WillisBack/dataset-financial-user-claim huggingface dataset:
We had an insurance check for work to be done in our bedroom that was made out to us and our mortgage company Fay servicing. We received the XXXX disbursement and were told when we were XXXX done with the work that they would send an inspector out. After the inspector came out the next XXXX would be disbursed. We called 8 days ok and no one has called us to set up the XXXX inspection. After calling Fay servicing over XXXX times and email contact we have no resolution on when they will conduct the inspection. We have had our entire bedroom crammed into our living room for over three months. The lack of response from Fay servicing and timely assistance has been unprofessional.
My student loans were consolidated and myconsildation payments started in XXXX, however PhEAA is still actively reporting my loan in default every month as recent as XXXX. I understand the initial default being reported and not coming off for 7 years however they have not updated the report to indicate it is currently consolidated and satisfactory. It still shows as if it is currently in default and is heavily affecting my credit score. This is not acceptable. Please look into this and get back to me.
I am unable to access my online account and when I try to call the Rush Card customer service or email them, they do not resolve my issues. I want to make sure that all of my money has been appropriately used by me, and because i am locked out of my account I ca n't do that. Rush Card customer service representatives told me Sunday XXXX/XXXX/2015 that my account was unlocked and it was not. I feel very uncomfortable about them having my personal information and they are beng dishonest. Had the Rush Card rep told me they could n't help me that would have given me some trust in them. I unable to review my transactions.
I filed a dispute to remove inquires on my credit report that I did not authorized and it 's lowering my credit score. I have filed a dispute with XXXX, XXXX and experian, and still the inquires are still showing up on my reports. I have inquiries from XX/XX/XXXX all the way up til XX/XX/XXXX that keep appearing on my report and I have disputed these items numerous of time. There should not be XXXX inquiry on my report except from XXXX because I 'm in the process of buying my first home and this is delaying the process.
I was suppose to recieve a reversal from the merchant two days ago. However it has n't posted to my account there was an atm error in which the money that I was suppose to recieve was not dispensed to me however the full amount wss charged to my card. 
I have contacted rush card on a consistent bases just to get the run around. I am pregnant and ca n't eat because they have took my money. I have no help! I am devastated please help me!
I received a telemarketing call for walmart Mastercard at XXXX XXXX XXXX XXXX. I believe telemarketers have times in which they can call. It was very annoying and the caller hung up when I answered in a very sleepy voice
I got a {$600.00} loan From big pictures loans come to find out later they are charging me interest rate of 661.4909 %. Massachusetts rules on loans no higher than 20 % APR. I have Reached out several times to big picture loans with no Success.
This company trys to take advantage of tribal immunity and avoid interest caps. it 's the FTC Act grants the FTC authority to regulate arms of Indian tribes, their employees, and their contractors. specifically regarding deceptive payday lenders hiding behind a tribal affiliation.
Please Find documents attached
I deposited a check in the amount of {$4500.00} on XX/XX/XXXX. The receipt from the atm said my deposit would be available on XX/XX/XXXX. I go a letter in the mail from Bank of America on XX/XX/XXXX which is dated XX/XX/XXXX saying the available date was changed to XX/XX/XXXX and the reason is " a hold was placced on your check because check specific information indicates item may be returned ''. I contacted the bank on XX/XX/XXXX several times to find out what information did they receive that told them the check may be returned and could not get an answer. I called the issuing agency and confirmed the check cleared their bank XXXX on XX/XX/XXXX. So there is no explainable reason for my funds to be held for an extended time past the date originally quoted to me. I demanded to speak to the " risk department '' who put the hold on the funds and could not speak to anyone. spoke to several people claiming to be supervisors who told me there is nothing that can be done. They contacted the other department and my request for release was denied. I the funds were given to me for the sale of my home. this was not a personal check deposit. I also have approximately {$3500.00} a month direct deposited to this account. there is abosolutely no viable reason why they are holding money from me that they already received. I demand immediate refund of my money and interest payments that I have to pay for late payments on other obligations because my funds are not available. I also would like any overdraft fees that I may incur for this unjustified hold.
Wells Fargo is reporting my auto loan payment 30 days late when it was n't. The payment was 28 days late and I have the receipt from Wells Fargo that they sent to me proving it. Wells Fargo admitted on the phone that is was a mistake and it 'd be removed from XXXX that day. That was THREE days ago and it 's still on there and today they reported the same to XXXX XXXX. It dropped my FICO XXXX points! I was scheduled to sign a mortgage application today at XXXX but it ca n't happen now, causing me to lose the contract on the house I 've been waiting for.
