WillisBack/dataset-financial-user-claim huggingface dataset:
I had an original loan with XXXX bank.it then became XXXX XXXX bank. the loan was then old to Specialized Loan Servicing ( SLS ) in XXXX XXXX that is when the problem started. I had asked for a repayment plan for the {$1400.00} I was behind. XXXX bank told me all the paperwork for the repayment plan would be forwarded to XXXX. I have been waiting close to two years now for the re-payment plan. I missed another payment but they kept telling me to submit a packet of forms that were for re-finance. after at least XXXX packets, they still did nothing. they keep saying " we are reviewing the forms '' or we need more information. I never asked for a re-fnance. after waiting all this time, about a month or so ago they added on some type of " escrow fee '' for over {$5000.00}. then on my most recent bill they added even more.they gave no explanation for either of these fees. now the bill is over {$13000.00}. I have no explanation as to why. then a few days ago I received a letter saying I had thirty days to dispute the claim, they are trying to do a foreclosure. the back fees due according to them are about {$4000.00}. where they are coming up with over {$13000.00}, I have no idea. there was no prior letter sent. I only received XXXX letters saying I was being assigned a new case manager. 
no mention of foreclosure or why all these other fees were added to loan. I have equity in the house, so I am not understanding why they did not just add the overdue to the loan and refigure the payment amount. it was just that simple. 
I am not the only person having this problem with this loan company. I have the lawyers at XXXX XXXX XXXX, XXXX working on a class Action Lawsuit. there are many comp many complaints against this company. I hope someone stops them from doing this to people.
I came out of the rehabilitation program and my payment went from XXXX a month to XXXX which isnt financially possible right now. Well I got in touch with XXXX at Navient and he insisted he could enroll me in the income driven repayment plan so I sent him what he requested and filled out the application and I have heard nothing. In the meantime my forbearance time is almost up and my credit is going to take a serious hit.
I 'm trying to get a loan for a mortgage on a house and equifax is saying that the applicant ( me ) is blocked and are n't giving my credit report to the lender. It 's been  three  weeks and I 've faxed them all my information that they 've asked for which was my Ssn and id and they 've told me that all three times I 've sent it to them that they have n't received anything from me. The first time I faxed them was on the   XX/XX/XXXX   then  XX/XX/XXXX    then again on the   XX/XX/XXXX   and nothing has helped
I have spoken to mb on the phone for the pest 3 months I have been trying to resolve the late payment from credit bureaus being removed. 
I have been told over the phone from more then 1 employee that it will be removed from my credit report but it wasnt After trying for months I have been advised by legal advice to mail out the attached check See the dedails on the front memo and backs signature panel ( By depositing this check XXXX XXXX XXXX agrees to remove all late credit reporting from the 3 major Credit bureau
I borrowed {$2000.00} and some cents from Republic Finance , Inc. on XXXX/XXXX/XXXX and they added charges to this account of {$4900.00}. So I received another check totaling {$2000.00} and paid off the {$2000.00} and some cents on XXXX/XXXX/XXXX. This account was for two years and I paid the account off in one year. I made a payment in XXXX XXXX for on XXXX/XXXX/XXXX with the late charges. I made payments on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and these payment were not on record for {$130.00} which was the late charges also. The payments were for {$120.00}. The company stated that I borrowed {$2100.00} which was incorrect. I paid this account off on XXXX XXXX, XXXX but this was not a settlement. This account was not in collections. I was never told this. I informed them that I was paying this account off early and they put me in collections. I have a zero balance. If they told me at the time in paying off this account, this was a settlement, then I would not have done it. In the credit bureau they are showing XXXX for collection from XXXX to XXXX. I paid this account off a year earlier not in collection but paying off a revolving account. I want the XXXX taken off my account and 60 day past due for XXXX, XXXX, XXXX and XXXX. I received a letter later on XXXX/XXXX/XXXX that this was a settlement but they already had my check. I was not told at the time that this was a settlement and the account was in collection. I did not receive a XXXX on this settlement. This false information is ruining my credit until this date. Had I knew this would be put in the credit bureau as collection and incorrect dates of 60 days past due, I would not have let them deposited the check. I written the credit bureau and talked to a vice president but nothing changed.
We have short sale approval with US Bank that was good through XX/XX/XXXX. I found out that the buyer 's needed to receive their first month social security deposit to meet a funding condition and would not be able to close until XX/XX/XXXX. I was told by the negotiator on XX/XX/XXXX that the extension through XX/XX/XXXX would be allowed. However, I found out yesterday that he can not issue the extension because the foreclosure date is set for XX/XX/XXXX and US Bank is refusing to postpone the sale date. The buyers are already DEEPLY invested with the closing process include spent hundreds of dollars on appraisal and inspection and US Bank is being completely unreasonable especially after the fact they said an extension though XX/XX/XXXX would be allowed.
I have been denied to start gas service with XXXX XXXX Ohio. XXXX states that there is a freeze on my SSN by Experian. After contacting Experian SEVERAL times I am informed by Experian that there is NO FREEZE on my SSN. I have written, emailed, and called both Experian and XXXX to no avail. Response from XXXX is I can not start service with a freeze. Response from Experian is that I do not have a freeze. It is totally impossible to speak with a person at Experian. XXXX will not discuss anything further with me until the freeze is lifted. I have not received any responses to my letters or requests from Experian.
Dear Sir/Madam from Consumer Financial Protection Bureau : Please reopen my Case No. XXXX-XXXX. Please refer to the letter below : Dear Sir or Madam : The information in Shellpoint answer to my original request and/or complaint has a lot of misinformation coming from Shellpoint that is why I sent the second complaint to make the information to you since you, The Consumer Financial Protection Bureau, in order to open a new case to be properly reviewed by your Office and by Shellpoint/XXXX  XXXX XXXX/XXXX  and the right answers to my question including what happens to the excess money if XXXX sells the home for more than the amount required to pay back Shellpoint and XXXX  XXXX XXXX because you already closed down my original complaint or case. If CFPB allows Shellpoint to answer incorrectly and incomplete information then where can consumers like us go to for help? I would just like to appeal to people with reasonable and logical way of approach for the best solution that will be most beneficial to all. Please note that XXXX  XXXX XXXX and XXXX did my family a great disservice and although the government penalized them for their mistakes or illegal practices, my family until now had suffered and affected by such practices. 

