WillisBack/dataset-financial-user-claim huggingface dataset:
I recently filed a complaint against Nationstar on XXXX/XXXX/15 due to not being able to reach anyone in their customer service department or the department that handles loan remodifications after submitting my documents as requested. I have made over 20 calls to this company and have not had one call returned to me in reference to the status of my loan remodification. The one call I received last week was in reference to the first complaint that I filed and the lady told me the person handling my modification would be calling me and she never did. In addition, they claimed I did n't not submit a signed copy of page XXXX of my tax return which I did and it is included in the initial complaint. Had the lady not called me back in reference to this CFPB complaint I would not have known that alleged additional documentation was needed since no one is calling me or giving me a status of my account because they are not answering their phones. After I put in my ssn # and my zip code the phone rings or it sounds like it is being transferred and the line goes silent. No one picks up. How is this legal? I do believe this company is trying to have me default on my mortgage so they can steal my house. I am trying everything I can but I can not drive from NC to wherever they are to get customer service. I am going to file complaints with every federal bureau I know because right now I think nationstar is a scam. This is all a rouse to dupe people out of me out of my home even when I am trying everything I can to save it. Someone named XXXX XXXX is supposed to be handling my loan. She was also supposed to call. Again, I called XXXX and XXXX the past Friday and today about 10 times and ca n't get someone on the phone. They are supposed to be open from XXXX CT. Please help!!! I am going to contact every federal bureau I know to expose this company for what they are. Again, I have called every number for the last 3 weeks and not once was able to reach a representative. I have made over 20 calls. This is ridiculous!
Coinbase restricted my buying. They did not offer any reason behind this action and have not responded to my complaint.
I started school XX/XX/XXXX and took a leave XX/XX/XXXX and never went back until XX/XX/XXXX.I got access to my Student Portal where I noticed a disbursement of {$4400.00} that was suppose to go to me but I never received.During that time our remaining Financial Aid Money would be deposited to a Bank of America Prepaid Cash Pay Card.I brought it to my schools attention and they began investigating trying to locate the money and find out what happened to it.Like I mentioned I was n't aware of that disbarment because I took a leave XX/XX/XXXX and did n't go back until XX/XX/XXXX.It took the school a while to give me answers, they eventually contacted Bank of America to try and get some answers and all they sent thru an email was a statement showing that there was a deposit made on XX/XX/XXXX in the amount of {$4400.00}, that 's it.My school went ahead and replied saying that we were actually trying to find out what happened to the money, how was it used or spent because I never touched it, so again they replied with a short answer saying Student used all funds, which in fact I never did.They did n't provide any information about how it was used, spent, was it withdrawn? Used somewhere? Nothing! I want to find out what happened to that money because I never saw it or used it. This has caused me a lot of XXXX, XXXX and XXXX. Bank of America had agreed to send me all statements from XX/XX/XXXX to this current day.They emailed me but only sent XX/XX/XXXX-XX/XX/XXXX to current day.I could n't file a complaint or even dispute it cause according to them its been more than 365 days which I understand but there has to be records of how the money was used and who used it because obviously to withdraw that amount of money an ID is required. I had my card in a safe place so there was no chance for anyone to have used it. Also Bank of America mentioned that if the money does n't get used in certain amount of time it gets returned to the sponsor which is my school and the school stated that they never received anything. I please ask that you help me, I want my money and I want to find out what happened to it. Thank you so much and hope to hear from you soon.
We are the XXXX XXXX for a XXXX XXXX. On Tuesday, XX/XX/XXXX we called to close a CD account with Synchrony Bank and have the balance mailed to us. After not receiving the check I followed up with them on Monday, XX/XX/XXXX and they indicated they had not received the first request but they would mail the check minus a {$1500.00} penalty this week and we should have it in 7 to  10 days. The person I spoke with said they did not have the authority to waive the fee but would have a manager call me back. I never received a call back. I called again on XX/XX/XXXX and spoke to two people. The final preson being a XXXX who was a supervisor. She indicated that when I called on Monday, XX/XX/XXXX there was no notes made to escalate the call and that they needed to investigate the original call of XX/XX/XXXX before they could make a determination. She said this would take 48 hours and I would hear back next week. After not hearing back again I called Synchrony for the fourth time on XX/XX/XXXX and spoke with a representative of Synchrony. He indicated that the review of the phone logs that was promised to be completed in 48 hours was not completed. He indicated that he could tell from reviewing our account that it had been mishandled from the beginning. He also informed me the check had until XX/XX/XXXX to arrive at our office. Also, that the penalty was {$1800.00} they deducted not the {$1500.00} originally quoted. Also, he stated that they could have charged us {$2100.00} as if it was a favor to us. I let him know that the contract shows a penalty of 90 days interest, to which he said he could register a concern if I wanted, which I said I did. I asked to speak to a supervisor. He put me on hold twice and came back and said no one was available and if I wanted he would put in a request for a call back and I would hear back within 48 hours. He also indicated that he did not think his supervisors would change the position on the penalty. I informed him we would be filing a complaint with the Consumer Protection Board and he indicated we should if we felt it was necessary and that he was pretty sure they would not change their position on the penalty even though they had not followed their reported internal procedures. As of this time we have not received any of the Association 's funds owed totaling {$200000.00} and can not get a response on the fees that have been charged.
