WillisBack/dataset-financial-user-claim huggingface dataset:
I am very upset of the way Specialist Loan Servicing has handle my loan. First my income is always calculated wrong and the value of my property as well, I have paid for my own Appraisal to proof SLS that my home is severely under water. I am been forced to reapply every time, and is always the same decision. However I have my nephew as a contributor, and I have provided SLS many documents for proof of occupancy and still they keep requesting more documents every time. At this point I am more than sure that SLS does not have any intentions of helping me, instead SLS is prolonging may case making me fall more behind. I am tired of the fraudulent and deceptive practices SLS has used in order to denied me a modification. I am going trough so much stress and is affecting my health. My half-brother and nephew are the only source of income I have. I have provided their state id and tax returns and they both have my property address. Therefore I am hoping that SLS can finally finish the review and provide me with an affordable mortgage payment.
For three years, Navient/XXXX XXXX has put my loan of roughly {$40000.00} in a forbearance because my salary at that time barely reached {$23000.00} without giving me an option of a low repayment when I applied during those three years for the Income-Based Repayment plan. Now, I am at a new job that almost tripled my salary and when the time came in XX/XX/XXXX to reapply for my repayment plan, the only option it allowed me to select was IBR again, even though I knew it would be rejected and that I was ready to apply for the Graduated Repayment plan. So I reapplied for the IBR and the next thing I received a few weeks later was a summary of my loan and saying that once again, I owed nothing. All of the sudden, in the week of XX/XX/XXXX, I received a bill from Navient telling me that I owed {$460.00} by XX/XX/XXXX -- no prior warning and no reason given why. I called them immediately and they told me I was denied for the IBR, but I received no letter and no e-mail telling me this information and offering me to apply for a different plan. I told them to put me into the Graduated Repayment plan over the phone. A week later, I received a letter telling me the information of what my payments will now be over the timeline of the loan, but now, with my first payment due next week, I have yet to receive the bill. I 'm trying to buy a house in the next few years and I am concerned that since they are either not sending my important information and bills or delaying these items, it will cause me to hurt my credit score since they wo n't receive their payments on time. This is unfair to me, who has been repaying three other private loans the last four years and I have NEVER been late on a single payment.
I paid off my 2012 XXXX XXXX with XXXX XXXX. I did a Bank Transfer to XXXX the same way a paid my payments each Month. The money was deposited into their account on XXXX XXXX. They will not send me the Title to my car until XXXX. I gave them my XXXX number to overnight my Title and they refuse. They are paid in full. I want my Title. I sold the car and the buyer is really mad! He wants the car.
hello I'm paying for a car loan too much interest of XXXX dollars a month just a little less than 50 % goes to the balance of the loan or is of interest charge XXXX dollars I've been paying almost a year XXXX and my balance shows that I paid just XXXX dollars Thank you
To whom it may concern, U.S bank charged me for overdraft fees and are refusing to return them. I was on the phone with a banker on Monday XXXX XXXX at XXXX Pacific time. My account was not overdrawn and everything was well! On Tuesday XXXX XXXX, I received a call from the XXXX branch, checked my checking account and I have XXXX consecutive overdraft fees for funds that had not been processed the day before even though less than 24 hours before then my pending balances were evened out by the balance available. I went in to talk with them and I was told I can only get XXXX refund. This is not the first time something like this has happened but seriously this time has got to be the worst I have felt ( primarily because my XXXX other accounts with them had more than enough cash!!! ). This is such a rip off, their customer service representatives take no action towards this ( and apparently are not allowed to ) and honestly as petty as this sounds I am flabbergasted at how much this institution 's restrictions and process prove to be incompetent at times. If you know that your bank processes weekend charges much later than other banks then you also should delay on charging overdraft fees instead of ruining people 's financial planning.
