WillisBack/dataset-financial-user-claim huggingface dataset:
I have two complaints regarding Nationstar Mortgage. 
1. I am currently in a Ch XXXX BK. My mortgage is paid by me outside the BK payment plan. As someone who has experienced significant financial troubles in the past, I think it 's very important to make sure my payments are made on timeand accurately posted. I have requested several times to receive statements - and my Attorney has given permission to Nationstar to contact me. However, each time I get " you 're in a BK so we cant send you statements '' - however, when I call on the phone and need to confirm EVERY MONTH that my payment was received and every quarter request a copy of my payment history - their phone recording has a long disclaimer how if you 're in BK this is not an attempt to collect ... .. - subject to the rules of the BK. My complaint is - Why ca n't they just put that disclaimer on the statements and send them each month? I know other mortgage companies do this. Also - once I filed BK - they shut off my online access so I ca n't even look there! This seems like a punishment to those of us that had financial difficulty and now we have to continue to 'pay for it ' when we are trying so hard to get back on our feet and rebuild. I hated that we had to file BK and- my mortgage was current at that time we filed. 
2. I have requested an escrow analysis now XXXX times. Each time I get the - OK it will be mailed to you. I have never received it. Today when I called - I got that " it 's not ready yet '' and I ordered it over XXXX weeks ago. WHAT? It 's an escrow analysis - it takes XXXX minutes to run on a computer - probably not even that long since the first time I called, the customer service rep did it while I was on the phone. Today the CS Rep told me he could n't mail it to me but he could give it to me over the phone? Now they tell me it 's not ready yet and they will only mail it to my Attorney. This seems like further delays XXXX punishment ) and also takes more of my time and his time to follow up. If they just sent me a statement I 'd know what the status of my escrow account was! 
I think this - 'we ca n't send any info to you ' is a cop out - especially once your BK is 'taken care of '' and the approved CH XXXX payment plan begins. I feel that it is discriminatory towards people who have filed BK. We used legal means to try and get ourselves back on track. I want to make sure my payments are received timely -what if there is a problem with my 'bill pay service ' and it does n't show - how do I know in a timely manner in order to avoid additional fees or bad marks on my credit? When I went through my BK - it was noted that my escrow account had a significant shortage - almost XXXX worth - which I had to come up with and pay right away. What it that happens again? How am I suppose to know? I am committed to managing my funds responsibly and getting back on track - this constant battle with Nationstar is nothing more than them harassing me due to the BK.
My name is XXXX XXXX. Your collection agency is reporting an alleged account that does not belong to me. I am demanding account-level documentation to verify this alleged account as mandated by a recent XXXX opinion.
I bought a car, a XX/XX/XXXX XXXX, from XXXX in XX/XX/XXXX. I paid on it without fail, timely and in full. I traded it in on a XX/XX/XXXX XXXX. 
i have the contract, that clearly shows this, yet, XXXX, renegged on the deal, and now is saying i voluntarily surrendered my XX/XX/XXXX XXXX. The dealership sold my XX/XX/XXXX, then XXXX took the XX/XX/XXXX XXXX back. XXXX has lied into their own records because they screwed up by allowing my car to be sold even though it was still my car. I can submit some documentation now, and the rest later. XXXX is guilty of fraud, renegging on a signed deal, and allowing my car to be " stolen '' and sold by the dealership. The lies and fraud and wrongful reporting to the credit bureaus needs to be punished and corrected.