I send Enhanced Recovery Company a debt verification letter on XXXX XXXX, 2015. It is now XXXX XXXX, 2015 and I have yet to hear from them. I recently saw on my credit report that I had a collection from XXXX that they are handling. The amount is for {$450.00}. I do n't know when this debt was made and they wo n't give me any information as to how I owe this.
the credit card limit was {$500.00} they told me someone took about {$1500.00} from credit card how is that posiable when the limit is {$500.00} they autherized {$1500.00} when i contacted them they wasn't helpful such as they can't take the complain over the phone has to be summited by mail hours if hon on the phone this credit card company known to give hard time to consumer they don't even take online payment you have to call them and give them checking account with additional payment fee to process the payment. 
i tried everything to resolve this matter but i failed.
I was contacted by an unsolicited telemarketing phone call from a company called XXXX that promised me a very profitable at home online business. I paid them {$1600.00} and they said I was going to make between {$2000.00} - {$3000.00} a month. It seemed very good to turn it down that opportunity. They said they would train me on how to put products for sale on Ebay. They would help me to find drop shippers so I could sell, all they have done was send me some videos to watch. I had no 1 on 1 training like they said was ever done. I could barely get in touch with anyone from XXXX on the phone. Very little contact. And when I asked for my refund they stopped answering my calls. I did not make any profit out of this mess. I could n't find products to list on Ebay to make a profit. They did not provide the services that I purchased.
In 2015 I brought a Toyota XXXX Toyota XXXX.They made me buy a new car knowing I ca n't afford it they also told me if I do n't buy a new car a can not get a loan. I 'm am a XXXX and they Also gave me a high interest rate I 've been struggling to pay from day one. I believe they discriminate against me.
XXXX  XXXX XXXX XXXX refuses to delete an account that is not mine, I have disputed the account on numerous occasions asking for a deletion. XXXX  XXXX sent me a letter showing a signature that is not mine. I also filed a compliant before and XXXX   XXXX advised me to place a fraud alert on my credit reports which I did before connecting the company regarding this issue. it was multiple accounts on my credit report that I had to dispute being that it wasn't my accounts and had no issues getting the items removed. They are still illegally reporting the fraudulent account despite me asking them to delete it from my credit report. This is against the FCRA laws. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if XXXX XXXX fail to comply with the federal law I will be forced to take further action. I am a litigation consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. This is my 3rd complaint with this company and they say the same thing each time! I received the validation letter! Which wasnt my signature!!! That is not valid signature! This isnt my debt I already filed a fraud alert on my reports I have done everything I was suppose to do! At this point Im considering getting my lawyer involved
PNC banking institution used questionable tactics over customer service telephone services in order to mislead me into believing that a fee would be removed/waived. They never provided preventive resolutions on the issue until I filed an internal complaint and was futher escalated.
Wells Fargo closed my credit card with out notification. They stated that they closed the card because it was not used for 6 months. This action taken by Wells Fargo has had a negative impact to my credit rating.
I opened a BB & T checking account on XX/XX/XXXX. I signed up with promo code XXXX which promised a {$100.00} bonus if two outbound transactions were made with XXXX within 60 days of account opening. I made two XXXX transfers on XX/XX/XXXX. The bonus was supposed to be deposited in my account within 60 days of the promo expiration date of XX/XX/XXXX. It has passed the 60 day marker and I do not see a deposit. I called customer service and asked when I would get the promotion. They ensured me that the promotional code was applied to my account and that the money would be in my account. It is still not in my account.
Between credit reports that I have from Equifax dated XX/XX/XXXX and XX/XX/XXXX, Equifax added the numeral 2 as a suffix to my name. I have requested that they remove the numeral 2. I can not get into the web site as they only show valid suffixes as roman numerals, i.e. II. In other words no way to input a 2, using roman numeral does not work. 
I have never had any suffix. Both Equifax and XXXX have no suffix for me. I have provided Equifax copies of drivers license and social security card. still they will not correct what they did in error. 
This is their error.
I had a credit card balance that was due on XX/XX/XXXX and I paid the balance in full on XX/XX/XXXX and was charged interest.
I refinanced my FHA loan in XXXX XXXX. For one year of payments to the current servicer, PHH mortgage, all payments in the same amount and paid at roughly the same time, typically at least 15 days in advance of due date, were applied to interest, principle, escrow, PMI and additional to principle. Suddenly in XXXX XXXX, this all changed and my payments were being applied all to principle, none to any other categories. I made an additional payment, which I did suggest to leave as principle payment, at this point I was by their own agreement paid to XXXX. I made my XXXX payment on the XXXX of XXXX, I had received notice that there was a escrow shortfall, and the payment amount was re calculated. I made a separate payment of the amount of escrow shortage. Once again, the XXXX XXXX payment was credited in full to principle, not against the XXXX payment due. I have complained, nothing is changed, and I just received a collection call from this lender. PHH is the same predatory lender that I thought died in XXXX.