Was called by agent at D2 management, I asked for an address after I was told this was an attempt to collect a debt, was hung up on the first time I asked for an address. The second time I called and asked, was put on hold for 5 minutes while the agent located the address then transferred to a supervisor " XXXX '' who was told I didnt need any information from this company and would not be provided an address. She then told me that she wants me to settle on a debt I am not familiar with. I asked her for documentation on the debt and was advised she could not send me any documentation in regards to this debt. I then advised I can not settle on a debt that I can not verify and disconnected the call.
sent in validation letter without them verifying the debt to me, they updated the account XX/XX/XXXX
Experian Credit Reporting Agency - Unable to place credit freeze. I have already mailed information, received credit report that I had already pulled online. Credit report number XXXX. Their system says this is invalid. I also found the last 4 digits of my social security number incorrect on report. I can not reach anybody and keep getting kicked out of their system. I only have online contacts or phone numbers that go nowhere.
I use a payment service to pay my bills ... Always have with pretty much no issues that could n't be resolved. 
I scheduled my ( XXXX ) payment for my Walmart card as I always do but apparently the payment was sent to Walmart a day late. I did n't realize that I was assessed ANOTHER late fee until I got ready to pay my new bill ( XXXX ) that came out. I went ahead and paid my bill ON TIME minus the late fee while disputing the fee with Walmart. After some back and forth they finally reversed the fee but at the same time assessed me ANOTHER late fee because I did n't pay they previous full amount. I explained to them that I was not obligated to pay an amount that was in dispute and they followed up with they ca n't fix it and that I have to pay the full amount. 
I find that not to be true and it to be unfair because of one discrepancy. Now I 'm getting collection calls for basically another late fee that I am refusing to pay. I have asked them to fix this situation to no avail.
This is my third complaint since I opened an account with ELoan ( three months ago ). The issue is with the interest that is compounded incorrectly each month and then transferred into my outside account. The interest for XX/XX/XXXX and XX/XX/XXXX was corrected in XX/XX/XXXX and documented in a letter to me from XXXX XXXX ( Customer Care Popular Community Bank ( no phone number or address on the letter ). The current issue is the XX/XX/XXXX interest which is short. I ca n't imagine any reason why a bank ca n't calculate the correct interest on an account unless they have their computers set to defraud their customers hoping they wo n't become aware of the discrepencies. XXXX XXXX informed me in his letter that I could not close the account ( the best resolution to the matter ) unless I accept the applicable penalties.
Dear CFPB, On XX/XX/XXXX, I have called Citi Bank to resolve issues in regards to late fees and interest posted on my account. I opened the Citi AAdvantage platinum select card in XX/XX/XXXX, and I have made a purchase of $XXXX on XX/XX/XXXX through a method of payment system in a convention center at XXXX XXXX where the payment was charged without my presence on-site. Normally, we provide our credit card information to the convention center before any trade show begins. Basically, I am not aware of whether there are charges or not on the Citi Platinum credit card. The only way I would know is if the banks send me a statement every month. I have credit cards with Citi Bank for over 10 years and I have so many other credit cards with other banks for over 15 years, and I have never made a single late payment because I always receive a statement. However, I have never ever received an e-statement or paper statement from Citi Bank for this Citi AAdvantage platinum select card. Since this is a new card that I applied in XX/XX/XXXX, I did not have any information about who to pay to and where to pay because I did not receive anything from Citi Bank. This is a completely new card that I applied, and I am not aware of anything since the beginning. Until XX/XX/XXXX when I finally received an email saying that my statement is ready. It is then I know that there is a balance of $XXXX since XX/XX/XXXX, and for 4 months of interest of late fees added up to be $XXXX. I contacted Citi Bank in regards to this issue, and they said they have no fault and I have to pay all of the late fees and interests. To me, this should not be my fault either, and I feel I am treated unfairly as a consumer. If this is not the bank's fault, and this is not my fault, why do I have to carry the fees and interest. It is almost $XXXX! This is very unfair to a customer who has always been loyal and responsible. The most important part here is that I have never received a statement and how am I supposed to know who to pay at the first place? This is a completely new account! I have called Citi bank multiple times, and I have spoken to different representatives, supervisors, managers, but they do not want to solve this issue. It is 4 months of late fees and interest charged to someone who has never received a single statement or notification from Citi Bank.
