WillisBack/dataset-financial-user-claim huggingface dataset:
My husband got a VA loan with GMFS Lending. My husband is self employed and had a big decline in his income. We contacted GMFS immediately and they sent us a packet to be completed and sent back with documents that they requested. We did exactly what we were told. Within 30 days we received a letter stating that we were missing documents that we had proof was faxed. So we resend the missing documents and called to see if they have received them. We were told that it takes 2 days for the information to be uploaded into the system. When we would call back in 2 days were told that all documents were received and was headed to the underwriter putting foreclosure on hold. Later we received a letter denial stating that my husband did not have enough money to afford the home. Evidently we did not fill out the packet correctly so we had to start the process all over again. We have been play this game since XX/XX/XXXX and finally we were served foreclosure papers and a sale date of XX/XX/XXXX We were shocked because we were under the impression that our paper work was under review. On XX/XX/XXXX I called GMFS and spoke to XXXX ID # XXXX to inquire about what was going on. At that time XXXX informed us that he did not see a sale date or any papers for foreclosure. but he will send an email to loss mitigation inquiring about our modification. When we did not hear anything from GMFS we called again. Again we were told that they did not see a sale date. I explained to them that I was holding the papers in my hands, we were served. We were told to disregard that because their computer does not show that any papers were served or a sale date. We have been calling GMFS every 2 days or so to check the status and was told that our paperwork was received but they did not know why it has not been sent to the underwriter. We were told to call back in 2 days. We called back and was told the same thing and that they were going to escalate to management. We called back in 2 more days and was told the same thing. Today is XX/XX/XXXX my husband called GMFS and was told that the paper work was not sent to the underwriter and did not know why but they were going to escalate it to another manager to call back in 2 days. We have been playing this game too long. We are not looking to live here for free we want this resolved so we can sleep at night.
A while back I had received a phone call at my work saying that there was papers to be served to me and a possible warrant. They Claim they are calling from HSBC Legal department handling the debt account. They to call and leave threatening messages.
I can send you a copy of the voicemail also the gentleman I just spoke to his name was XXXX phone numbers to XXXX XXXX XXXX. He said he is the office that has the document to serve me however will not give me any information and redirects me to the legal office at a XXXX number which unfortunately he hung up before I could get. But I could pull from a previous voicemail XXXX. Case number XXXX. When calling that number they placed me on hold for several several minutes telling me that they had sent the paperwork over to the XXXX XXXX County courts and that they had to personally search for the hard copies to find out what was going on with my case when she came back on the line she told me it was for an HSBC account we 're over {$1000.00} was due and that did not include attorney or court fees. When I asked her how come I receive phone calls way back a couple months ago and I 'm still at the same address and still at the same workplace and have yet to be served she wanted to confirm the address that they already confirmed previously. When I told her that the address was in fact correct and nobody has ever come she could not give me an answer as to why other than she was going to try to expedite it. Now here 's the thing the address they have is in XXXX  County not XXXX XXXX County so why would be served in XXXX XXXX County I do not know. The woman I spoke to claim to be in litigation and when she answered the phone call she answered with before providing me and him any information that this phone call will be monitored and recorded now I do n't know if that 's normal for law firms or not.
When they called my work they asked my boss their policy for serving their employees at work. Which thank XXXX I work for awesome bosses who did n't fire me because of this.
If they are a creditor HSBC and they 're using Scare Tactics or harassment like that it is illegal and violating FDCPA. IF they are not HSBC then it is a company to which HSBC sold the information to and they should still be held liable for passing my information on to such a harassing company that uses illegal means to obtain money.
I get a daily automated call on my cell phone and home phone number from XXXX XXXX XXXX. I don't know what this is for as I don't have any debt. I used to get a call from a guy name XXXX but that is not me. I don't know who this person is but someone keeps calling me and harassing everyday.
my wallet was stolen back in 2009 .this was during high school. someone put a fake check into my account. 
I told the bank I did n't know anything about this situation until a copy of the check came in the mail. the point of this complaint is to get to the bottom of this situation and to clear my name. my name is XXXX XXXX XXXX and my phone number is XXXX, my ss # is XXXX
StoneGate Mortgage failed to give me credit for one of my mortgage payments. 