I disputed XXXX medical debts with Equifax the end of XXXX 2015 via the CFPB. I was told I would receive results from the investigation within 30 days. I have not received anything from them via mail or email. These debts are not mine and should be removed from my credit report. As of end of XXXX, XXXX debts continue to report on my credit report.
XXXX XXXX Report.com, Experian 's consumer service that says it gives you real, accurate credit scores from all three agencies. It is telling me my XXXX score is XXXX, my XXXX is XXXX, and experian is XXXX. Yet I ran my credit and none of those are even close to the scores actually reported to credit and lending institutions. They are charging me {$60.00} a month for the service. That 's fraud and misrepresentation. I know, I work at the FDIC when the CFPB was formed in XXXX directly for XXXX XXXX. This is criminal. Please investigate and let me know.
I have on three separate occasion in the past 90 days tried to call XXXX to have these hard inquiries removed from my report as I dont recognize them and these companies have not sent me any information in regard of the reason of inquiry. This is unalwful 604. Permissible purposes of consumer reports.
I have been fighting with my loan servicers for a few years now. Over the years, my loan servicer has been switched a few times. I have been searching and requesting information about the true creditor or beneficiary of my loan for since XX/XX/XXXX. Every time I sent a Qualified Written Request or a debt validation letter to my servicer, the servicing to my loan would be transferred to another servicer. After receiving some information from a certified loan auditor, I decided to exercise my right to rescind my loan. On XX/XX/XXXX, I mailed to StateBridge Company, LLC, hereinafter referred to as StateBridge, a Notice of Rescission canceling my Deed of Trust and Promissory Note. StateBridge received my rescission notice on XX/XX/XXXX. Pursuant to the Federal Truth In Lending Act, hereinafter referred to as TILA, the rescission is self-enforcing. It automatically extinguishes the lien and the liability. The statute and regulation specify that the security interest, promissory note or lien arising by operation of law on the property becomes automatically void. StateBridge has failed to comply with the rescission obligations which subjects StateBridge to potential liability. Non-compliance is a violation of the Act which gives rise to a claim for actual and statutory damages pursuant to 15 U.S.C. section 1640. StateBridge has failed to take the mandatory steps within the 20 day calendar statutory period. Since they have failed to comply with the statute within the 20 days, StateBridge and/or the " creditor '' have waived any and all defenses and are now in violation of their statutory duties. Because they have failed to act within 20 days, they have given up their right to make a claim for the money that was allegedly loan to me. The debt is not only unsecured, but it is eradicated starting with the rescission notice and ending with their failure to comply with the statute within the twenty calendar day period under TILA. 
The Supreme Court noted in XXXX v. XXXX that nowhere does 15 U.S.C. section 1635 ( a ) allow for a debate as to disputed or undisputed notices ; simply put the transaction and its contracts are void as a matter of law upon mailing of the Notice of Rescission. As a practical consequence of the XXXX ruling, a lender now bears the burden of filing a lawsuit to contest the borrower 's ability to rescind. In this matter, StateBridge has failed to take any action including filing a lawsuit against me to challenge the rescission within the twenty statutory days. Even though the Deed of Trust and the Promissory Note are canceled by operation of law, StateBridge is attempting to foreclose on my property on XX/XX/XXXX. I do n't understand how they can proceed with a foreclosure when there is no valid Deed of Trust. Given the blatant disrespect for the law, I am filing this complaint with the CFPB in hopes that it will take action against StateBridge for their disregard for the law. I believe that it is necessary for me to file this complaint because it appears StateBridge believes it can violate Federal and State law without any consequences for their actions.
XXXX, XXXX, and Trans Union Report - Excessive Number of Credit Inquiries, Impacting Credit Scores ( Not Significantly ). XXXX  XXXX XXXX Told me to Shop around for a New Home Mortgage and Best Rates for 30 days without fear of negative impact on credit scores. XXXX XXXX told me there is room for credit repair here.
I was paying off XXXX student loans. I had directed FED Loan to pay off loan sequence # XXXX in full. I had written this information on the check and included a letter of direction in the envelope. Upon review of my student loan, they did not do as directed. They instead paid a certain % on loan sequence # XXXX and a certain % on loan sequence # XXXX. I had previously called 4 different times to ensure I was getting the right information. The representatives I spoke with are : XXXX/XXXX/16 XXXX XXXX ; XXXX/XXXX/16 XXXX XXXX ; XXXX/XXXX/16 XXXX XXXX ; XXXX/XXXX/16 XXXX XXXX. Calling today, XXXX/XXXX/16 XXXX XXXX basically called me a liar because he could n't see the letter and " maybe I was n't specific enough. '' At the moment, I do not want ANY adjustments made on my accoutn. This is just one issue I have had with Fed Loan. It would be nice to get accurate information and for the payment center to follow directions.
