WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX / XXXX /  XXXX   filed claim with  Wells Fargo re ference to payment to  HOA  made  XXXX    XXXX   throug h Bill Pay and the Management company on behalf of HOA claims payment was not received. I have contacted WF b ank several times through online inquiry and via telephone as of this writing. The payment was submitted via electronic transmission. I have already retrieved proof of payment via the Bank website ; however, this information is of no use to the  HOA management company as it doe s not indicate whom is in the possession of these funds and as of what date. Therefore, I have requested  of Wells Fargo  evidence of payment such as tracer and other associated transmittal information for proof to where the funds were transmitted and received. They have indicated that there is no error on their part ; however, continually refuse to provide proof as to when, where and who is in receipt of these funds . Representatives name s on today 's call was  XXXX  and  XXXX   XXXX . Additionally,  XXXX  was urging to waist my valuable time in placing a pointless and useless conference call after business hours. The  HOA management requires that I provide this necessary information so that we may locate where the funds were  delivered. I seek your help for expeditious resolve.
The credit reporting agencies incorrectly show that I closed an account which I did not. I tried to call them but either they only have an automated phone menu or in the case of XXXX XXXX do not even have a phone #. I called Equifax and XXXX XXXX without being able to speak to a representative. The account that they list incorrectly is for a jewelry store named XXXX. Recently this store changed the bank they use and I was sent a letter stating that I would receive a new card this month. However, this will end up being listed as a new account thus negatively effecting the age of my credit. These agencies are crooks! Equifax proved that in the past few months. Why do you allow them to collect all this information on me and do n't at least force them to allow access to a representative to correct false information? I have been working for 2 years to build up a good credit record so that I can buy a house at a good interest rate but they work against the consumer at all times and for the banks to cheat you and hold you back. I have a 100 % on time payment record but when they throw in all the other factors there is no way to win. " You have too few accounts, the age of the credit is too short etc. '' Open more accounts and it lowers your credit age. This is a totally unfair system which the government sanctions! XXXX XXXX
Nationwide Cassel lending has not sent me a monthly statement for my vehicle loan. They are refusing to repo the vehicle and allow me to pay what is left. I have tried to settle on this account. My " high balance '' is {$19000.00} and I owe {$12000.00}. I offered to settle on the loan for {$6000.00} ( my employer has been trying to work with them ) they refused and wanted {$9000.00}. If is settle for the {$9000.00} then I am paying back more than what I borrowed. Also, the lender has told my employer " I would NEVER be able to pay this loan off even if I make the payments and catch up the loan '' I feel they do not want the vehicle because it is not worth at all what they charged me, they have no intentions in resolving the debt because they are loan sharks. They just want the interest. 
My employer has tried several ways to pay this debt, settle the debt and find a resolution. 
I do not feel this is legal, I just want to resolve this debt. Not be bullied and harassed into a high interest loan. 
Thank you, XXXX XXXX
Account appeared on my credit. After multiple attempts to remove, company continues to add account back to my credit.
Telephone payment made via XXXX system. The system did not post the payment at the time payment made. I discovered this error made by XXXX payment system and notified XXXX XXXX. I stated fanatically the fact that the payment had been made via there telephone system. They declined to investigate the possibility the system made an error occurred at the time the payment was made. The telephone system provided by XXXX XXXX to consumers allowing the processing of payments is not infallible. XXXX to date has not made any attempts to asst me in reporting accurate information on my credit profile. The account has always been current and is current now ...
I purchased a XXXX XXXX XXXX from XXXX of XXXX in XXXX of 2013 using a loan funded by BMW Financial. 
The agreement called for {$1000.00} incentive payment credit over the XXXX XXXX payments due. 
When I set up my payment account on the XXXX website it showed the ( XXXX ) {$500.00} credits towards the loan. 
I made the XXXX pro-rated payment. When I went to make the XXXX payment, the credit had disappeared from the account. 
I took it in good faith that the credit would appear and made the pro rated payment. After questioning BMW financial and sending a letter to them I received a response that indicated the dealer had withdrawn the XXXX credit. I was told that they had used an alternate vehicle to " write the contract '' for the {$1000.00} payment credit and then withdrawn the XXXX payment credit. I spoke with my original salesman and the finance manager at XXXX of XXXX after this revelation. The finance manager ( a woman ) was abrupt, admitted her employee made a mistake, said he 'd be counseled on it and basically said I had to live with it. 