I leased a 2013 XXXX truck and financed the lease through US Bank. The vehicle was turned in in excellent condition but upon turning in the vehicle, I was charged {$590.00} for alleged wear and tear on the truck bed. I took photos of my truck bed before turning it in. The bed was in very good condition. It had been protected by a Bedrgug truck bed liner. There were small dings that did not exceed the US Bank excessive wear and tear table. In addition to this, they charge a {$390.00} lease termination fee which I am paying, however, this appears to be a bait and switch tactic. They lure the consumer in with low lease prices then charge unreasonable lease termination fees attempting to influence the consumer to buy the vehicle at the end of the contract. Even though I did lease a new vehicle at the end of the lease with US Bank, they still charged me the lease termination fee. I am attaching photos of the truck bed to show that there is not damage in the amount of {$590.00}. To avoid these unreasonable excess wear charges, one would have to park the vehicle and never use it. This alleged damage is in the bottom of a pickup truck bed, but as the photos show, the bed is in very good condition and in no way would impact the value of the truck.
On XX/XX/2018, XXXX XXXX XXXX XXXX XXXX XXXX called me and stated that he was calling in reference to a debt that I had owed to XXXX XXXX XXXX in the amount of {$2300.00}. I stated that I had attempted to pay them and another firm but they said they did not have the file. I asked him how he got the file and he said that I had been contacted several times which is not a true statement. XXXX XXXX stated that they could make a settlement with me for {$1800.00} if I pay by XXXX XXXX, 2018. I said that I needed it in writing. He said he could not mail me anything but it had to be faxed. I sent him my fax number at work. He sent me the document. Now he keeps calling me asking me to send a cancelled check online for payment. The deadline has not passed. He is very rude and raises his voice saying things like " We are offering you {$600.00} reduction! ". I asked him to stop calling me and he stated " You were suppose to call me back! '' I feel that I am being harassed and not been given proper notification or time. I contacted the other firm ( RD Fuller ) and they said that they had not attempted to contact me at all.
ny student loan was sold to a company called navient the problem is when i pulled my credit report they have my one student loans listing under several items making it look like i have numerous amounts of loans the loans were taken out in XX/XX/2007 after i applied and stated to them i could not attend if it was not only with grant money, XXXX stated back to me lets not worry about the money right now just get you enrolled. that they did now i am so far in debt and XXXX that i can not pay them back but yet they harass myself and my XXXX mother for money they know we both do not have.i just want them either removed or condensed into one item on my reports so as it doesnt look as bad to someone inquiring about me.this has cause much problems between my mom and i being she is a co-signer because i had to take the loans or would not have been able to keep going to classes. so not fair. please help me. i was XXXX when i applied for school to start with an i made sure they knew it. its been 9 years now and they still call they still write letters and they still post repeated items on my report to make it look worse then it is.XXXX year out XXXX XXXX women in america doesnt get a break she get taken.shame how it works out.
My name Is XXXX XXXX XXXX today I was informed by my wife that she was in contact with a debt collection company named Portfolio recovery because she requested my credit report and this account appears in my credit report. I was shocked and upset at the fact that they never contacted me to dispute this debt in writing because they are not the only debt collection company who is trying to attempt to collect this debt. Another debt collection company name XXXX is trying to collect the same debt. I believe that Portfolio Recovery has violated the FDCPA, first failing to send me a debt collection notice in the mail to give me the chance to dispute this account, reporting this account to the major credit bureaus without a validation of the debt, improper sharing information with a third party my wife, trying to collect a debt that other debt collector allegedly own. I am filling a complaint with Federal Trade Commission and Attorney General Office as well.
A creditor retaliated after I filed a dispute with all three credit bureaus. On XX/XX/2018 an unauthorized 3rd party accessed by consumer report which which led to a denial based on key factors disclosed on my personal consumer file seen by ChexSystems, Inc. 