This company is making fault reports to all XXXX credit reporting agencies saying this a retail debt which is not true it is a bad check at XXXX. Not contacted by this company to resolve this issue i called them and asked why they were saying this was a retail debt and put negative information on my credit reports. I asked them to remove it and make arrangements to pay nsf checks rep did not want to hear it.i have had bad checks in the past and resolved them and never had XXXX placed on my credit.
As of XXXX XXXX, XXXX, I have called the collection company Which they call themselves a mediation company collecting for XXXX XXXX XXXX they have repeatedly called my employer looking of me. Since XXXX XXXX, XXXX they have called my employer. I have told them since XXXX XXXX, XXXX not to call my employer and have given them my cell number and my mailing address. Today, XXXX XXXX, XXXX I asked them what is there mailing address and they asked me if I am represented by an attorney and I said yes. Then they said my attorney needs to contact them and they would not provide a mailing address that my attorney needs to contact them. I told them they are in violation of the Fair Collection Practices regarding the calls to my employer. Then they hanged up on me.
I had a loan for a vehicle that went to my ex wife. She chose not to pay the loan so I was in contact with XXXX XXXX XXXX XXXX that had the loan and gave them the location of the vehicle so they could repo the vehicle. I did n't want the vehicle and they said they would sell it and I could pay the difference off. I agreed and payed the vehicle off on XXXX XXXX XXXX. I went to buy a house XXXX of XXXX and noticed it did n't say paid in full. I asked them to please state this on my credit report. They did but put it as paid in full on XXXX of XXXX, not XXXX XXXX. Now I have to live with this on my credit report for another 7 years or maybe 10 years until it drops off my credit. They wo n't help with this. I would like to dispute this reporting so I can get my credit where it belongs.
XXXX University XXXX, NC I have started repayment on my Chase Student Loans ( originated XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) and am unable to afford the total amount due. Today I learned that my payments have not been applying towards XXXX of the XXXX loans I have with Chase, and my payment is expected to increase once again next month. I am not asking for forgiveness of the debt at all, I just need to reduce my minimum payments. I also want to file a complaint against how my payments have been applied for however long I have been repaying them, as Chase told me today that the XXXX loan without payments has n't shown payment since XXXX XXXX.
I ran my credit report via XXXX XXXX  on XX/XX/XXXX. On XXXX report there was a hard inquiry from SYNCB/JCP which apparently occurred on XX/XX/XXXX .I called the phone number listed on the inquiry and spoke to a rep which ran my social and said there was no inquiry made they had no information pertaining to me. I then called XXXX and was told they could only remove the information from my report if I submit a deletion letter from the company who made the inquiry I told them SYNCB/JCP said they have no info on the inquiry in question then was told to have them mail me a letter stating they have no information or account with my information. I called back to SYNCB/JCP   and was told since there is no information they can not send me anything in regards to the inquiry however the rep I spoke with said she can guarantee there is no account and no inquiry with my information I said well if you guarantee it I will be needing a letter stating that so I can remove this from my credit report. I was told again no letter can be giving being there is no account info or inquiry on file. All I want is for this inquiry to be removed from my credit report.
There is an account on my credit report that does not belong to me. I have contacted Experian and the company that is reporting the incorrect information asking for validation. Both companies have failed to validate the account. According to the FCRA an unverifiable account has to be corrected/removed within 30 days. Experian 's response to me via mail were to contact the creditor which I have done on several occasions. I sent proof to experian which included the letters sent to the creditor and the return signature postal receipt signed by someone at the company.