By this time the payment showed as 30 days late and has continued to show 30 days or more late depending on when the payments are posted in the month. I have on XXXX occasions delayed payment and attempted to reengage BMW Financial and XXXX of XXXX on this matter. Approximately 2 weeks ago I went to XXXX of XXXX and spoke with XXXX XXXX the General Manager. He offered to send a check the next day for the misunderstanding ( contract fraud ) on their part. I agreed and decided to take on BMW Financial and the late payments on my own. XXXX XXXX did not keep his agreement and no check has been received. He/They have not kept their word on anything other than the delivery of the vehicle. 
My credit score with XXXX has gone from over XXXX to XXXX during this time and because of the issue. The other XXXX bureaus reflect a similar problem. ( Please note that on the day of purchase they said I had a " XXXX '' credit score with XXXX contrary to what I printed off and showed them. 
I offered to refinance the loan right after this was discovered however because of the late payment no one would refinance it even with the explanation. 
I respectfully ask that XXXX of XXXX pay all fees and past due amounts on this loan and that they engage the XXXX representative to have BMW financial correct the loan account to show as always paid on time, never late.
My Husband and I had a loan with XXXX XXXX for 13 years this, pass year my husband got sick and is unable to work, we had to cut back on expenses, we went to XXXX to start a short sale, the property is upside down, our loan was then given to a Select Portfolio Servicing, Inc. we filled out the packet listed the property and, submitted a offer of {$190000.00}. the SPS came back with a Counter Of {$20000.00}, we now new what the offer needed to be so we relisted the property at {$200000.00} received another offer 2months for {$190000.00}, SPS now wants {$230000.00} and will not give any documents on how or why the property increased {$30000.00} in 6 weeks, we have had over 40 showings and only ( XXXX ) offers. 
I asked SPS what can I do to show you that the {$230000.00}. price is not realistic, they said I could make a final last highest offer and gave me list of items that would show them the value of the property, I submitted all that they requested Condition of property, appraisal, 24 months of XXXX listed and sold properties in that building, colored photos the realtors Bio, all the feed back from all the showings and a summary of comparable properties, listing activity report. I email all, called the next day to see if it was all received, they told be it takes 24hrs to get in the system, I called again they said it was in the file and they would review, I wanted 10days called they said they did not receive the information, the girl looked and said the items were in the file but the file was never opened, she would take care of that and for me to call in a couple of days, when I called back they said it was in underwriting call next day, I did, now I 'm being told that they need more paper work, my hardship letter expired, this will be the third one I have sent, then they said I need to get a new offer, I said there is no new offer, the was the buyers last and highest offer and this along with the documents that SPS requested and received were to be under review. 
they said would you like to speak to a manager, a XXXX XXXX XXXX got on the phone, he had no idea and said they will not take this offer, I said you did not even review the information you ask for. and the we got disconnected. to some it up, I was never give a person that would follow through the short sale process, I ask for document from SPS to substantiate the price and the increase, they said they will mail them out, I wait and then call talk to other person, they said they ca n't give me that info. there is know way I or the realtor, can get the SPS asking price, SPS put a 15 % variants on the property for condition and is not Appling it to the reducing of price.. at the unrealistic price SPS is asking I will not get any buyers threw the unit, and it would go into foreclosure. I read on line that XXXX XXXX has turned over quite a few loans to SPS and a lot of them go into foreclosure. I have gone threw a short sale years ago, there is something not right with this companies business practices, I need help with dealing with this company, I was never even late on a payment, my Husband took ill and we ca n't keep the property. 
Thank you
Dear Sir / Madam, I got a home loan from CALIBER HomeLoans on XX/XX/XXXX, due to some credit problems I got an interest rate of 6.5 % on a jumbo loan. 
Soon after I got the loan, I lost my job and got another low paying job, but never got late in making a mortgage payment. 
In XX/XX/XXXX, I approached CALIBER citing job loss and requesting relief as I could foresee trouble making payments in 3 months not then. CALIBER told me to stop making payments until the loan was modified. It took them 2 months to modify the loan and now forced me to be delinquent by 30 days on my payment, thus adding additional fees and hurting my credit score. I called them multiple times to ask them in XX/XX/XXXXand XX/XX/XXXXrequesting the amount due and the due date, but I never got an answer from them and they just asked me to wait. 
They finally switched me to an INTEREST ONLY loan at 6.125 % in XX/XX/XXXX. Since then I have been paying the interest only loan on time every month. 
IN mid XX/XX/XXXX, I called up CALIBER again to see if they can help me lower my interest rate as my credit score has become really good over the last year. They asked me to refinance, but I informed them that I am recently self employed and do not have income verification, but I have always been making my mortgage payments on time. So they suggested that I default on a payment and try for loan modification. They said that there is no other way. 

