WillisBack/dataset-financial-user-claim huggingface dataset:
We took out a loan with First Hawaiian Bank for 36 months. Because we paid monthly onetime periodically we were offered a deferred payment option as a gift for paying on time. Particularly this was given around XXXX. This was promoted as a good opportunity for the customer but as it turned out this was a tactic for the bank to charge us another year of payments and thereby charge another $ XXXX thereafter because they charged interest everyday on the balance when deferment was offered. This is a deceptive business practice whereby the bank gives the impression the payment will be collected at the end of the 36 months when in all actuality they are charging interest daily which means the customer ultimately pays XXXX the cost of the original loan. This is a unethical business practice whereby the bank can extort extra charges, interest and fees against customers with a good payment history. This is very deceptive how the calculate the added interest opposed to added the deferred payment to the end which already includes the interest when the payment would have been paid. Shame on FHB.
I have emailed before about my situation with Residential Credit Solutions. My loan was discharged in a chapter XXXX and I had questions about how it was handled. I filed a Chapter XXXX but the Trustee changed it to a Chapter XXXX that stated all my debts were discharged. I questioned my mortgage and the Chapter XXXX discharge. After you contacted them, they responded. They sent a letter stating that the reason my loan amount is still the same is because I did not reaffirm it. The documentation that they sent me was incorrect because it stated that my loan was transferred to XXXX XXXX XXXX on the same date that XXXX XXXX XXXX said that they transferred my mortgage to Residential Credit Solution. I spoke with a representative from XXXX who faxed me the documents showing the transfer. I have never death with XXXX or heard of them before I received that letter. After the transfer from XXXX XXXX XXXX, my mortgage payments were made from XXXX to Residential Credit Solution. That was the first time I saw the letter that they said they sent XX/XX/XXXX. Since I am XXXX, I took the information to JAG, Judge Advocate General for the military, and they suggested I get a lawyer. I sent them an email, after not being able to get in touch with them, to let them know I went to JAG and will get back with them. Shortly after that, I received a letter stating that as of XXXX XXXX, XXXX my loan will be transferred to XXXX XXXX XXXX, ( XXXX ) XXXX. They were suppose to be working on a modification, which I did not hear anything about it other than that they received it. I still do not know if it was transferred with a modification or what is the true status of my mortgage. How do you transfer a mortgage in the middle of a modification withour a decision? Should n't I have been notified about the modification results prior to transferring it to XXXX XXXX XXXX? I still feel that my loan was handled in a less than on the up and up by Residential Credit Solutions. I am now in a financial position to make my monthly payments. I do not want to lose my home to XXXX XXXX XXXX, in foreclosure, because it was transferred without a modification decision. Please if I am experiencing this, I am sure others have experience this also. I have lived in my home for twenty one years and do not want to lose it. I do n't think mortgage companies should be allowed to do what they please when you are trying to save your home.
XXXX and Credit Service of Logan contacted me seeking payment of a debt without the source documents. I asked for the documents and neither company could produce them. Instead they produced an old contract from XX/XX/2011 which had been cancelled. If this were indeed the source document, then It would indicate that XXXX has been overbilling me for over 5 years by $ XXXX. I have contacted both companies and they fail to resolve the issue or produce the appropriate documents.
I have XXXX XXXX going back to XX/XX/XXXX. I went to XXXX XXXX XXXX in XXXX Texas to the XXXX room. I had my XXXX removed. I have told them to code the bill properly to the hospitals and the XXXX different collection agencies. I 'm not paying out of pocket for the rest of the treatments. I have insurance. Optmium Outcomes has repeatedly called me on my phone and ignored the stop all contact letter sent on XXXX XXXX, XX/XX/XXXX certified mail # XXXX. XXXX the bill correctly or XXXX. My insurance premiums are taken out of my check every month. This has been ongoing for 2 years.
1 ) Before I went into repayment, I made a payment online ( {$2100.00} on XXXX/XXXX/XXXX ) and designated it go towards the 2 loans with the highest interest rate. The next month I checked and the loans still showed 'active ' but the payment was received. A month after that, I checked again and saw the funds were NOT applied to the loans designated for the money to go towards, but the entire balance. I DO have a screen shot of my payment and the loans it was designated towards as well as the confirmation number. I called Navient and they said someone would call me back regarding this matter, and as of 4 weeks later, nobody has contacted me. Navient purposely makes it hard to repay your loans, because if I pay the highest interest first, they do not make as much money. I will share any correspondence that I have an am interested in joining any lawsuit against them that pertains to misappropriation of payments made. 

