WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX sold our home loan to someone else. When we went for a meeting with XXXX ; they did not inform us that our mortgage had been sold. The company handling the loan ; Select Portfolio has now been threatening us with foreclose after their representative told us not to pay during the re-fi procedure.. We did n't. 
Now ; I am receiving foreclosure notices. My XXXX XXXX XXXX mother moved in last year after breaking her hip. This is unacceptable to me. The house is falling apart. We have no where to move. Our business is now located in our house. Wish I could call it a home. However ; the people at XXXX are not only deceptive. They are n't helpful in the least.We do n't know what to do at this point.
I have an American Express platinum card before. I got XXXX sign-up bonus points after I spent {$3000.00} within the first three months, as they advertised. Then I linked this card with another Amex card so the points were transferred there. Later on I cancel this platinum card. About two months after the cancellation they figured out I cancel the card, then they took away that XXXX points from my other account. There is nowhere says I can not cancel my card. I contacted them to resolve this issue a lot of times but they were just making up all kinds of excuse to deny me and none of them are reasonable. They are just a bunch of robbers! Beware of them everyone.
For whatever reason, my financial institution ( Citibank ) did n't see this dispute in my favor. If anyone from the disputes department called XXXX XXXX XXXX and asked just some basic questions it 's easy to see that this franchise has a lot of gray areas and has a a hierarchy of rules and people to contact just to get a simple answer. This franchise is such a scam! 

I paid for a service/membership that was never honored. Merchant canceled my membership without telling me. ( No correspondence, phone calls etc. ) When I went into store to use my prepaid pass I was told that I could not use pass until my pass was paid in full ( more money and another payment of {$160.00}. I assume whoever sold me this " wax pass '' makes commission and sold me on singing up. She failed to mention all these extra deceiving details ) I was not interested in continuing this pass so I asked how I could I get my money back. I was then told by an associate I could receive a full refund back to my original payment method after talking to a manager. I reached out to the district manger named XXXX via the phone on a handful of different occasions asking for a call back. I even went into merchant where I signed up after making several phone calls. 

( Update : I just recently found out on XXXX/XXXX/16 that XXXX in fact does n't work at a physical store. She works in a call center. This franchise is running a scam ) I asked to speak to another manger and of course the only manager I can speak to is XXXX. I was then told by another associate working that " my pass had been canceled for non payment. '' There was nothing she could do other than to let me use my store credit at the full retail price for services and not the discounted price. The only way to get a refund was by talking to the manager within 7 days. '' Supposedly, XXXX contacted me a dozen times about getting my refund. And if I wanted one all I had to do was call her back in this time frame. 

I attempted to contact the manger XXXX numerous times including driving across town to speak in person with a manager during this 7 day timeframe. I find it very coincidental that it took her longer than 7 days to get back in contact with me. 

( Update as of XXXX/XXXX/16 after calling and speaking with XXXX again, this time I got ahold of her on the first try, I was told that it took her so long to contact me because she works on a first come, first serve basis and by time she got all my messenges it was on the XXXX day ) I do n't want a store credit. I want my money back! I paid for services I never received! I am not interested in having services done with this merchant ever again. So having a store credit means nothing to me. 

My pass was canceled and the manger XXXX did not reach out to me during that 7 day period. This company literally took my money and my bank sided with them. 

While this is being investigated/appealed is it possible to receive a provisional credit? 