I have lease 2 Vehicles with GM Financial, they are both electric and qualify for no sales tax in Washington state. Both my contracts show the correct payment but GM Financial is reporting to all the credit reports my payment with Tax included and also the payments listed online and on my statements are not correct. They are showing my payment with Tax which is not correct.

I have called Gm Financial about this multiple times and nothing has been done
On   XXXX    , I sent a certified letter to Transunion in order to dispute information, in regard to collection agency on my credit report. They received the letter. On   XXXX   XXXX   XXXX    , I received an updated copy of my credit report stating that  XXXX   XXXX  is verified as accurate and updated. I have never had an account with  XXXX   XXXX . If it is verified an accurate, I would like the documentation that Transunion has that show that this is verified and accurate. As  one  of the largest Credit Reporting companies, TransUnion should be well aware of current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a  " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). Under Section 611 ( 5 ) ( A ) of the FCRA - TransUnion is required to " ... promptly DELETE all information which can not be verified. ''
Have sent letters to collection company stating this account is not mine send a copy of a signed contract. Collection company has failed to respond to my letters in the past 3 months.
After my lease was bought out by the dealer a got a new car from, Ally Financial still billed me for another month of the previous lease. After numerous calls, they finally agreed that the car was not under my possession anymore and that they will send me a check for the amount owed. I was given a reference number for the check and was told that I would be receiving it in the next couple of days. After 2-3 weeks I followed up with them and they said that they could not process the reimbursement because my account was closed and they could not get access to my information anymore.
The XXXX company contacted me at my job and made repeated calls from XXXX - XXXX on a two hour cycle. The phone calls began XXXX XXXX, XXXX and are still occurring today. XXXX calls my office phone literally every two hours every day averaging six calls within one day and they do this Monday - Friday. I asked them not to contact me at work but to use my cell phone number that they have on file and on record and they never honored this request, which means I can not make payment arrangements because I am not in a position to discuss my financial affairs at work. In addition, I never received a written letter that FAMS now had the account that was originally at XXXX and I already had a payment plan/arrangement established with that company. Had I received a written letter I would have contacted XXXX and made arrangements. I still have not received a written letter outlining who I should call, the company details and how much I supposed owe. I was never notified in writing or otherwise that the account was no longer with XXXX. XXXX never had my work phone number they always contacted me via my cell phone number on file.
my mortgage servicer  XX/XX/XXXX  paid my home taxes without my knowledge in  XXXX  i do not have escrows and always pay my own home taxes and insurance. several months after the incident i realized my credit posted a negative delinquent status from   XXXX   even thou i had continuously made principal and interest payments as scheduled and never missed a single payment. the negative delinquent status came from   XXXX    automatically enrolling me in forced escrow.  XXXX  took it upon them selves to increase my dues to cover escrow without notifying me. when i realized   XXXX   had paid my taxes on my behalf i immediately reimbursed   XXXX   the full 100 % plus penalty for my taxes and requested to be taken off forced escrow and asked to submit a correction, reversal, or letter of clearance on the negative information on my credit.  XXXX  readjusted my account to show  XXXX  escrow balance but never correct my credit. the next year  XXXX    XXXX   paid my taxes again this time before they were even due, even if i was no longer on " forced escrow ''. again several months go by and i find negative delinquent status for  XXXX  and some for  XXXX  again i immediately reimburse  XXXX  the full 100 % tax paid amount. again i ask to please permanently remove my account from forced escrow so this incident does not continue to happen and to correct all of my credit reports for  XXXX  i have come to a roadblock in trying to come to an agreement with   XXXX  . the money i paid during " forced escrow '' time frame seems to have disappeared in my account. i will post P & I monthly bank statements and the tax reimbursement payments from my back account. i need   XXXX   to realize they paid my taxes and i reimbursed them 100 % as asked from  XXXX  ( reflected as  XXXX    )   the money " held in escrow '' should have been reflected as P & I and my credit needs to be corrected.