2 ) Became unemployed XXXX/XXXX/XXXX and was told I was approved for deferment, received a letter and an email. I received a bill in the mail with a balance due, so I called and was told that I was on deferment, and that I needed to do nothing. I then have been receiving calls, and when I called back I was told that I need to provide proof of unemployment. I have been out of work for 3 months, and have been accruing fees because of non payment. Online, 2 loans show they are past due and need payment, and the rest are " payment due '' but have not been placed on deferment or forbearance. I was not told that I had to upload any documents, but when I called she let me know. Today I uploaded the UI document, and received a pop up message that my account will be updated in 10 days. I will wait and see, I guess. 

Navient needs to be held accountable for their illegal actions. Had I not checked or had a screen shot of my payment showing the loans I designated for payment, they would get away with it. This probably happens more often than not, and with the current financial aid repayment climate, this needs to be stopped immediately. The 6.8 % loans that I paid off would have an impact on the total that I would pay off in interest
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further  unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
I have a complaint against Nationstar Mortgage. I had applied for a HAMP modification Loan in XX/XX/2016 only to find that the application was pulled in XX/XX/2016. I did not find this out till XX/XX/2016 after I called them and was told over the phone that the loan application was pulled. The person on the phone could not tell me why it was pulled. He did tell me that there was a note in my file that the property was condemned. My home is in the process of being rebuilt after Superstorm XXXX. In XX/XX/XXXX when they pulled my application, the structure was already built on piles. The siding and roof on, as well as the doors and windows in. Neither the township nor the county I live in is going to condemn a new house being built with a state HUD Grant under the NJ RREM program. Nationstar had to have made this determination that the property was condemned. I do n't know if this had anything to do with the pulling of the application, because I never received any form of communication that it was being pulled. Can a mortgage company decide to pull your HAMP modification loan application without giving you notice that it is being done? Or without giving an explanation as to why? I had just learned that XXXX had filed on XX/XX/2016 to foreclose on the property.
I filed for bankruptcy in XXXX when I was forced to close my business. My bankruptcy has since been cleared from all of the National Credit Reporting Bureaus, however, Honda Financial continues to report an adverse item of information by using verbiage in a comment field that states Reaffirmation of debt. Although accurate, reporting this adverse item of information directly violates FCRA 605 ( a ) ( 5 ) that prohibits reporting of Any other adverse item of information which antedates the report by more than seven years. 

I initiated dispute with XXXX XXXX and American Honda Financial in XX/XX/XXXX and have continuously disputed this item for over a year. The account in question was for an auto lease that was paid in full ( early, XX/XX/XXXX ), never late, never derogatory. I requested and received two documents from American Honda stating this truth and sent these via certified mail to XXXX along with a dispute letter. 

Because of the comment furnished by American Honda Financial, XXXX XXXX extrapolates, derives, and expands on this information to include, but not limited to the following : XXXX XXXX has and continues to report the account as derogatory in direct violation of FCRA 605 ( a ) ( 5 ) cited above. 
XXXX XXXX continues to report a bankruptcy on my consumer file in violation of FCRA 605. [ 15 U.S.C. 1681c ] that states " ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
As a consequence of this adverse reporting, XXXX XXXX has and continues to furnish a credit score that is 30-40 points below scores reported by both XXXX and XXXX. 
By furnishing this adverse information in violation of the FCRA, I will attest that both XXXX XXXX and American Honda Financial together have failed to comply with the purpose and the spirit of the FCRA in whole that states the following : 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports  directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
I did n't have a cell phone with XXXX. I was XXXX during that time and could not have had a phone
Five cards apparently fell from my wallet last Wed XX/XX/XXXX. I was notified first by XXXX ( XXXX   Mastercard ) that a transaction for {$4500.00} was attempted. They asked if I had the card ... and at that time I realized I did not. I noticed I was missing the five cards.. ( four credit cards and my Fidelity Debit card . The perp attempted with all four cards this transaction.. {$4500.00} ... at the XXXX store here at XXXX XXXX . All were rejected. Then they used my Fidelity VISA debit card ... without my pin.. ( apparently as a " credit card '' and the transaction cleared ... debiting the amount from my checking account. They then took the card to XXXX XXXX and made two additional purchases ..about $ 2K additional. 

