WillisBack/dataset-financial-user-claim huggingface dataset:
I have a Boat Loan with " Bank of the West '' .I have consistently paid my payments online, electronically through XXXX XXXX XXXX  since XX/XX/XXXX. I have never changed the method or the account from which I pay my monthly loan amount. In XXXX of XXXX they misapplied my scheduled monthly payment as additional principal. After weeks of threatening phone calls from them and collection letters they acknowledged their mistake. They advised it could take 10 days for them to clear up the mistake and in order for me to avoid them adversely reporting to the credit bureau I was advised to by them to make an extra payment. To avoid the hassles of clearing up the credit report dispute with them i made the extra payment and after they cleared up their mistake, they applied it to the following month. 

In XXXX of XXXX, I made my monthly payment as I always do, electonically through XXXX XXXX XXXX  to Bank of the West. This time, instead of misapplying my payment, they claim to have never received it. I have received threatening phone calls daily and I am now receiving mail. I always answer their calls and/or return their calls promptly. I have disputed their claim. I have provided them with a " Tracer '' number from XXXX XXXX. I have confirmed with XXXX XXXX that the payment was received by them and I continue to be threatened by them. 

The claims department from Bank of the West refuses to contact me and all my calls are intercepted by customer service who refuses to allow me to speak with anyone that can actually research the tracer number I am providing. All they do is state they will add my comment to their notes and someone will follow up. I never receive any follow up, just another collection call the following day.
I have contacted Transunion , LLC about removing an inaccurate chapter XXXX bankruptcy being reported on my credit file. I have requested validation of this chapter XXXX bankruptcy by the court and my original signature on this chapter XXXX bankruptcy. Transunion has not provided me any requested documentation. I have a signed letter from United States Bankruptcy court stating that the court does not verify records with the credit reporting agencies. Transunion is using a third party to report this inaccurate information. I 'm requesting the immediate deletion of this in accurate information.
In case # XXXX, SPS does n't address anything that I submitted ; they just repeated that they thought that my transaction is not a rescindable transaction, and sent copies of everything that everybody already have copies of. 
They do not address my taking issue with them calling the XXXX mortgage payoff a " protective advance '' instead of a consolidation payoff because there was nothing to protect ... I was not in danger of foreclosure by XXXX XXXX, so there was nothing to protect. If what they say was valid, everybody anywhere who has a XXXX mortgage is in danger of their XXXX mortgage being paid odd just because the XXXX mortgage holder wants to, and then calls it a " protective advance ''. 
SPS did not address anything ' as I stated, they just provided copies of correspondence that I already have.
I am making this complaint due to it now being 2 months trying to deal with Selene Finance on getting my mortgage up to date like it should. I was told that we had a shortage in our escrow originally for the amount of {$1400.00} in the month of XX/XX/XXXX. I was told that it would be broken down over 36 months and our mortgage payment would be recalculated to {$840.00}. I received a letter dated for XX/XX/2018 saying our shortage was {$1300.00} and that it was broken down over 36 months in the amount of {$38.00}. I then receive another letter dated for XX/XX/2018 saying our shortage was {$850.00} to then be told that now my payment that suppose to be {$840.00} is now {$1000.00} due to the {$850.00} but speaking with someone on the phone they tell me its due to the escrow being more than they thought when they actually had the bill 60 days in advance to XX/XX/2018 in which my insurance company XXXX XXXX told me as of XX/XX/2018. I was told over the phone 2 weeks ago that my insurance was left completely off my analysis but it actually wasn't. Selene sent me an email on XX/XX/2018 with the analysis that they were suppose to have sent out in XX/XX/XXXX that I didn't get until XX/XX/2018 when it was emailed to me for me to look at. I called in XX/XX/XXXX to make my mortgage payment to be told that I needed to make a payment of {$990.00} and that the money sitting in suspense would be added to get my payments back on track since the escrow issues have been showing behind. Well fast forward almost 3 weeks and nothing has been fixed. The account is now worse off than it was and I'm being told that I have no payment for XX/XX/XXXX which is clearly was paid and has come out of my account. This company refuses to allow me to speak with someone of management in the escalations department and continues to XXXX us up worse than we were. I have written so many letters and email with no response to my issues. I really need someone to hold Selene accountable for this behavior when we are doing everything that is asked and making our payments every month. I don't want to lose my home because we are dealing with a company who can care less and no one holds them accountable for their actions.
Transunion has had my account frozen and... " In Dispute ''.. for over 4 months. I can not even get a response. I am on hold till they obey the law.
We had prepared ourselves to present a modification package to Carrington Mortgage when we received a modification offer from Carrington Mortgage by a person that we believed to be an employee of Carrington Mortgage and later found that he was a *middle person whatever that means. 
What is means to us is the Person XXXX XXXX aka XXXX XXXX - office ( XXXX ) XXXX Mobile ( XXXX ) XXXX contacted us on : I am reaching out to present loan modification terms on request from Carrington, please advise if your client is interested in the terms below. 

