WillisBack/dataset-financial-user-claim huggingface dataset:
I received an email from Navient Loan Servicing on XXXX/XXXX/16 about placing my delinquent loan into a 2 month forbearance plan and they only thing I needed to due to accept the offer was to reply " yes ''. I replied yes on XXXX/XXXX/16 and assumed my loan was in deferment. I received another email to say my loan was in default and past due for XXXX payments. Once I contacted Navient I was first told that they did not see where the email was sent out to me but then was told they see where something was sent out and I replied on XXXX/XXXX/16 but there system did n't recognize my responds and they deferment was not placed on my loan.
On or about XX/XX/XXXX my clients mortgage loan was transferred from XXXX ( XXXX ) to Bayview financial. My client was advised no to make the XX/XX/XXXX mortgage payment to XXXX, but to make the payment to Bayview. 
On XX/XX/XXXX, my client called Bayview financial and advised that she wanted to make the mortgage payment for XX/XX/XXXX and XX/XX/XXXX. On this day my client agreed to make two payment, through a Bayview Financial Check-by-Phone system which totaled {$4300.00}, and was written on check number XXXX. During this telephone conversation my client provided her bank routing number and checking account number from her XXXX checking account which ended in XXXX. 
On XX/XX/XXXX, my client again called Bayview financial to make a payment for XX/XX/XXXX. Although my client asked for the Bayview representative specific question regarding her loan, the representative would not release information to my client. On this day my client again completed a check-by-phone for the XX/XX/XXXX mortgage payment in the amount of {$2100.00}. My client used the same bank information that was previously used. 
Again on XX/XX/XXXX, my client called to make a mortgage payment in the amount of {$2100.00}, which was for the XX/XX/XXXX mortgage payment. During this conversation the Bayview representative did not inform my client that a check had been returned or not honored by her bank. My client specifically asked if there was a problem with the check by phone, and was advised during this conversation that there was not issue with the previous payments. My client utilized the same XXXX bank account, and the payment was withdrawn XX/XX/XXXX. 
On XX/XX/XXXX, my client and I spoke with Bayview financial and were advised that the mortgage payment completed on XX/XX/XXXX, and XX/XX/XXXX, had been returned as " unable to locate ''. During this conversation we requested that a research be completed regarding the check-by-phone, and the representative declined to open an investigation into this issue. 
Enclosed please find a copy of my clients complete bank statement for XX/XX/XXXX through XX/XX/XXXX. These statements confirm that my client had the funds available to make each mortgage payment at the time she provided the bank information. We request that Bayview review the call recorded for each transaction and validate that my client provided the corrected information for each payment, and that the Bayview representative failed to accurately input the bank information for each transaction. Also, if in the investigation, it is confirmed that Bayview committed an error when taking the bank information, I request that all late charges and negative credit reporting be removed from my client loan. Once this review is completed my client would like to make all of the payments on her loan to bring her loan current.
My wife and I have an automated payment setup for our mortgage each month. The auto payment is scheduled to deliver the payment XXXX days early each month and that is XXXX days earlier than the due date, not the extended grace period. Apparently, after receiving our early payment, Flagstar realized that we were off by XXXX because they had reassessed our escrow. However, notice of this reassessment was never received. On Sunday, XXXX XXXX at XXXX, we received a phone call from Flagstar requesting a call back. We immediately returned the call and were treated with an aggressive and rude representative telling us that we were late with our payment and had not paid in full. We were accused of having received and ignored the notice of the increase. However, we had never received the letter and at that point were still not late. In fact, we still are not late as the due date on the notice is XXXX XXXX. 

Despite the rudeness and aggressiveness, we simply asked what choices we had for payment. We were told that we could pay a fee of {$15.00} and pay over the phone, or since we were n't late, we could pay using online banking for no fee. We stated that we would do so immediately and the representative said they would note that in our file. We then went on to our XXXX account and made the payment, while also changing our auth payment setting to reflect the change. XXXX shows the payment was made today. 

