WillisBack/dataset-financial-user-claim huggingface dataset:
We are in the process of negotiating a Short Sale for the sale of a property. This process has been going on since XX/XX/2016. There has been a huge lack of communication between the banks assigned relationship manager and myself as he does not notify when something is needed or return my phone calls. I have spoke with numerous supervisors and managers over the last 5 months and have made no progress whatsoever and the same relationship manager is assigned to the file. Over the last 5 months, we have submitted and re-submitted the bank requested bank statements several times as the bank took 3 months to realize that the bank account had transferred over to a new bank with a new account number, even though this has been explained to them on several occasions. We have attempted to escalate the file 4 times and still have made no progress. After confirming with a supervisor on several occasions that no other documents were needed, a new request was made for additional documents. However, no one reaches out to advise us of the additional document and some requests sat for almost weeks until a phone call was made by us to them. Now, they are requesting additional bank statements for over-draft accounts that are no longer in use. They have requested 3 BPO 's as the others keep expiring due to the lack of communication. A notice of default has now been sent to the homeowners and we are still nowhere near getting this Short Sale approved and closed.
I recently refinanced my home mortgage. The payoff exceeded the balance of the note by {$2000.00}. The loan paid off was serviced by Round Point Mortgage Servicing Corporation. The loan was paid in full on XXXX/XXXX/2015. As of today I have not received the balance of the overpayment nor have i received a date as to when I will receive my funds. I have spoken to RPM 's customer service and have yet to be the beneficiary of any of their promises.
Someone opened several credit cards under my name. XXXX XXXX appeared twice on my credit report. I disputed the items and XXXX XXXX sent a letter indicating they removed the items from my credit report. 2 weeks later I received a letter from XXXX XXXX stating they sold the account to XXXX XXXX and I would have to follow up with Portfolio Recovery. I called XXXX XXXX and they have been impossible to obtain information, I then submitted the dispute with the credit bureaus and have not received any assistance on removing inaccurate information from my credit report.
Several of my accounts as well as my information was compromised back a couple of years ago without my knowledge. By the time I realized what was going, the account was sold off to a third party collection agencies so therefore, the damage was already done. I reached out to Target Bank on several occasions trying to get information regarding the account so that I could determine it was truly my debt and all they replied with was that we no longer service this account. Therefore, I requested my credit report and contacted the collection agency XXXX XXXX requesting advising them that I believe this account had fraudulent activities on it prior to it being sold. I also asked them to provide me with copies of all activity including the transaction history so that I could review it. They stated they would provide it but I never heard back from them nor did I receive anything. I even tried reaching out to Target requesting to speak with someone in their fraud/resolution department and all they reply with is that you have the put the request in writing in which I already have but never received a response.
per XXXX credit report : XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX opened XX/XX/XXXX, closed XX/XX/XXXX highest balance {$890.00} passed due : 90-119 days late balance : {$0.00} I have no idea what card this is. I have n't been late with a credit payment in over 25 years. Please review my credit report. I take paying bills very seriously. I do n't know how this would have occurred. Thank you!
Is about bsi financial service they dont do mortgage modificatin and iam loosing my house. I been here for 12 years also my friend XXXX had been leaving w me i file bankruptcy i been paying since XXXX but XXXX sold it to bsi finamcial
On Thursday  XX/XX/XXXX  I visited the local Wells Fargo branch in  XXXX , VA with the intent of completing a routine deposit transaction. The teller assisting me stated she was unable to deposit the check because it was made out to an individual and this was a business account. I asked the teller to review the account because the check has been deposited several times she became combative and said NO I dont need to. She proceeded to say " try  XXXX  where you belong '' I asked for the manager  XXXX  came over and nonchalantly said we ca n't help you. I asked for his manager, he replied " your wasting your time '' and he will not be available until after  XXXX . I insisted to obtain the information, he laughed and walked away. I took a seat in the lobby waiting over 15mins for him to return with the information. Upon returning without the information he asked if I ran " 1 of those home health care businesses '' I replied no and asked for the information again. He did not provide the information and stated they can not assist people like me. I have never felt more disrespected, and discriminated against.
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How can your complaint be satisfactorily addressed?
Have the check and transaction reviewed and accepted as it has in the past. The entire branch staff needs training on discrimination and check deposit policies.
Called friends and family members claiming the would call my work, and legal action would be taken if unspecified date was not paid.
my husband was involved in a XXXX XXXX collision and hospitalized. we lost his income for 30 days. Durring that time all I could cover was our mortgage and utilities. I explained the situation and they continued to call me each hour on the hour while I was at work. They demanded to know who my employer was and threatened to call my boss. they told me if I didn't pay they would garnish my wages. I made a payment over the phone totaling {$310.00} so they would leave me alone. Then I had to go to a food shelf because that was all the money me and my husband had. They are a scam. 