Mr Cooper took over for our loan servicing company in XX/XX/XXXX.Loan number XXXX.My monthly payment is XXXX per months.Now due to an error on their part they are raising the escrow required. 
They are using docs from XXXX to adjust the escrow.Instead of using docs from XXXX and XXXX. one of the docs been used in my homeowners policy which was higher in XXXX than XXXX and XXXX.I have tried to correct this with them but they refused. 
My loan is a conventional loan without any PMI osr any other requirements.Attached you will find my insurance bills from XXXX that shows premium to be {$2600.00} yr and my XXXX that shows {$2600.00} yr.I am also attaching my tax bills from XXXX and XXXX.where it shows that my taxes went up {$57.00} for XXXX which equates to {$4.00} more a month. I spoke to a rep from Mr.Cooper today XX/XX/XXXX and they couldn't explained to me why the increased on the escrow.In fact they were using docs from XXXX and wrong tax info. 
I am appalled that this outfit is allow to practice as a loan administrator/Apparently they do not know how to do math or they are just crooked. 
Please help. 
XXXX XXXX
OAC reported two separate medical bills on my credit report 1. ) In the amount of {$50.00} from XX/XX/2016 2. ) In the amount of {$120.00} from XX/XX/2016. OAC tis trying to collect a debt they brought and is not licened or bonded to collect debts in the state of Florida.
My car was vandalized through XXXX XXXX XXXX, the car is completely inoperable and I am in the midst of court proceedings. The vehicle was towed, dragged and dropped repeatedly by them. The gas diesel is ruined and they picked up the vehicle when I was about to go to court. The original price was XXXX not XXXX. 
This one particular XXXX male was probably upset that I picked a XXXX car he sold me the car to ruin my credit. I am only three years into the loan, I have XXXX and I need to have the loan reinstated for some of the amount that I am past due. The price of the car which is now a lemon is over priced. The price of the vehicle is {$720.00} per month. I am only three years into the loan and the reinstatement cost is too high. I was almost XXXX. I was actually XXXX and held at XXXX XXXX. I need a new reinstatement of my loan at a lower price. The vehicle is no longer worth {$30000.00}. It has been damaged and is inoperable, why should I have to pay {$30000.00}.?
On XXXX/XXXX/15, I disputed an Incorrect Electronic Funds Transfer with Discover Card for Image Dental ( {$600.00} ). Since this time only a temporary credit was issued and again the ( {$600.00} ) appears on my account. I was told by Discover Card they do not offer permanent credit for Incorrect Fund Transfers. They only ask the Merchant to provide a credit to my account.
My school loan went into collections a few years ago, XXXX ( XXXX XXXX XXXX XXXX ) was the first to contact me in XXXX XXXX after my bankruptcy closed a few months earlier. I have since made arrangements with them for repayment. I was also contacted numerous times by mail, phone and even my work place from ACSI ( Automated Collection Services , Inc ) which started about 2 months after XXXX contacted me. ACSI had NO accurate, up to date information on me, I had requested multiple times by phone, in writing for information on the loan they claimed to be collecting on-I never received any return calls or emails with this information. In XXXX XXXX I received a notice for wage garnishment from ACSI, I filled out the forms asking for a hearing, mailed back to them certified return receipt XX/XX/XXXX, they received it, but I have not received ANY updates or contact from them since. About a week after I sent the garnishment forms back a NEW collection agency-XXXX sent me a letter claiming to be collecting on the same exact loan as ACSI and threatening to take my federal tax return-again NO confirmation of the loan information. Both ACSI and Performant claim it is from XXXX XXXX XXXX ( I consolidated my loans with them after completing 1 year in school ) In contacting XXXX XXXX XXXX it was brought to my attention that ONLY XXXX handles the collections for XXXX XXXX XXXX. My Federal return for filing year XXXX has been confiscated with no advanced notice of this happening. I have not heard from ACSI or XXXX regarding any collections processes since XXXX, I have never received any confirming information on the loan they claim to be collecting on, the amount they claim I owe is equal to 5 years in school ... I went into a certificate program which was 1 year.