Thank you again for your time, XXXX
Navient ( Student Loans-buyer of XXXX Original Lender Handler ) Makes harassing phone calls using several Different numbers : Toll Free # XXXX ; XXXX ; XXXX ; AND UNKNOWN NAME { ID # XXXX } XXXX ; XXXX ; XXXX ; XXXX. Also Navient has used a " Shadow '' ID # As : Solution Research A : XXXX ( Source ID verified by call back ). All above # s have been used on Average of 10-12 Times per day beginning at " shortly '' after XXXX Sunday thru Sunday on a constant continual basis. Additionally, the aberrant # XXXX used were evidently created to appear non-descript, however, upon my answer or return call " pick-up '' person would immediately voice a rehearsed disclaimer : " Your call may be monitored or recorded '' no additional comment as is Common on such disclaimer e.g. "... for training purposes. '' Afterward, the Authorized representative would immediately ask me to verify my : Name, SS #, etc. ; and then commence saying '.. .we are Navient Student Loans Attempting Collect and Outstanding Debt. BUT although I have spoken to separate individuals on multiple occasions regarding my debt and financial Inability to pay : apparently, it did not matter. I was transferred to several others to discuss my financial indebtedness but to no avail. SO I have refused to speak again on the matter Knowing I will go through the whole matter again i.e., It now has become HARASSMENT! 10-12 calls per/day on XXXX primary XXXX # in addition to the flagrant use of the others to try and catch me " OFF-GUARD '' i.e, trick me/bait and switch. Finally, given the multiple DIFFERENT numbers used and daily disturbance in violation of California Consumer Law : Debt collectors can not use obscene or profane language, threaten to illegally harm you or your property or your reputation, falsely threaten you or threaten you with illegal actions, cause your telephone to ring repeatedly to annoy you, or otherwise harass or abuse you. ( California Civil Code sections 1788.10-1788.11 ; 15 United States Code sections 1692d-1692e. ) There is no law that specifically limits the number of calls an agency may make to you, but repeated calls over a short period, which may be annoying or harassing, are prohibited.Therefore this harassment as above stated must stop.
When reviewing my credit report I noticed Personal Finance Co performed a hard inquiry on XX/XX/XXXX that was unauthorized. I contacted the the company and was told there was nothing they could do to remove it so I immediately filed a complaint with the XXXX  and Office Of The Attorney General. I already had an account with Personal Finance Co that was opened XXXX which would have been the only time they were authorized to do a credit check. In XXXX of XXXX, I fell 30 days behind with my payments and instead of Personal Finance Co contacting the Credit Bureau to report a 60 day late payment, they did an unauthorized credit check. I have sent an attachment with this letter that I received from Office of Attorney General with a response from Personal Finance that they have requested the inquiry be removed. I spoke with a representative at XXXX  on XX/XX/XXXX and was informed that the inquiry still remains on my credit report. As of today, XX/XX/XXXX, the inquiry has not been removed. I would like for Consumer Finance Protection to assist me in getting this matter finally resolved. 