XXXX Good faith payment XXXX Principle Balance 4 % for 40 years {$1400.00} PI $ XXXX 5 month Trial There was an agreement of {$10000.00} down payment XX/XX/XXXX, 5 payments of {$14000.00} and - {$10000.00}. after the last trial. 

He requested that the proof of funds be submitted by the end of the month. Proof was submitted. 
We submitted the proof of funds, XXXX XXXX would not respond to any e-mails or phone calls. Finally we reached him on his cell phone. All of the time wasted we could have submitted all necessary documents to qualify for a loan modification. Some type of workout. XXXX XXXX stated that it was necessary to send any documents because the offering was a stream lined modification. From XX/XX/XXXX until yesterday XX/XX/XXXX we have been anticipating a loan modification with the terms just explained in this letter. 
While in conversation with XXXX XXXX he stated that a letter of denial was sent out, no one received any letter of denial. I asked why he said he did not know. 
I called carrington Mortgage and they know very little about all that has transpired????
I had an x-ray done on my foot on XXXX XXXX, XXXX at XXXX XXXX XXXX in XXXX XXXX, CA. My bill was submitted to insurance which paid a portion and the remaining balance was submitted to me. 

I paid the remaining balance with my XXXX card and was told that my account was cleared. 

On XXXX XXXX, XXXX, I get another bill from XXXX XXXX for the same balance. I call them and they look up my account number and confirm that yes indeed, my balance had been paid off and it seemed their billing department had not updated. They gave me a receipt number for my previous payment and assure me that bill will be notified immediately. 

On XXXX XXXX, XXXX, I get a 'final notice ' from XXXX XXXX XXXX to send my owed payment to a collection agency. It 's the same balance from last XXXX that they think is still owed. I immediately call back to contest. Again I am assured that billing had not updated. This time, I 'm even given an approval number from the billing department to prove that it has indeed cleared my account. Additionally, I am reassured that whatever system they have to send my balance to collections will also be canceled. 

On XXXX XXXX, XXXX, I get a letter from Continental Credit Control collections agent threatening my credit and demanding for my balance due from XXXX XXXX as well as an accrued interest. 

I am infuriated. It seems that nothing ever happened with my XXXX calls to XXXX XXXX. I would have been happy to pay the balance had there been a payment issue, but ever time, I am reassured my payment cleared.
I have always paid my bills on time. In XXXX, however, my business suffered a severe financial crisis and had to declare chapter XXXX. My HELOC was discharged but we wanted to keep the house and so since then I have been working very hard day and night and have been paying my bills on time. I voluntarily caught up the payments on my HELOC in XXXX and then it was sold to a serving company who resold it to SLS. I have continued making on time voluntary interest payments for the past 5 years and have never missed a payment or been late. In XXXX XXXX the HELOC reaches 10 years and I will owe {$730000.00} balloon payment. There was a clause in the original contract that they have the option to refinance. 

