WillisBack/dataset-financial-user-claim huggingface dataset:
I applied to refinance my home with Discover Home Loans on or about XXXX XXXX, 2015. Over the space of approximately one week I submitted electronically all requested documents to Discover as part of this application process. On XXXX XXXX I was notified that the loan was " conditionally approved ''. Upon returning from vacation on XXXX XXXX, 2015, I submitted additional requested documentation. On XXXX XXXX, I was notified that they were 'working on a couple more things '' before final loan approval. On XXXX XXXX, I received another email with the same remark. On XXXX XXXX, I requested and update on the status. On XXXX XXXX I was notified that I needed to submit a new disclosure document. I noticed that this document resulted in a significant increase in my closing costs and contacted via email Discover loans regarding this matter on XXXX XXXX. At this point I lost total confidence in Discover Loans and requested a refund on my home appraisal. Discover Loans has not complied with my request.
I have made a prior complaint against my mortgage company for gross mismanagement of my mortgage since its inception. It was not resolved to my satisfaction, although the company was able to gloss over the details with the CFPB so that the case was closed. In XX/XX/XXXX and XX/XX/XXXX, the problem was finally resolved, but with no help from my complaint. It took me screaming and multiple calls to finally resolve the issue. The company, after 8 months of going from department to department, finally completed the paperwork to acknowledge that my mortgage did NOT have an escrow. In the interim, even after submitting my case, they continued to mismanage by suspending my payments because the amount differed from the expected payment ( with escrow ) even though they acknowledged their error with adding the escrow. <P/>In XX/XX/XXXX, I contacted the company and the suspended payment ( for XX/XX/XXXX ) was rescinded, no late fees, no issue to my credit - and they accepted my original loan payment as payment in full. <P/>In XX/XX/XXXX, I 'm starting to get robo calls to call them immediately. After 2 days of calling and returning, they acknowledge that the robo calls are for late payment reminders - but since the calls started on XX/XX/XXXX- I am 9 days from my payment being considered delinquent. They acknowledge their error - that robo call reminders do not go out during the 15 day grace period. <P/>I am alleging that this is retaliation for the complaint.
The credit agency XXXX XXXX XXXX after several request have not verified this account to me. I speak to them on the phone and they have no information they stated for me to speak to their attorneys. If they have no information on me then how are they reporting and verifying it to the credit reporting agencies? The credit reporting agencies claimed they investigated and the account is verified. I have no knowledge of this account and they can not and will not properly verify this account as belonging to me with a signed authorization of me acquiring this account. They have also brought a false Judgment against me for this account that I have no knowledge about. Please assist me. Thank You
- I was going through my credit report and noticed that an account ( XXXX XXXX XXXX  Act. # XXXX ) that I closed, it's reporting that I was market on my credit report as I was late from 30-120 days. I made the payment on-time as required by the company but never received the bill that I was paste due. Than you!
After checking my profile this summer on XXXX XXXX ( XXXX ) I noticed that my credit card with a {$24000.00} limit from Bank of America opened on XX/XX/XXXX was closed. I contacted them to inquire why it was closed, because the reason listed on the site under Remarks is " Account closed by consumer '' -- -I DID NO SUCH THING either verbally or in writing. I was told by the representative when I contacted them was that is was closed " due to non usage '' and added that it could be re-opened by applying a second time which would be a hard check on my credit, dinging my score which has steadily dropped from well over 750 to low 700s as I've paid off various accounts and balances. What I DID do was have the balance transferred in XXXX/XX/XX/XXXX to a XXXX Personal Loan because the Bank of America credit card interest rate was too high and at XXXX, I was able to get a better rate in order to pay the balance off faster. Yes, I did stop using my credit card to reign in my spending, improve my financial standing and score and pay off my debt. What I didn't expect was this financial institution to cause me financial harm by closing a card with the credit limit that I earned without my expressed written or verbal consent. I contacted the credit bureaus to dispute the closing and have received results that are not favorable, so I decided to reach out to the CFPB to see if you all might be able to help. I'd like to make a major purchase in the coming year and will be unable to do so without demonstrating that I am responsible with money. Thank you for any help.
I was in the market for some appliances and when searching for them I was told I could buy them on the sears credit card a t zero pe rcent interest. It turns out that it was n ot zero p ercent interest but rather it was deferred interest. I was hit with almost {$500.00} in interest in  XXXX  and just came of find this out after wondering why this account still had a balance. I looked through my  XXXX  statement and it looked like an ordinary statement nothing that specifically called out to pay the remaining balance on the account.     I ca n't pay an additional {$500.00} when I only owed {$180.00} on the appliances I bought prior to being hit with these ridiculous interest.     Their store associates need to be clear about how they are explaining these interest plans between deferred and zero interest.
