WillisBack/dataset-financial-user-claim huggingface dataset:
I had previously filed XXXX complaints against Seterus - XXXX and XXXX regarding unethical and illegal practices. After filing the last compliant, I sought assistance from an HUD approved agency, Washington XXXX XXXX for foreclosure prevention. We completed and submitted a complete package to Seterus. Seterus responded with a letter ( attached ) dated XXXX XXXX, XXXX with a payment agreement. The first payment of {$1300.00} was due on XXXX XXXX, XXXX. On that date, I called to make the payment and was informed the letter was sent by mistake and I had to pay {$3900.00} to keep from moving the foreclosure ( letter attached ). Because I have a lot of equity in my home, it would be an accelerated foreclosure. The least amount I could pay to prevent this was {$3900.00} on that day before going into a new month. Under this threat and pressure, I authorized the payment for that huge amount and then borrowed to cover the funds. Acknowledgement of payment on XXXX/XXXX/XXXX is attached. However, on XXXX XXXX, XXXX, I received a demand letter of foreclosure due in less than 30 days on XXXX XXXX, XXXX ( attached ). I have sent numerous complete packages to Seterus and after I submit a complaint for non-response to my request, they say something is not complete. Problems have been going on since my account has been with Seterus such as saying I had declared bankruptcy ( which I never have ) saying I was in foreclosure ( when the account was current ) increasing monthly payments, etc.
I had took out a loan from Big Picture Loans for the amount of {$550.00}, agreeing that there would be a interest rate and a payback period. I was informed they would take out {$140.00} until the loan was paid off with their interest. I was unable to view the " truth-in-lending '' disclosure in detail until the funds were already in my account and that they would be charging my account 697.0857 % interest and I would not be able to pay off the loan until I paid back {$3100.00}. To date i have paid back {$1000.00} wit only {$31.00} taken off the principal balance. They claim they are an XXXX XXXX and are immune to federal US law. There is no way to pay off your balance in full and I fear that they will try and Refinance and cease to stop taking payments from my bank account.
I have been dealing with XXXX XXXX over the last few years. Now that they have switched to Navient I have had nothing but issues with the company. In XX/XX/XXXX I was contacted by a Navient rep regarding my monthly payments. I thought I was still on a forbearance period and had no idea I was passed due XXXX months! She ( the agent who contacted me at the time ) helped me figure out a way to make a payment that could work with my budget, but forgot to tell me that it was only going to cover just XXXX of the XXXX loans. I was then contacted XX/XX/XXXX by a representative named XXXX whom was very rude and very unhelpful/disrespectful. I explained to him that I was unable to make a payment due to hardship and if there was anyway we could work something out to help me it would be appreciated. He then rudely told me I should seek a XXXX job and make my payments that way! I was thrown back by his commitment. At the time I just lost my mother due to a XXXX, she was only XXXX years old and it happened quickly,! I was in and out of work and on medical leave to help my family deal with our tough loss of our mother. Then, I have this representative tell me sorry you 're out of luck get a XXXX job! He made me feel worthless and helpless. Due to my situation I was unable to make payments or get adequate help with my loans. I recently got into XXXX and will be attending this summer or fall depending on my directors instructions. I received a call yesterday XXXX/XXXX/15 from my rep XXXX, again rudely expressed that I was a horrible person and began yelling at for trying to explain myself and the reasoning behind the missed payments. I asked to speak with a manager and it was not any better, I then asked for her supervisor and when she did I finally got to explain my past concerns and how I will be attending XXXX XXXX. We talked for 25 minutes and made arrangements for a payment the next day XXXX/XXXX/15. She also expressed to me that XXXX will no longer be contacting me and they will take proper actions with him regarding my concerns and his behavior. I also made sure she noted my account to pay the amount of {$310.00} and she assured to me severe times it is noted and her assistant is going to handle my payment the next day. So, today XXXX/XXXX/2015, I call to make my payment, was transfused to XXXX the agent who was causing me hard ache over the past months, told him to see his supervisors notes to make the {$310.00} payment, and I turn he said he saw nothing noted or an agreement noted in the system between me and his supervisor. I was so upset I hung up and ended the conversation. So I 'm back to square one and am running out of time. Again, I just need someone to help me or work with me and listen to my concerns. I have saved the voicemails from this representive as well. I have been loosing sleep over this and it 's causing me nothing but pain. I am doing the best I can with the cards I have been dealt at the moment. Please help and is there anything I can do? 
Thank you for your time!
I am filing a complaint against Rounpoint Morgage. For the reason I have submit a modification packed to them, and provided my proof of income, However ; they refused to approve my loan for a modification. I contacted Roundpoint to confirm if they had my correct income, because the deny documents I received did not provide the income or expenses that were use. After I contacted Roundpoint they confirm I have a XXXX surplus, after covering all house expenses included current mortgage payment. I am devastated because I am following the guidelines, and Roundpoint is refusing to approve my loan for a modification. I am showing them that my intentions are to keep my house. Please help me I am still willing to work directly with them again, however ; I am tired of Roundpoint is making me re-applying every time.
Money gram company has been unfairly refusing to do business with me. I do n't know the why. I ca n't receive or send money with the company. This has been going on for months. I received money of an amount of {$100.00} from my cousin in Texas. They agents of money gram has been asking many question even thought the company has my information in their system.
Hi I have made XXXX purchase on XX/XX/XXXX and the same was not working/defective and i had to return subsequently. 
i was asking for the refund from citiback credit card and they are not helping me. 

