agreement not be honored by CPS. I was told that they could not put anything in writing. I was told by ( XXXX XXXX, Supervisor ) that once a payment was made on a pending repossession, that CPS wasrequired by law to halt the repossession and allow the customer to remedy the situation. On Friday the XXXX, I made the agreed upon payment of {$1100.00} and confirmed receipt of the payment with a representative over the phone. On Sunday morning, somewhere between XXXX and XXXX., the vehicle was repossessed. I called CPS on Monday to find out what happened. I was told by XXXX XXXX that the vehicle should not have been taken, and that she had personally contacted the recovery agent on Friday, after I made the payment, and related to them that the repossession was halted. I was then told that there was nothing that she was able to do since it was taken, and that I would have to speak with the Recovery Department. I spoke with the Recovery Department on Tuesday, XXXX XXXX, XXXX and was told that they would review my case and contact me within 48 hours. I did not receive a call back, and tried on numerous times to contact them. I left numerous voice messages over the course of the next couple of days and never received a call back. A few days later, I received a letter dated XXXX/XXXX/XXXX which was a " Notice of Our Plan To Sell Vehicle. '' I left numerous messages on the number that was given but my calls were not returned. I reached out again to XXXX XXXX and explained that the people in the other department would not return my call. She had XXXX of her department persons walk to the XXXX department and place a note of explanation on someone 's computer monitor. I still did not hear from that department. Today is XXXX XXXX, XXXX, and I received another " Notice Of Our Plan to Sell Vehicle '' stating that the vehicle will be sold at a private auction on TOMORROW, XXXX XXXX, XXXX at XXXX My requests for a phone call have not been honored, the vehicle should never have been taken, and I should not be penalized with an unjust repossession on my record, especially when I paid the amount agreed upon in order to stop the repossession. I discovered that this same company just paid out {$5.00} XXXX in XXXX to the FTC for the same practice that they are doing with me now ... ( " CPS is also charged with failure to establish and implement reasonable written procedures and failure to reasonably investigate and respond timely to consumer disputes under the Furnisher Rule '' ) Here is the link : https : XXXX This is totally unfair to me as a consumer.
On XXXX XX/XX/2018, I opened a BMO Harris Smart Advantage checking account. I opened the account online, which stated that the relevant promotional code would be " automatically applied '' if I " applied online now ''. This wording still persists on their website : https : //www.bmoharris.comXXXX Per the terms of my promotion at that time, I was to receive a {$200.00} bonus after ( 1 ) making two direct deposits of {$500.00} or more within 90 days of opening the account, and ( 2 ) ten debit card transactions posting to the account within 90 days of opening the account.

I am eligible for the bonus : - Both of the two direct deposits of {$500.00} posted on XXXX XX/XX/2018. 
- All ten of the debit card transactions posted on XXXX XX/XX/2018. 
- 120 days have passed since opening the account. 

I have attempted to resolve this myself several times : - I spoke with a representative on Monday, XX/XX/2018. I was told to call back at the end of the week. 
- I spoke with a representative on Friday, XX/XX/2018. I was told to call back at the end of the week.

- I spoke with a representative on Monday, XX/XX/2018. I was told that the promotional code may not have been attached to my account. I told them that their website said it was automatically applied, but the representative insisted this did not matter. I was repeatedly asked for this automatically-attached promotional code ( which I eventually did find in an old email ). 

I was also told different terms for the bonus ( saying I needed {$600.00} direct deposits instead of {$500.00} ). I was told there was no qualifying activity on my account when this was clearly not true. In short, I felt like the representative was just saying whatever she could to get me to acquiesce. 

I have met the terms set forth in the opening promotion for this BMO Harris checking account, and as such I am eligible for the {$200.00} bonus. BMO Harris is engaging in deceptive business practices by refusing to honor their own terms.
AR Resources, Inc. sent a letter on XXXX XXXX, 2016, requesting a balance of XXXX. I sent a letter of validation and verification of the alleged debt, which was received by AR Resources on XXXX XXXX, 2016, via US Certified Mail # XXXX XXXX XXXX XXXX XXXX. On XXXX XXXX, 2016, XXXX XXXX, Supervisor, verified that my letter of verification was received in their office. AR Resources applied this account to my credit file days after becoming aware of my letter of validation and verification. AR Resources has not provided me with proper verification and I am requesting an immediate removal of this account from my credit file. I am requesting a cease and desist on this account until AR Resources can validate this alleged debt and send proper verification.
I am, as it stands currently, a student at XXXX XXXX XXXX XXXX in XXXX, MA ( at least until they drop my classes come XXXX XXXX ). XXXX is the number XXXX XXXX school in the country and costs close to {$60000.00} per year in tuition, fees and housing. As you can see, financial assistance is in almost every case necessary and I was n't born into a wealthy family. However over the course of my adult life I have taken steps to turn the tides on my family 's financial situation. So, with excellent credit, I had no need for a cosigner when I first borrowed money from Discover Student Loans in XX/XX/XXXX. Now, in XX/XX/XXXX, the only thing that has changed for my credit is the nearly {$80000.00} I have borrowed from Discover to pay for my first two years of school via their self-described student loan program. 

With less than 60 days before my next XXXX payment is due and after close to two years of financing me, Discover suddenly decided I am in need of a cosigner. For some students this would be a non-issue, but for me it 's a devastating conclusion. None of my friends, family or extended family have been able to get approved through Discover to be a cosigner. Not only that, but they were refused for Parent Plus loans through the university. I have utilized all of my available subsidized, un-subsidized loans and Federal XXXX XXXX options amounting to about {$8400.00} per semester ; and was depending on Discover to finance the balance, as they did in my first year-and-a-half, to cover XXXX 's tuition of approximately {$60000.00} per year. 

There should be no reason why a student with good credit history, who is only indebted by Discover Student Loans who agreed to lend them money in the first place, should be denied the funds to finish his or her education. With two years left to go for my XXXX degree and this last-minute demand for a consigner, I find myself too late for scholarship deadlines and with no financial options. Without my XXXX degree and the earning power it would provide me, it will be a struggle to even begin to repay the money already borrowed from Discover. 

I would like to see Discover Student Loans bound by 4-year degree contracts with their clients that state Discover Student Loans can not terminate financing until a degree is completed or the four years concludes, whichever comes first. Regardless of the need for a cosigner, Discover should not be able to plunge a student into debt by trying to renegotiate their contract midway through and without the promise of a degree. 

Discover has the right to change its policies but should not change things up arbitrarily and suddenly for students who are proven good customers and who they know have no other options. Imagine buying a house or a car and only getting half of the loan necessary so you ca n't actually buy the house or car but still have to pay the bank for something you never actually received. It is bad policy for a financial institution to renege on its obligation to a student halfway through the pursuit of a college education.