WillisBack/dataset-financial-user-claim huggingface dataset:
1 : impossible to communicate with this company. 
2 : web site frequently down 3 : when I submit messages, an error occurs and it is not sent and i am asked to log in again. 
4 : I can not get pdf files of my monthly statements without ReQUESTING them, waiting 48 hours for an email link. For a year I never saw the email link.They finally just mailed me -TWICE -a year 's worth of paper statements. I prefer instant analyzable transparent pdfs!!! 
5 : It 's XXXX XXXX. I tried to " contact them '' via their message board and the message, once again, had an error. 
Not receiving instant access to legible PDFs makes me not understand what I owe. The excel stuff is ok but not for analysis.
I asked for my payments to be reduced and filed all the necessary paperwork XXXX and they keep saying it was n't received. I have the fax confirmation proving it transmitted successfully.
0n XX/XX/2017 I was informed by XXXX XXXX XXXX a check cashing and pay day loan originator that a check they cashed on my behalf was returned for Non-Sufficient Funds. I repaid them all money received and their {$25.00} NSF fee on XX/XX/2017. However, XXXX XXXX XXXX is refusing to provide me with the original check so that I may then be able to present check for payment when funds become available. XXXX XXXX XXXX is located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, their phone number is XXXX. The teller/manager of XXXX XXXX XXXX  provided with the name and phone number of their parent company, Community Choice Financial, XXXX, their I spoke with Team Lead of the Customer Service Department XXXX who also stated, " they are unable to provide me with the original check on account of the fact that they cashed the check. ''
Inquiries from Paypal Credit was placed on my credit reports ( XXXX, XXXX and XXXX ) and it was not authorized by me. I believe this to be fraudulent and I wish this inquiry to be removed from all three credit reports. The dates of these unauthorized inquiries are as follows : XXXX/XXXX/2015 XXXX/XXXX/2015 XXXX/XXXX/2015
My vehicle was repossessed in XXXX XXXX. A settlement offer letter dated XXXX/XXXX/XXXX was mailed to my home earlier this year. This letter offered to settle account with a stated principal balance due of {$7900.00} for 30 % of this amount. The settlement total amounted to {$2300.00}. The letter further stated that there was a 60 day window to accept the offer. Unfortunately at the time I had no knowledge of the settlement offer as I was incarcerated from XXXX XXXX, XXXX until XXXX XXXX, XXXX in the XXXX XXXX XXXX. I contacted Santander and explained this. I also sent them a letter with proof of incarceration to no avail. I would like the opportunity to consider this offer as it was impossible for me to do so initially as I lacked knowledge of the offers existence.
The payment website for servicer, American Education Services " AES '', is confusing and when you pay it is not clear how your payment is being allocated to the various loans that they have under their servicing scope. This has majorly impacted my credit reporting as I have struggled to keep up and often would pay intending to have the payment applied to the appropriate loan to avoid adverse credit reporting. Additionally, I just received error notices on the handling of the account from AES and have uploaded copies for your reference. Lastly, I received conflicting information regarding workout programs available to me as a borrower. I submitted a request for short-term loan workout assistance due to hardship at the end of 2015 and was approved. They forwarded a package to me to have returned for long-term loan workout assistance request. I did not receive this package to be able to return it timely. I requested another to be sent and was declined that option as I missed a " window '' for return that was never conveyed to me. Further, I was told that I could not be reviewed for short or long-term loan workout assistance until 12 months of payments were made following this debacle. I request a full review of the account, AES to update their website for transparency around general payment applications ( this is critical when there are potentially several loans serviced with multiple due dates ), AES to review general payment practices ( the general payment should cover the most delinquent or the earliest due amounts ), removal of all alleged late payments ' credit reporting from my account, and alteration of existing borrower hardship loan workout assistance practices. Thank you for your time, consideration, and assistance. Feel free to reach out to me with any questions or if any additional support is needed.
I personally called XXXX XXXX the first week of XX/XX/XXXX to get the pay off amount on one of my properties at XXXX XXXX XXXX in XXXX XXXX, NV On XX/XX/16 I signed off and XXXX confirmed that on that date the sum of over 93K was wired to XXXX to pay off that mortgage as of today XX/XX/27 I am getting Auto dialers that put me on hold for 3 to 5 minutes at a time all day long I am slammed with Calls, text, fax and emails I know I over paid and I want a refund ASAP Please do not confuse this complaint with previous ones I had 9 years from XXXX while dealing with them I blame even my moms XXXX, XXXX and ultimately even her XXXX on all the stress they put us all trough
Lost $ XXXX down payment due to wire fraud. A portion ( {$27000.00} ) was frozen by the bank, but they refuse to return it. 

Per UCC - Article 4A - 205. ( a ) ( i ) the transfer was to a beneficiary which was not intended by the sender. 

Per UCC - Article 4A - 402. ( a ) ( d ) If the sender of a payment order pays the order and was not obliged to pay all or part of the amount paid, the bank receiving payment is obliged to refund payment to the extend the sender was not obliged to pay, plus interest. 