Please understand our plight and situation as the only request I have made is to give us the time and opportunity to properly sell the home in order that Shellpoint, XXXX XXXX XXXX, and XXXX XXXX XXXX will be paid properly. 

Again, we would like to know what happens with the extra money if during the trustee sale, the amount paid to XXXX is more than the $ XXXX+ amount required by Shellpoint and XXXX  XXXX XXXX because the current value of the home is {>= $1,000,000} to {>= $1,000,000}? 

Thank you very much for your help and quick reply. 

XXXX XXXX, Trustee of the XXXX XXXX XXXX
On XX/XX/XXXX, I called transunion as I had already pulled a credit report from XXXX and saw there was Inquiries on my credit multiple times that I did not recognize. I had reached out to these companies and they said that I am not on file anywhere to get ahold of the credit reporting agency that listed the inquires. I did so and spoke to XXXX XXXX  and he stated he could not help me. I asked for a supervisor and got a gentleman named XXXX and he stated he could not help me. So I am filing this complaint in hopes to get the inquires off that are not supposed to be there : XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX Thank you for your time.
XXXX XXXX XXXX. XX/XX/XXXX. {$290.00} XX/XX/XXXX - {$83.00}. 


I was telling them that how can you open something that is not even in Mississippi. These people are from north carolina. Is that even possible even though i am in Mississippi. I have never lived in north carolina so this cant be possible.
XXXX unknown collection account appeared on my credit from a company called Optimum Outcomes. I disputed all XXXX accounts with the credit bureaus and XXXX were removed. 

I have contacted Optimum Outcomes XXXX times by way of certified mail and they have totally ignored me. I dont know what the debt is for although on my credit report it say medical. I have full medical benefits. I have requested that they remove the account and contact me only in writing but they called my job. 