when XXXX XXXX offered me their credit card at the register, I thought it was a real XXXX XXXX credit card. Instead I got this card from XXXX. They tripled my payment within 6 months. It is a complete scam. 

I am working through a debt management plan and they refuse to work with me. They told me I should file bankruptcy because unless I do they are going to get their money from me.
For approximately the previous month I have been working with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to remove an account from my Trans-Union Credit Report. Today 9/24/2017, approximately XXXX CST, I called the customer service line for transunion. Initially I spoke with a gentleman who identified himself as " XXXX '' an alias used by the XXXX, XXXX Call Center for Transunion/XXXX. XXXX transferred me to " XXXX XXXX '' another alias working in the country of XXXX as well. XXXX refused to provide an operator ID, Refused to identify which city the call center is located within XXXX, refused to answer basic question about the company or Transunion as a corporation. When XXXX got on the line she said only, " this is XXXX, I 'm a supervisor ... '' I asked what company she was employed by, and XXXX refused to even identify her employer. Based on Transunion 's website the information should have been : TransUnion XXXX XXXX ( Formerly : XXXX XXXX XXXX ( XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX - XXXX Tel : XXXX XXXX XXXX XXXX XXXX XXXX.
But the operator refused to identify any information. XXXX also advised she could not transfer me to a U.S. based call-center. My call was originally about the mis-reporting of a closed account by Transunion but has now, following my interaction with the third party call-center for Transunion, makes me concerned the alleged representative may have ill-intent. With the current climate and the bureaus breaching the trust of millions of individuals the idea of speaking with anyone who can not answer generally searchable information about their alleged company makes seems like a major red flag.
I have a Mortgage with Penny Mac and I have been paying escrow they have been pocketing my money and not paying my insurance. I got a call from my insurance agent stating that my insurance was cancelled for non payment.
I have repeatedly stated that I have been a victim of fraud. I sent copies of my ID info ( ss #, Birthday, and Drivers License, etc. ) requested that the credit reporting agency remove the various unauthorized inquiries and even a couple of accounts that I did not secure from my report. They have simply asked that I contact the original inquirer and ask them to remove. A a citizen I have the right to have only accurate credit reporting.
XXXX XXXX XXXX XXXX - XXXX ( continued to report this account as mine when it is not. I contacted Better Business and they reached out to XXXX and XXXX XXXX contacted credit agency to delete, but the account contiues to show up on my reports ) XXXX XXXX XXXX - XXXX ; XXXX ; XXXX ( These accounts are all inaccurate and I sent copies of my ID info to Credit Agency to delete these three account. three weeks later they just tell me that they have all been verified. It 's impossible to verify false accounts. I do not own a XXXX XXXX XXXX nor have had THREE XXXX in the past year. The credit agencies are not giving my accounts the attention needed since I have filed ID theft claims.
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Inquiries : XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ; XX/XX/XXXX- XXXX  XXXX XXXX XXXX ; XX/XX/XXXX- XXXX XXXX ; XX/XX/XXXX- XXXX  ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX - XXXX ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX - 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/XXXX - XXXX XXXX XXXX  ;XX/XX/XXXX XXXX ;XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX- XX/XX/XXXX ; XXXX XXXX XXXX & XX/XX/XXXX; XXXX - XXXX XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX -XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ( this bank called me and I told them I did not authorize and they still have this inquiry on my credit ) ; XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Continuously contacting me at my place of employment. Harrassing calls all day. Company - AmerAssist Turnaround Management