This was shown on my XXXX 2016 statement. It shows that the payment was received on XXXX XXXX, 2016 and then reversed. There was no reduction in my principal. I called the company and spoke with XXXX at ext. XXXX. I was told that this was an error on their part and it would be corrected. I also contacted my bank. The mortgage payment in question has cleared. 
I have just received my XXXX 2016 statement. This correction has not been made. The principal has not been reduced and the interest charged can not be correct if they calculate my interest expense from an incorrect principal.. This recent statement shows that I owe two payments..
I have submitted a previous compliant related to the issue I am encountering ( XXXX ). After filing my compliant, I reached out to my mortgage lender again on XXXX attempting to obtain my mortgage payoff quote. I was finally able to receive it, however, it was incorrect. XXXX revisions have been made by Seterus to my mortgage payoff statement to date, and it still has not resolved the problem. I am now 4 days away from closing, and Seterus still has not provided me a correct mortgage payoff quote. Seterus is still including my homeowners year premium in their payoff quote, despite the fact myself and the lender I am due to sign with on Friday have repeatedly contacted them requesting the homeowners insurance be removed because the yearly premium is being included in the closing costs for our new loan. I called Seterus again today seeking a updated and correct payoff quote, and was told they require 7-10 business days to process the request, and the earliest I can obtain the information is Thursday, XXXX XXXX and there is no guarantee I will. Seterus ' inability to provide me with a correct mortgage payoff statement is jeopardizing my refinance and they seem unfazed by the federal regulation requiring they provide a mortgage payoff quote no later than 7 business days after request.
THIS COMPANY HAS CONTACTED ME IN REGARDS TO XXXX I DO NOT OWE XXXX AND THEY HAVE BEEN HARASSING ME AND HAVE REPORTED TO CREDIT BUREAU TO MESS UP MY CREDIT WAYPOINT RESOURCE GR XXXX XXXX XXXX XXXX XXXX, TX XXXX
I got a loan through XXXX XXXX XXXX on XXXX XXXX, 2017 to pay off my personal loan at Navy FLU. The payment was electronic. I take to NFCU on XX/XX/XXXX and they have n't received the payment. They said if it was sent by XX/XX/XXXX, then they should have received it. I verified my account information which was correct at XXXX XXXX XXXX. I talked to XXXX XXXX XXXX and they said wait until XX/XX/XXXX for payoff. On XX/XX/XXXX, I checked online and the loan had not been paid off. I call NFCU and verified my account which was correct information at XXXX XXXX XXXX. No payment received peer NFCU. I called XXXX XXXX XXXX  and they said NFCU rejected the payment. NFCU did n't tell they rejected the payment or why. All the account information was correct. This action by NFCU is going to cause me to make another payment. I have wait for a check from XXXX XXXX XXXX. Due to the amount, I believe NFCU will hold onto the check for at least 10 days before posting it. Again, the will increase the amount of interest. My loan should have been paid off two weeks ago. NFCU did n't tell me they rejected it. I was led on causing me to pay additional interest and out of pocket expenses.
Graduated in XXXX, company was originally called XXXX, now called navient helped me set up a payment plan that worked for me. I wasn't making a lot of money so I was paying on the lower end of most plans. I received a booklet to help me make my payments but I was never informed on my balance. Around XXXX I contacted the company to see if I was close to paying off my loan, come to find out I owed more than I did when I graduated! I of course felt like it was my fault, but now I realize they were taking advantage of my inexperience. I feel like this is something they should have notified me about. Its now XXXX and I have just under XXXX left, this has been such a weight on my career.