On Monday XXXX XXXX, we came home from work and found the notice that had apparently been sent previously according to the representative, in the mailbox, proving that we had never been given notice of the change. Since that time however, we have received no fewer than XXXX calls per day harassing us and asking us for payment. We have continually told them we made the payment and again, we are not late.
Back on XX/XX/XXXX my mortgage was in the process of foreclosure, however during negotiations thru my attorney and XXXX XXXX XXXX 's attorney a resolution was reached to pay the back charges due and resume normal activity with mortgage, with no foreclosure and we remained in the home. This was completed sometime in XX/XX/XXXX. So for 6 years I have since made all payments as requested and per monthly statements I receive. Tax 's and Insurance is up to date. The last reporting date on my credit bureau, shows XX/XX/XXXX, and shows current under " payment status ''. But " account status '' shows " closed '', when the balance is XXXX from XXXX when this was worked out through XXXX XXXX XXXX, so balance as dropped as shown, I am not being given credit on bureau since XX/XX/XXXX, and this reports on XXXX and XXXX XXXX. I have called many times but can not get this resolved, and always have to speak to a automated person, or be transferred to someone else who can not help me, except they say " it takes time for updating '' Really? its XX/XX/XXXX, a year and half, since they lest reported. I am not sure why it stopped reporting, as it was reporting current payment but with a closed account?!? I am confused, and need this corrected.
I have had a very difficult time with Wells Fargo. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Wells Fargo always seemed to lose my paperwork, which I constantly had to re-fax. I also had a very difficult time getting any assistance with any employee at Wells Fargo.