I 'm a first-time borrower in XXXX school with issues regarding payment allocation on behalf of Navient, my loan servicer. According to Navient 's website, payment allocation for Federal Direct Unsubsidized Student Loans would first be applied towards any late fees ( which do n't accrue on this type of loan, according to their website ), then next to any unpaid interest, and lastly, towards principle balance. I was under the impression that I could keep track of my interest that accrued, make payments accordingly, have those payments applied towards said interest, and if I chose to pay more during a payment, to have it allocated towards principle. It was never disclosed if I had to make payments on time each month, but my first two monthly payments ( in the exact amount of the interest at that point in time ), were applied as a " customer refund to reduce principle ''. I was n't expecting my payment to be applied that way, so I sent an email questioning it, only to again be told that my payments would be applied first to interest, then principle, which did not happen. I made a payment on XXXX/XXXX/XXXX, 4.5 months after first disbursement, and it went towards the interest. I figured the first two payments may have been a glitch. I then made a payment for the new semester on XXXX/XXXX/XXXX, which again, went towards a " customer refund ''. I wrote again, just to get the same reply, once again, about payments going towards interest first, then principle, except this was still not happening in my case. I called Navient on XXXX/XXXX/XXXX and spoke to a rep, who disclosed to me that there is a " 120 day holding period after disbursement '', where all payments made within those 120 days would be a " refund ''. I explained to her that that was not disclosed anywhere Navient 's website. I asked her where on the website I could find that disclosure, and she did n't answer my question. She repeated again that on XXXX XXXX XXXX, my payments would be applied towards unpaid interest. I explained that while attending school XXXX and working XXXX hours a week, I ca n't afford to wait that long to pay a lump sum, and that I would like to make small payments each month to keep up with the interest. The website explicitly states that my payments will be applied to interest, then principle, and I have the same statement in email form from Navient. She explained that if that 's how I want my payment allocated, I have to call each time I make a payment. I should not have to do so when I am told, in writing and on the website, that my payments will go towards interest and then principle, not the opposite. In addition to this, I am unable to claim any tax deductions since they mishandled my payments in XXXX and applied them towards the principle, and not interest, as I had intended, and was under the false pretense that that 's how my money would be allocated. I am fed up with this company telling me they will handle my money one way, but do something else with it.
Was sued by XXXX XXXX. Contacted office twice for proof of debt and who originally had the loan. Twice they mailed a copy of the default judgement. They refuse to provide any proof of what this debt was for, who original owner of debt is, and amount. I disputed this through XXXX and it was removed. However, XXXX XXXX Court is still showing that it is not satisfied.
I did a mortgage modification in 2010, and subsequently filed a Chapter XXXX Bankruptcy, and was released from the mortgage. I moved out of the home over a year ago, and instead of just staying in home for free, I put it on the market to sell as short sale. Ocwen has obstructed the sale of the home for a year. We are in the process of losing our XXXX buyer in a year. This last time we were ready to close, but they wo n't write a letter stating that the XXXX lien the have is discharged. They wrote a letter stating that they consider the balance of the loan to be XXXX, because of course it was discharged in bankruptcy, but they wo n't use the word discharge, so the buyer can get title insurance. In the meantime the house is falling apart, and all the neighbors are complaining home is not being maintained. I am in XXXX & the home is in XXXX. My Realtor has literally hundreds of hours working on this. They just will not cooperate. They tell us we have to speak to The Research Department, which only has a fax number. I am trying to do proper responsible thing, and they will not do anything but give me the run around.
On or about XX/XX/2016, I put money into a safety deposit totaling {$26000.00} in cash. On XX/XX/2016, I returned and the money was gone. I complained to PNC Bank at XXXX, IL XXXX. XXXX. I went in person and complained to XXXX, bank manager. He told me to get a police report.
I discovered that there were two collection accounts reporting on my credit reports that did not belong to me. I was never notified about the accounts prior to the accounts reporting. I have filed a complaint against the collection agency and their response was that they would remove the accounts. The accounts were never removed from my credit reports and is still reporting to this day. The accounts do not belong to me and is the product of identity theft. It is very dishonest for the company to say that they were going to remove the accounts and not have them removed.
A XXXX office enters into an written agreement to accept the insurance payment as complete payment for his groups services. He charged me and my ex wife {$30000.00} for operation and accepted that I will receive what the insurance company pays up to this amount and anything over this amount would go to his office. He has renagged on this written agreement and sent the case for collection to Credit Consulting Services. I provided our contract with the doctor to CSC That should our payment and agreement with the doctor 's office but CSC still keep trying to collect a non existent debt from me and my ex wife.
I was contacted via phone - the person claimed to be a Citibank representative and said that they called me to lower the interest rate on my credit card. They asked about my phone number, type of my Credit Card, my CC number and the expiry datye of the CC. They asked me to confirm the last XXXX digits of my SS number. I suspect this might have been a scam and the info they obtained could be used to purchase goods. I would like to ask for verification.
I filed a complaint previously about the same scam from the same companies and I thought you had gotten it taken care of. 
I received a new letter in the mail today XX/XX/2019 wanting payment for something I know nothing about. 

