WillisBack/dataset-financial-user-claim huggingface dataset:
GC Services ( XXXX ) called me, claimed to be representing XXXX XXXX, and offered to help resolve an overdue account. I do not have ( and have never had ) an XXXX XXXX card. After I hung up with them, I requested my credit reports and verified that no one has opened an XXXX XXXX account in my name. So the only other explanation is that GC Services was trying to scam me.
I keep getting calls and voice mails about a payday loan that my daughter owes. I 'm not a co-signer and I 've asked the company to stop calling me and leaving threatening voicemails for her. About a week ago I called the company back and told a rep to stop calling me or I would file a complaint and they promised me that my number was removed from their database and that I would not be contacted again. Well, today, XXXX XXXX, 2015, I received another " escalated '' call from the company.
Over the course of the past seven years that I have been in school and receive loans multiple instances have occurred with Navient in regards to repayment. One issue that I have had was An attempt to remove my cosigner from my loans. On three different occasions Navient explained certain steps that must be followed, and payment plans were created so that I would be able to release my cosigner. All three times, once I had fulfilled the terms that Navient explained to me, and I called back to have my cosigner released, the terms such as amount of consecutive payments that should be madeand the overall amount of money that had to be repaid was changed and I was not allowed to release my cosigner from my loans. 
In XXXX, I was diagnosed with XXXX and I contacted Navient To find out if I was eligible for any type of discount or alternate payment plan due to the fact that I would be out of work for an extended period of time. I was told my only option was to enter into forbearance and would only have to pay {$50.00} each month that I was on forbearance to find out if I was eligible for any type of discount or alternate payment plan due to the fact that I would be out of work for an extended period of time. I was told my only option was to enter into forbearance and would only have to pay {$50.00} each month that I was on forbearance. I have since learned that there should have been multiple options given to me. 
In XX/XX/XXXX, I was contacted by Navient and offered a repayment plan that was income driven. I was told of a particular amount, that was {$120.00} that I would be required to pay each month. My bank account information was given to Navient and I was set up for recurring automatic withdraws from my bank account. Each month I would receive phone calls and letters from Navient stating that my payment had not been made. When I questioned how that was possible because I was set up on automatic withdrawals, I was told that for some reason my bank would not release the funds. I would then confirm the account numbers that they had on file, and each time they were correct, and the payment Was re-ran and went through with no problem. However Navient has placed a late payment report on my file and with the credit bureau for each month since XX/XX/XXXX. I was also told by one of their representatives that after the initial agreement was made, my account was resubmitted and I was actually supposed to be paying less each month then what the original agreement had been. When I questioned why I was not informed of the decrease in payment owed, I was told that it didnt matter what their computers said I was supposed to pay, I agreed to the initial payment so there was no reason to make any alterations. The payment that was made in XX/XX/XXXX was only ran for part of what we agreed payment should be and Navient has informed me that its being recorded as a failure on my part to maintain agreed-upon payments and my payment plan might be canceled. I asked to speak to a manager, and that manager told me they can say and do whatever they want and there was nothing he could do to help me out
Hello, Sorry if this is the wrong section. I've been trying to get my refund back from XXXX XXXX XXXXWestlake Financial Company for about four months now and feel like neither side is really trying to help me, and just hoping I let it go. 

I received an extended warranty from Westlake Financial Group/XXXX XXXX  with purchase of a Used Car. The car got in an accident, was determined totaled, and was covered partially by my Insurance Company. After that, I realized I had the extended warranty on a car I no longer had, so I attempted to  get a refund from Westlake. I spoke to them and they explained they could give me a pro-rated refund, part of it being covered by Westlake and part of it being covered by the dealership ( XXXX XXXX ) Westlake financials processed my refund without any issue, however I've been having trouble trying to get the dealership to honor their side of the refund. According to the dealership, they had sent a check to westlake financial group and at this point have done what they need to do. According to westlake, I've heard two different things that happened ( from different people, so I'm not sure which is true ). One person said that the refund was sent, but because the person handling my account no longer worked for the company, the refund was never processed. Another person said that when the refund was sent, the dealership had insufficient funds in their account, so it was never processed. I'm not sure which is true, and my attempts to put together a call between myself, Westlake, and XXXX XXXX have been unsuccessful. Westlake has said they'd call me back on numerous occasions and they haven't and the dealership has told me to get Westlake on the phone and to call him and we'll figure it out, otherwise he's not really listening to me. At this point I'm tired of calling Westlake and getting false hope, and I'm tired of calling the dealership and being spoken over.

Additionally, I've sent Westlake financial multiple emails about this issue, some which don't get responded to and others which don't really address my specific situations. I recently tried to call Westlake today, but my call didn't go through.