I find this incidence and advice weird, they are penalizing me now for being good citizen who wants to make all the payments on time. They are penalizing me with such high interest rate when all the payments have been made on time. 

My argument is that the risk for CALIBER is higher if the payment and interest rate is higher an it would be lower if they reduced my interest rate, as it would be easier for me to pay a lower amount. I am without a job and self employed in both cases, high interest and low interest rate. So why is CALIBER wanting to gouge me when I have made payments on time. 

Look forward to hearing back from you. 
Regards, XXXX XXXX XXXX
Upon closing my account, I was assured by their customer agent that I had paid my entire bill and I would be refunded {$55.00} for the annual fee they had charged to my account that day. All of my purchases had been completed 6 days prior. I asked my refund in the mail. 2 months later I found out that one of my purchases had posted late and I had an outstanding balance of {$22.00} dollars. They did not notify me of this correctly and misinformed me that this payment had posted since payments made days after it had already posted successfully. They then charged me a  XXXX  dollar fee. When I asked them to remove it I had to speak to several customer agents. They then said they would call me back with an agent from their team to resolve these disputes and never did. Total scammers.
X/XX/17 I received a Court Document Notice of Appearance of Co-Counsel : Certificate of Service -dated X/XX/2017 from In the District Court of the First Circuit Court XXXX Division State of Hawaii about Notice of Appearance of Co-Counsel- regarding a  debt from XXXX XXXX XXXX . ( Which said company does not appear anywhere on any of my credit reports ) I have never received any communication about this debt from XXXX XXXX XXXX and or Johnson Mark LLLC, - Lawyers listed on XXXX XXXX. XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) Also Listed is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( with this law office ) This is my first notification about this debt collection- Again XXXX XXXX XXXX does not appear anywhere on my credit reports- so what debt are they collecting for -- -- I am preparing to send a certified priority letter ( hopefully to mail out XX/XX/XXXX ) to them about verification of said debt - under Federal Trade Commission 15 U.SC, 1629g Again I have never received any communication about this said debt and this collection company.
I recently recieved a letter from a company called Convergent Outsourcing INC on the XX/XX/XXXX stating that I owe {$880.00} to XXXX XXXX   from XX/XX/XXXX. I was XXXX  in XXXX XXXX  at the time and 18 years in the military later now I get a letter for some odd reason and nothing from XXXX XXXX is on my credit report as being delinquent for 18years!!!. I called Convergent and they gave me some bougus info. Please SHUT CONVERGENT DOWN ITS ALL A SCAM!!
Equifax and XXXX are reporting tax liens on my credit when they are NOT tax related. They were from traffic tickets. They have led mortgage lenders to believe that I have tax problems and I have been declined credit because of it. This is in violation of the FCRA and the courts upheld this in this case : US Court of Appeals, XXXX Circuit, No. XXXX, XXXX vs. XXXX XXXX.
I had a loan with XXXX and paid it in full on XX/XX/2018. It is still on my credit report as owing a balance and late. I need it to show as Paid off with a {$0.00} balance. I am trying to fix and build my credit and this is harming me.
Unfortunately, I had lost all sources of income and fell behind on my bills. XXXX credit card in particular, XXXX bank unfortunately defaulted. During this time, I had applied for social security beneftis, and after the default, I was approved. Once my income was secured I called up the collection agency handling the account to resolve my debt. They had agreed to a settlement amount of {$2300.00} vs. the balance of about {$3100.00}. I still only receive $ XXXX month so I asked if I could pay what I could afford toward this settlement amount. They said I could, and I provided my account and routing number to establish a routine transaction. Six months later, I find out that they are not willing to honor the settlement agreement.
I have been unemployed for over a year. I was approved last year for an income driven repayment plan. Because I am still unemployed, and my unemployment benefits also ended as of XX/XX/XXXX, I requested a renewal of income-based repayment for the coming year. Although Navient says that my request was approved, 1 ) I was not told the amount until less than a month before the next due date, 2 ) when I called I was told there was nothing that could be done over the phone and that the only way to address the problem was by beginning the 3 month (! ) process all over again, and 3 )  the amount of the payment increased by more than 300 %. 

The dates and documents involved were the following. Please note that the dates of my document submission are approximate because the Navient website is not currently displaying incoming correspondence for my account. 

1 ) I submitted my request for renewal of income-based repayment late XXXX early XX/XX/XXXX. 

2 ) I received a request from Navient for further documentation on XX/XX/XXXX. 

3 ) I uploaded the further documentation during XX/XX/XXXX. 

4 ) I was notified that my renewal had been approved on XX/XX/XXXX. 

5 ) I was notified that my monthly payment is now {$260.00} on XX/XX/XXXX. This is one month 's notice of a $ XXXX increase from {$66.00}, and was given nearly two months after the notification of renewal. 

I believe Navient is acting in bad faith for several reasons. 

1 ) The documentation requested by Navient was my most recent Federal tax return, for XXXX. This tax return shows income I made before unemployment began. I was told by customer service when I called that this tax return was the basis for raising my payment amount. It is easily discernible based on all of the other information that I provided that I have been unemployed since the summer of XXXX and that this tax return is not at all representative of my present income in the autumn of XXXX. 