I lost my job for 6 months but am back to work full time, and can afford my mortgage. I applied for a modification and Wells Fargo denied me saying they do not want to help with a modification. I have never been approved for a modification in the past, and my income can support the mortgage payment.
Dear Sir or Madam, I am writing to dispute the following information in my file : This item XXXX, which is classified as an Individual Chapter XXXX Bankruptcy with an owed amount of {$0.00}, and listed in Dismissed/Closed status per Equifax, This item XXXX, U.S. Bankruptcy Court, which is classified as an Individual Bankruptcy with an owed amount of {$0.00}, and Dismissed per XXXX, and This item XXXX, U.S. Bankruptcy Court, XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX, which is classified as an Individual Bankruptcy with an owed amount of {$0.00}, and Dismissed, is inaccurate because I would not file for bankruptcy if I had absolutely no debts included in this bankruptcy. This means that I am liable for nothing. In addition, the dates that this item was supposedly filed are inaccurate. This item is listed on my XXXX report as being filed on XX/XX/XXXX, on my Equifax report as being filed on XX/XX/XXXX and on my XXXX  report as being filed onXX/XX/XXXX. I am requesting that the item be removed because it is negatively impacting my credit score and giving false information to potential lenders. After sending a letter to all three bureaus, I was not given an answer to the investigation, instead I was sent a letter to verify my current address, which Ive already done, and a letter stating that the item has previously been disputed and they dont want to investigate it again.
I have recently received a discharge on my Chapter XXXX bankruptcy where I completed my plan making every payment on time. In XXXX 2017, I received a letter from the trustee to begin making payments to Nationstar Mortgage. I called the company and was told a different amount ( 300+dollars ) instead of the XXXX payment the trustee said I would be paying. I questioned the representative at that time who said I had funds left over in my bankruptcy account that covered the remaining portion. Again in XXXX, the XXXX was owed. At that point I spoke with a representative in the bankruptcy dept who agreed this was wrong. The rep submitted an inquiry to the research dept. XXXX rolls around and I officially got my court paperwork finalizing my discharge. I receive a statement in the mail from Nationstar saying I am past due. I call them and the rep said no, we have money holding in an account that can not yet be applied to your account. That was last week. Today, I get a note taped to my door of my house saying I should immediately call the company. I call, they said they actually owed me money and dont know whats going on. You can not get a straight answer.
I have changed my address with discover on the XXXX of XXXX. And received multiple confirmation emails even a week later saying my new card has been shipped to my address.. However i was not paying much attention to the card, i found after a month saying that they have been trying to deliver my card to an address which i never gave them not changed my self on the account. When contacted the customer care. They simply do not have any clue on how that new address even came up on the account. So scared my details have been compromised. I have never changed my address.. not sure how they would change on their own.. unless some fraud or scam was done on the back end
I responded to a letter I received from capitalone360.com offering ( among other amounts ) a {$500.00} credit to a newly opened savings account with a {$50000.00} deposit. I tried unsuccessfully to accomplish this on their website. So I called them and was walked through the steps to, supposedly, insure it would n't happen again. I gave them my account number at XXXX to use to transfer the {$50000.00}. Then I got an email from them stating that to accomplish the transaction, ( from the email now ) : " Hang tight. Within 2 business days Capital One 360 will make XXXX or XXXX small test deposits ( each less than {$1.00} ) into your personal checking account. 
Check your account for the test deposit ( s ) by calling or visiting their website. 
Once you know the amount ( s ), both you and your joint holder must sign in to capitalone360.com. 
Click the 'External Accounts ' tab, select 'Unconfirmed ', and enter the amount ( s ) on the next screen. '' ( end email ) These test deposits did n't occur and, in a few days, I got this email from capitalone360.com : " We wanted to let you know that your recent electronic transaction was returned by your external financial institution. We adjusted your Capital One XXXX account accordingly. If you have any questions about the returned transaction, please contact your financial institution. You can also sign in to capitalone360.com to review your account information online. '' ( end email ) When I contacted XXXX via online " secure message, '' I was told there never was any attempt from capital one to deposit funds in my account, nor was there a record of them attempting to transfer the {$50000.00}. Bottom line is that I feel like XXXX XXXX have thwarted my attempt to take advantage of their offer because demand for the " free money '' was so great. The letter I received in early XXXX I believe, stated I had until the end of XXXX to take advantage of this offer. I did n't begin my efforts to open the account until XXXX XXXX so they would already have had several weeks to accept ( or reject ) others efforts to take advantage of the offer and realize the high demand. Have you had any other people complain about this? Regardless, I would appreciate your investigation into the matter.
KMF USA has questionable practices regarding payment refunds from consumer/personal auto loan accounts. The lender is practicing deceptive acts by holding funds while still recording the funds released from the account balance. This is resulting in increased interest charges from the lender which is not an accurate or legitimate GAAP. 

A payment refund request was received by their offices on XX/XX/2017, and they claim they complete all payment refunds in 7 business days. On XX/XX/2017, a loan officer informed me that they have just begun reviewing the request as of XX/XX/2017 and I would have to wait another 7 business days for a payment refund to be issued by paper check. 