5 years ago i did a refinance of my loan with Astoria Federal. At the time the loan was supposed to go from a jumbo to a conforming. Now I am finding out that this did not happen, I was lied to. My current loan with them is still considered a jumbo, even though it is {$220000.00}. 

I am now trying to refinance into a 15 year fixed. The rate on their page https : //www.astoriabank.comXXXX for a 15 year conforming is 2.75 %. They will not allow me to access this rate unless I pay them {$1500.00}. For their program that costs {$250.00}, they are offering me a higher rate, not the one advertised on their page. This bait and switch of rates is due to their error from last time I refinanced, when they promised me a conforming loan but did not deliver.
Problem 1 :  I have made several attempts to have  XXXX   # 1 rem ove incorrect information from my credit file , # 2 f orce  XXXX  to appropriately report on my file, and  # 3  validate debts, and finally  # 4  come into  XXXX   XXXX  Compliance with ALL accounts on my credit file.  XXXX  always resolves any investigation that I request with "  Debt Verified  '' or " we verified this account belongs to you '' even if that is not what I am asking them for. I am seeking them to come into compliance. I am uploading  one  such account where they have given me that explanation AFTER I received a letter from the collection agency that the alleged account was closed in their (   XXXX   XXXX   ' ) office. How then, could  XXXX  have possibly verified the account and determined that it was reporting as it should, without removing it from my credit file since the company reporting it stated  (  in writing that the account was closed in their office )? Impossible! This leads me to believe that this is the path  XXXX  has taken on every single dispute that I have submitted to them. I have attached the first  4 p ages of the report   XXXX   sends back to me stating they have verified or validated the accounts. Obviously, this is not true Below is the list of accounts they are not properly reporting through and violating FCRA laws and compliance :   XXXX     XXXX  acct #  XXXX    XXXX   Acct #  XXXX    XXXX   XXXX   Acct #  XXXX   XXXX   XXXX   XXXX  Acct  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  Acct #  XXXX   XXXX  Acct #  XXXX  I have attempted to attach the copy of the letter the collection agency sent me (   XXXX   XXXX   ) stating the account  is  closed in their office (  XXXX  sent it back a s `` v erified '' and refused to remove from my credit file ).   Even the account numbers listed are partial and incomplete account numbers.    Problem 2 :  Trying to get these inaccuracies, incorrectly reporting, and only alleged accounts I have had to file disputes with  XXXX . On  XXXX  I called in to see why was it that my score dropped from  XXXX  ( dated  X/XX/17    ) to  XXXX  ( dated  X/X/17    ) and was told by the following agents that it was because I had filed disputes :  XXXX   ( agent  id #  XXXX  ),   XXXX   ( agent id #  XXXX  ), and supervisor  XXXX  ( agent id #  XXXX  ). To my knowledge filing a dispute does n't adversely affect your score. Why is   XXXX    punishing the consumer ( me ) for trying to make them come into compliance according to FCRA and  XXXX   XXXX ? There were not any new activity that would cause  my credit score to  drop  XXXX  pts. I was told that once the investigation was complete my score MIGHT go back up. Since when has decreased scores been allowed to be used to deter consumers from filing disputes?   Also, I have uploaded the latest letter that I have sent  XXXX   ( da ted  XXXX  ) trying to get them to come into  XXXX   XXXX  Compliance with my accounts. I am aware that an investigation takes 30 days however, this is not the first letter that I have sent about  XXXX   XXXX  Compliance to the.
None of the catogories listed fit my issue, but I am haveing difficulty in getting J. P. Morgan Chase/insurance claims department to release my insurance settlement funds needed to complete the repairs on my home from fire damage.
Had an account opened in 2008 with US Bank. Overdraft that same year. Now these people keep calling different " law firms " saying the bank is suing. When I called the bank they had no idea of what I was talking about. One number these people keep calling from is XXXX. I don't have the other number.