Sincerely,
I have disputed this account with XX/XX/2018, XX/XX/2018, XX/XX/2018, requesting they provide some type of application, or signed security agreement showing that this medical bill belongs to me. They continue to provide the contact for the hospital, in which the hospital billing department was not helpful. I have sent written letters to the collection company and called the hospital contact that was provided. The amount of the alleged debt is {$830.00} ; also in which I have not been to NO HOSPITAL or received any MEDICAL CARE.
On XX/XX/2018 I received a letter from Sears XXXX  saying that they decided to not to renew my account. The letter stated the decision was based on me having unsatisfactory credit. This is untrue. I have very good credit. I always pay all of my cards on time and in full each month. XXXX XXXX credit score is currently XXXX. So I believe they unjustly closed my account. And I believe the reason why is I had accumulated enough Reward Points to redeem a {$500.00} gift card, and they did not want to give me what I earned. Not only did they close my account, but they also immediately stole of the points I had accumulated over the course of years. This is a card that requires a yearly fee of {$35.00}, which I was willing to pay because of the rewards program. I called the number on the back of my card and was repeatedly transferred from department to department with no one willing to reinstate my points or give me a reason why they said I have unsatisfactory credit. I was on the phone for 2 hours.
I am attempting to purchase a home. My name changed after my divorce and XXXX XXXX and XXXX  were able to release my report to my mortgage broker, but Equifax is refusing to release my report, even after multiple calls and attempted faxes, multiple emails and submission of five forms of identification to a customer service rep, including my birth cert, drivers license, social security card, divorce decree, and a bill coming to my current address in my current name. 
Two days ago, I got an email stating that my case was closed, but they are still refusing to update my information or release my information to my mortgage broker. I may lose the purchase of this house due to their refusal to acknowledge my identification.
sent police report ftc violation and hacking XXXX XXXX, XXXX or XXXX XXXX  fail to look into the ftc violation
Equifax claimed ( for at least the third year in a row ) it could not authenticate me online when I tried retrieving my free annual report from XXXX. Attached are the verification questions they asked. The answers to ALL of them are " None of the above '' and this is how I answered. I believe Equifax is either systemically denying all requests from certain debtors for what may be discriminatory or other unlawful reasons, or to discourage requests for FACT Act disclosures in favor of their paid products. This has reached the point where I feel I must request more be done than just goad them into sending the report as they have in previous years. They must take concrete steps to resolve this issue once and for all.
On XXXX/XXXX/15 I sent a letter to validate the debt that this company alleges I owe them. I have record of them receiving but not complying to validate the debt.
I was in negotiations for a short sale with my orignal loan servicer, XXXX. Initially I had applied for a modification but then decided it might be best to do a short sale. While negotiating, the lender had a sheriff sale date of XX/XX/XXXX. On XX/XX/XXXX I was notified by XXXX that my loan was being transferred to Selene Finance and that I would have to begin negotiations with them when they officially became the Servicer ( XX/XX/XXXX ). Upon the loan being transferred, Selene wasn't open to negotiating since it takes time for them to upload the loan into their system ... I was told it would take 1 week minimum. In the meantime, the Sheriff sale was pushed back to XX/XX/XXXX and I am short for time to either get a modification or a short sale done.
I filed paperwork to initiate a or a chapter XXXX but have not affirmed/completed the process and have not included any revolving or installment debt. XXXX XXXX has reported the account in a wage earner program ( it is not ), as a charge off bad debt not paid as agreed when the account has never been late is not charged-off is not included in any wage earner program as have not affirmed and just received and processed my payment on XX/XX/2018 for {$150.00}. This is on a account that has always been paid as agreed to date. 

The same applies to the NAVY Credit card and the XXXX credit card has been paid in-full by me.
On XX/XX/XXXX I was pre-approved by Third Federal Savings and Loan Association of Cleveland for a house purchase that ended up not working out due to circumstances outside of the loan process. 

After some more house hunting, I went to re-apply for a pre-approval from Third Federal Savings and Loan Association of Cleveland on approximately XX/XX/XXXX 

A letter of Denial was sent out on XX/XX/XXXX saying my credit was inadequate. I was confused on some of the wording of my credit score. I spoke to a representative at Third Federal and was told " Not to worry about it '' and that she saw " A different number '' on her report. According to her, this letter was sent out by mistake. 

Approximately two weeks later, on XX/XX/XXXX, I began to become concerned because of the lack of communication after the last conversation. I called the representative back and was told by one of her colleagues that the denial was actually valid. The representative I spoke to originally was out that day. 

I called back the next day in the morning on XX/XX/XXXX and spoke with the original representative. She stated that the denial was valid, but had me forward a direct pull I received from XXXX XXXX and she would " Talk to her manager and see what she could do ''. 

