WillisBack/dataset-financial-user-claim huggingface dataset:
To whom it may concern, Im writing this letter to complain about the deceptive service Im receiving from my mortgage servicing company Loancare aka Myloancare.com. They sent me an escrow analysis in XX/XX/XXXX which forecasted the property taxes to be higher than expected which resulted in my monthly mortgage payment to increase. I called them to get some information about the process of getting this adjusted when the actual taxes are paid on my property because I knew the tax amount would be less than forecasted. I was told to call back towards the end of XX/XX/XXXX after Loancare pays the exact amount of taxes on my property. As I was told I did call on XX/XX/XXXX and I confirmed that the taxes were in fact paid at the beginning of that month, I also confirmed that the amount is about {$1000.00} less than what was forecasted on their XX/XX/XXXX escrow analysis so I requested a new escrow analysis. The agent told me that the new analysis would be completed by XX/XX/XXXX. On XX/XX/XXXX I called Loancare to inform them that Im not seeing the updated info yet so they told me that the XX/XX/XXXX deadline I was previously given was incorrect and that I should wait till XX/XX/XXXX for that info. Again XX/XX/XXXX came and went and the escrow analysis was not completed so I contacted them again and was told that this process should be done by the XX/XX/XXXX and if not I should request to speak with a supervisor. I called back on the XX/XX/XXXX since it wasnt done again and even spoke to a manager but they all stated that the analysis was not done yet and that by Friday XX/XX/XXXX the system should update and reflect the up to date numbers. Today is Saturday XX/XX/XXXX and again no new escrow analysis was posted or updated. 
I feel that Im being given the runaround and that they are not honoring these deadlines/timelines they keep providing me. I even sent an email to their customer service and I just received the automated response but no resolution. Its not professional to lie and deceive customers or send them the message that things would be done when Loancare feels like it. After all of these attempts and the pattern of their business practices I feel that this delay is intentional and I want this analysis to be completed and my information updated as soon as possible so we can budget for our mortgage accordingly.
I deposited a payroll check from XXXX XXXX XXXXXXXX XXXX XXXX, on Friday, XX/XX/2018. Bank of America froze {$430.00} of it. They have put a 14 day hold on these funds, stating they will not be able to be used or withdrawn until XX/XX/2018. I have talked to a branch manager and a customer service representative of the bank. I was told that since the check was from XXXX XXXX, I would have to talk to them about expediting the release of funds. I called XXXX XXXX and was told that they never hold checks for more than 7 days. Bank of America then told me that due to excessive overdrafts, that they would not be releasing my funds any sooner than the 14 days. I have banked with Bank of America for years and have only had two overdraft fees, which they reversed. 14 days is excessive and it is my money. I have to pay bills, buy groceries, gas, etc. Never have I ever experienced such difficulties from them. I need that money. How am I to survive without my payroll? I work hard for that money and CAN NOT wait another pay period to receive my money. I am very unhappy and once this is resolved, I will no longer be banking with them. They have had my business for an excess of 10 years and I have never, ever incountered this problem with them.
The company that submitted this debt is a new management company that took over a rental unit I was renting. I paid the full amount to the office staff in the crossing at the bay. The company fired the office staff and got a new name and new management and the submitted this collection in error where it was paid in full. I went to the office and spoke to the last office staff XXXX that was still there and she told me not to worry bout it will be removed. It 's not my fault she see the account paid in full. Original amount was XXXX.
This complaint is regarding the close out of a lease and a new lease both with XXXX. 

On XX/XX/2018, my lease with XXXX should have ended once the dealership paid off remaining payments. In error, 2 payments were drafted from my checking account in the amount of {$290.00} on XX/XX/2018 and XX/XX/2018. 

I have made multiple calls to get this issue resolved. I have been told various amounts for refund due to me including {$890.00}, {$590.00} and {$290.00}. I have been promised a check arriving XXXX, XXXX XXXX refund, and emailed check ( call on XX/XX/2018 ). We all know that a check sent via email can not be negotiated. Whenever I call in, I need to start all over and get different info each time. I was told that not all calls are recorded. 

I emailed XXXX and received confirmation of receipt on XX/XX/2018. I received no response or resolution from this complaint. 

Today I called and was advised that one of the over payments was credited to my new lease. However I can not see that on a statement nor online. 

The last I was told told is that I am due a check in the amount of {$290.00}. No one is giving me accurate information on why an over payment has still not been refunded to me. XXXX XXXX is the supervisor that I spoke to today.
I switched cell phone companies when my contract was finished. My balance was paid in full. XXXX kept billing me and added additional charges for switching companies yet I had no contract with them. I would like this removed from my credit report.I asked for copies of phone usage for the billing dates and they can not provide any.I do not owe XXXX any money.