Per an email with Westlake on XX/XX/XXXX, here are the warranty amounts : Your warranty refund amount due is {$970.00}. ( WFS portion XXXX was already subtracted towards your principle last XX/XX/XXXX ). Were still waiting for the Dealer Portion {$600.00}.
On XXXX XXXX, 2016 I received information from paramount recovery systems. In the packet that I received was information that is a violation of HIPPA. This information was giving to a third-party which was an attorney speaking on my behalf. Who then gave the packet to me, once they noticed that it contain diagnoses and medical information that should n't been released. For example they have access to information that is currently being handle by third party insurance company, which was to due to an automobile accident and was handled accordingly. This incident happened on XXXX/XXXX/2016, and they should n't have access to this information and the original creditor stated that they should n't have that information since they did n't send that information to them nor should they be sending this information when it is not a debit. I have contacted the original creditor who has told me that they do not released medical information due to HIPPA regulations and the only information that they will release and what I should 've gotten from them is the medical bill that show the amount, who the doctor and a what each produces cost. They stated that should be no reason why they have any medical information. I even contacted the hospital and they stated they do not release medical information without permission. I looked over the document and had an attorney look over the same documentation and nowhere did I sign for my medical information to be released to a third party collection agency. Nor did I sign or agreed that my medical information to be used as means to collect a debit or debit validation.
fraudulent Capital One account still reporting on my XXXX   after Capital One took account out my name. XXXX is refusing to remove this fraud Capital One account from my credit.
I have been trying to obtain my credit reports for years and I am always told they are unable to provide them to me. Each time I am either given an incomplete report or referred to requesting the reports through the mail at substantial costs. I am simply asking for something that everyone else in the country is entitled to.
Back In XX/XX/XXXX XXXX I had a late fee the following month I paid my bill in XXXX and had told them I had a death in the family they agreed to remove late fee. I was recently on cXXXX XXXX and noticed the late fee had never came off. 

I had called discover and am still waiting for late fee to be removed.
PLease help I am trying to save my home My husband very sick i been spending most of my time taking him in and out of the hospital this making my work and income slow. 
I want and need to catch up on my family home we have lived and made payments on this home since 2005. 