I called SLS XX/XX/XXXX to ask them if I could refinance in good time so that we do n't wait to the last minute and have any problems as I can afford the monthly payments, but not a lump sum of {$730000.00}. The person who answered seemed very unknowledgeable and incompetent and said because it was discharged I could not refinance. ( But it was discharged and they have happily taken my voluntary interest payments ). I was told to write a letter with my request and they would get back to me in 5 days. I have faxed the letter and mailed it and they are ignoring me. 

I am feeling like they are loan sharks who took over the loan, and have been taking my interest payment money while waiting for the balloon payment to come due, and then instead of working with me to try and extend the loan or refinance the loan, they are just waiting to pounce on it and take it from me as soon as the balloon payment date arrives. 

We are trying to refinance through other banks and this could very well happen, but just in case it does n't, I need to keep all options open, and I wish they would cooperate with me, be reasonable and discuss our options, so we can get this taken care of in good time.
Last year I was referred to Care Credit and apply for a credit care to be able to pay for my sons dentist bill.No one advised me of the high fees that were actually tied to the loan and I never heard anything from care credit so I really was not sure what more I had to do besides received the credit card and use it to pay a Dr bill. I never actually received any kind of credit card agreements and pretty much relied on the dentist to advise me what steps to take once the service was given and they stated to pay the bill once i received teh statements.
I got scammed online by an individual that i do not know, accounts had been opened in my name, this person had stolen my identity, I have contacted police the tald me to file IC3 FBI  report and an FTC is attached to this complaint. 
Please block this fraudulent accounts from my credit file.
Credit reporting companies, the big three - equifax, XXXX, and XXXX all charge fees for instituting, thawing, and lifting credit freezes. These companies collect this information without my consent and I am coerced in to " doing business '' with them if I want to be involved in society in any meaningful way. The fact that I have to PAY THEM MONEY to adequately protect my valuale personal information is a discrace. Since I and other consumers have no recourse to not to business with these companies ( other than exit from society all together ) free market principles will not work to solve this problem. And I am forced to pay their fees. For example, if I do n't like that XXXX charges a fee for a credit freeze, I ca n't just decide to move my business to XXXX. And for those who the can not easily afford the fees ( x3 because you need to do it at three companies ), this is even more burdensome and onerous. Thus some type of protection from these abuse of the market by these companies is needed. Some states have such laws, but not my state. 

In light of the egregious theft of my highly valuble personal information from Equifax, the importance of a security freeze is great. These comanies should allow me to protect my information without financial penalty.
XXXX " forward dates '' XXXX charge offs. Thus the " drop off dates '' are almost a year past the seven year term mandated in the Fair Credit Reporting Act. 
The XXXX main credit reporting agencies reports sometime report the correct first delinquency 's but they incorrectly designate the " drop off dates ''. 
Additionally, XXXX deletes the contradictory information from ( my ) credit report ( s ) when a dispute occur ( ed ) - thus eliminating the evidence of their misreporting found in the credit report.
The collector has been contacting before XXXX local time and after XXXX local time. I want the company to cease and desist all contact with me other than by US Postal Service.
Around XX/XX/ 2018, I applied for the American Express Platinum card from the American Express company. After reading about the bonus restriction that I would not be able to receive any bonus if I have received a bonus Platinum Card from the past and I confirm that I have not receive any bonus Membership Rewards in the past with my one XXXX American Express Platinum from before. After further research, I found out that American Express also put in a safeguard and inform customer or potential customers that they may not be eligible for the new card member bonus. 