Experian is one difficult company to deal with. Theres a XXXX XXXX XXXX account that on my Experian report that doesnt belong to me. I have disputed this account many times in the past and it keeps coming back as verified. I want to know how? I dont believe the Disputes are being handled by a live representative. Matter of fact I believe that the credit bureaus are running are Disputes through a machine. Verifing the accounts without contacting the creditors. Again this account XXXX XXXX XXXX for the amount of {$350.00} does not belong to me
My parents bought me a XXXX gift card for my graduation on XXXX 2015. A week after they bought it I decided to look at the balance on the card and I discovered that an unauthorized puchase had been done, this left no funds in the card. The card had not left the house and it had n't been used once since it was bought by any of us. Once I learned of this me and my family took a multitude of actions to find a solution to this problem. We sent a fax and email to BankCard Services Disputes and we made multiple phone calls to them as well. On XXXX XXXX we received a letter informing us that they were setting our claim in our favor and they were issuing a credit to the account, the same account they closed because of the unauthorized transaction. A week later I called them to inform them that we had moved and had a new address. I 've called a couple times after that and every time I call I get the same answer : We are going to send you the card, wait about 5 or 6 weeks. We have been waiting for several months and still have no card.
Hello, I am working on a short sale that has a sale date. I submitted the package to the 2nd lien on XXXX I called today and they told me they did n't receive anything. This short sale is time sensitive and we ca n't keep sending paperwork over and over that has been already submitted.
I don't know what companies are involved. This could possibly be from the Experian data breach. I received a letter from the IRS alerting me of an Employment related Identity Theft Notice. They believe another person used my SSN to obtain employment. They sent me the notice to make me aware of the incident so i can take appropriate steps to protect myself from any potential effects of identity theft. They placed a marker on my tax account to identify that i may have been a victim of identity theft. I was referred to your site by XXXX instructing me to submit a complaint. I have also submitted a complaint to the FTC. All of my accounts have been flagged. I would appreciate any further information you can provide. 

Thank You, XXXX XXXX
I will like to start by saying Chase bank is so far my worst bank. I 'm a  XXXX  year old  female,   XXXX   XXXX   and working to survive.  XXXX     2016 ju st before  XXXX  I tried to logging to my chase online but it kept saying my account is blocked and asked me to call a number. I called and they said chase closed my account and I should be expecting a letter that 's supposed to explain why. I wanted my funds but they said I would n't get it till the closure was complete. They said I should be expecting a check in the mail. I never got any letter  but one stating  they asked for some information and have n't gotten it. I went to the bank but they were n't helpful either.. the manager tried and asked me if I noticed anything in my account and I said no. I told him about how my boyfriend was the only one sending me money and he confirmed that was n't the reason. I had a bad  XXXX  because there was no way of me getting money and the money I had was frozen.. I had to use my credit card and could n't pay on time which ended up affecting my  credit score. I  waited till the  XXXX   XXXX  and never got any letter or check. After so many calls, I decided to go back to the bank, only for the banker and after several hours of calls to tell me she is sorry but I 'm not getting my money because they think it 's fraudulent. I asked why and she said it 's not her decision.. It was late so the manager said I should come back the next day. I went with my boyfriend and explained everything again, I told her I did n't want any reasons to why they closed my account, I just wanted my money. She called and at first she said they sent it to me then eventually she said they did n't cos it 's fraudulent. She looked into my account and she saw my boyfriends Id and confirmed that it was real money. After a long call she was told to send copies to some lady on the phone. I had to go print my statement and boyfriends statement for her. I was supposed to hear back from her but never did. After like a month I went back only to hear she was on a leave and they were n't sure when she 'd be back. The acting manager and banker I met said they would send her a message and get back to me too. I 've been calling and now I 'm tired. They always claim to be sorry and try to tell me how bad they feel but they do n't know anything I 've been going through. This is  XXXX  and no one seems to bother about it, so I decided to do my research and found this website. I know the bank claims they do n't have to explain why they end a relationship but I do n't think they have a right over my money especially since I gave them evidence of it. They ruined my  XXXX  and   XXXX   XXXX   plans and also affected m y credit score and al l that ca n't be paid back but I do think I deserve an explanation and a proper compensation for all the troubles cause I do n't think I 'll ever forgive all these. I hope this website helps me out and I hope no one else experiences what I 've gone through with Chase.
My family remember received a call from National Principal group claiming that they are looking for me and need to know my whereabouts. They are claiming in their message that they will press charges against me if I do not contact them. I have no idea who this is or why they are harassing my family member. i do n't even know how they got my family 's phone number. It is illegal to harass or threaten to obtain money from me.
I have disputed this Target account multiple times. This company has claimed they would resolve my complaint if I returned the fraud affidavit. They have already received it and have done nothing, claiming they still do n't have it. 