I need your help here.. 



Below is the latest info from citiback for my {$390.00} refund amount. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ACCOUNT NUMBER XXXX Citi ( R ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX This letter concerns the transaction described below made with card number XXXX : Date Amount Description XX/XX/XXXX {$390.00} XXXX XXXX XXXX XXXX We needed your response to our XX/XX/XXXX letter no later than XX/XX/XXXX in order to continue our investigation. Since no reply was received by this date, the dispute was closed. Please understand that Citi does not set these timeframes and we are unable to extend them or reopen a claim once this date has passed. We no longer have any options available to pursue a credit on your behalf through the dispute process. 
We regret that we are unable to assist you in this matter. 
Sincerely, Customer Service Team FEDERAL REGULATIONS REQUIRE THE STATEMENT ************************************************************************************************ I also providing further info that XXXX has settled the matter with citibank as below : -- -- - Original message -- -- - From : XXXX To : XXXX Cc : Subject : Re : Order : XXXX Date : Mon, XX/XX/XXXX XXXX XXXX Hello, We received your email about order XXXX. We have researched this matter and confirmed that the dispute in question has been resolved between XXXX and your card issuer. Therefore, we will not be able to reimburse you. 

Please contact your card issuer for more information about reimbursement for this purchase. In the future, file an XXXX XXXX claim to resolve any issues related to XXXX XXXX purchases before contacting your card issuer. For more information, see our XXXX XXXX FAQ ( XXXX ). 

We can not help you further with this problem. 

Sincerely, -- - XXXX Account Specialist XXXX XXXX I also confirm that the seller has confirmed that he has approved to issue credit to me as below : Order ID XXXX : Message : Dear XXXX, We confirm that the refund has been initiated on XXXX and our system shows that we have fully refunded you {$390.00}. 
Please find the attached screenshot of your order. 