After successfully completed the application for the Platinum card, I did not see any warning and I can't see a reason why I would not be able to get the new card member bonus. Forward to today, XX/XX/XXXX, I contacted American Express about the new bonus and was informed that. " I see that the bonus offer on your card is showing declined on the account and the account notes state that you're not eligible for the signup offer for the card. '' There is no reason why I would not be able to receive the bonus. There was no abuse nor I have had the same product before. All purchases made on the card are legitimate and I did not breach the contract. I don't mind if I am clearly communicated that I am not eligible for the product but if not issuing bonus after I have receive and spend is misleading.
I am filing Bankruptcy. I have notified this agency and they continue to contact me via phone, and not contact my attorney.
I refinanced my home with a 30 Year first mortgage and what I was led to believe was a normal 30 second second mortgage some 12 years ago through XXXX XXXX. About 9 years ago I filed bankruptcy due to the hard economic times. The accounts were sold, the first mortgage to XXXX XXXX XXXX and the second to 21st Mortgage Corporation. I have maintained the payments on the first and second mortgages and they are current as of this date. Due to the bankruptcy, on-line servicing of the account was not possible until recently. Upon review of the information I realized that I had not been sold a normal mortgage for the second. It was set up as a balloon mortgage. I originally borrowed {$150000.00} at 9.75 % interest. My payments over the past year are {$1300.00}. I noticed that the term is only 180 months or 15 years and that I currently owe {$130000.00}. I contacted the mortgage company who explained that in 2 years the loan would be due and that I would have have to pay the balloon amount off, approximately {$130000.00} or get a new loan. Is this legal? I feel I have been deceived by XXXX XXXX. My loan was a hurry up and this was not explained to me. I would not have accepted a loan that had an exorbitant balloon payment of {$130000.00} after paying {$1300.00} per month for 15 years.
Two months ago, I asked XXXX to correct errors on my credit report. I sent them a letter on XX/XX/XXXX. I have not heard back from them yet.
Hi, I hold the Citi XXXX Credit Card. As per the card features stated on the company 's website I am supposed to XXXX 5 XXXX loyalty points for every XXXX that I will spend on airline tickets directly with the airline. I spend XXXX ( as XXXX separate transactions of XXXX XXXX and XXXX XXXX ) on buying air tickets with a XXXX based airline called XXXX directly through their website. Citi is refusing to credit me the required points for this transaction at a rate of XXXX points per XXXX spent and is instead awarding me only XXXX points per XXXX spent. When I inquired they are saying that the airline has not classified its business under the correct airline code so they can not give me any bonus points even though they know that the spent was done at an airline. This is really unfair because I as a consumer can never know which business has classified themselves as an airline or otherwise. All I know is that I am spending the money at an airline and I should be rewarded XXXX bonus points for the spent done with them in line with the promise that Citi made to be at the time of selling the product to me.
There is a recovery place that has called me multiple times in a different state in which I do not reside that I was visiting over the holiday weekend. He contacted me on Saturday XX/XX/XXXX. Spoke with him gave him what my address was and told him that I did not reside in the state that he was contacting me from. Gave him what my address was. Was supposed to call him back but I did not. His name is XXXX XXXX he told me he was a recovery agent. The phone number he has been contacting me from is XXXX. He left me a voicemail that he will put an alert out for my car where i Can be pulled over on the highway and have it towed in. He said he was an investigator with the state. I have not since spoken with him since the XXXX but this voicemail came through on XX/XX/2018. For him to even say he can do this is a violation. He can not put an alert out on my vehicle and I dont know what kind of scare tactics he is trying to do but this is not fair treatment. Please advise. Thank you.
NationStar Mortgage - XXXX, TX Mail : Notice of Error, Complaint, Request for Information or other Qualified Written Request Nationstar Mortgage XXXX. XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Web : MyNationstar.com This company took over my mortgage from XXXX and it has been terrible ever since. I have been fighting for resolution for almost a year and I 'm beyond fed up. 