This account is fradulent and harming my credit. I have incurred damages and intend to sue within 60 days if this is not removed from my report immediately.
I had a private student loan issued by XXXX XXXX XXXX in about XXXX to attend XXXX XXXX University in XXXX, MD. After graduating from college I had some difficulty repaying that loan and in turn XXXX sold the loan to a collection agency. Once the loan went into collections I made arrangements with the debt collector and have been making on time payment in full as scheduled. My complaint is that these payments are not being reported to the credit bureaus.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX XXXX Account # XXXX no contract or no signature
I never signed up for a Paypal loan. I did n't give paypal permission to start an account with a {$750.00} credit limit.
being contacted daily by phone and email from a service looking to reduce my student loan. under names : academic guidance, XXXX last email contained this : If you could call me direct or my team at XXXX we can finalize your application and most likely remove most of your Student Loan Debt Thanks and let me know if you have any questions. 

XXXX XXXX Customer Success Manager XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX called the number asked for XXXX. no one there by that name. i asked for manager and talked to XXXX XXXX. he refused to escalate to a manager above him and hung up on me several times. had other employees answer and also hang up on me. said he was the floor manager and that there was no one above him. stayed on the phone asking but he still refused to give me any other information to the point where he just stayed on the phone silent and ignoring me instead of giving up any more information. extremely unprofessional conduct. the thing about this is that i put information into a website a dfew months back. ever since then, non stop calls emails and people asking me for my personal information. I keep refusing and telling them to take my number off their list but still get these calls.
My complaint is to creditor, NCC Bus Sv, which I was never notified of this ridiculous amount they claim I owe which is {$4500.00}. Last year XX/XX/2017 I vacated XXXX XXXX XXXX my rent was XXXX plus late fees 5 % which leaves XXXX, I left the apartment 2 months prior to my renewal date which was XXXX due to rodent issues. I was never contacted by this company thru mail or by phone, this year I got a copy of my credit report and it states that I owe this outrages amount which is twice as much I owed for rent plus the late fees, I want to know where did they get this outrages amount from.
DirectExpress Debit MasterCard XXXX XXXX XXXX XXXX TX XXXX Trying to steal your Social Security or other Federal Benefits. XXXX If you call their " Customer Service '' number, you are automatically signed up to have them sent your Social Security, or other federal, benefits. You then have to pay to use the funds. <P/>It says they have the US Department of Treasury, Financial Management Service " permission '' to use the mumbo jumbo. <P/>Thieves. Scammers. Semitic Smile on the female dog that is on their misleading flyer. Texans. <P/>The stress of thinking I could lose my money this way, fear of having to pay to use my money, deserves damages compensation. <P/>{$10000.00} due me, in full, Immediately. <P/>XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX
Good Day, My name is XXXX XXXX and I have been faced with mortgage troubles for sometime. ( since XX/XX/XXXX ). I am currently working with Nationstar Mortgage, who has refused to lower my interest rate. They bought the XXXX loan from XXXX XXXX XXXX who gave me a trial period of {$500.00} a month, after having divorced, lost job, etc. I spoke with the bank repeatedly regarding my income and filed for fha several times. In any event circumstances later led me to file bankruptcy, Bankruptcy case XXXX. then the trustee appeared to lead me to believe that my mortgage would be deducted thru payroll and now I am facing foreclosure again. I would like to be able to keep home, I asked for helped. Can this agency assist in helping me with speaking to Nationstar to see if they could lower rate so that I could qualify for the loan. At 8 % XXXX XXXX XXXX said that I could not and gave me the trial period. The hand off to Nationstar from XXXX XXXX XXXX has been terrifying. I just want to keep home. Can there be a win-win. From XXXX to XXXX is a lot. I had been overwhelmed and hit by XXXX driver- so the fearful attacks frightened me into scared me. I have been a part of this and just would like another chance to save home. built by Dad. 
They asked me to pay on XX/XX/XXXX payment XXXX Nationstar XXXX : Nationstar ID : XXXX XXXX : ID : XXXX. Then try to pay {$14000.00} by XX/XX/XXXX.