Please get to the bottom of these fraudulent collectors and the fraudulent Creditor.
XXXX, WRITTEN LETTER STATING THEY WILL REMOVE THE INQUIRY WHEN EXPERIAN IS DISPUTED. I HAVE DISPUTED ALREADY, EXPERIAN REFUSES!!! ( SEE ATTACHED LETTER )
Can borrower current in their HAMP modifications ( XXXX and XXXX liens ) receive another HAMP modification due to hardship and interest rate increase? Wells Fargo ( my servicer ) said XXXX XXXX ( XXXX ) owns my loan and only XXXX HAMP modification is allowed. 

Any idea why XXXX loans can not obtain another HAMP modification?
Navient recently informed me that the company failed to capitalize my accrued interest when I entered repayment in XX/XX/2016, and that it would do so now. For the last two years, Ive relied on the amounts that Navient showed when making payments and suddenly they want to take an action to remedy their error from almost two years ago. Furthermore, instead of capitalizing the amount of interest at repayment going forward, Navient backdated the capitalization to XX/XX/2016. As a result, my loan balance increasedwith the incorporation of interest that wasnt actually accruing and that I couldnt have known about because Navient erred in servicing my loans. ( As reflected in the statements attached, specifically XXXX to XXXX. ) I called the company multiple times, and they refused to take any action, including removing the additional amount added to my loan balance as a result of their error.
XX/XX/18 I was denied for my housing application because the housing background check found a case and automatically assumed I was evicted. I was never evicted the case was withdrawn and Im still being denied a roof over myself and my childs head for false information.
XXXX   XXXX  Regulated does not have license to practice / collect in Arizona where i reside.      XXXX   XXXX  claims I have an outstanding electric bill.     On  XXXX   XXXX  I received a letter from Contract Callers Inc or  CCI  concerning the  XXXX  account.     I sent a letter to dispute to  Contract  Callers requesting a validation or verification of the bill.     On  XXXX   XXXX  i saw  XXXX   XXXX  put a collection on my credit report.     I called  Contract  Callers on  XXXX   XXXX . Spoke w/  XXXX   .  They told me, that received the bill on  XXXX   XXXX  from  XXXX  and they sent me a letter on  XXXX   XXXX . They told me they had received my dispute ; and noted to me that  XXXX  Reported the collection on my report. I asked to speak to a supervisor and was told the Supervisor  XXXX  didnt want to speak to me.   supervisor  XXXX  ext  XXXX .     I called  XXXX   XXXX  and asked to be connected to the Collection department. I was transferred again to  Contract  Callers.       XXXX   XXXX    NOR Contrac t has followed the process of the Fair Credit Reporting Act.   I am by law allowed 30 days to dispute.     The notice i got from  Contract  Callers was received on  XXXX   XXXX . I responded to the company prior to the 30 day limit.      XXXX   and/or Contract  Callers have violated the law.
This company tried to force me to agree to pay $ XXXX. to avoid collections. I told them I could only afford $ XXXX. They would not accept this, so I told them I would send what I could afford. I also informed them that if they were n't willing to work with me, they would get even less if they sent me to collections. I then came into extra money, so ended up sending them {$120.00} over two months ( almost double what they demanded ). They still sent me to collection!!!!! They said it was because I did n't have a formal agreement - which I was n't willing to do because I did n't know that I could meet the required amount each month.
Greeting, I have submitted to the credit bureaus Transunion and XXXX within the last two years several disputes in refrence to several accounts that were opened under my name and social. They were able to successfully remove a few items, however there were others that were still reminding on the credit report such as a two bankruptcies that were filed on my credit report. On XX/XX/2016 and XX/XX/2016 After being told that the account and items were valid, the items remained on my credit report. Preventing me from obtaining credit and being denied for several investments.
On XX/XX/2017 XXXX XXXX withdrew $XXXX from my acct at BECU after I used my debit card to sign up for a free one month trial that  I immediately canceled. 	 	From my BECU statement:
XXXX  POS Withdrawal - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Card Ending In XXXX	$XXXX	

This is the second time they have fraudulently charged me. And they have since, charged me the same amount every month in spite of:
1) I have asked BECU to block their access to my account.
2) XXXX acknowledges that I have never purchased anything or agreed to be charged for anything by them:
"email ----
from:	XXXX XXXX 
reply-to:	XXXX XXXX 
to:	XXXX
date:	Tue, XXXX XXXX, 2017 at XXXX XXXX
subject:	RE: [CASE:XXXX] Fraud
mailed-by:	XXXX
signed-by:	XXXX
security:	 Standard encryption (XXXX) Learn more
:	Important according to our magic sauce.
XXXX XXXX 
XX/XX/XXXX

to me

Hi XXXX,

Thank you for contacting XXXX Customer Care.