XXXX 2015 the company took 2 mortgage payments from my account and caused over {$100.00} in bank fees! When I called I received multiple conflicting answers until I finally got my money for the actual payment, I have been fighting about the fees ever since. I have called, emailed, given feedback, and to no avail. I could go on and on, but I will bullet point my major concerns : *The reps are not well trained and give misinformation as well as conflicting responses. Sometimes they even act like you have n't called before! 
*I am told I will receive a callback after " further research '' and they do n't call back *After receiving the payment portion back I was told by a supervisor that I would see a check in the mail for the fees, but then it never came and now ( after speaking with several more people ) I am being told that I wo n't be getting refunded for the fees *The research department told one of the managers that I set up an auto-pay, which I did not, so I have asked for proof because they said they could see the IPs and they are refusing to send me documentation to take to a lawyer - which I ca n't afford in the first place - but I have asked several times for proof of this and told them I did not set up auto-pay because I do n't like giving up control of such a large chunk of my pay. I like paying it manually. 
*I consistently get " canned '' emails or letters that do not actually address the issue which furthers the frustration Struggling with this company has been the worst consumer experience of my life. I want to refinance somewhere else, but I know that once I am gone there really wo n't be a resolution to my issue. I am shocked at the terrible customer service, especially since I work for a financial institution myself ( investments and retirement ) and know how things should be done. This is just exhausting and really makes a person feel like the people at this company are crooks that are just taking advantage of people. Seeing all the bad reviews online only furthers my feelings and if I had been able to control the purchase of my loan, I would have told XXXX to never sell to Nationstar in order to protect their customers.
I have expressed difficulty with maintaining payments, but have been told there is nothing that can be done to lower payments. They 've said I am ineligible for any assistance, lowering payments or offering a solution.
Mortgage contract states that my cushion for my escrow is suppose to be XXXX and never to go above that amount. Freedom Mortgage refuses to abide by mortgage contract and service VA loan correctly. By failing to service the mortgage correctly Freedom Mortgage has set there own cushion amount at XXXX. This en turns allows them to raise the amount of my mortgage payment. I have told the mortgage company about this many times and showed them the violation in my contract. They still refuse to fix this issue.
I received a vehicle loan from XXXX XXXX XXXX XXXX with term of 72 months and scheduled payment of {$470.00}. As of XX/XX/2017 my account has been paid in full, however Equifax as well as XXXX XXXX XXXX XXXX Account Status shows OPEN with a balance of {$18000.00} and last update to this account XXXX XXXX. Ive called XXXX XXXX XXXX XXXX several times regrading this issues and submitted a dispute through Equifax as well.
I am a victim of identity theft. I filed a police report. I found out about the XXXX XXXXt account after receiving collection calls. I have emailed and regular mailed a letter and the police to XXXX XXXX numerous times. Every time I call to follow up I speak to the same person. She advises me that there is literally no other person there that can speak with me. She said she does have access to the mail or email and will not give me a time frame for when this account will be closed as fraud. She will not let me speak to anyone else and refuses to give me to upper management or a supervisor. I did not open an account with XXXX XXXX. I did not authorize an account to be opened with XXXX XXXX. I filed identity theft with the police and with the FTC. I want this account removed and closed out so that I am not held liable for something I did not do.
Subject : 7-10 business days waiting period for credit availability after payment has been debited in the checking account. RIDICULOUS!!!! 
1 ) paid {$1500.00} to barclaycard credit card on XX/XX/2018 ; money was debited on the bank on XX/XX/2018. 
2 ) supervisor of the credit card promised to make credit available on XX/XX/2018 XXXX ( EST ) but did not happen. 
3 ) i have been with this card for the last three years. not even one miss in ANY OF my payments. and i have used this bank account for payment before. 
4 ) called customer representative and keep telling me that i should wait. they are even refusing to give me the names of the representative and supervisors name ; called XX/XX/2018 XXXX XXXX ( EST ) and XX/XX/2018 XXXX XXXX ( PST ) 5 ) in my history of payments in this particular card, i have always paid in bulk or in a large sums of money. and yet they would not even take that into considerations 6 ) PLEASE HELP ME.
Re : Hard Inquiry/Unverified on my behave. 
I recently checked my credit report with Experian, XXXX, XXXX. 

I have One Hard Inquiry from Company : XXXX XXXX XXXX Hard Inquiry date : XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX