WillisBack/dataset-financial-user-claim huggingface dataset:
I inherited a home from my dad XXXX XXXX due that he passed away ; my dad still has a mortgage through Ocwen and because the acct was behind ; I was asking for a loan modification and to have the loan transferred in my name. In my opinion, Ocwen is the most unprofessional and display no empathy for a person at all. I submitted death certificate, transfer affidavit ( from atty XXXX XXXX XXXX, all my payroll stubs, tax information, etc. began to pay the mortgage and they continue to suspend my payments and stated that the information that I provided isnt good enough ; they are requesting a Will or letter of Administration. My dad didnt have a Will and my atty XXXX XXXX stated that what he provided is all they need but they insist that I go through probate and get a letter of Administration. I never seen a company that is so unorganized ; now granted my have authorization to speak with them regarding my dad 's account but they will not transfer the loan in my name and at this point I dont know where else to turn. I dont want to lose my dad house but I dont have {$7000.00} to pay out right to catch up on his loan ; but going forward I 'm so willing to take responsibilty but I need them to work with me. I 'm at my wits in because I have been dealing with this maddness for over 6 months. Is there anything you can do to help me resolve this issue. I would greatly appreciate it.
We contacted Rochester Home Mortgage regarding a refinance after viewing an advertisement they placed. It turns out that the company purely induces people to submit documents and charges a " nonrefundable '' charge. There is no one at the company, they all " disappear '' when trying to further the process. They scam people buy charging the credit cards without intention of doing anything further with an application. They lie repeatedly and there is no actual business conducted.
I have a PayPal account, which I will never use and I want it removed/deleted/deactivated, etc. I 've been trying since XXXX 2014 to delete my PayPal account myself without success. I have contacted PayPal a number of times to ask for PayPal 's assistance in deleting/removing/cancelling my account with no success. That leaves my financial information out there for whomever might be looking around to find. I also had a PayPal XXXX which I was able to cancel that account but the PayPal XXXX account is still linked to my PayPal account and of course my address appears on the statements which reside there with PayPal. I need and want the PayPal account closed/deleted/cancelled or whatever it takes so that no information is available anywhere to anyone. I 've sent email messages to XXXX XXXX, President and CEO XXXX, PayPal XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXXXXXXXXXX and it appears just get passed along to a support type person and they can not or will not delete my account.
A mortgage lending company pulled my credit on XX/XX/2018. I reviewed my credit report and found several errors and several accounts that do not belong to me. On XX/XX/2018 I submitted a credit dispute to XXXX XXXX, XXXX. In the credit dispute, I described the errors with my credit report and asked the credit bureau ( Experian ) to remove the accounts from my file. On XX/XX/2018 I received a reply from Experian stating they received a certification that the information is accurate. But they have not provided me with any documentation or other evidence to support their claim.
On XX/XX/18 I took {$100.00} out of my US Bank account using my card ending in XXXX. When I arrived home I did not have the money in my pocket. I do not wear baggy/loose clothing and am very conscious of my possessions. I rarely loose anything. I thought for sure the machine sucked the money back in and that I would see an account credit. When I did not see an account credit after several days, on XX/XX/18 I went to the branch on where the ATM is located in a sheltered ( card required to enter ) entryway into the bank. The woman at the bank processed a dispute of the transaction and assured me they would investigate by looking at the ATM report and cameras, and provide me with the findings. The ATM is owned by a company separate from the bank. I received a letter dated XX/XX/18 saying that the claim was denied because " no errors occurred with your transaction ''. On XX/XX/XXXX another letter mailed to me saying I had duplicate disputes and my dispute was being withdrawn. After some infuriating calls with US Bank where I was bounced back and forth between customer service and the fraud dept. I filed a claim with the CFPB on XX/XX/XXXX. The claim was dismissed on the basis that the Bank still had time to investigate. I near the end of XXXX I received a very cryptic letter from US Bank stating that the " documents I requested are enclosed ''. What I received was an inscrutable ATM terminal log report laced with jargon. There were no findings of fact, there was no interpretation of the report, no mention of camera footage being reviewed, no indication that the ATM machine does or does not suck money back in. The elements of a normal determination were not present and I have no confidence in their " investigation ''. Surely this kind of absurdity is a violation of law or regulation. I want an answer of what happened to that money.
I WAS A VICTIM OF ID THEFT IN A USED CAR BUSINESS, BY XXXX XXXX AND HIS FATHER XXXX XXXX. THEY FRAUDULENTLY USE MY NAME AND NAME SEMBLANCE TO DEFRAUD CUSTOMERS OF THEIR TAXES AND WARRANTY MONEY THEY PAID XXXX XXXX AT THE DEALERSHIP, XXXX XXXX HAS PLED GUILTY TO ALL COUNTS AS YOU WILL SEE ATTACHED. THE TAX LIENS ON MY CREDIT REPORT IS NOT MINE, THEY ARE WHAT XXXX PLED GUILTY FOR
I have people calling my job and making threats. I have asked for them to stop calling and they do n't.
I recently reviewed my XXXX consumer credit report and discover a company calling itself XXXX XXXX reporting a negative account on my report. I have no knowledge of doing business or signing a contract with XXXX XXXX. This willful and negligence action is causing harm to my credit score.
I contacted HSBC now to apply for a new credit card, MasterCard Gold,  to transfer a balance. Their offering states that there is 0 % interest on purchases and 0 % transfer fee for 18 months, the best in the industry presently. I was transferred to credit card agent when I asked inquiried about the maximum transfer limit. I explained to the next agent that I wanted to transfer {$21000.00} from a credit card that was charging interest to the new card. The agent stated that there was a 4 % transfer fee. I reread their offering to him and inquired whether a cash advance was a balance transfer. He agreed that it was not. Either HSBC is engaged in fraudulent deception or the agent was ill informed. I made this inquiry before I made the application. Last night I applied for an XXXX XXXX XXXX card. I explained my plan to transfer a {$21000.00} balance to the new card. The application was granted but the balance transfer was {$7500.00} and credit limit was {$25000.00}. I contacted XXXX  today and was advised that there is {$7500.00} maximum on balance transfers. The agent should have advised me of this maximum prior to completing the application. I did not want to make the same mistake twice.
I 've submitted two claims with Wells Fargo now twice they continue to ignore facts in resolving the issues. Several Checking and Savings accounts and even a loan was opened under my name and social with Wells Fargo without my consent and due to my identity being stolen. 

Wells Fargo continues to neglect factual information. They do n't accurately investigate claims and try to put accounts that do n't belong to me under my name and social. Wells Fargo ignores that the account identifiers do n't match me along with I 've been living and working abroad since 2010 so its impossible for me to have open any accounts with their bank. 

I 've talked to the Executive Office along with the Financial Crimes Manger and continue to get no where. I 've been given the run around and false promises. Wells Fargo has a history of not doing right by its consumer and I 'm not the latest victim of Wells Fargo neglect and irresponsibility.
XX/XX/XXXX - We sent a fax to close a secured XXXX credit card account with XXXX XXXX. Verified fax was received. Requested a refund of {$500.00}, the secure holding. 

XX/XX/XXXX - XXXX XXXX authorized to release fund, according bank representive. 

XX/XX/XXXX - Spoke to representative at XXXX, who stated funds were authorized to be released, but could not give me a date as to when. 

XX/XX/XXXX - Spoke with a supervisor at XXXX XXXX, who sent out an in-house email to find out when funds will released. She said to call back Friday XX/XX/XXXX to get an update. 

It has been 100 days since XXXX XXXX was requested to close account. I do not feel confident that I will receive a refund with the run around I get when call to get an update. My husband also requested to close his account the same day and has received his reimbursement already.
I wrote Transunion theough the cfpb and they responded telling me theyd remove the items and to call them for the inquiries on my report and that they would send me an updated copy of my credit report. The items have not been removed. I tried calling by phone its impossible and i never even received a copy of my report.
I opened a mortgage with Chase in XX/XX/XXXX, the mortgage was sold to XXXX then back to chase. During that time I obtained an IRRL due to my XXXX XXXX military status. While XXXX and on XXXX XXXX the loan fell behind and so I did a modification, upon which time unfortunately Chase and other banks were illegal foreclosures and I was in that bunch that was able to get mine approved. The modification took over a year as I was told the paperwork was lost at one point to they repeatedly needed more information and customer service liaisons switched on my account. In XX/XX/XXXX I XXXX and they gave me a 1 % interest rate for 36 months so I made partial payments. I was declared XXXX XXXX XXXX XXXX and in my transition my military check was behind and I have a XXXX child who was in XXXX. I was told to not make payments until the final paperwork for the modification was complete. This was due to them not knowing what the payments would be, at this point I never imagined or did I know that it was being negatively reported on my credit report. I have attempted numerous time to work with the credit bureaus and Chase directly but to no success. The reduced payments were made as asked. There should not be annotated as late payments period. Finally if that was n't enough the new modified loan and the old account have the same number so the delinquencies remain though I have never missed a payment since the modification. The new amount of credit for the new loan is {$210000.00} yet they are still reporting to the CB the old one of XXXX giving the impression on my credit report that I am over 22k dollars which is not true.
XX/XX/XXXX CFPB Case # XXXX XXXX and XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX Please review the updated response/request from NFCU once my Payment Protection Plan Eligible was applied for the timeline in question. I dont know what to do next. I called NFCU about the status of posting the XXXX XXXX Funds to my NFCU account and to inquire as to why XXXX XXXX XXXX are still handling my account and planning to take me to court after the money was clearly posted and I clearly qualified for protection during the cancelation period. It is very frustrating that NFCU is not honoring that I qualify for coverage and my accounts should not be in collections. NFCUs response to my dispute in was : Coverage was canceled on XXXX XXXX Home Improvement Loan ending in XXXX on XX/XX/XXXX and coverage on the XXXX Account was canceled on XX/XX/XXXX. However, if the protected event occurred while XXXX XXXX coverage was in effect, she may still  be eligible for Protection Activation. On XX/XX/XXXX XXXX XXXX XXXX initiated the contact to XXXX XXXX about my protection coverage. On XX/XX/XXXX I received a letter from XXXX XXXX stating Your credit union has notified us of your XXXX Please complete and submit documents On XX/XX/XXXX I received a letter from XXXX XXXX XXXX stated that After a review of my request for Benefits for XXXX ; payment on my account have been WAIVED for the period of XX/XX/XXXX through XX/XX/XXXX. Now NFCU acts like the situation is resolved and it is not. I spoke with XXXX XXXX at XXXX XXXX Now that the XXXX XXXX has been posted, the ball has dropped again. The dates are in the timeline of the cancelation on my NFCU Accounts. XXXX XXXX XXXX stated that the situation was out of his hands and that he would reach out to a supervisor. I have constantly stated that I have every intention of paying my NFCU Debt in full however, it is clear that my accounts should not have gone to the outside collection agency of XXXX XXXX XXXX. I still have to communicate through XXXX XXXX XXXX for a payment arrangement that would not have come to past if the XXXX XXXX was posted as stated by XXXX XXXX Branch. Im not satisfied with the resolution. My court date is XX/XX/XXXX in XXXX County at XXXX XXXX
There have been many issues with this 3rd party ; but the below is just for the new/continuing issues : 1. ECSI has another billing discrepancy : ECSI tried to charge me {$10.00} for a " letter ''. This " letter '' was most likely an account payment history ( an audit ) that I requested ECSI-Heartland provide, because ECSI messed up my repayment plan of my private, zero APR student, loan once ECSI took over receivables last year from the previous and defunct company. The mess-up is changing my APR from 0.00 % to 5.00 % and changing the billing period from quarterly to monthly. 
In rectifying the problem, it took a significant amount of my time and hassle to get both ECSI and XXXX University to see and admit the mistakes made and change the billing back to 0 % apr and quarterly billing. I had one more unresolved issue with ECSI ; that they explain or prove that my principal amount was not also messed-up and error free. I requested ECSI to conduct an audit on the account. All representatives told me I could do it myself. I continued to push and finally another rep said he could provide an account payment history. I told him that this would suffice as there 's nothing else they offer todo in wake of all their other previous errors on the account. 
Now today, when I called asking why my paper statement shows a balance of {$150.00} due BUT my online statement shows {$160.00}, the rep told me its because XXXX University can assess charges to the account for incidentals in accordance to the promissory note. ( Never mind that I do not have this promissory note and ESCI also does not have a facsimile. XXXX University also indicated, when I asked months ago over the phone, that they will not provide the promissory note. And moreover, XXXX, the head of student finance, will not return my phone calls or emails. ) Back to ECSI, after the rep refunded me the charge as " a one time curtesy '' I instructed her that I did not ask XXXX University to provide this " letter '' and that I also have no contract or any other agreements with ECSI ; so ECSI can not charge me except according to the promissory note. 
2. ECSI is still showing an incorrect mailing address. I did receive notice of a bill to my current home address of XXXX, XXXX TX XXXX. But ECSI 's online portal shows XXXX XXXX NY XXXX. I have n't been at this address in at least a year. but ECSI still has it and despite all of the back and forth with them last summer. 
3. ECSI 's online portal is terrible : I believe their XXXX app and database are a security vulnerability too from the numerous times one must login for unknown reasons ( not a time out issue ).
What is the statue of limitations on collecting a debt? My debt is about 9 years old.
I have contacted Chase XXXX first asked them to opt me out of increase of APR from increasing. They denied me. Then I asked them to help me decreasing my APR, while I try to save my mom 's life from XXXX, and they are not able to assist me. Chase wants me to go past due before they will help me. I told chase I am going to XXXX to say good bye to my mom, and coming back to refinance my house to pay them off, and they can care less. They want dings on my credit, so I can be denied my refinance. They are going to force me to file for bankruptcy and I DO NOT want to do this. Please help me during this struggling time. 


XXXX XXXX
I had gotten a loan through Wells Fargo : America Service Company. Suddenly every XXXX, I had to pay an extra XXXX. I called for information why. No Answer. I had to pay XXXX insurances on my home. I called asked why. no answer. After that I started t o call for loan modification and nothing. I was not behind on my loans at all. Suddenly, someone appears to ask me do I need assistance. I got assistance but I feel it was purposely set up by Wells Fargo because all the problems I had with Wells Fargo he fixed. So I thought I could trust this man. I got XXXX loan modifications but they were XXXX denied by Wells Fargo with lies. My main target is Wells Fargo setting me up because I was always on time until I met XXXX XXXX. :
Virtually the exact same problem as the post from XXXX 2016 from a different person. " XXXX XXXX XXXX, XXXX a collection company formed in -/-/- invests in distressed - loan mortgages caused by the collapse of the housing bubble in -/-/-. Because our home was over - underwater - - - through " Making Homes Affordable Program '' helped us keep our home by charging off our - loan and restructuring our - loan including escrow fees, taxes, and insurance which we have been paying down and remain current to this day. Nearly a decade later, XXXX has found a way to capitalize on the recovering housing market by picking up written off - loan mortgages at pennies on the dollar and foreclosing on people 's homes unless the homeowner pays them outrageous and unreasonable profits. Although their websites states they achieve their success by " building relationships and working closely with homeowners through a variety of workout options including modifications and settlements '' this statement could not be further from the truth. XXXX 's MO is to bully the homeowner into paying the full unpaid balance plus ALL interest or suffer foreclosure. They lull you into thinking they 'll work with you by initially offering a modification or a reasonable settlement but it 's resolve this matter because it was in their best interest to do so. I blame - - - for falsely leading us to believe we received a principal reduction and XXXX XXXX XXXX, XXXX for remaining dormant by intentionally failing to notify us over all these years for the purpose of maximizing their profits at the expense of the unsuspecting homeowner. Not to mention they have a HUGE problem with the chain of assignment as the assignment deed of transfer documents purporting lawful assignment and thus lawful standing to foreclose appear fraudulent and incorrectly dated rendering standing and the security instrument VOID under the law. With all the improprieties in the chain of assignment and it 's execution they still assert lawful standing yet fail to produce an original note. As a law abiding homeowner we are left with no choice but to defend our only family asset in legal court system. We have invested 11 years on paying this home down, investing our hard earned money on repairs and up keep, on improvements just to let our home go into the hands of these unethical debt collectors. Most homeowners do n't have the money to contest these wrongful foreclosures in court and XXXX knows that which is how they get away with their. They need to be STOPPED! ''
On XXXX 2017 I received a offer from american express for a Delta SkyMiles credit card. The promotion said use the credit card to make a travel with Delta Skymiles and I will received XXXX $ of credit in my Account. Unfortunately, after 5 month I do n't received my credit and now in my account I must to pay this balance.
My bank account, savings, checking, as well as a credit Account had an address change that was unauthorized. I immediately called Fifth Third call center and spoke to XXXX to be told my account address was changed via the phone. I asked to freeze accounts but could not be done on the phone so I went to the branch. The address was changed on my account by a person by the name of XXXX XXXX but why would that be in the bank notes and why would the bank allow another person to change account address??? I asked why the address would have been changed all they could tell me it was done on the phone. What? And what about multi faceted questions to check account holder??? HELP!!! My bank statement may have gone to this new XXXX address they could not tell me if that happened
I opened a  Checking and Savings Acc ount with Bank of America.     A few days after the accounts where opened I deposited money in both accounts. A day later I tried to access the accounts by logging in online and access was denied. I was told when I called the risk department the bank decided not to do business with me and the accounts were closed.     I was also told during that call that I would need to go to the local branch to get my money back. I went to the local branch and I was told they couldnt give my money back because they dont have access to closed accounts and the risk department should have told me they would mail the funds back to me.   In the meantime, I keep getting new account information from Bank of America regarding the opening of the accounts ( see attached document ). But no mention of the money they are attempting to steal.     I have attached documents showing the money is there and I would like my funds mailed back to me ASAP ...