I called back once more in the afternoon ofXX/XX/XXXX and asked to speak with the original representative. She was at lunch, so I asked to speak with her manager. After some clarification on the verbage of the denial letter, I was again told the denial was valid and final. I asked why I was told two weeks ago " not to worry '' by the representative while during that time I could be pursuing a loan from a different entity and an answer could not be given.
In [ Case number :  XXXX  ], Ba nk of American stated  in writing in  XXXX    XXXX   that I could request cancellation of my PMI at a  LTV ra tio of 80 % or below after  XXXX    XXXX  . I have contacted them to schedule my home appraisal for  XXXX    XXXX  , but Bank of America is now saying in their letter to me that  the LTV ratio i s now 75 % ratio instead of 80 %. I have called and written to the managers, but they want to hold on to the 75 %  LTV ratio, which contradicts their official written response in [ Case number :   XXXX  ]. See their response below : " ... .you  may request the cancellation of PMI when the LTV is at or below 80 percent of the original value of the property, or when the loan reaches the two year anniversar y in  XXXX  of   XXXX   ... '' Thanks.
I opened this card under the assumption I would receive XXXX ThankYou points upon opening the card, with a spending requirement of {$0.00}. I 've called-in numerous times to hear these points would be awarded within 1 to 2 billing cycles. I just want these points so I can end this relationship with Citi.
I have been attempting to pay off my house mortgage. For the last year I have paid large amounts of money payments toward the principal. If I missed a month I was assessed a late fee even though I was well ahead of scheduled pay off. On XXXX XXXX, 2016 I submitted a payment that covered all the money owed on the statement. XXXX XXXX, 2016 I received a statement stated I had a XXXX Balance, XXXX XXXX, 2016 I received a statement statin I owed {$140.00} and that I needed to wire the money. The XXXX XXXX, 2016 I received stated I now owed {$390.00} which included {$13.00} for a county recording fee which I understand. 
When I called customer service I could not understand the representative and asked for one that spoke English. The second representive 's English was just a bit better. When I ask her why the amount owed had risen so much she had an off line conversation and got back to 15 minutes later saying " INTEREST ''. My response was {$170.00} interest on a statement that said {$140.00} five days before. " YES INTEREST '' I requested to talk with a different Representative that could explain the bill. I received XXXX who found some issues and concluded the bill was {$170.00} today. I asked him if he would accept a check and he said yes but that it would cost me an additional {$20.00} because it was not with the same back and that I would need a little extra because the bank would hold it for 10 days. XXXX did an excellent job. 
My complaints : That the customer service personnel were not trained " INTREST '' is not an explanation as an answer. 
With the difficulty in the language barrier, I believe the Bank was hoping I would pay the additional amount instead of challenging it. 
The late fees and necessity of charging me {$20.00} for writing a check from another bank. 
After paying XXXX dollars of interest why is it necessary to make closing so hard? 
When I was force to retire 8 years early because of a loss of job this bank was the ONLY bank that would not work with me on my home mortgage and Credit Card debt.
XXXX XXXX keeps showing information on my credit report from XXXX and Transunion thats incorrect. I have disputed online with XXXX XXXX, XXXX and Transunion several times but each time the credit agencies dispute my information rather than investigate it and XXXX XXXX emails me that whats on the credit report is correct. They have never asked for additional information so I can prove the report is wrong. The last time I disputed information online thru XXXX XXXX was XX/XX/XXXX. They keep showing late/missed payments for XXXX XXXX but my XXXX 1st mortgage was sold to XXXX XXXX in XX/XX/XXXX. Their report shows it 's in a Chapter XXXX which it is not. The XXXX 2nd mortgage is included in my Chapter XXXX but they keep saying it also has late/missed/derogatory payments. I pay the Bankruptcy Trustee each month who distributes payments to XXXX for the 2nd mortgage, so the payments should not be reported as late. They also show that I opened the XXXX Mortgage XX/XX/XXXX ... which is incorrect. XXXX sold my mortgage to XXXX in XX/XX/XXXX.  XXXX is the only mortgage I have and it is not a part of my Chapter XXXX. I pay them over the phone each month on time. The credit report shows my XXXX mortgage was closed XX/XX/XXXX. They also show the last payment I made to XXXX XXXX was XX/XX/XXXX but I have been with XXXX XXXX and have not made any payments to XXXX XXXX since XX/XX/XXXX when they sold my loan to XXXX. The XXXX loan should show as closed out as of XX/XX/XXXX. XXXX and Transunion are also showing that I have a XXXX bankcard thats late and the last payment was XX/XX/XXXX. The XXXX bankcard is a part of the Chapter XXXX and they are responsible for making the payments since XX/XX/XXXX which was when the bankruptcy went into effect. I have documentation to show all of this if needed. Why the reporting agencies hasnt asked for proof is beyond me. With the agencies refusing to correct and update my credit report/credit score, it has caused me to either be denied for credit or pay very high rates. THIS IS UNFAIR AND THE CREDIT REPORTING AGENCIES HAVE REFUSED TO CORRECTLY INVESTIGATE THESE ISSUES AND UPDATE MY CREDIT.
We have XXXX prepaid debit cards from Suntrust bank that had a beginning balance of {$25.00}. 