I went to the web site the federal government has to request my free copy of my credit reports from XXXX, XXXX and Equifax because I was contacted by XXXX about someone trying to apply for a credit card in my name. I received the reports from XXXX and XXXX and disputed some dis-information that XXXX had and they corrected it. Equifax sent me a letter telling me to provide more information like a copy of my social security card and a utility bill and I did that but I am opening up a complaint with you because while confirming their address online with the letter they sent to make sure I am not mailing something to someone who will defraud me, I noticed that a lot of people have had Equifax give them the run around and not give them their free report. I am very concerned that someone may have stolen my financial identity and done such a good job with Equifax that they do not think that I am who I am, live where I live and can prove it. If you would follow up and encourage them to do the right thing so that I can see if they have dis-information like XXXX did, I would really appreciate it. It is really sad that companies, whom I do n't know anything about, can collect identity and financial information about me, make mistakes and require me to verify their mistakes and then go through all of this to get them to fix the information they have about me. It is really sad that these companies make a profit doing this and it costs me so much time and worry. I wish the federal government was the only credit bureau that kept private information about citizens and that public or private companies were not allowed to do this. What with hackers and XXXX, XXXX and other spies around the world stealing our information, we need much better protection of our citizens and our personal financial and medical information. Our XXXX XXXX department should have a budget to do this and convert everything to their computers and shut down XXXX, XXXX XXXX and Equifax or hire all of their people and get control of their computers. Also, only XXXX citizens should be working for XXXX, XXXX and Equifax and this information should not be available overseas. Otherwise, what protection do we have that worldwide hackers and spies wo n't steal our financial or medical information and use it against US??? If you would help me get my free credit report from Equifax, I would really appreciate it. It is sad that I should have to go through this. The federal government has my social security number and I am attaching a utility bill. I mailed Equifax a copy of my social security card and the utility bill I attached to this complaint. Thank you for creating the CFPB. I really hope that this is the beginning of the federal government starting to protect our citizens on the internet and computers like our XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX protect XXXX. XXXX has to include protecting citizens private financial identity and our private medical identify as well.
A company named Cavalry SPV I , LLC claiming that they were acting as an assignee of XXXX to collect a debt that I do not owe. I never received anything from XXXX and did not and do not have a XXXX credit card. Cavalry SPV I, which is just one of many shell companies created by another company, more widely known as Cavalry Portfolio Services, LLC, never contacted me or even tried to notify me of anything. The first thing that I received was an actual complaint, filed with the courts, which took away my chance to Validate the Debt. They are using an attorney by the name of XXXX, he is actually using the name of a law firm that is not even registered to do business in New Jersey. He is using the name XXXX., which was formerly known as XXXX ;, that name is registered in New Jersey but I can not find out the status of that name, whether it is active, inactive or if they were simply shut down? They are seeking a relatively small amount, in my opinion they are trying to collect an amount that is less than what an attorney to fight it would cost, in the hopes I will settle. They have not followed state or federal law at any single point in this process and, after doing some research, I am now in the process of a legal battle over a debt that is not mine.
XXXXXXXX XXXX is reporting {$250.00} from XXXX XXXX XXXX on my Transunion report. I called them to find out more information about the debt and they told me the debt was no longer with their office. I asked them why they were still reporting it and immediately disputed with Transunion. I provided Transunion the phone number I called and the rep I spoke with. XXXX verified the debt AGAIN even tho they do not own it. I can not find out any info about this debt and want it removed from my report. This is so unfair. I called XXXX XXXX XXXX and they didnt show any debts for That amount either.
USAA Bank has very poor customer service and a serious lack of communication with their customers. 
I have been unemployed and unable to find a job for almost two years now and surviving on what little income I have, which I have told the bank many many times. They claim they will assist customers who are going through times of hardship, but they do not really care about their customers at all. I had a personal loan with them which they decided to close without even notifying me that I had past due payments. I understand that, and I am paying it so it will be done with, but lack of communication with customers is wrong, very wrong. 
Just when things were being straightened out with them, I received a letter from them stating that they had closed my credit card account, ( which is paid up to date ) because of the consumer loan that they never warned me about. 
Funny thing is I have been emailing with XXXX of the bank executives and he never once mentioned they were closing my credit card account. 
It is so wrong for a bank to treat long time customers, especially ones who have served their country by either being a XXXX for the XXXX. 
USAA Bank claims that they honor and appreciate those who have served their country but if you are going through financial hardship they refuse to do that and work with you, instead they treat you like dirt.
I have tried to dispute my tax lien through the regular written letter credit bureau investigation process XXXX with no resolution or response. I included the document from the Georgia Dept of Revenue showing that it is satisfied and cancelled and the bureaus have n't properly investigated and deleted it from my reports. I have attached the letter again for you as well. They combined the accounts for XXXX and I and the receipts attached show they were paid. Please help. I look forward to quick resolution because these are impeding my ability to move forward financially.