2 ) A review of this decision should be done without having my having to go through the same process -- which took 3 months this summer. 

3 ) There was no reason for the 2 month delay between approval of the renewal and the disclosure of the new payment amount, which came as a surprise and a shock to me. 

4 ) The website does not show uploaded documents. 

I suspect that Navient is trying to avoid honoring the terms of the Income Based Repayment Plan by shifting people in my position to deferment programs instead by increasing repayment without reason, and with unaccountably late notice. Navient is already facing lawsuits for denying borrowers recourse to these programs designed to help borrowers, and I believe this is an extension of that bad faith activity.
capital one, despite 3 filed complaints, still provides no viable option to remove fraud alert from account.
After 14 years of perfect payments, I missed my XX/XX/XXXX {$480.00} mortgage payment ( Taxes and Ins escrowed ) during Hurricane Irma. My city  XXXX, FL in county XXXX county was declared a federal disaster area during which I went 7 days without electric and water. I spent {$200.00} on fuel to run my generator to survive. I have been able to make all future payments. Wells Fargo home Mortgage gave me 3 months to catch up which I could n't. The now will not accept payments from me and are saying I 'm two months behind plus late fees. They have offered me short term mortgage assistance with three payments of {$60.00} starting XX/XX/XXXX. I 'm not sure how making a lesser payment will allow me to catch up. They also informed me that accepting this offer may adversely impact my credit score. I am greatly concerned I am being set up to fail so they can collect the mortgage insurance and I will loose my home of 14 years.
I have not been able to get the mortgage company ( Fay Servicing ) to pay my Abatement Contractor. The work by them is complete and the mortgage company has had the funds for 2 months now. The contractor is getting ready to send us to collections and have added interest to the amount owed. I have been on the phone at least once a week with my mortgage company and have only been told it is in review or they need to inspect the work, but have not set up an inspection date.
On XX/XX/2018, Someone from a forum offered me to a pair of shoes for {$400.00}, I sent {$200.00} to the person via XXXX using my Wells fargo checking account as initial payment, and I will pay the rest once I have the valid tracking number for the shipment in the afternoon. That person told me that the package has been dropped off at UPS. I checked the tracking online, but nothing shown up yet, the person told me to wait for one day. so on XX/XX/18, I checked the tracking number online again, nothing shown up either, so I figured out that the tracking number was fake, it was a scam. and I tried to contact the person, but he never answer my text message or any contacts. I called my bank which is the Walls Fargo to stop the payment, and their representative informed me that the payment can not be stopped because it was finalized already. I told him that I was got scammed, needs to stop the payment to protect myself. he refused and said nothing they can do at this point. I was very frastrated, and asked Wells Fargo agent at least twice about XXXX  transfer, he told me that I will not get my money back. the bank disconnected the call.
On XXXX/XXXX/2015, I was a victim of a case of extortion, coercion, and credit card fraud by the merchant XXXX XXXX XXXX XXXX while I was traveling abroad in XXXX, XXXX for the total amount of {$3900.00} which was made in XXXX separate transactions of {$1900.00} and {$1900.00} with XXXX separate credit cards on my Barclaycard Arrival Plus MasterCard and XXXX XXXX XXXX XXXX, respectively. After the incident, I called to report the transaction as fraudulent to both of the XXXX credit card companies and banks involved : XXXX XXXX ( for XXXX XXXX XXXX XXXX ) and Barclays Bank ( for Barclaycard Arrival Plus MasterCard ). Additionally, I filed a police report in my local jurisdiction for the incident. To my exasperation, the credit card companies refused to acknowledge the transaction as fraudulent, instead insisting it was merely a billing " dispute. '' As such, they did not investigate the case as fraud. Although a billing dispute did ensue with the merchant through the bank, ultimately I lost the case due to the merchant producing an alleged piece of evidence ( a copy of the signed receipt ), thereby closing the case in the favor of the merchant. I attempted to notify the banks that this piece of evidence was falsified by the merchant and pleaded my case that I never received the goods and services that were itemized on the receipt, to no avail. 

I am filing this official compliant with the CFPB today against Barclays Bank in particular. Not only because I maintain my claim as the victim in this case and of the falsified evidence used in the dispute, but also because I believe the banks wrongfully did not pursue my case as fraudulent, despite the fact that extortion/coercion is illegal and the transaction was a result of criminal activity. By demoting the incident to a mere dispute and refusing to classify it as a case of fraud, I believe I was treated unjustly and my rights as a consumer were not upheld. Therefore, I am requesting the credit card companies and banks involved to credit me the entire amount of the fraudulent transaction.