While Bank of America has a right to extend or withdrawal a credit line at their leisure. I find their business practice to reduce a {$9000.00} credit line to {$500.00} on a perfect payment history and sufficient income to meed internal fiscal goals and lay a bogus claim that I 'm not a good risk with an average credit score and average spending and borrowing habits very concerning. Their action while it may server their purpose whatever that might be affects my credit rating, a rating I 've been working on for a long time to establish in a purley positive direction. Their action will take up to XXXX points on my score while they used me to meet their repayment of TARP and now that they do n't need to they are " reducing risk. '' I opened this card with a {$2000.00} credit line and they freely gave a line of {$9000.00}. To reduce my total credit line with the bank to {$500.00} from a total of {$14000.00} across XXXX cards because I take out a loan and close all but XXXX revolving lines does n't make sense to me. If I want to pay XXXX a month on debt and I have the income to do it that 's my perogative. The questions asked in the credit determination were insufficient to make an accurate determination. I gave my loan payment amount monthly. I gave my current monthly liquid assets and answered questions about my lines of credit. The man, XXXX made some rediculus comment about the unsecured ammount lent to me was too high ( as if people do n't have loans 4 times larger than their income with houses, cars, school etc. that even some secured they often do n't recoup anywhere near the full investment amount ). Yet here I am with a perfect payment history, sufficient income to exceed all my minimum payment requirements after all bills paid monthly for at least a total of about {$50000.00} of average interest and this man wants to say that he can only safely make money off of me with a {$500.00} credit line. I told him that I would stop using the bank and was going to cancel the card and he did n't care. So I am in the process of switching banks and will keep the card at {$0.00} only because it serves my length of credit history on open accounts reported. But they will not make money off my money. Whatever they are doing is not with the consumer in mind and this disruptive business practice that affects credit scores and financial planning is a shame, I do n't even see how it serves them other than they are trying to increase their credit rating and manipulate their reporting numbers. While what they do might be legal it is suspicious and should be looked into as to what their lending strategy is if they ar n't trying to make money off of interest from the cards and why a consumer product is not with the consumer in mind.
Ability Recovery Services is a debt collection Agency, located at XXXX XXXX XXXX, XXXX, XXXX or XXXX. XXXX XXXX in XXXX, XXXX, XXXX. The collect for XXXX XXXX located in XXXX The XXXX XXXX XXXX XXXX XXXX, GA XXXX. Sometime last year 2017 around XXXX, I was considering attending XXXX XXXX for their travel program. My mom got deathly ill and I never started. Well I received a bill from Ability stating that I owed {$800.00} ( and some change ) to them on behalf of XXXX. I told them I never started so I did not owe anything. They said since I didnt cancell, I owed but I could settle for {$310.00}. So I paid the {$310.00} on XX/XX/XXXX ( which was before 30 days ), so it would not go on my credit report. Once I received my credit report it showed I owed {$800.00}. I called Ability to ask them for a receipt to be sent to me via email to show I no longer owe any money on this account # XXXX. My account rep began to say he could not remove the {$800.00} off my credit report and lied to me that I would receive a paid receipt. Luckily I paid with a credit card and can show proof. He refused to update my credit report with the damaging information and was very nasty and rude and hung up on me. I have filed a dispute but am filing a report for fraud. I work in the legal capacity and this company should be shut down. A lot of complaints from others.
I have complained about this once before, when XXXX turned my account over to a collection company. They took the debt down and issued a letter deleted it from the credit bureaus. 