Optimum Outcomes XXXX
I 'm filing a complaint because of the lack of help and correspondences from Wells Fargo with regards to the home of my aunt and last living relative the now deceased XXXX XXXX XXXX in an effort to modify and assume her loan. As the assigned personal representative of the Estate XXXX XXXX XXXX XXXX, I have sent the requested documents and they keep saying that they never received it and then request the same documents over and over again stating that they never received them. I leave messages and they are not returned.
My original bank was taken over by First Citizens Bank based in XXXX NC. Since this was the second time my bank was taken over by another bank, I've been submitting my deposits by mail because my local branch was closed. I had several mailed in deposits work as expected. But on XX/XX/XXXX I mailed 6 personal checks and 1 business check to the same address, using the same deposit slips I had used previously, in one envelope. On XX/XX/XXXX I checked and those deposits still were not recorded in my personal or business checking account. I called to find out why and was assured they would show up soon. After I mailed the checks to their branch in XXXX, it was decided they would send them on to XXXX. That caused a delay. On XX/XX/XXXX, they sent a letter saying my 1 business check had been delayed because I used a deposit slip that didn't have their name on it. They ultimately processed it, but that was the cause of the delay. There was no communication about the 6 personal checks that were in the same envelope. I called many times, trying to get this resolved. I also communicated many times with their research department, via their website. I'll attach those conversations for your review. In one of my desperate phone calls a customer service person who refused to give me her name, assured me that if I faxed them the photocopies of the missing checks, they would process them, just as they do mobile deposits. I followed her instructions, followed up with more phone calls, and finally received a letter ( which I'll attach ), telling me this is mine to fix. I need to call each person that issued me the checks ( I don't even know these people and have no phone numbers for them ) and tell them they need to stop payment on those checks and issue new ones. First Citizens Bank have all the information they need to process these checks but refuse to do so. The letter from them was not even signed and didn't include any phone number for me to reply.
I am writing yet again because I am not sure what is going on with my Santander account. I called a couple of time last week and got a voicemail with a male voice. And when I finally do get a customer service rep, they hang up on me after verifying my credentials each time. This all confusing to me, until I finally got a male customer service rep on the phone one day last week by using another phone, my mother 's phone. I inquired about the deal I was given to pay off my loan as the result of my previous complaint.The rep said I had a hold or more likely a note on my account because I was part of a lawsuit against the company. I have made a complaint on this site but Iam not aware I was part of a lawsuit. I am just confused and tired after 9 years of paying for this never ending loan with it " misc '' charges that they have yet to clearly explain. I am just wanting to work something out that is not impossible for me. I was given the opportunity to pay $ XXXXin two weeks from when it was offered. I could not cough up {$1800.00} in two weeks. If I did I would have paid the minute I received the deal. However, I was simply calling to arrange another arrangement that would be feasible but as soon, but I have yet to get a call back when I left two or three messages. I had raised {$1000.00} so far and wanted to make payment and pay on the deal and have an extension to pay the rest but I no longer can get a person on the phone. I simply do not want to pay without confirming the deal but I have no idea what is going on, especially being marked as someone in a lawsuit against Santander. I am writing yet again because I am not sure what is going on with my Santander account. I called a couple of time last week and got a male voicemail. I have gotten customer service reps who have hang up on me after verifying my credentials. This confused me, until I finally got a male customer service rep on the phone last week. I inquired about the deal to pay off my loan as was the result of my previous complaint.The rep said I had a hold or more likely a note on my account because I was part of a lawsuit against Santander. This left me shock and confused. I do n't know if he was meant to tell me or not but it explained why I was not getting my calls back. And the only reason I did not pay the man that day is because he had no idea there was a deal. I could not provide confirmation of the letter because I was not home to get the saved copy off my computer. I will attach that letter. I just want a call back and to work out a deal to end this 9 year loan that is going into it 's tenth year soon.
We applied for auto insurance with XXXX XXXX. We were rejected and they sent us a letter explaining why and we see it has information that is not correct regarding one of our sons. There are 2 entries stating the same information unknown date, violation suspended license or other serious violation. We were on the phone with lexisnexis, XXXX - ID number XXXX. For over 2 hours. He could not find the violations being reported back to our current insurance or the XXXX. He said he can't fix it because he can't find it in the DMV file or credit report. He can not get us a supervisor manager or anyone. They refuse to fix send false information to agencies.