So I am out over $ 6K now ... from a card I thought was supposed to be protected by my pin ... but was not. So that is my first issue. 

Then when I call the number on the card I am directed to the Fidelity Card Services team..they route me to the fraud department, that tells me that they will investigate and get back to me by mail in " 8 to 10 business days '' with a decision. 

I am concerned that this is not at all what I expect from the VISA brand and so search " Visa Debit liability '' .. and get this page from VISA assuring me that I should have no worries and that the financial institution will replace the funds within five days. 

XXXX XXXX XXXX This is directly counter to the " 8 - 10 business days '' that Fidelity 's team quotes me. I call back each vendor ... Fidelity shared that this is not their issue., that if I see this on Visa 's page I should take it up with Visa. Visa call center rep tells me that the page is not " false advertising as there is a phrase " for specific limits, consult your issuer '', at the bottom of the page. I am incredulous that he would make this statement ... as Fidelity is a major issuer ... so the rest of the claims on this page are patently false!

Please correct the false advertising of VISA ..and/or ensure that Fidelity step up it's service level to match what VISA is conveying as their expected service level. This is clearly deceptive advertising by both and a great dis-service to a once loyal customer to both firms.
I was going through a modification with my previous servicer XXXX XXXX. I applied for the modification a year ago. The communication was horrible. I was lied to several times and told the modification would be completed the next month. I would call the next month and was told it was still processing and to call again the next month. Recently I found out that my loan was transferred to Shell point mortgage and XXXX reported late payments to the credit bureau. I was told during the modification process, no late payments would be reported. I was entered into the modification due to the hurricane in XX/XX/XXXX and falling behind on my bills because I had to evacuate. My payments were deferred XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I resumed making payments. The communication about the deferremenr was terrible and never explained to me properly. I was eventually sent paperwork to modify my mortgage payment in XX/XX/XXXX and completed it. All of XX/XX/XXXX I was given the run around. Never a straight answer on when it would be completed and at what stage in the process it was in. Now my loan was transferred to Shellpoint mortgage and I'm being told that they aren't accepting my payment due to the stage it's in and returned my payment. I was told nothing would change when transferred over but that seems to be more false information given by XXXX. I'm fearing that shellpoint will report late payments or that this will cause an even further delay with the modification That has been in process at this point almost a year
i attempted to obtain a free annual credit report from the XXXX reporting services via the website : XXXX. No problem with XXXX. XXXX required a written application be mailed to them and Transunion steered me to a new page or website where I was not allowed to proceed without subscribing to a service which required me to pay an initial fee of {$1.00} for the report ( {$0.00} for my " score '' ) and further agreeing to and paying a recurring charge of approximately {$18.00}. It is my belief that I am entitled under the law to a FREE credit report. why is TransUnion being permitted to violate the law with this deceptive practice? Please remedy this violation and require them to send me a free credit report as soon as possible.
Experian has reinserted a removed item from my credit report without notifying me in writing within the five business days required which is in violation of the FCRA, ( A ) ( 5 ) ( B ), which carries a fine of XXXX.
In the past few days I received a notice as seen as attached shows my equity line of credit all of a sudden for NO reason is changing my account number. There is no reason for this change in this notice and I am Very concerned of the unmentioned reason. Whereas I hav e a Superior Court c omplaint against my primary mortgage and am struggling with the primary mortgage loan meaning my fight in court. I am grossly concerned as to of why and or if this account number change in just days, on this other loan with Chase Bank  may  Possibly have something to do with my court complaint. Can the CFPB look into this account number change if it is legal? or some hidden intent to affect my legal complaint against Chase Bank with my primary loan? or cause me some financially related problems ahead in any way shape or form? I have noticed on my primary loan whenever there is an update of any kind it many times causes me problems, or something turns out to be wrong.
This complaint is regarding the recent Equifax Security Breach that I was made aware of in news media on XXXX XXXX, 2017. My understanding of the situation is that " hackers '' compromised the Equifax systems, potentially exposing personal financial and other information ( including social security numbers, credit card information, and other personal details ) for a large number of people. I used the feature on the Equifax website ( https : //www.equifaxsecurity2017.com ) on this same day which informed me that " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I am not satisfied with this outcome, as it provides no actionable information to inform me of my vulnerability or to protect my financial and identity information. I have also placed a fraud alert on my credit monitoring.
Chase Bank has contacted me 3 times every day from phone number XXXX for the past week in an attempt to collect debts after being told not to keep calling.
Trying to collect a debt that the statute of limitations has run out on. 
calling and threatening to sue. 
harassing phone call to work number, home phone, personal cell phone, wife 's personal cell phone. 
they use at least XXXX different phone line numbers
Wells Fargo was allowing my debit card purchases to go through even with insufficient funds and then charging me a fee. Rather than declining my card at the point of purchase. I was told it was due to the service being on my account. I called Wells Fargo customer service on XXXX/XXXX/2016 to remove " overdraft service '' from my account. I was partially refunded my overdraft fees during the previous billing cycle. I was also assured my card would be declined on any further purchase attempts when insufficient funds were present. I made it very clear to representative that I was switching banks and that if any other charges hit my account to deny and not pay them. I was assured this would be taken care of. Since this conversation with Wells Fargo, they have hit my account for XXXX overdraft fees for charges they did not even pay.
I fell behind on making Seterus mortgage payment. I made arrangements to add additional money to my monthly payments. I noticed additional fees. I expected late charges but was billed for such things as inspections, title searches, etc. I called to find out my all my extra payments were going to a " suspense '' account and not the arrearage, and to determine the remaining arrearage. I have paid in excess of {$200.00} over the balance they stated as evidenced by online banking however my arrearage is not closed and no one at Seterus can provide me answers. I 've asked for a breakdown as to how they have applied the payments numerous times and still have not received anything. 