We were charged monthly inactivity fees for no activity after 4 months of not using the card, which violates our understanding of the CARD act, which only permits the charging of fees after 12 months of no activity. 

The terms and conditions of the Suntrust prepaid debit card are here : " Inactive Account Fee {$2.00} per month following 3 months of inactivity. Inactivity is defined as no transactions ( cash or purchases ) or account inquiries made on the Card account. " https : XXXX $ XXXX in activity fees $ XXXX in activity feesI 'm asking for Suntrust bank to be held accountable for violating the law on protections against fees within a 1 year period, and for a refund of these activity fees.
Applied for a apartment and was denied because there were XXXX accounts on my credit report that should not of been sent to collections
A default judgment is appearing as a collection account on XXXX, TRANSUNION, AND XXXX.It is appearing as a collection perhaps to avoid properly categorizing the account as a public record due to AGREEMENTS BETWEEN CREDIT BUREAUS AND STATES ATTORNEYS GENERALS enacted within recent years.In addition, the date of first delinquency has been re-aged.THE DOFD coincides with the date of judgment entered ( ATTACHED COURT RECORD ) which would be impossible considering the nature of the debt, ie : back rent and holdover.The debt was many months prior to the stated DOFD.ALL THREE BUREAUS after numerous disputes permit a false re-aged date of first delinquency and permit a miscategorization of debt, and allow these inaccuracies to fly in the face of their ATTORNEYS GENERALS AGREEMENT, CREATING A LOOPHOLE FOR ACCURACY DEMANDED BY THE FCRA.THE DISPUTED ACCOUNT IS : XXXX, XXXX XXXX XXXX XXXXACCT NO.  XXXX.
My account currently has a negative balance because of an overpayment by a third party. According to regulation Z they are required to refund this overpayment to me within 7 days following my request. After waiting for the seven days, they informed me they need more information to process the refund : a letter from my bank stating I did not request a return of the payment or place a stop payment on any payments to them. Otherwise the wait period for the refund extends to 21 days. I asked them what regulation or law they are using to justify this and they said their own regulation.
XXXX and XXXX  a is reporting Midwest Recovery and XXXX XXXX as open and in collection on my credit report. This information is not correct because they was included in my bankruptcy. I have called several times and I do t get any results. The people that answere the phones can’t understand English. They say they have disputed it but when I call back within 39 days they have no record of my disputes.
I was forced out of forbearance by XXXX XXXX in XX/XX/XXXX ; at this time NCS contacted me about debt and I started the rehab program and completed my 9 months of payments and around the end of the 9 month I didnt have a job but they were calling me everyday because they wanted to add a card to the account. I was unemployed and borrowing from relatives to make my last few payments. XX/XX/XXXX is when I contacted them for a missed payment, made a payment and was advised that ; that was my 9th payment and I was now in my transfer period. All correspondents stopped while in my transfer period they did not mail me any statements saying my payments were due for the transfer period. Up until this time I was mailed a billing statement every month telling me my payments were due. When I contacted NCS they said it is not mandatory for them to send the notice!? Now I'm in a TOP that I cant get out of!! This should be against the law!!
I think it is Very unfair that I am not able to apply EXTRA payments to my principle balance. I emailed asking how I can do this and this is the emailed response : Dear  XXXX  : Thank you for contacting   XXXX   XXXX  .         The interest on your loa  n ( s ) is calculated using the daily simple interest method. Your interest accrues at a daily rate based on the principal balance and interest rate of your loan ( s ). Each payment will be applied the same. First, it will be applied to any interest that has accrued since the last payment, and then it will be applied to principle.
We do allow due dates to advance one month. We can place a note on your account that will prevent additional payments from advancing th  e due date. If you would like this applied to your account, please respond with this request.         We appreciate the opportunity to serve you as a valued customer. If you have any other questions, please respond to this e-mail or visit our website at  XXXX .         Sincerely,  XXXX   XXXX  Customer Service This should be illegal. How come I am not able to apply towards JUST the principle on top of my monthly balance that goes to interest and principle. I should have that option.