Please help me work with Mr Cooper and XXXX XXXX to save my home.
Plaintiffs, at all times relevant to this complaint are owners of the real property known as XXXX XXXX XXXX, XXXX, CA XXXX ( hereinafter " Subject Property '' ). 
Plaintiffs acquired a home mortgage refinance loan forthe Subject Property from lender, XXXX XXXX The mortgage loan was secured by a Deed of Trust executed on or about XXXX XXXX, XXXX. 
Defendant SELECT PORTFOLIO SERVICING ( hereinafter " BANKS '' ), is the mortgage servicer of the XXXX secured lien and the purported beneficiary of the Deed of Trust used to secure the mortgage loan to Plaintiffs to purchase the subject property. 
Sometime in early XXXX XXXX, Plaintiffs received a Notice of Default from XXXX XXXX XXXX after having bought the loan from XXXX XXXX. Plaintiffs have attempted to short sell this property under the government Home Affordable Foreclosure Alternatives program, but has been unable to do so. On or about XXXX XXXX, SELECT PORTFOLIO SERVICING issued a Notice of Default against the Plaintiffs after having bought the loan from XXXX XXXX XXXX. Despite continuous efforts for the Plaintiffs to apply for a short sale for the defaulted note, the multiple lenders involved have not cooperated to date and have continually put the property up for foreclosure auction without legitimately reviewing the Plaintiffs for a short sale.
My loan was recently purchased by Loan Care, it was previously owned and serviced my XXXX. 
As of XX/XX/XXXX my monthly mortgage payment went from a very manageable {$1800.00} and change to {$2600.00}. 
Loan care said its because Im {$9000.00} + behind on my escrows and because of an increase in my flood, homeowners, and taxes. 
XXXX XXXX, because I was on a HARP refi, kept my payment down to keep us in the home with a loan modification and an escrow spread of 60 months. 
LoanCare is spreading my escrows over 25 months, with other parts of my escrow account over 36 months, and other parts over one year, to my understanding. 
I could be wrong. 
My point is, the payment went waaaay up and I need it to be more manageable and they will not compromise even a little. 
I think Loan Scare wants to force us to foreclose. 
Real Estate is at a premium these days, I think theyre acting in bad faith. 
I asked them to spread those amounts over 60 months if possible, and they told me the lender will only do 25 months on the shortage and 36 months on the others. 
However, my figures show they are collecting an extra {$300.00} a month. 
I know that servicing companies and mortgage lenders dont need to increase your payment in that manner. 
My increase is almost thirty percent. 
That just about kills my monthly budget. 
We paid ourXX/XX/XXXX paymentXX/XX/XXXX, but now still owe XX/XX/XXXX and XX/XX/XXXX. 
I dont think they should be allowed to do this.
I sell things on Ebay on consignment. The only payment method available is Paypal. I have a new account, and Paypal holds my ebay funds per their policy. On XXXX at XXXX XXXX I noticed that the withheld funds on the transaction page was significantly short of the actual hold amount displayed on the home page. I counted XXXX that was different from what they said was on hold on a per-item basis. They have over XXXX on hold from Ebay, and my money is not being released per their own policy. I have called and tried to get this corrected, but after a 45 minute call, I got hung-up on. They are collecting interest on money that was supposed to be released to me. I need that money to pay my consignment customers. After a long phone call, followed by another, I believe their system is messed up, and is causing me problems with my business. There is a whole bunch of money that I ca n't get access to. I have downloaded a report of all the transactions to date for the entire time this account has been active for Ebay. I think they have made a mistake with my money and now I am the one who is loosing money and customers for their mistake. I ca n't get them to help since after they figure out this is their fault, they hang up the phone.
I disputed XXXX Items on my report with experian for re-aging of accounts as accounts were bought by debt collector. Have been paid but do not show the original date of delinquency from original creditor just date debt collector bought and closed. I received response to MY MOV ( method of verification ) LETTER in which they supplied no proof of an investigation and left XXXX accounts on file saying information updated. Now XXXX and XXXX both removed items immediately. Experian chooses to keep listing and as a matter of fact these accounts have been disputed 4 times already along with others and not once has any method of verification been done. You, consumer protection have filed one before for me and it seems all they do is ignore you and ignore myself. Im really getting tired. They have also locked me out of their online site. The object is to one keep people from filing complaints and two to not do their job properly. In mean time consumers get screwed. Im not asking for this to be investigated or reinvestigated or re re investigated as they have had more than ample time to do since first dispute filed in XX/XX/2017. Last being in XX/XX/2017. I want these items totally removed immediately just as XXXX and XXXX did. From now on these companies need to start supplying proof they actually did a proper investigation and supply the names and numbers of people they talked to directly along with documentation. This XXXX has to stop. The XXXX accounts I have included the last request for method of verification with this. I request this also be sent to FTC as this is rediculous you cant get anyone to do their job. Experian response came to me dated XX/XX/2017 Report XXXX I think experian needs to learn law when a request for method of verification is sent to them it isnt to send a form letter or start a new investigation of already supposedly investigated information its to provide proof as sited in the courts that a legitimate and proper investigation was done and if they have no proof they shouldnt report item. Time is out going on XX/XX/XXXX days by law they have 15 days no proof then remove items. I just dont get this company experian. Im learning quick that violating law is how you run a business.
I currently called XXXX on XX/XX/18 and XX/XX/18, to try and get a forbearance for my loans because I became unemployed and they are absolutely no help. They told me that I only get 2 month increments on my loan for a forbearance and then I have to pay for 9 months in order to get another forbearance. They do not assist their customers in their time of need. I have always paid and just can not make a payment while receiving unemployment, paying rent, food and utilities. I am a single mother with a XXXX year old. Someone needs to look into their lending practices because they are horrible.
Capital One has continued to sell an account to collection agencies after it was determined that the account was open due to identity theft. Capital One and the collection agency are appearing on my credit report for the same account. The account was deleted from my credit report and has now resurfaced.
I have an XXXX XXXX XXXX issued by Bank of America. It has a credit balance on it. I called today to have a check sent in the amount of the credit. The card ends in XXXX. I gave them my address for verification in full. I did not give them my birthdate but I did give them the CIC code. They were insisting that the code was on the back of the card and was XXXX digits. I said no it has always been XXXX digits for XXXX XXXX and is on the front of the card. They claimed that the number did not match. I was looking right at the card and read it twice. They refused to issue my check. The supervisor 's name was " XXXX ''. He refused to give me his last name. I asked the name of his company and he refused to give that to me. I asked what call center he was at and he said " Texas ''. I asked him the city and he refused to tell me. I asked if the call we being recorded and he said " yes '', " all calls are recorded. '' I told him he would be hearing from the Federal Government. I said, " I have given you my name. I have given you my address. I have given you the security code off of my card and the last numbers of the card. '' They wanted my birthday and the CIC number from my OTHER card. I said " no ''. 
I said I have given you my name, address, last digits of my card and the CI code and you will not tell me your last name nor your company, its address, or the city in Texas you operate from. '' He said " Yes, that 's correct. '' Please fine these people. If we need to talk on the phone, e mail me.
On XX/XX/XXXX I contacted Capital One 's Spark Business Checking department at XXXX. I wanted to verify whether or not my old Spark Business Checking account was still valid and available for use. I was able to log into the account using my old credentials and saw there was a negative balance of {$280.00} I had since XXXX.The representative I spoke with that day advised me the account was still open and available for use. She offered me an option to order a new debit card, but I thought I had my old one so I declined. I updated my phone number, email, and address from XXXX to XXXX online as well. After confirming the account was in " good standing '' I provided my employer with the account and routing number for my direct deposit. 