Bank of America ( BOA ) is the sending bank, the receiving bank, and the mortgage lender. 
BOA was informed of the Fraud several ways & provided evidence. Initial payment order explained intent & true beneficiary of the transfer. A series of short investigations confirmed both fraud & true intent. Despite investigation findings, BOA refused to return the frozen portion. 

BOA further enrich themselves by waiting until a second down payment was procured & mortgage was closed before offering a return. The return was contingent on receiving a notarized release. They gained holdings, plus caused tax liabilities & interest loss because due to their refusal. 

After gaining all they could, BOA offered to return the money contingent on receiving a notarized release. The release waives all damages & prevents info regarding the incident from being shared publicly.
My husband got hurt at work 3 years ago. We have had a hard time keeping up with payments. I have started to work to help out but our payments are behind. We dont dispute that we are doing the best we can and are almost back up to date on payments. The problem is that they will call us XXXX times a day when they know we are at work and not able to answer or phones. When we do answer the phone they are always rude and telling us how what we are doing is not good enough and we just need to move out. We have been told many time that they are about to forclose and they leave this on my husbands voice mail after we told them he didnt have that number any more in hopes to cut down the calls to his number. It has got to the point that we dont want to answer the phone at all to talk with them just to be told we are not good enough and that sending our whole paychecks in to them isnt good enough. The company is Ditech. If there is something that can be done please help us. We are at our wits end with them.
My bank account at XXXX was hacked the end of XX/XX/XXXX and a fraudulent ( electronic ) check was written to XXXX for {$280.00} for check XXXX ( which I never issued ). I instantly went to my bank and account was closed. I got confirmation from XXXX that it was fraud. The end of XXXX I got a Notice from TRS Recovery Services that they were going to collect my XXXX debt ( + fees ). I contacted them and per their request I printed an Forgery/Identity theft Affidavit from TRS and had it notarized by my bank. The package ( affidavit, note from TRS and prove from my bank ) was faxed on XXXX. Fax receipt by TRS was confirmed. I called today XX/XX/XXXX multiple times to ask the status and they claim they have n't received anything from me. Phones are disconnected, or are terrible quality. Additionally they mentioned that there was another case pending for {$190.00} for which I had not received a notice from them. This was a fake check with a fake name and DL from a non-XXXX bank ( XXXX XXXX, I think ) but with my bank account / routing. Very clearly fraud. Also here the bank re-imbursed me and held me not liable. How can they loose evidence sent to them by ( confirmed ) fax )?
Hello, This loan was first started with XXXX XXXX from the third month forward XXXX XXXX has been reporting a late payment XX/XX/XXXX. Another payment under dispute is XX/XX/XXXX this payment wasnt provided, and the dispute with the banks as follows ; in the month of XXXX XXXX XXXX received a mortgage payment of XXXX on the XXXX, and on the XX/XX/XXXX. XXXX payment was part of a 13-month year payment program that wasnt completed. These payments have been challenged on many occasions with XXXX XXXX, and the next service provider Select Portfolio Services ( SPS ).
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Im asking the servicer to count from the date that the loan began to the present date, if you agree that the proof presented in the bank record is authentic for the month of XX/XX/XXXX then I believe that I can find this mystery third payment that SPS is claiming. XXXX XXXX on payment review ( XX/XX/XXXX ) created a new payment XXXX  based on the missing payment of XXXX ( XX/XX/XXXX ) this new payment includes the XX/XX/XXXX payment with interest, and fees based on the thought that XXXX XXXX didnt receive it.
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In addition, this third payment that XXXX created has never been substantiated with a date! We have records proofing each payment provided to either XXXX XXXX or SPS. This concerns me when asked about documentation, some of the information on this matter sent to me doesnt look authentic?
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If the service provider would take the time to count the payments made on the loan they would find all payments to date, and that number is 66 payments. Now, I have requested the dates of all the missed payments. I have received missed payments of up to five from SPS within the past year and now have received a letter owning three payments behind. This miss information is being propagated to all the credit bureaus for the past 5 years driving our credit into HELL!
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XX/XX/XXXX XXXX XXXX  sold my Mortgage to Select Portfolio Servicing ( SPS ). XXXX XXXX stating 3 payments behind on the mortgage and thats where it stands today! Again, I strongly believe that this information, the XXXX document arent accessible to SPS. Thus, the inaccuracy with their reporting.
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Events to keep in mind ; Year XXXX withXX/XX/XXXX payment 12 payment are verified ; Year XXXX XXXX XXXX  created an additional payment to include interest and fees on the principal mortgage amount to cover the XXXX payment ; Year XXXX  additional payment was made in XXXX ; Year XXXX without the XXXX payment 12 payments are verified ; XXXX XXXX sold Mortgage to service provider ; Year XXXX no payments missed 12 payments are verified ; Year XXXX no payments missed 12 payments are verified ; Year XXXX no payments missed 12 payments are verified ; Year XXXX no payments missed 6 payments are verified ; In red you see the 3 outstanding payment dates, in green you see that the payments arent outstanding! 66 payments are verified to date.
With the proof of the payment in XX/XX/XXXX the created payment in XX/XX/XXXX was done based on miss information thus neither unpaid balance exists, and the XX/XX/XXXX is negated by the additional payment in XXXX of the same year.