I pulled my credit files and discovered another derogatory error for 3rd parties to see updated by Creditor. I was unable to dispute matter. Items reported by XXXX affects my security clearance. My consumer reports has a security freeze and fraud alert. 

Adverse action taken by XXXX XXXX XXXX XXXX XXXX XXXX allege my consumer scoring was pulled by ChexSystems, Inc via email
Approximately six weeks ago, I applied for a home refinance with Bank of America that required a fee of {$470.00} to conduct an appraisal. At the time, i was told that the fee would not be collected until the appraisal was done. My refinance was not approved and the appraisal was never done. In fact, the order with the appraisal company was cancelled. I made three written requests to my loan officer to get a refund of my appraisal fee during a period of two weeks, and there was no response to my request. I have an email from my loan officer promising a refund if the appraisal is not done, but he has subsequently ignored my requests for the refund. 

The purpose of my claim is to get the promised refund of {$470.00} for the appraisal that was never done. 

Attached are XXXX supporting documents. The first is the set of disclosures for the loan. The second and mroe relevant document is a diary of all of the emails between me and my loan officer that show my numerous unanswered requests for a refund of the appraisal fee, the pormise from the loan officer that I would get a refund if the appraisal was not done, and the acknowledgement that the appraisal was not done.
I have never had a XXXX account and it is showing up on my credit report. The credit card was opened because I was XXXX so I could not have opened a credit card.
XXXX XXXX XXXX claimed I owe XXXX. They could not provide me with “validation”; that is competent evidence bearing my signature, showing that I have (or ever had) some contractual obligation to pay them. I have not heard from the company saying that I owe them. Also when I called I got no response. A certified letter was sent and I received nothing.
Hello I tried to file a deed in lieu of foreclosure with Nationstar mortgage ( account number : XXXX ) and I submitted all the required forms to my rep, XXXX XXXX, but she never responded. The first time I submitted the forms via fax was on XXXX/XXXX/2015. She did respond. I called and emailed her again on XXXX/XXXX/2015 and XXXX/XXXX/2015 and again, no response so I refaxed all requested documents. She still did not respond. I finally reached a deed in lieu representative on XXXX/XXXX/2015 who told me my home now has an auction sale date of XXXX XXXX and I can no longer qualify for a deed in lieu because there is a sale date. At that point I then enlisted the help of my agent XXXX XXXX to try to attempt a short sale and he submitted a request that same day. Still my request was denied because I was told there was not enough time to review my short sale request. I 'm very upset because I initially did everything I was told to do to complete the deed in lieu on time before a sale date was even put in place and because the rep refused to return my calls or emails I 'm not unable to complete a deed in lieu or even a short sale now. 

Please help as I feel my lender did not operate in an ethical manner and I 'm now unable to pursue any other options. 

Thank you. 

XXXX XXXX
There are inquiries from XXXX and XXXX XXXX on my credit reports with all 3 bureaus from fraud that was perpetrated in XX/XX/2018. They are weighing on my credit score and I believe XXXX reported me as having a delinquent account that doesnt belong to me. I was one of  the effected by the XXXX  data breach my family and I keep getting calls from spam numbers asking for personal information. 

XXXX county sheriffs case # XXXX
Frustrating working with XXXX XXXX XXXX 1. Error transferring {$250000.00} from savings account to CD account. 
2. Denial to transfer {$110000.00} from savings to CD if on deposit was made to CD account. 
3. Denial of password to be saved on my computer FORCING me to request a passcode. 
DO NOT always have access to mobile phone for texting DO Nota always have email since when I travel international accounts get blocked by web mail providers when suing public domain login 4, XXXX XXXX XXXX REFUSES to allow email or chat correspondence so you can not document written complaints. 
5. XXXX XXXX XXXX DOES NOT respond in writing to complaints over the phone. 
6. XXXX XXXX XXXX DENIES on internet me the right to move money from CD account online to savings, XXXX XXXX XXXX intra-bank limits prohibit transfers between internet accounts, prohibit written feedback on web problems, and NEVER communicate solutions just pass along complaints. 