I would think the " suspense '' account would be illegal. I pay in extra money expecting it to go against the arrearage, It sits in this mysterious account earning Seterus interest and not being applied toward my account until it reaches the normal monthly payment. 

I want to review the extra fees and how my money was applied and all I get is ignored.
I fell behind in my mortgage payments and was contacted last XXXX by a credit associate with my mortgage company. She assisted me in beginning the modification program. Once I began the process, my associate was changed. I have now submitted the modification paperwork no less than 6 ( six ) times since XXXX, and each time there is a reason why the modification can not be completed. The most recent time I submitted the documents, I double and triple checked the paperwork to be sure that it was accurate, complete, and signed in black. It was. Once I contacted the mortgage company ( my rep does not follow-up on her accounts ) this morning, I was informed that the paperwork was missing the Compliance Agreement page. I vehemently disagreed and asked to speak to the manager. The manager was also unable to verbalize a resolution that was acceptable, and said that he would contact me Monday, as the Modification department did not work weekends. 
Once I was able to review the copies that I had made of the documents that I sent to the mortgage company, I realized that either someone in the scanning department deliberately left a page out, or whoever received the document discarded or 'lost ' the Compliance Agreement ' page. This process has been going on for seven months. I think the mortgage company wants me to not complete modification and to leave my home.
Using CFPB I sent a letter for the company to validate debt in my name on XXXX XXXX,2017. I asked for company verifying information and information that show I have to do business with the company. They only sent statements and information that they purchase debt in my name. That does not show I am obligated to do business with them. They are also reporting negative information on my credit report, without giving me the opportunity to dispute. I do n't know if I am suppose to to pay the dept and they are already putting negative information on me without setting the dispute first.