Once again I have a collection in the amount of XXXX From now a collection company called XXXX XXXX XXXX. 

I paid my XXXX bill and had the last payment in XX/XX/XXXX. It was a XXXX  balance. I ended the account because I was in a car accident. I sent the equipment back as well as got confirmation about this. 

The problem is that they are billing me when I had a long history of paying the bill. 
My bill was only {$70.00} a month. How they are figuring over {$500.00} is fraudulent. 

They have told me its because I got a charge for " early termination '', however, the final bill stated over the phone was around {$200.00}, and they waived the termination fee because I had a good reason not to continue the service. 

I have called XXXX over 50 times on this matter. I have filed complaints plus was promised by many management teams that this would be addressed. I sent faxes and made memos. They never do as promised. The representatives never know whats going on. I am not paying for a bill that is not warranted. For convergent to file this on my personal credit is against the law, against the Fair Credit Reporting Act. 

I have spoken to both companies and tried to resolve this but to no avail. I need this to come off my credit as it is affecting my livelihood and ability to obtain proper financing for my business.What they are doing is a crime. I was quoted by XXXX on chat as well as phone that my final bill was {$200.00}. 

The last payments I made was in XX/XX/XXXX, and It was a XXXX balance when I closed the account. My bill was only {$70.00} per month. For them to jump this up to $ XXXX {$700.00}? Is a crime. 

Please advise. 
Thank you XXXX XXXX  XXXX
On XXXX/XXXX/XXXX, I had a payment due for my credit card balance. I made the payment on the due date at around XXXX XXXX XXXX XXXX. As I was processing my payment online, I read a line that said my payment will not be posted until XXXX/XXXX/XXXX, therefore forcing me to be late. I immediately called Capitol One, spoke to an agent who said that I would be charged a late fee, and that she could not reverse that charge until it posts to my account, the next day. She instructed me to call back. I called back on XXXX/XXXX/XXXX @ XXXX ( et ). I spoke to XXXX in the customer service team, who said neither him or his supervisor had the authority to waive the {$25.00} late fee. I was transferred to a senior Account supervisor by the name of XXXX, ID # XXXX. XXXX stated that the computer did not give her the 'opportunity ' to waive the fee. I asked why, XXXX stated it just did n't give her the 'opportunity '. I then asked, under what circumstance or on what basis does the system not allow the 'opportunity ', as she called it, she gave no answer but continued to say 'it just does n't give me the opportunity '. She failed on several occasions to answer the question informatively to a consumer. I asked for a direct answer and she just refused due to her lack of knowledge on the matter. I informed her I was instructed from a representative on XXXX/XXXX/XXXX to call back and get the late fee waived of {$25.00}. XXXX gave no such concern nor emphasized with me as she robotically continued to say she could n't do anything for me in regards to waiving the late fee because the system did not allow her the 'opportunity '. I expressed my frustration and discontent with her and the company 's handling. I then politely asked for a XXXX, she refused to transfer or even provide a name or extension. Nearly 10 minutes in, she finally gave the name of a man named XXXX, ID # XXXX. then, told me that he would not help me. I again stressed to her what a former employee told me on XXXX/XXXX/XXXX. She cared none to seek proper resolution as to what I was promised by their company. The fact that capital one 'FORCES ' card holders to be late based upon a submission time of payment is outrageous. I was nearly an hour past a time, but still paid on my due date! I been with the company for a couple years now and expressed how I was looking for a one time waiver of a late fee. The company failed to enforce their prior verbal promise to me as a long time cardholder. I feel as though their representatives were resistant every step of the way to make right what was told to me, though they seen notes in my account of the same version of events I told them took place on XXXX/XXXX/XXXX. They were unsympathetic to the fact and as a long time customer, I find it disheartening. Should there be no amicable resolution from Capital One, I will look into cancelling my card soon.
I receivied a call from a representative from XXXX aka XXXX department last week stating that I owed them XXXX I responded to them that I had no service at XXXX XXXX XXXX XXXX XXXX NJ XXXX in XXXX 2016. 
The representative told me to pay it then dispute it. I kindly denied his request. 
Yesterday, I received a letter of collection from them.
I have been having a problem with XXXX since XXXX 2016. They REFUSE to acknowledge that I have properly sent them paperwork for an income based repayment plan. I have fax machine confirmations that the paperwork has been properly sent. Earlier this year I contacted them about this problem because they have falsely reported to credit reporting agencies that my account is delinquent. They put the loan into forbearance and gave me until XXXX to fax the paperwork again. I did this in XXXX. Now I have credit reporting agencies calling me again telling me that XXXX is once again reporting the account as delinquent despite having the paperwork they demanded. Once again, they say they never received it. The fax confirmation says otherwise. They are DESTROYING my credit report maliciously and without provocation. I have done everything I am supposed to do. They are doing this to millions of people, it 's why you 're already suing them.
Recently my family have been faced with unavoidable documented finacial hardships. My Wife " XXXX XXXX '' and I, informed Rise of our finicial hardship. We ask Rise to work with us and informed Rise of our goal to avoid Chapter XXXX bankruptcy and pay our finacial obligations. In order to avoid chapter XXXX bankruptcy we would need Risecredit to work out new repayment terms. We were unable to to Pay the Current 199 % rate on our loan and we were unable to Pay {$260.00} twice a month, which were deducted out of my bank account every pay day. 

I asked Rise credit for a copy of my loan agreement, and let Rise credit know my loan documents were taken off line and I did not have a copy of my loan agreement. 

I also let RiseCredit know I felt their lending falls within the guidelines predatory lending ... Do to the following at the time I applied for the loan ... 
My credit score was XXXX I am a Veteran in process of being a XXXX Veteran and they applied an excessive interest rate of 199 %. 
Rise has also threatened to sue me and refused to work with me. 
I have not been provided a copy of my loan agreement I have not recieved a default letter by mail nor e-mail Rise responded by, stating my account would be refered to an attorney and I would be sued for the remaining amount I owed on my loan. 
Rise refused to work with us in regards to our documented finacial hardship. 

Rise is refusing to work out an affordable repayment plan so I can avoid Chapter XXXX Bankrupsy by lowering my interestrate and montly payments. 
I feel taken advantage of by RiseCredit I feel RiseCredit took advantage of a Veteran who had a credit score of XXXX when I was provided a 199 % on my loan and with excessive payments {$260.00} twice monthy equals {$530.00} monthly. 

I will add I was never sent a default letter my email nor by mail, RiseCredit is forcing me into Chapter XXXX bankruptcy by refusing work out a repayment plan.
The buyers of our house were pre-approved by Wells Fargo ( XXXX XXXX XXXX XXXX XXXX, AK XXXX, Branch Manager XXXX XXXX XXXX phone ( XXXX ) XXXX ) and we entered contract with the buyers and their lender ( Wells Fargo ) to close the sale XX/XX/XXXX. When the sale did not close the XXXX ( violating the terms of the contract ) the lender blamed their client ( the buyers ) for not getting them information in a timely manner. We were informed by our real estate agent that Wells Fargo had all pertinent paperwork to close the sale on Monday, XX/XX/XXXX and that it went into final underwriting Friday, XXXX but it is still not closed, effecting our ability to pay for the loan on our new house. We have made multiple attempts through our agent to contact the lender. We were told various conflicting information about why they are in violation of the contract, including that the buyers sold their business mid-XXXX leading to them getting a new loan approval. Now, as the lenders it was their responsibility to inform their clients that they should not buy or sell anything large or do anything to affect their credit rating, but Wells Fargo was negligent, did not inform their client and then blamed said client to the process starting over. The buyers are also an immigrant couple with limited knowledge of the English language. I do not believe a translator was provided to them or an adequate attempts made to explain their rights and responsibilities in regards to their loan.