Sincerely, XXXX XXXX XXXX
A Loan Modification Package was submitted to SLS on XXXX/XXXX/2016 37 days prior to a scheduled sale date ( Here to attached ). SLS provided a missing documents letter request on XXXX/XXXX/2016 requesting Tax Returns. A XXXX Form was provided with the package and due to HAMP new streamlined guidelines Tax Returns are no longer required to be considered a complete package. On XXXX/XXXX/2016 the requested documents was sent in the form of a Letter of Explanation stating the borrower 's Non-Filing status ( Fax Confirmation and letter of explanation are hereto attached. ) Confirmation of receipt of the conditions was confirmed with a XXXX at extension XXXX. SLS denied the loan modification request on XXXX XXXX but the borrower 's legal representative did not receive the denial letter until XXXX XXXX, 2016. ( Here to attached. ) SLS did not provide a new request for missing documents nor did they allow the borrower the allotted time to provide such missing documents as required by HAMP Directives prior to denying the loan modification on XXXX/XXXX/2016. In fact SLS sent a letter Dated XXXX XXXX, 2016 received by the borrower 's legal representative on XXXX XXXX, 2016 requesting for the borrower to contact them to provide instructions on how to apply for a loan modification request when the loan modification request was already provided. SLS was diverting there responsibilities as required by HAMP Directives to forward the loan modification request to the new servicer. SLS never provided the borrower nor their legal representative of the servicing transfer rights. The new servicer XXXX XXXX XXXX provided a servicing transfer letter dated XXXX XXXX, 2016 stating the servicing transfer became effective on XX/XX/2016 ( Hereto Attached ). SLS continues to send mortgage statements after transferring effective date of XXXX XXXX, 2016 ( Hereto attached ). SLS denied the loan without proper justification, did not allow the borrower proper time to provide requested documentation as required by hamp directives and did not allow the borrower the right to appeal such decision. SLS did so as a diversion of it responsibilities to transfer the loan modification request to the new servicer as it new in advance of the servicing transfer prior to the denial.
XXXX XXXX filed bankruspy XX/XX/XXXX they was unable to valdate the account XXXX  XXXX   XXXX had to delete the account then in late XXXX  it was put back on credit report
The payment history of my mortgage account received from BofA has transaction that are questionable. In the history of the account when Countrywide bought my mortgage XX/XX/XXXX for 6 years ( XXXX ) no payments was posted. XX/XX/XXXX was also the month my property tax was due. I did make payments to my mortgage in XX/XX/XXXX for these years that are not posted. 
On XX/XX/XXXX there is a transaction of {$4700.00} that was XXXX back to my mortgage balance. BofA has not provided an explanation for this transaction. 
There is a lien on my property by HUD for an amount of {$7600.00} filed XX/XX/XXXX. The court documents does not state what the loans was for and Bof A has state is a partial payment which they have not provided documentation of this transaction. They can only provide a history of the payments applied to my account. 
There are many missing payment made to my account.
I bank with Wellsfargo and also have a credit card with them. All of my checkings, savings, and credit accounts are linked. XXXX XXXX, 2016, XXXX, sent an unauthorized transfer request for {$1000.00}, resulting in an overdraft of XXXX from my Wellsfargo credit card to my Wellsfargo Checking account. I called immediately when I noticed my account was off. I was told that it would be quicker for me to resolve the issue with XXXX directly. I called them and it was resolved in 2 days. I asked Wellsfargo to reverse the transfer of funds and was told I would need to call the credit department and handle it on my own. When I called WF CC company, I explained the circumstances and the lady " understood '' waived the cash advance overdraft fee and told me I would need to authorize a " payment '' with her to return the funds. I later found that it should have been a credit reversal. When I received my XXXX or XXXX statement, I found I had been receiving a cash advance fee charge since XXXX or so. At this time, there are 3-4 months of cash advance charges on my credit card. I called because my transactions are the same as always so I knew something was wrong. I found out thr charges stemmed from the original XXXX transaction so I asked how to resolve. I am sure they can go back through call logs to see that I 've spoken with about XXXX people who all assured me it could be resolved. In short, I was last told to contact Wellsfargo Checking and follow-up on my initial claim. I did so and was told it was as simple as a form and that I 'd hear back in 10 days, which I did by letter. Unfortunately, the letter only reiterated what I already knew. Because I resolved the issue on my own, as prompted by the representative from WF Checking, my issue indicates a simple debit and credit in the amounts of {$980.00} and {$1000.00}. This does n't resolve my issue and no one from WF Checking or Credit Card seems to really understand and want to resolve the issue. I am beyond tired of following up on and this and attempting resolution. I 've also filed a complaint against WF Checking as I feel both company areas have failed me miserably. I may not be rich and I may " get by with a little extra left '' but it 's still my money and I still deserve to be treated just as well as any well to do client. I am tired of calling and following up and getting the same results. Everyone seems to understand the issue but who has the power to rectify it. I just need this issue resolved and closed. However, I will say this, I do not allow anyone to defraud me without repercussions. I will follow this process through and if it need be, get my local media involved as well. I 've been bounced to so many people, I just need to speak with someone who can resolve the cash advance issues on my account.
( 1. XXXX ) In XX/XX/2018 I spoke with XXXX XXXX XXXX store card to ensure my payments would be allocated to promotional balances. 
In XX/XX/2018 I was charged interest so I called in to inquire as to why and they talked me through selecting this online ( even though I had already done this in XXXX. Today I was updating my budget in preparations for the holidays and noticed approximately {$160.00} in fees that resulted because my payments were, again, not allocated. I spoke with a supervisor who said " this does happen frequently but you know, we do expect you guys to check in every month. '' She refused to pull recordings of past conversations or verify who/how my selected allocation preferences were changed and said that she was unable to assist in recovering these funds in any way. 

( 2. XXXX ) In XX/XX/2018, I was solicited at a gas station to take advantage of an amazing promotion : 5 % cashback for nonfuel purchases XXXX cents per gallon in fuel credits up to {$1000.00} purchases XXXX cents per gallon in fuel credits for every gas purchase We were going on a month long road trip and these promotions sounded perfect- I would make payments every few days and could get all of our gas, other purchases, even pay bills back home. 
The card was consistently declined, despite the money being out of my bank for nearly two weeks at a time. 
Once the payment did " clear '', the purchases I would make would also take longer than usual to appear. 
This caused a number of hardships for us : we were not able to purchase or make payments toward things we needed because they took our money out of the bank but withheld it for so long ( multiple difficulties and additional funds/fees from our other sources ) It also frequently made the very promotions they solicited us with, invalid ( roughly {$400.00} ). 
I called for a supervisor twice and was told none were available.
I received a notification on    XXXX   XXXX   XXXX      of a new inquiry from Cash Central at  XXXX   XXXX   XXXX   XXXX   XXXX  Utah  XXXX . I called their customer service line at  XXXX  and after being placed on hold by the automated system and again by the first customer service agent,  XXXX , a supervisor that refused to give me her last name, told me that an inquiry was generated for a loan but the application was denied. She refused to tell me who/where the inquiry came from stating that she did not have access to that information. She said that she will initiate a removal of the inquiry but did not give any other information such as how long it would take or what courses of action I had.
I was called by a young lady from phone # XXXX XXXX XXXX who asked me my name and when I verified my name she said I was in trouble and owed XXXX XXXX XXXX {$12000.00}. She said I was being sued and she put me through to her company 's 'legal department '. A man then got on the line and said they would sue me and garnish my wages. When I asked him the date of the debt and the name of his company, he just kept talking about how I was a lousy person for not paying my debts. I asked him a number of times for the date of this alleged debt and his company, but he got mad and hung up the phone? Back in 2008 I did have credit problems and XXXX XXXX XXXX was XXXX of the creditors I owed, but the Florida Statute of Limitations is XXXX or 5 years depending on the debt.
On XXXX XXXX, 2017 I filed a claim with TD Bank in regards to my debit card being used with taking cash from ATM 's on a daily basis. I have had this account for years and my activity on this account was very very limited. Easily said I hardly had any transaction on this account and never did cash withdrawals at an ATM. I filed this claim stating that TD bank allowed cash to be taken out on a daily basis until the money was gone in my account. The system should have noticed I never did ATM cash W/D and that this amount of activity was out of the normal for my account but they did not catch this problem. Within 24 hrs of filing this claim, TD bank contacts me saying they completed their investigation and found no error and that all the ATM transactions and a few XXXX point of sale transactions are valid. They claimed the activity was within my normal activity which is clearly not true as I have already stated I never did ATM cash W/D in the history of my account let alone the amount of spending taking place. Next, they claimed the card was used within my home area which in fact when researched the card was used at ATM 's located over 15 miles from my home and XXXX transaction took place over an hour from my home location. Every reason they gave for denying my claim was clearly false and can be proven by the years of activity on the account. Moreover, how is a proper investigation completed in 24 hours time? They refused to get photos from cameras where the transactions had been made. They asked me to get a police report and when I spoke to the police they said that the bank must first do a real investigation and that cleary my bank did not if they closed the claim with a 24 hr time frame. Even the police department said they never heard of an investigation being completed within 24 hours. TD bank has refused to issue me {$10000.00}. They even ignore the XXXX protection promise on the transactions made at retail locations using my card. It seem 's TD Bank feel 's they do not have to protect customers money nor does REG-E or XXXX fraud protection for the unauthorized transaction when card used in stores does not apply to TD Bank. It has been one-year fighting to get my money back and after countless emails from supposed TD Banks corporate office, all they tell me is to get a police report. I repeatedly told them what the police told me but it does not seem to matter to them what the police have to say. I feel these are just excuses for TD Bank to deny customers claims and especially when they are being dishonest for their reasons for denying my claim.
I noticed on my credit report yesterday that there is an outstanding balance from a student loan from XXXX XXXX # XXXX that was opened XXXX, last active XXXX, reported XXXX, with a payment of {$40.00} and past due {$1300.00}. XXXX said this is a failure of TransUnion to not remove this old style of loan reporting and XXXX has this loan noted as paid in full.
my husband and i went online to pay off a truck loan thru CSC Logic on XXXX/XXXX/16. I hit the pay off amount and it gave me a pay off balance of {$730.00} which i then paid off after waiting 30 days to get truck title they sent us a notice of balance of XXXX which we did not understand why when we requested a pay off amount and we paid the amount for the pay off on there online system they then sent us another bill fro XXXX which then put in a claim with the XXXX they then sent us a ltr to call them which i did on XXXX and spoke to a XXXX she then advise me that the remaning balance was for NSF payments & interest charge which i then adv her i will be putting another complaint againts them for violationg our FDCPA rights she then adv i can do as i please
I have filed a complaint and received a response on XX/XX/18 that the company was still working on my issue, and they have 60 days to respond. My claim account # is XXXX. I received this notice in the mail today. Still no response to my certified letter, asking for proof that this debt belongs to me. I have never lived or drove in XXXX, yet somehow toll fees are attached to my name in XXXX. Please note the notice is " the third attempt to collect ''. I am upset that companies can attach a person to a debt without any explanation, and continue to send notices. I feel this company is harassing me as a consumer. I want this company to stop sending me notices to me until they respond to my complaint. I will not be paying this debt, and will gladly continue to dispute this even if I have to get a lawyer involved.