Recommend GolDman SaCHS TERMINATE ALL RELATIONSHIPS WITH XXXX.
They took over my loan in XX/XX/XXXX and so far every month have charged me random amounts for other. They are not posting my payments when they get the. They ca n't keep charging me for other. I have sent several emails and they have n't responded to a single one.
I XXXX XXXX have recently gone through a great deal of personal hardship. This hardship was caused initially from a XXXX my husband had, along with his fight against XXXX. Various credit cards I owed on could no longer be paid upon. One of those is the account I am requesting a reasonable settlement on, along with a heart-felt explanation of the facts surrounding my own financial hardship. I therefore request SYNCB/JC PENNEY DC to submit a reasonable settlement to my account with them, something in the range of {$2000.00}. I do not have the desire to file a personal bankruptcy if necessary, but I would hope that could be avoided. I request an offer in compromise in written form only over the next ten business days.
On XX/XX/2018 I received an email from Chase letting me know that their airport lounge benefit would be changed from free admission for me and my family members traveling with me to just 2 guests. I have more than 3 people in my family and therefore I will be charged for my family members to use the airport lounges. I specially signed up for this card for this benefit. I paid a {$450.00} annual fee in order to use this benefit when I travel with my family. I barely had the card for 2 months and now Chase is playing classic " bait & switch '' by changing the benefit after they took my {$450.00}. I called customer service and they offered no resolution other than saying " sorry ''.
I have contacted XXXX on several different occasion in regards to my student loan being reported as 90 days late. However, my student loan has been in forbearance since XXXX XXXX due to the lawsuit against XXXX University. I filed a " Borrower Defense to Repayment '' and was confirmed that my loans were and still are in forbearance for a couple of years now. I tried fixing this situation but they still reporting negative. They are reporting two loans both as 90 days late and this information needs to be corrected. 

XXXX has failed to remove those 3 late payments from my credit report, knowing that the information being reported is invalid and I 've disputed it on my credit report once before. My student loan account needs to be updated to reflect no late payments.
Credit card account was placed for collections. A civil action was filed in XXXX XXXX XXXX XXXX. A settlement agreement was reached for {$750.00} with payments scheduled to be made on XXXX XXXX, 2016 and XXXX XXXX, 2016. Pursuant the agreement after payments were received the Debt Collector, XXXX XXXX, agreed to dismiss the case. Payments were made however XXXX XXXX failed to dismiss the case resulting in a judgment being entered in their favor. I promptly called and advised XXXX XXXX of the blemish that was now being reported on my credit report as a public record. I was advised that an attorney for the company had made notations indicating the settlement was completed. I was told I would receive a copy of the settlement satisfaction letter. To date, no such letter has been received. I filed a pro se motion to vacate the judgement and served a copy to portfolio. The matter has now been set for a hearing on XXXX XXXX, 2016. XXXX has breached it 's own settlement agreement to my detriment.
I had applied for a refinance with Discover Home Loans on XXXX XXXX, 2015. After 6 weeks and many hours on my part gathering the information that Discover needed, I was told that they could not go ahead with a mortgage because the Condo Complex that I live in was in the process of reparing some construction defects on the balconies and had a lawsuit in process with the developer over the defects. Discover told me that it was XXXX regulations that neccessitated the no mortgage discision. This did not make sense to me for XXXX reasons. XXXX if it is a black and white issue - lawsuit means no mortgage - this should have been discovered during the application process XX/XX/XXXX. Second the repairs cost around {$600000.00} which represents less that 1 % of the insured value of the property. In addition the HOA is doing the repairs regardless of the outcome of the lawsuit. I tried to escalate this issue with Discover but have been stonewalled. I also want to know exactly what XXXX says regarding their restrictions on lawsuits.
My student loan was serviced by XXXX. I have 2 problems : 1 ) They calculated/amortized interest incorrectly. 

As I paid it off every month, some months th iterest expense would be higher than months prior, even though the balance was decliing. 

I took into account the fact that some months have more days than other months. 

I emailed them and called them about 5 times. 

They insisted their accounting was correct. 

I was a XXXX, and I can tell you they over-charged me interest. 

They just sold the loan to XXXX, so they mno longer have my loan. 

I want XXXX to reimburse me for over-charging on interest. 

2 ) On my equifax report - this loan shows under " Derogatory '' category. 
I never missed a payment. When my wife and I considered Chapter XXXX bankruptcy, filed for it, but then VOLUNTARILY had the case dismissed ; being that it was a federal loan, it automatically went into deferral status. I never wanted to quit paying this loan, and never did, but while we considered bankruptcy, they refused payments form me. 