I have been given too much different and incorrect information from the team at KMF USA. I would like something to be done to make sure they establish a clear cut process and much more user friendly for customers.
I purchased a home in XXXX Colorado in XXXX of XXXX that I had financed through GMAC Mortgage. As a result of a divorce, I was forced to file bankruptcy XXXX XXXX, XXXX, and the bankruptcy was discharged on XXXX XXXX, XXXX, and was closed as a no asset matter. 
GMAC filed a motion for relief from stay in the bankruptcy, and obtain permission on XXXX/XXXX/XXXX to foreclose on the house. Rather than foreclose on the house, GMAC sold the loan to Ocwen Home Loans. Ocwen Home Loans has sat on the house for the past five years, and has not foreclosed or taken possession of the property. 
Because GMAC sold the loan instead of foreclosing, and the fact that Ocwen Home Loans has sat on the house for the past five years, I can not be approved for a loan to buy a home for my family to live in. I was discharged from the mortgage over five years ago, but because of something out of my control, I can not be approved for a home loan.
We decided to refinance our home with Chase Bank in XXXX 2016. We still have yet to close on our refinance. We were immediately approved and submitted all info numerous times. Chase representatives repeatedly forgot to do things they were supposed to do. They did n't submit the request for tax returns on time. They did no send for IRS transcripts on time. On numerous occasions we were told that underwriting had our paperwork, when in fact they never did. They pulled our credit report numerous times because over the length of the refinance the score kept expiring, therefore we have multiple hits on our credit. The same went for income documentation because of the length of time it took to close. My employer received numerous calls to verify my employment. To the point where HR could n't understand that it was still going on. I called Chase Corporate of NY and they would not help, instead they kept transferring me back to the branch I was already having problems with. Our loan rep would ignore my husband 's calls, yet answer when he would call from another line. He would answer my calls with an attitude. No hello or greeting from Chase Bank at all. In XXXX we were told that our loan was being fast tracked, it is now XXXX and we are still waiting, 7 months later. Loan commitments were dated incorrectly or had information wrong, even thru XXXX. On XXXX XXXX, our loan guy said we could close the XXXX, XXXX, or XXXX. I picked the XXXX to only have us receive a call that we were not closing. I only received a phone call from the loan processor in Ohio on XXXX XXXX telling me that we were closing on XXXX XXXX, confirmed at XXXX at our home. Around XXXX on the XXXX we received a call that the appointment was being pushed back till XXXX because documents from Chase still were n't received. Around XXXX we received a call that we were no longer closing because Chase still did n't submit paperwork to a closer, therefore no one was assigned to the case. My husband canceled work in order to be home for a closing that never took place. Now he 's out wages over this. I managed to have a baby and go back to work, and we 're still dealing with this. No one at Chase seems to care enough to help at all.
I advised Comenity Bank to cease calling me. They at calling everyone with my last name even my family members harassing them and phishing for information. The advised did not advised me my name was on the account and ca n't when I have no affiliations with the dental provider they mentioned. Why are they harassing me and my family! They were rather terse and asked if I had a lawyer in what I considered a threatening tone -saying it would be in my interests to call them. When I reached them the lady could not answer how my name is on the account. I asked if they were a debt collection agency they stated they were a BANK. http : XXXX
Portfolio Recovery Service is a debt collection service that has been harassing me for quite some time, regarding debts I am unsure about. They contacted employers, friends, etc. When they call, they refuse to verify the debt without me giving up personal information, which I refuse to give to someone stating " this is a debt collector, that is all I can tell you without more information ''.
DiTech intends to sell XXXX XXXX 's home at foreclosure sale on XXXX XXXX, 2017. XXXX XXXX is presently in review for loan modification. If DiTech were to move forward with the foreclosure sale they would be violating Regulation X, 12 C.F.R. 1024.41 ( g ).
XXXX XXXX called me and made it clear that I was not going to have any money taken out of my act until the end of the next week. I have called numerous times and I have been hung up on and the phone representatives were very misleading. I am in non financial condition to throw money at this company. I wanted to look into repairing my credit not getting it ripped apart by some scammers. XX/XX/XXXX I was texted info and it stated I was to receive email from the company. Each text was from a different number. One being a area code. From SD. The amt was in the XXXX range and subsequent payments to follow. Please help me with this situation. I am in debted to you and the staff.
I had an alleged Debt with XXXX XXXX for an XXXX that was showing up on my XXXX   credit report. I sent XXXX XXXX a debt validation letter by certified Mail on XX/XX/XXXX. I have attached copy of certified receipt. 

XXXX never responded and the debt was deleted off of my XXXX Credit Report ( I have attached the letter of deletion from XXXX ). I was thinkng I have resolved this problem. On XX/XX/XXXX I received a letter from Credence Collection about of that same XXXX debt I do not owe and that was deleted off of my XXXX  Credit Report. 