The item has been disputed and closed since dispute but has not been removed. Reporting on all XXXX CB reports.
I APPLIED FOR HARDSHIP ASSISTANCE AND WAS DENIED DUE TO THEY CAN NOT FIND A FEASIBLE MORTGAGE PAYMENT. MY HUSBAND AND I ARE REQUESTING FOR HELP DUE TO MEDICAL PROBLEMS, MY HUSBAND WAS DIAGNOSED WITH XXXX XXXX. WHILE WE WERE DEALING WITH THAT WE EMPTIED OUR SAVINGS PAYING OUR MORTGAGE, OTHER BILLS AND MEDICAL. WE GOT TO THE POINT OF RUNNING OUT OF OUR SAVINGS AND KNEW WE NEEDED HELP SO WE HAVE REACHED OUT TO OUR LENDER AND WAS DENIED AGAIN DUE TO COULD NOT CREATE AN AFFORDABLE PAYMENT. HOWEVER, IN THE SAME BREATHE THE DID FIND SOMETHING AFFORDABLE WHICH WAS A REPAYMENT PLAN. THIS REPAYMENT PLAN THAT THEY ARE SAYING IS MORE AFFORDABLE THAN RE-AMORTIZING MY LOAN OVER 40 YEARS WITH A 4 % INTEREST RATE. THE RE-PAYMENT PLAN SPS IS STATING IS AFFORDABLE IS {$3900.00}, HOW IS THAT FEASIBLE OR AFFORDABLE THAN A MODIFICATION?!?!?!?!???? OUR FIXED HOUSEHOLD INCOME NET IS {$4400.00}, CAR NOTE {$300.00}, CREDIT CARDS {$150.00} = {$4300.00} IS AFFORDABLE TO THEM????? HOW IS {$68.00} AFFORDABLE TO PAY FOR GROCERIES, UTILITIES, INSURANCE AND MY PRESCRIPTIONS???? I RAN MY MORTGAGE INFORMATION THROUGH A CALCULATOR AND WHAT IS AFFORDABLE IS A 4 %, 40 YEAR LOAN WITH THE DELINQUENT AMOUNT ADDED TO THE BACK OF THE LOAN WHICH WOULD BE ABOUT {$2100.00}. IT IS CLEAR THAT SPS IS TRYING TO TAKE ADVANTAGE OF MY HUSBAND AND I SINCE WE ARE XXXX YEARS OF AGE. THIS IS THE EPITOME OF DISCRIMINATION AGAINST ELDERLY. I WILL NOT BE VICTIMIZE BY SPS AND HAVE ALSO FORWARDED THIS COMPLAINT TO MY STATE ATTORNEY GENERAL. I HAVE OWNED MY HOME FOR OVER 27 YEARS AND NEED HELP DUE TO MY HUSBANDS MEDICAL ISSUES. MY INVESTOR HAS MADE MORE THAN ENOUGH ON US IN INTEREST TO MODIFY OUR MORTGAGE TERMS.
My mortgage loan holder is Specialized Mortgage Services of XXXX XXXX. My loan number is XXXX. A bank draft from my personal checking account with XXXX XXXX of XXXX was sent directly to XXXX, sent in time to arrive on or prior to XXXX XXXX, 2016. Due to the fact that I check my bank balances every morning, I noticed that the payment to my mortgage loan account was never credited nor deposited. After several phone calls to SLS, it was mutually determined that I would stop payment on the first draft and issue a second one. A bank draft from my personal checking account reached SLS on XXXX XXXX and was deposited on that date as well. XXXX XXXX was, according to SLS the last day that payment received by SLS would be credited to the account as " payment made on time. '' A stop payment on the first draft was issued on XXXX XXXX, 2016. I was subsequently served with a letter by SLS stating that my payment was refused due to a stop payment. On XXXX XXXX 2016 I received another letter dated XXXX XXXX 2016 from SLS stating that my mortgage loan was delinquent by more than 30 days, and they had not received my XXXX payment. A cursory review of my checking account shows both the XXXX and XXXX payment deposited by SLS. I have never been late with am mortgage loan payment in the 23 years I have been a home owner. How can I get XXXX to respond and stop their bad behavior?