We understand that you have not purchased anything from our website and still your bank account is charged for $XXXX.

We have checked your account XXXX and unable to find any charges under your account. Hence we request you to let us know if you have any other registered email address with us so that we can investigate it further and help you better.

Please mention the case # XXXX in your future correspondence with regards to this query.

Regards,

XXXX XXXX

Customer Relations XXXX XXXX XXXX 

XXXX
This overseas company illegally withdraws and refuses to stop or acknowledge my attempts to contact them and my bank, BECU, aids them in this blatant theft. BECU refuses to stop this action in spite of numerous requests.
I am a XXXX XXXX XXXX woman and did not understand the usury interest rates that these people charge I made a transaction for {$2600.00} and have paid them {$2000.00} I have a financial cresis at home and can not continue to pay these usury interest rates for the rest of my life of 500 %
Select Portfolio Servicing Company is a dept collection agency which is about the 5th company to buy up our original mortgage~ they are not tge original holder of the promissory note and have been threatening us with calls, shark attorneys and threatening letters of foreclosure for a few years now. They say they will work with us with remodification but keep the payment at an astronomical payment that they know we can not afford. Their lawywrs say they want to work with us at a mych less repayment amount but tge bank says not true..the bank had us fill out 3 lines online and never asks for income verification ~just tells us you qualify only for {$4500.00} a month and thats it! We were told at court by their lawyer XXXX XXXX XXXX to work with him, but then never gets back to us, and the bank says dont work with our lawyer work with us directly ... what are we to believe? We can afford {$2100.00} a month and have asked them if there is a program to put us in a balloon payment and work with us with this amount they say they have them but not for us!!! They say they want to gelp us stay in home but then tell us this stuff!! They dont even have the original note or even own it.. they bought up a bad debt and they know it!! We have read there is litigation about laws protecting consumers about people trying to forclose on people when they are not original note holder ... its illegal ~ look it up. The original mortgage company XXXX XXXX XXXX XXXX..told us before we were ever late for a payment, when i called them to tell them i was an injured XXXX XXXX on duty and lost my job and the economy crashed and my husbands carpentry business went under, they told me the only way they could help us was to default on mortgageYES they said thismiss 3 payments and we can then help! That was a disgusting damaging LIE that started this disaster for us..we missed payments we could not recover from..it destroyed our credit beyond repair. We have never truly been heard and we have begged and pleaded for the judge and state of NJ to please take this very seriously! We have been done totally wrong from 2006 to now. We never have an answer! We have been told over years the foreclosure is dismissed with no explainations..sold over and over ... different law firms have picked it up! We have never been able to resolve it properly and its been XXXX for our family!! I urge you to please help us!
Im opening this complaint because Im having an issue with my XXXX XXXX XXXX. Please see the following details : - Approximately a month ago Id learned the somehow XXXX  XXXX XXXX was given a dispute letter which was intended for and submitted to XXXX XXXX. 
- First, I dont know how XXXX  XXXX XXXX receives a copy of a letter pertaining to a loan that does not belong to them. 
- Secondly, I dont know why representatives at XXXX  XXXX XXXX did not thoroughly read the letter upon its receipt as it named a private lender who it was intended for who is not XXXX  XXXX - Instead, XXXX  XXXX XXXX has removed my Student Loan Information from my credit as of to date - That means Im now not getting fair credit reporting on students belong to me as I am still responsible for paying the bill each month - Ive now contacted XXXX  XXXX twice regarding this issue. Once approximately in XX/XX/2019 and the other on today XX/XX/2019 - I dont remember who I spoke with in XX/XX/2019. The person I spoke with today is named XXXX. His ID is XXXX. 
- The reason has become a XXXX XXXX XXXX issue now is because XXXX XXXX XXXX didnt read the letter for XXXX when they first mistakenly received it. 
- Even after I called them about the mistake in XX/XX/2019, they still didnt get the manner handled properly This was so very simple and could have been avoided. All the original area /representative who received the letter needed to do is realize the letter was meant for another company ( private ) and not meant for XXXX  XXXX XXXX XXXX Instead, all or portions on My student loan information got removed from my credit report ( s )  which is very damaging as it has caused a major drop to my credit score right during my home search and buying process. XXXX XXXX is now showing as a closed account when it is not. This is not fair to me as a consumer making payments on my XXXX  XXXX accounts. Im not happy about this as Im sure no one else would be.