We followed the same procedure and sent Credence a validation letter onXX/XX/XXXX they received my dispute letter on XX/XX/XXXX ( I have attached paperwork and certified receipt ). I never received any validation of this debt from them, then On XX/XX/XXXXthis dept reported on my XXXX  Credit report. 

They are not following the law under the FDCPA voilating my right under the FDCDA the right to dispute this debt. Credence never responded with any validation of proof to this debt. They never responded with any documents to prove this debt was a verifiable debt.Credence placed this debt on my XXXX credit report on XX/XX/XXXX.

Credence stated if I do not notify their office within 30 days after receiving this notice that I dispute the validity of this debt, or any portion thereof this office this office will assume this debt is valid. I did by law what is my right sent them a validation letter. 

Credence is in blatant voilation of the FDCDA. The fact that this debt was disputed and removed from my XXXX credit report. Sold to Credence and they still have not validated this debt with me and is using my credit report to pay a debt I do not owe. Please Please Please help me in this Matter.
During XXXX of 2016, I borrowed money from a private institution called " Lending Club. '' I needed the funds to pay off high-interest credit cards and to help with relocation for work. However, I am paying over 30 % in interest on a loan amount of a little over {$16000.00}. 

The interest rate seems too high and disproportionate. I have been making payments on time but it is becoming financially difficult to keep making these high-interest payments.
My loan transferred to Loan Care in XXXX. They boarded the loan incorrectly saying that I did not have a homestead exemption. They failed to notify me and failed to maintain my homestead exemption per RESPA requirements. I have now overpaid my taxes by over {$1000.00} since XXXX and they continue to raise my escrow payment. I had to go work with the XXXX County Central appraisal district on my own to the the exemption updated for XXXX and XXXX, however they would not do anything for me on XXXX and XXXX. I expect Loan Care to fund my escrow account for XXXX and XXXX for the amount I was overpaid due to their acquisition error and overpayment of taxes.
I was given false information about statuses and payments for my loan. My deferrment date for my loan also changed. My loans were supposed to be in deferment until XXXX XXXX, Navient made my loan repayment change to XXXX XXXX. My interest rate was increased without my knowledge, and no one could give me an answer why. I was forced to take a forbearance for my loans, which continued to allow interest to occur during those timeframes without being offered any other options. They did not work out an affordable payment plan for me when I had a job change/was unemployed.
I had not used the Credit Card in question for quite some time except to pay off an existing debt, through auto-pay. Once that balance was paid in full I discontinued the use of this card until recently. I made a purchase in the amount of {$300.00}. On the due date of payment ( XX/XX/XXXX ) I processed a dispute of this charge, as indicated on the instructions on the back of my bill ( I should dispute any unauthorized charge if not resolved by the due date ). After I disputed the charge I noticed that an Auto-payment had been processed on the same day. However I never authorized the Credit Card Company to process an Auto-payment in this amount, and this was not the amount I had originally set up Auto-Pay for previously. I called the Credit Card Company and requested that the auto-pay be reversed ( because the disputed charge would be eventually credited back to my credit card account from the institution making the charge ). The representative refused to do so. I asked to speak to a manager. Instead the representative hung up the phone in my face. I immediately documented that conversation in an email to the Credit Card Company, and requested that any bank charges be covered. I called my Bank to STOP PAYMENT on the payment. My bank did as requested. However, the Credit Card Company processed another payment in the same amount, even after I had discontinued Auto-pay. I called the Credit Card Company on XX/XX/XXXX to have the payment reversed. I had to request a manger to have it processed, after the representative misrepresented that the payment had already been credited to my banking account. I was informed it would take 2-3 business days. I indicated that this was unacceptable. However the Manager ( Named XXXX, Id # XXXX ) could not or would not expedite the process of this reversal of payment. Meanwhile the processing of that payment has disrupted my means of payment to other institutions, and caused me to incur a STOP PAYMENT fee of {$30.00}. along with late payment fees on other accounts. This process has caused stress and dismay. The Credit Card Company should be held accountable.