There was nothing to explain further. I have been sending letters to Transunion for months now and I have repeated myself over and over again. Bankruptcy ChapterXXXX-petition filed XXXX, XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS
I bought my house in XX/XX/XXXX for XXXX, put XXXX down and pd XXXX for 15 years totaling XXXX. My mortgage went from XXXX to XXXX to XXXX to Chase and just got sold to XXXX XXXX XX/XX/XXXX Chase raised my mortgage from XXXX to XXXX. I called and faxed Chase w no response. In trying to resolve this w Chase they consistently put my house in the paper to auction but never auctioned it, only humiliated and embarrassed me. I enlisted XXXX and XXXX XXXX to help me resolve this. XXXX took thousands and XXXX tool there share and than disappeared. I did a declaration for XXXX XXXX from the Federal Trade Commission. Chase put insurance on my house from XXXX to present charging me thousands. I have so many fees on my loan and have paid almost XXXX dollars for and they now say I owe XXXX. I have a XXXX page letter and XXXX attachments. I need someone to help me pls as Chase just sold me to XXXX XXXX who is threatening to take my house.
Suntrust bank opened 2 credit card accounts in my name without permission. I have filed a complaint and am in the process of closing all accounts. Branch manager ( XXXX XXXX, XXXX, VA ) tried to deny the accounts existed, though online banking showed them as active. Once manager admitted the accounts existed she tried to say they were opened in 2016. The accounts were opened within the last 6 weeks. There is a internal investigation from Suntrust.
Last week I called my local XXXX XXXX XXXX landline phone and internet provider to ask if it was possible to have an additional phone line installed at my residence in order to get additional internet service for my grown son. Without ever answering my question or asking or notifying me, the agent ran a hard credit inquiry on my credit that I discovered on XXXX XXXX, 2015, which had taken place on XXXX XXXX, 2015 ( Equifax ). I called XXXX on XXXX XXXX, 2015 and asked them to remove it because I did not authorize it, but they refused. The agent said I would need to contact the credit reporting company for that. I contacted Equifax and the agent said I would have to contact XXXX XXXX XXXX and ask them to submit a request for removal. I called XXXX back with the information I had learned and after hours of being transferred, hung up on and speaking with the various unhelpful agents, no one did anything to help me. I urged the last agent to listen to the recording to prove that I did not authorize the inquiry. She said XXXX XXXX XXXX would call me back that same evening. No one called back. I spent over four hours trying to resolve this with XXXX XXXX XXXX yesterday and I really need your help, as no one seems to care enough to do something about this but me.
I tried to pay my student loan off faster and applied money to XXXX of the loans. The money was reversed and applied to both loans. A navient customer service rep advised me the federal govt has regulations in which they must adhere too. And they would not reverse any pmts for these reason. They also extended the length of my loans with new pmt amounts again following government regulations. When I complained I received a nasty letter from indicating I was informed of theses regulations but could not do anything about it because they were only following what the federal govt had given them
I filed for chapter  XXXX  bankruptcy on  XXXX   XXXX  of  2017. I filed jointly with my spouse. The bankruptcy was discharged  on  XXXX   XXXX  of  2017 . The bankruptcy is still not showing on my credit report with any of the  XXXX  bureaus. It does n't even show that I filed at all. It is already showing on my husbands that it was discharged. I contacted  XXXX ,  XXXX , and Equifax on  XXXX   XXXX  to see why it still have n't reported it. They all tell me, it 's nothing they can do because that are just a monitoring agency. They have n't given me any resources or any other response besides there is nothing they can do since it 's not reporting. I called again on  XXXX   XXXX  once it was discharged and was told the same thing. I know the bureaus received the notice because again, they are reporting the accurate information on my credit file. I was told there was no reason to send the documents, because they ca n't correct my credit file because they only do " credit monitoring ''.
I spoke with XXXX at this company back on XX/XX/XXXX around XXXX regarding a medical bill in the amount of {$390.00} for my son. After speaking with XXXX, she advised me that she will reach out to XXXX regarding submitting the claim to be paid and she also advised me that she will submit the information to the insurance and that I should follow back up in 30 days regarding the status. I followed up and was advised that they have not received a response yet. After a couple of months I received another letter on XX/XX/XXXX from OAC which is the collection agency again regarding the bill. I then reach back out to the collection agency OAC trying to get the status on the claim and was advised by a representative that the claim had not been submitted to medicaid and that they would submit it. I have been reaching out to this company for almost a year offering my assistance in anyway possible while they kept informing me that they were submitting the bill to medicaid and come to find out, they never did. I 've been misled as well as lied to for months and all I asked of the staff at OAC was to submit the claim to XXXX so that they could pay it before the timeframe expired which was a year from the date of service which was XX/XX/XXXX. When I spoke with the supervisor XXXX on XX/XX/XXXX I expressed how dissatisfied I was with how the staff handled my account and he did not seem to care nor did he try to offer a resolution. The way the office handled my file was unjust and as a result of their negligence regarding submitting my claim to XXXX in a timely manner, XXXX will not pat the claim because a year has passed from the date of service. the names of the other individuals I spoke to in that office were : XXXX, XXXX, and XXXX.