I opened up a 18th months CD on XX/XX/XXXX with People 's United Bank NA on XXXX XXXX, NY. The CD matured on XX/XX/XXXX, the bank never informed me about the maturity of CD, no letter, no phone call, no e-mail. The bank renewed the CD for another 18th months with out my consent at a much lower rate ie 0.45 % annually than the market going rate 2.3 % annually, I tried to reason with the bank about closing the CD and opening an other CD with the current market rate, the bank declined and wanted to impose {$2700.00} penalty in the event I close the CD. 
I am XXXX years old and that is my retirement money, please help
I purchased a used vehicle from XXXX XXXX on XX/XX/XXXX for {$26000.00}, before agreeing to purchase the vehicle I asked the internet manager to send me all the fees that would be included in this purchase. This information was sent to me and I agreed to the purchase that included {$190.00} document fee, {$15.00} convenience fee and the appropriate state county taxes. My wife and I signed the Vehicle Order Agreement and the balanced owed states {$27000.00}, we then signed the retail installment sale contract and the Amount Financed within the " Federal Truth-In-Lending Disclosures '' states {$27000.00}. The entire purchase was financed through the dealership and Chase Auto Finance was the lending company. When I received the paperwork from Chase Financial the Principle Balance states {$27000.00}, this is {$190.00} more than the stated amount financed on the Vehicle Order Agreement and Retail Installment Sale Contract. 
When I called the finance manager XXXX at XXXX XXXX she reviewed my contract and even sent me a picture of the computer screen that showed the amount financed at {$27000.00}. When I told her the Chase paperwork states {$27000.00} ( {$190.00} higher than the agreed to {$27000.00} ) she could not give me an answer as to why there was a discrepancy so XXXX told me she would look into and get back with me. When XXXX called me back she told me the {$190.00} was a fee added onto the loan from Chase and that this was a requirement in the state of Indiana she then gave me the contact information for the area manager of Chase. I discussed the {$190.00} fee with him and heard the same thing that this is a Indiana requirement. I then called XXXX again telling her this fee was never discussed before agreeing to purchase the vehicle or at the time of signing these contacts. I was surprised to hear XXXX agreed with me and acknowledge the {$190.00} fee was not discussed and that she didn't even know of this fee from the banks until someone from XXXX told her. She agreed to discuss with management and ask for a refund of the {$190.00} fee. XXXX called me back on XX/XX/XXXX leaving a voice message stating the fee should be reimbursed from Chase and I should contact them.
Hello, the last time I spoke to my Private Student Loan Lender ( Navient ) was in XX/XX/2016. I was about to begin a Master 's program that would place my loan on hold payment. In that conversation, which was one of over a dozen on this topic, I inquired about my balance. I couldn't understand how I had been paying so much money toward my loan and the balance was increasing -- yes, INCREASING. To date, I have paid {$39000.00} toward my private student loan which had a beginning balance of {$75000.00}. According to the company, only {$6000.00} has gone toward the principal balance while the remainder has gone toward interest. Even if this were a true statement, that would mean my principal balance would have decreased by at least {$6000.00} ... instead it has INCREASED over {$30000.00}. The loan is now at a balance of $ XXXX ... my payments do nothing. The loan will never get paid off. It only continues to go up. Please, help me.
The following inquiries are showing on my report in which I did not authorize. Please remove them as they are impacting my score : XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Twice in one day? 

XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Navient continues adding balances and subtracting balances from my accounts. This is adversely affecting my credit score. I am in the middle of financing and their updates are detrimental to the process. For one, after being in forbearance and for the second time i consolidated four loans into one. I was told that the existing two accounts that were closed on XX/XX/XXXX and XX/XX/XXXX would be deleted from all credit bureaus. As soon as I consolidated by phone five loans were visible on my credit reports..PLEASE REMOVE ALL LOANS older than 7 years off my credit report, as that is more than the SOL for my state. I need this REMOVED ASAP as Navient is doing illegal collecting and credit reporting practices.
I attempted to deposit cash approximately {$100.00} into the at the BBVA branch at XXXX XXXX XXXX, XXXX, TX, XXXX on XXXX XXXX. The machine took the cash and then showed a screen that stated " We can not process your request. '' It did not then return my money, and I have not been credited for the deposit.
green tree has had the loan on my mobil for years a few years back i offered to try to make a short sale on the property and it was call next week so id call and it was call next week then after bout a month of that they say call next month and then nothing.Now it takes me to today i am bout a month behind on my payment im getting phone calls that i seem to miss while im at work .and they want me to call them back yet there is no option to talk with a person the only option i have is make a payment.I again have sent via fax to them a fair offer to settle my account and yet again i feel like they have no will to even look at it .so i look at green tree online and finding they are being fined by the ftc for the very thing im going thru im at a loss here and very XXXX out i cant even talk to a live person is there anything i can do???