I got behind on my payments in the XX/XX/XXXX, I realized the reason I was having issues is due to scheduling of my payments. I contacted Ally, they stated that I could sign up for automatic withdrawal of my account for the rest of my account if I was current on ALL OF THE FEES AND PAYMENTS. So that's what I did, Paid all of the lates fee 's and the past due payment and set my self up on automatic withdrawal. 
I paid off the car in XXXXXX/XX/XXXX-Now I'm getting bills and negative reporting on my credit report from Ally. Ally is stating that I owe more late fee 's about 400.00 more and for some reason the account keeps rolling each month and I owe more fees. My last bill from them is now around 1,700.00-I 'm not getting any answers regarding this account.
I have been a member to USAA since 2004. 
today I have auto insurance again with USAA. However the problem seems to be with the USAA credit debt collection department. Because, I have entered into a Debt Relief program with the National Debt Relief, a USAA credit debt collection agent called me and stated that as a result of me haven joined a Debt Relief program, the credit card department will be obligated to cancel my auto insurance, if I do n't make payments to my credit card. Today I spoke directly with the USAA auto insurance department, and they said, that no other department from USAA or any credit card, has the right to stop my auto insurance. So my question is, why was the USAA debt collector agent giving me false information about the outcome of me being in a debt relief program? USAA should not have the right to retaliate against my auto insurance policy. I also spoke with the USAA Credit Card department and they forwarded me directly to the MasterCard debt collection company and they as well stated that, no such thing can be done by a credit card company ... that whoever said that, is giving you misleading information. 

I here by call on a complaint against USAA Debt Collection department for giving false information about the life or extend of my auto insurance just for being in a debt relief program. 

As of today, all my auto insurance quotes have been paid. So I have no idea why USAA wants to retaliate against my auto insurance, when that is in good standing. 

thank you.
This morning I had a XXXX collector call me and I was explains the the situation on how I 'm trying to find away to pay the debt I owe. He then was being very judgemental and rude and disrecptuful. He first said I had 7 years to pay this off I should have paid it then, I told him he has no right to tell me what I should have done in the past 7 years I stated I had a lot of things happen in the past 7 years to me. He kept saying it over and over I told him I need to go I have a sick child to attend ( my son was XXXX ) and he just kept badgering me on the phone until I hung up on him. I then called to report him to a supervisor and that person was then badgering me that I should have paid small amounts and I would n't have to deal with this. He did n't seem to care how rude is employee was, pretty much told me well he 's doing a job and the info we have In front of us, and that I have been telling them I 'm trying to borrow money to pay them since 2014 so they are tired of me saying that, That i should have made any payments so then I would n't have to deal with them. I told him I 'm tired of going. Back and forth he is not listening and he has no right to lecture and disprect me. I just hung up on him.
My husband and I received a letter from XXXX XXXX denying an application for an auto loan dated XX/XX/XXXX. We had already been approved for a low interest loan through another lender and the deal was previously completed. However, this letter stated that XXXX XXXX could not approve us for an auto loan because of our credit scores from 1 of the 2 sources they had checked. The XXXX Credit Reporting agency stated our scores were XXXX and XXXX, but another credit reporting agency by the name of XXXX XXXX XXXX, stated that our Credit scores were only XXXX and XXXX. First of all, I had never heard of XXXX XXXX XXXX! Where did this agency suddenly appear from? I was told it was previously XXXX XXXX. I called the phone number for XXXX but was only able to leave a short message, but have not heard back from them. The reason XXXX gave us such low scores was " limited history for consumer at address and phone number. '' They have limited information because they have not been around long enough! I am very familiar with the 3 major reporting agencies that have been around for decades ( XXXX, XXXX and XXXX ) but this new agency has no business giving out credit scores based on their limited access to credit information!! I have read many complaints on this agency making consumers unable to qualify for loans or low or no interest rate promos because of their low credit scoring reporting that is not at all close to the other 3 main reporting agencies. I do n't know if this is some sort of scam to drive up the interest rates companies can charge, but I am requesting XXXX be investigated and that their scores can not affect the borrowing powers of consumers.
I did not authorize the following hard credit inquiries that appear on my credit reports and would like them removed : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, FL XXXX
I still have {$110.00} reward balance when the Capital one Spark visa was cancelled by the bank.I didnt owe them money and I always paid off the bill before the due day. I didnt received any notice or reason.I tried to talk to them, but I was denied from XX/XX/2018-XX/XX/2018.