I would like this removed from " Derogatory '' by Equifax and the other credit bureaus, via XXXX 's request. 

i would also like all 3 credit bureau to further mention that my Chapter XXXX bankruptcy - in XX/2013, docket # XXXX, was VOLUNTARILY dismissed.
In 2007 XXXX XXXX XXXX offered me a {$150000.00} loan in my house I did not accept this offer nor did I sign it.
On XX/XX/2018 I had opened a Credit Card Account with Citi Card. In which they have deducted {$200.00} dollars from my Checking Account with XXXX  XXXX XXXX. 
I have received the credit card, with the {$200.00} limit, for the amount I paid them to place on my credit card credit limit. 
I used the card, and made around 3 or 4 transactions only. ( small ) I tried to place the card information on my XXXX under XXXX wallet so I contacted them, and the recording asked me to verify the information, which I did. The Representative asked me for my phone number and my name, I gave that to her. Then she asked me for a landline number, I informed her I did not have a landline, but I gave her my husbands number. 
They told me they were not able to verify my information based on this information, and it turned it into a Fraud Alert. I asked the customer service rep in the fraud department, if I could verify my information in any other way? by my social or any other way, she said no, that they would have to verify my account in this way, and they would be sending me a letter. I asked to speak with a Supervisor, and she informed me the same thing. Now my card is locked, I am not able to pay the bill or use it, I finally was able to pay my bill on XX/XX/2018, I contacted the credit card company on XXXX XXXX when my bill was due, and they told me until I receive the letter, they were not able to do anything on my account. I finally received 2 of the same letters on XX/XX/2018, and they both said the same thing. The said to contact the company because my account was being placed on a fraud alert. It did not give me any indication other than to contact the company and I did, and on the same day XX/XX/2018, I contacted the Citi Card Company, and informed me that I was supposed to receive another letter with a code on it, and I informed them, that I had not, I spoke to someone named XXXX   ( supervisor ) I asked for the Corporate Number, but she told me that she was not allowed to give me Corporates number. I told her that I needed to contact them, and I wanted to suspend this account. Again she said that there was nothing she could do to verify my information and I would have to wait on this particular letter. 
I am very fustrated about this whole ordeal, I believe Fraud on their part is happening. 
I would like to report them.
I have been in " limbo '' now for 4 months with Fed Loan Servicing over the renewal of my IDR Plan ( PAYE ). I have been in the PAYE plan for roughly four years prior to this and while I did miss my re-certification date I did end up ( after XXXX applications ) finally getting one through that was in good standing to Fed Loan Servicing. I sent my online request for renewal for ( PAYE ) with an attached IRS document provided from the online service. 

I called in after receiving a letter stating I was approved for my IBR Plan confused as to why it was not PAYE. I was told by a servicing representative and a supervisor that I was indeed on PAYE for the past 4 years and they were not sure why it was placed into IBR. At one point they said the account was notated as the borrower having requested IBR that was proven false when my online application was pulled and I did indeed indicate that I wanted to " RENEW MY PREVIOUS PLAN '' - PAYE. 

I was told during the call above that the account would be looked into and my issue would be resolved. For reference my re cert date was XXXX of XXXX and it is now XXXX of XXXX. I informed the agent that I could not afford the $ XXXX+ payment monthly and that the reduced payment under PAYE was what I was able to afford and had been paying up until XXXX of XXXX. 

About three weeks later I had received no word back from Fed Loan Servicing and I had gotten a letter stating I was now ineligible for PAYE based on underlying loans in my consolidation and that is why they placed me on IBR. They then told me to go to REPAYE for a reduced payment but under REPAYE I will now have to wait an additional 5 years for loan forgiveness. I can not afford my IBR payment and feel penalized and miss informed. I was able to make my payments under PAYE for the last four years successfully and had minimal issues. Now due to miss information and bad handling of my account I am being penalized and forced to use Forbearance after Forbearance ( dating back to XXXX and capitalizing over {$7000.00} of interest ) to cover my payments while I wait for a decision to be made. 

I am not only submitting this complaint here I am also drafting a formal version to submit to PA Lawmakers and the Governor XXXX XXXX. At every stage of this process I have felt under informed and at a disadvantage from the time I was told to consolidate to qualify for the IDR programs to the moment I was told I am not longer to PAYE.