On XX/XX/XXXX I couldn't find my old debit card and contacted Capital One 's Spark Business Checking department at XXXX to request another card be sent to me. The young lady politely confirmed my new address in XXXX, sent me a new card, and advised me the new card would arrive in 3-5 business days. 

When I did not have the new card by XX/XX/XXXX I called Capital One 's Spark Business Checking department at XXXX a third time to see if they were able to activate my old debit card. The young lady politely reactivated my old debit card and changed the PIN number for me. This was very important because I was scheduled to move into my new apartment onXX/XX/XXXX after sleeping in my car for 2 months. 

On XX/XX/XXXX I called Capital One 's Spark Business Checking department at XXXX to verify my old card was indeed active and was advised I would need to speak with another department to verify information before any incoming deposits. Upon speaking with the department, I was advised this was the collections department. I was advised my direct deposit would go into the account, but that after Capital One was paid their debt I would be sent a check in 2-5 business days with the balance. 

I completely understand the company wanting to collect their debt. I fully intended on paying it. However, I should not have spoken with 3 representatives before being briefed on the true status of the account. The account was by all appearances open, but per the collections department it was actually charged off. 

All I am saying is that I feel the company deceived me into believing I had an active account when in fact the account was not active at all. It was unfair of them to give me the idea that my account was available for use when in fact they were just attempting to collect a debt. The ordeal has caused a great deal of emotional distress. Yes, I will get the funds eventually, but I am hoping they still hold my apartment and I also hope my next direct deposit does not try to go into that account.
My mortgage company is called XXXX XXXX XXXX/ My Loancare. Ever since our mortgage was sold to them 2.5 years ago, they consistently do not pay our property taxes on time which results me in having to call and beg them to pay on a quarterly basis. Every 3 months like clockwork we receive mail from our town stating our tax payment is overdue and we are being accessed late fees, or even worse, that our home will be " advetised and sold under the provisions of N.J.S.A 54:5.19 ET SEQ, which governs the enforcement of the collection of all unpaid taxes ''.

We have more than enough cash in our escrow account, there is no reason why they shouldn't be paying our tax bills on time. Our tax bill this quarter was due on XX/XX/XXXX. We reached out to them first on XX/XX/XXXX and asked them to pay, then again on XX/XX/XXXX when we received the tax sale notice. The assured me they would and would send the check overnight. We get a call today saying they sent the check via regular mail on XX/XX/XXXX and could not confirm it was paid. When we called our city 's tax department, they verified they have not received the payment. They said my taxes have been sold and there is now i lien on our property.

Now our credit score 's are damaged because of this company 's inability to pay a simple tax bill for us. We are sick and tired of fighting with them every 3 months about the same exact thing.
We have a mortgage loan with DiTech that was originally with Green Tree. We were in Bankruptcy chapter XXXX for 5 years but made payments to Green Tree and DiTech on our Home Loan. During the five years we never defaulted or closed this loan but Ditech is reporting that the loan is closed on our credit reports. Our bankruptcy was discharged and completed in XXXX XXXX and Ditech will not take us off bankruptcy and continues to report us wrong on our credit reports. I have contacted Ditech at least 13 times over the last years requesting that they take us out of bankruptcy status and report our loan correctly. I have sent them online emails and over the phone and every time they continue to tell me it is under review and will take XXXX or so days to audit.. This has happened for the entire year of XXXX and I can not get them to take the Bankruptcy off our account and report us fairly. Every time I call I get sent directly to their bankruptcy department. Their reporting us to wrong on our credit reports has caused us trouble in getting new loans for home improvement job to replace our XXXX through the XXXX program because DiTech is reporting we had a default and loan closed when we never had an interruption in our loan. After a year of trying to get them to report my loan correctly I have no other means but to try and file this complaint. I am attaching the three times I tried using there messaging system to contact them.. The other ten times was over the phone throughout the year. I have read many complaints about this company and feel they are trying to hold my loan hostage in reporting correctly to credit reports which is having a negative effect on my score.