They have been calling me 4-5x a day from several numbers with the same area code. I picked up the phone which they are calling on my cell and started screaming at them and they hung up. They never leave messages or what debt is owed. My bankruptcy has been dismissed. The only way I found out who they were was I was sick of them calling and they said their company name on the recording because they were closed. You cant get any info off of XXXX with their 1000 phone numbers. So it is a company called National Credit Adjusters. I have blocked their numbers but they still keep calling
I have a business and I bank with Chase. My deposits in the total of XXXX was slowly being processed through the weekend. My account was in the positive before I went to bed and I awoke and it was in the negative. I was charged a cluster of 5 over draft fees because the banks system didn't catch it in time. However be mindful I was in the positive when I checked the account before I went to bed. I contacted the bank to get a courtesy refund, seeing that it was a harmless system error. As a business it would seem that there would be a courtesy so we can continue to do good business and be valued customers. However, we spoke to many bankers and managers and were told they could not override the system and are only able to reverse one fee. The rest of the fees is what keeps my balance negative currently.
US BANK MORTGAGE XXXX InXX/XX/XXXX we purchased a new home via XXXX XXXX who then sold on the mortgage to US Bank. By XX/XX/XXXX they said the ESCROW has roughly a {$1000.00} shortfall. This is unusual as the Property Taxes were reduced from the XX/XX/XXXXcalculation after a successful appeal to XXXX obligation board. <P/>Therefore the ESCROW should show a net positive. <P/>Also US Bank signs the ESCOW as correct for the first 2 years when buying the loan so any shortfall is down to them under mortgage buying rules.
Because they are unable to correct the issue with me being able to update and review my credit report, and also to receive my updated Score that I pay a monthly subscription for, Equifax has decided to send me a letter stating that since they are unable to remedy the situation that they are canceling my subscription. I am unable to access my report which is a violation, and it does not update anywhere else like  XXXX   XXXX ,  XXXX  or anywhere else. And when I apply for credit the creditor does not receive anything on my credit at all, so they deny me! I am  XXXX ! I am trying to review my credit to try to buy a house and will be the turned down because no report from Equifax. They have sent me nothing on trying to resolve the issue. I am still without a updated credit report, and I do n't know what my score is, which I have a right to. Even if they cancel my monitoring service with them, other monitoring services are unable to access my Equifax credit report and score as well. This has been a problem with Equifax for about many weeks now. They act ignorant like they do n't know what 's going on, but several people I know have experienced the same thing and have been declined for credit because of it. This can cause people to get declined for credit, jobs, insurance, and housing, and they need to be accountable ... at least be honest that there 's a problem.
Bank or America made an error. On XX/XX/2017 I was to receive a deposit from the VA. It showed as a deposit alright however, it had a negative sign attached to it. Which left my account negative and over drawn. I called and was told that the deposit shows as negative because it had n't posted yet. Well, the next day it still had n't changed and this time it read " error. '' I called and was told that they would have it corrected within 15 days. On XX/XX/2017 my other deposit from the BA hit as a positive leaving my account with less than five dollars. I kept in touch with the bank and talked to a handful of people including a bank manager. I am still waiting for them to fix the issue. In the meantime I have gone back to paper checks which take longer and I am going to have to cash them a different way because I do n't trust Bank of America. I went to the bank yesterday and they said that the VA has to basically release the funds all over again and that is what they are waiting on. Once that is fixed they have to submit a ticket for the next check and the overdraft fees. I was not given another time line for that. I lost my home and have had to move into a friend 's house because the Bank owes me over 3,000 dollars.
I submitted a complaint for the third time and it appears that JP Morgan Chase is not working on resolving this issue with me. I purchased my home in XXXX and I never refinanced my property. JP. Morgan Chase faxed over this XXXX what appears to be a new mortgage loan with my name forged on the HUD 1 which is government fraud, and the entire loan application. I am trying to discuss this in a professional manner in hopes that they will resolve this issue with me, but I have not gotten any results as of yet. I contacted the prosecutors office in XXXX nj and was informed to contact the local police and make a formal criminal complaint due to the forging of my name. I am reporting this again in the hopes that this will be resolved. I am also looking to contact the news and inform the public that this crisis with the mortgages in the United States appears to continue.
This short sale was submitted 186 days ago as a COMPLETE packet with valid offer of {$580000.00} which is in comparison to the BPO. SPS 's  underwriting dept continues to ask for things they either have or do not need. Specifically they asked for a 2nd lien payoff statement, which I provided about 3 months ago. I was told they had an issue that it didn't include the property address, I explained it wont have the property address because it is attached to the borrower, not property as it is a credit card judgement lien. They then said that it would have to be remove from sale proceeds as they only pay mortgage liens, fine. I removed it. THREE MONTHS LATER underwriting is asking for a payoff statement again despite already resolving this. I have explained this to 11 people and they all understand at SPS ( customer service and supervisors ) they say they will send a message to underwriting to explain, they do yet UNDERWRITING continues to request non applicable payoffs BECAUSE THEY WONT PAY THE JUDGEMENT LIEN. This is just one of the many unnecessary delays this short sale file has endured.