I made a payment to Discover for {$32.00} ( payment due date ) on XX/XX/ 2019. On XX/XX/2019 at XXXX XXXX I get a email from Discover stating that my account has been closed because of another collection account. So i call Discover that morning and spoke to a agent regarding the matter, and I was placed on hold while she spoke with her supervisor. Once back on the phone she informed me that I would have to give them 24 hours to look into the matter and to call back XXXX XXXX 2019 before XXXX XXXX. I called back on XX/XX/, 2019 and spoke to someone and was transferred from department to department ( given the run around ). I was once again told several times that my account was closed because of a previous account that has been charged off. I was then transferred to a supervisor which in turn transferred me to someone in another department named XXXX. Once XXXX got on the phone he ended up transferring me to some company called XXXX XXXX XXXX ( which does business with Discover ) and spoke to a lady there which placed me hold after getting my name and social. Once someone got back on the phone it was a male agent now, which asked me for the same information that the previous lady asked for ( name and social security number ) and he informed me that I am not showing up in his system and he cant help me ( company that handles Discover collection accounts ). so I called back to customer service and was connected to XXXX in XXXX Arizona which switched the story and told me that my account was closed because of Discover system ( a late payment ). I told her that she was giving me an excuse and her own opinion of why my account was closed and that I have spoken to several agents that made it clear why my account was closed. I was transferred to someone else and they gave me a phone number to another department and transferred me to that department. Once connected it was the right department after all ( after 8 different agents and 3 phone calls later ), and was told that my account was closed because of an account that had been charged off. But once investigated I was informed that the account in question whoever the person is has my first and last name, and date of birth but a different social security number and that I was right that the account is not mines.
I was dismayed after I ordered my XXXX XXXX and TransUnion credit reports and discovered that I was reported as having a late payment on the date below : 30 days late as of XXXX XXXX and 60 days late as of XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
XXXX XXXX XXXX, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of { {$13000.00} } with all 3 credit report agencies. I requested verification of the debt and account, however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods and services they have provided nor have they provided adequate proof. I should not be obligated to pay for the alleged debt. Thank you in advance.
On XX/XX/2016, I went to a local Chase bank in XXXX, NY to open a checking account. I spoke to a representative and opened a checking account. While I was there, I also inquired about a credit card. I was considering transferring my credit card balance from my current bank to Chase. I submitted an application and the employee instructed me that she was not able to transfer the entire balance onto a Chase credit card. 
After that, I told her I was not interested in getting the card since I could not transfer the entire balance. I explicitly told her that I did not want to open a Chase credit card and I only wanted to open the checking account. I signed to open the checking account but I did not sign for the credit card. 
The next day, I received a voicemail from the same employee telling me that she did not have the authority to cancel the credit card and that only I could cancel the credit card. She instructed me to call the Chase credit card department to make a cancellation. I then logged onto the Chase online banking application and saw that the employee opened the credit card in my name, after I instructed her not to. 
The next business day, I went into the same Chase bank and asked to speak to the bank manager. They told me the manager was not there and not available for any appointments. I then closed my accounts. When I voiced my concerns to the teller, she acted as if I was the one at fault and that I did n't understand how credit cards work. Without a doubt, Chase banks fraudulently opened a line of credit in my name. I would advise any future customers to take their business elsewhere.
Today, I applied online for a XXXX XXXX XXXX credit card. To complete the process I was required to call a toll-free number. A customer service representative reviewed my information and then asked for my social security number. I stated that I was advised never to give my social security number over the phone and I would never do so. I made three more calls and spoke to several other departments at XXXX XXXX, and got the same answer. They documented my remarks and said that they would refer them to a higher level and said my application was cancelled. I asked if the information I submitted online would be deleted and they said no. I told them I believe this is a violation of consumer rights and the practice should be stopped. No one should be required to give a social security number on the phone. And when an application is cancelled that information should be deleted from their database.
I applied for XXXX credit card online and was approved and given an account number however I received a letter in the mail stating they need more verification for the account that was approved I provided that verification fax my credit report shows it was checked by XXXX it shows I have an open account by XXXX  and after providing the verification requested they close the account which affects my credit report as well so my credit report was affected three times through a credit card application and XXXX refuses to do any repair basically they told me they made the mess and I have to clean it up.
Credit bureau will not delete XXXX account as they do not know who bought account it shows sold to another lender. This consumer sent a certified letter to all bureaus invoking my rights and the dispute shows nothing changed, debt collector unknown. If this cant be verified it must be deleted.
On XX/XX/XXXX I contacted XXXX @ the apartment complex I use to stay at names XXXX XXXX XXXX, she informed me that the complex name has changed I asked her about this alleged debt that is listed on my report and she stated that she has no idea that the files and 40 % of this business ( XXXX ) was purchased by a company called XXXX XXXX XXXX she then provided me with a new to XXXX which I spoke to a rep named XXXX. I asked XXXX about this alleged debt and wanting answers he proceed to say he has no idea about this debt and it was sold to a company called XXXX XXXX. I asked XXXX if my alleged debt was sold why am I being charged for something that was written off. He stated Im not sure you need to contact XXXX XXXX for answers ( I have recorded calls ). On XX/XX/XXXX I contacted XXXX XXXX and spoke with an rep named XXXX XXXX I asked him about my alleged debt and he couldnt provide me with any information concerning this debt the only thing he stated was documents are being mailed to you today. I also contact XXXX, XXXX and XXXX concerning this debt and I havent received a response!! This has been going on for 5 months are so.