8 years and 3 lenders later still trying to get a loan modification, recently Caliber Home Loans Purchased my loan in XX/XX/XXXX, had to start all over with the loan modification process, I submitted all the documents Caliber asked for, my documents were lost, I submitted additional documents as they asked for. in XX/XX/XXXX i was advised they had a complete file before the deadline to stop the sell of the property, Caliber refused to stop the sell date as I was told the sell date would be stopped. I was forced into BK XXXX to stop the sell date. Within the first 30 days of the BK I submitted another complete package for a loan modification, over the next several months caliber again asked for more documentation to complete the review, I again submitted the required documents, In XX/XX/XXXX Caliber stated they need an additional document, I advised them I was advised by XXXX XXXX from Caliber that document was needed and she checked with the loss mitigation dept, that person in that dept stated I did not need to send that document in, Caliber once again proceeded with another sell date for the end of XX/XX/XXXX, that sell date was stopped once all the dept heads got together and agreed that I was given incorrect information, I provided additional information, after one year after starting the process with Caliber, my loan modification was turned down, Caliber stated the reason was my debt ratio was to low, yes I can afford the monthly payment, however I can not pay the amount past due, from the beginning Caliber stated they had many loan programs in house to help me with the past due amount, I was advised from the Point of Contact person to submit a appeal letter, stating that I can afford my monthly payment but not the past due. On XX/XX/XXXX I submitted an appeal letter to Caliber thru their web site, I called Caliber to verify they had in fact received my appeal letter, I was informed yes it was uploaded and they received it by the dead line to appeal. Now recently I am informed by Caliber there is a sell date on my home for XX/XX/XXXX, I was additionally informed that my appeal was never reviewed, I was advised when I submitted my appeal that no sell date will be placed on the property while my appeal is pending. This is so wrong.
XXXX XXXX XXXX is reporting a charge off on my credit report. They went out of business and filed bankruptcy. I received a notice sometime ago that they closed all their accounts and ceased collection of them. When I tried to mail payments they were all returned. They have no way to continue paying them yet they keep reporting!
I have disputed XXXX several times with the credit bureaus because of the numerous inaccuracies on my reports and the inconsistencies between the XXXX, however, all of the issues still exist as XXXX is unwilling or unable to provide accurate, consistent information which is causing issues with when this item is to be correctly removed as per the law. I have included the way in which the same exact account is reported by XXXX to the XXXX different major credit bureaus : Company : XXXX - XXXX XXXX XXXX XXXX Loan Type : Charge Account Other Charge Account Account Number - XXXXXXXXX XXXXXXXXX Account Holder : Individual Individual Account Individual Date Opened : XXXX, XXXX XXXX, XXXX XXXX, XXXX Status Date : XXXX, XXXX XXXX, XXXX XXXX, XXXX Condition : Not Updated Closed Closed Last Activity : XXXX, XXXX XXXX, XXXX Not Available Balance : {$0.00} {$0.00} - Status : Charge-off Payment after charge off/collection Account legally paid in full for less than the full balance History : Late 30 Days 0 times 0 times 0 times Late 60 Days 0 times 0 times 0 times Late 90 Plus Days 15 times ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 0 times 1 time ( XXXX XXXX ) Worst Delinquency : Bad debt/collection None Reported Collection High Balance : - {$190.00} {$190.00} Terms : - - Revolving REMARKS : Account paid for less than full balance / Paid charge off Settled -- less than full balance Account Paid In Full For Less Than The Full Balance As you can see, XXXX CB they are reporting the last activity as XXXX XXXX, XXXX it 's XXXX XXXX and the last they do n't even report a date at all. Then, in the 90 days + date late, to XXXX CB they report none, another they list XX/XX/XXXX and the other they list all the way from XXXX XXXX through XXXX XXXX. 
This account was sent to a collection agency at some point because I received a letter from them in XXXX XXXX. At the point this account was sent to XXXX XXXX XXXX , XXXX, XXXX was no longer the owner of the account, so their continued reporting of it after they 'd closed it is inaccurate. The date of XXXX, XXXX, is the month I paid this to the collection agency. 
I do not understand why XXXX continues to provide inaccurate data.
Monthly maintenance fees are excessive for type of account. The Health Savings Account managed by Bank of America charges {$3.00} per month for our plan and up to {$4.00} per month non employer sponsored plans. There are few transactions processed and the balances in the accounts may be very low.