In XXXX of XXXX I had fraudulent activity go through my account with Bank of America I reported the fraud and got an internet claims number but was unable to file claim on the checks that were in my account as they had not posted yet unbeknownst to me Bank of America and XXXX XXXX violated my privacy by going into my account without informing me of them doing so and closing all accounts both personal and business affected and unaffected they also reported me XXXX early warning as someone who has been tried and convicted of defrauding the bank in XXXX of XXXX I was made aware that I was being investigated for fraud buy a detective XXXX XXXX of the XXXX XXXX XXXX XXXX Department I was also informed at that time that the XXXX XXXX XXXX XXXX Department and the XXXX Indiana Police Department we 're looking for me regarding this matter it was not until XXXX XXXX that I learned of the officers and of the investigation and charges being brought up against me stemming from the accusation from Bank of America and XXXX in XXXX of XXXX when I reported the fraud Bank of America and the XXXX department did nothing to help me resolve this matter they threw their customer under the bus and did nothing when I learned of the reporting to early warning I wrote a letter to Bank of America asking them to remove me from the early warning as the reporting is wrong Bank of Americas rebuttal statement was more toward severing the banking relationship between myself and Bank of America however no mention of the officers or the municipalities or the investigation was even entered into these notes since that time I have worked closely with all three municipalities and have shown them proof that I did not do a Bank of America 's XXXX has accused me of to this day Bank of America and the XXXX department has refused to respond to all three municipalities including the lead investigating XXXX detective XXXX XXXX from the XXXX XXXX XXXX XXXX Department as well as detective XXXX rats of the XXXX Indiana Police Department both detectives have informed me that they have tried numerous times to get Bank of America to respond so that Bank of America can be informed that I have been cleared of any wrongdoing I have asked Bank of America to modify or remove their negative reporting to early warning as I have not committed any type of fraud and I do not wish to ever have any type of banking relationship with Bank of America or its affiliates I have provided proof beyond a shadow of a doubt that I did not do what there Bank of Americas XXXX has accused me of therefore I feel they should remove the negative reporting to early warning and or modify it so that my other bank can open up accounts for both my business and my personal also I am requesting that Bank of America and XXXX XXXX respond to the officers and the municipalities so that they can assist me further in my identity theft proceedings and keep assisting me to clear my name of the wrong doing which was caused by the negligence and gross misconduct Bank of America and their XXXX team
I recently pulled a copy of my credit reports and found inquiries from XXXX XXXX XXXX. I reached out to the company on XX/X/17, spoke with rep " XXXX '' but she did not provide any additional identifying information. She explained the inquiry was from a joint application for a student loan. I have never done a joint application and I do not need private student loans as I receive federal student loans. Per the Fair Credit Reporting Act, all information reported to a credit bureau must have validated proof they belong to the reported account. This is usually done with a validated signature and a copy of a current photo ID. I do not believe Wells Fargo posses either of those documents and therefore the accounts can not be validated and must be removed from my credit report.
I am filing this complaint because Equifax has fail to provide me with physical documents proofing that they have on file in regards to the Bankruptcy they place on my credit report. I needed to know what was going on with this information and contacted to court and can not get any information. According to Section 611 ( 5 ) ( A ) of the FCRA, all information must be promptly remove if the information can not be verified within 30-45 days. They have ignored my request to provide me with physical proof that their company have on file. Please resolve this matter as soon as possible.
I was a victim of a XXXX scam in which I sent {$280.00} to the seller through Wells Fargo, using XXXX. Immediately after the transfer was completed I contacted them to cancel the payment because I realized I had been scammed. Wells Fargo explained that because I had authorized the transaction and it had been completed they could not do anything, but suggested I contact local authorities. After learning the only authorities that would hear my case were the FBI, I investigated what my other options were. I found out that you could find out what bank the money was sent to by contacting your bank, and that upon learning which bank the scammer had an account at you could launch an investigation on that account. So, I contact Wells Fargo to get information regarding which bank the scammer had an account at. The scammers account was also at Wells Fargo. At which point I asked if I could launch an investigation or what the next steps were, only to be told that because I authorized the payment it did n't count at fraud, which is true it was n't fraud on my account, but the owner of the other account committed fraud, according to California Penal Code 484 ( a ). But Wells Fargo continued to tell me that it was unlikely I would get my money back, and that this account is valid. Wells Fargo is allowing criminals to use their accounts to conduct criminal activity, as is XXXX as there have been numerous account of scams that occurred through XXXX, and large forums of scammers collaborating on how to use XXXX for scamming.
On XX/XX/2018 my car was broken into and wallet was stolen out of the glove compartment. I immediately contacted my bank, deactivated my debit cards, and made a police report. On XX/XX/2018 I noticed a number of fraudulent checks cashed from my checking and savings account ( over {$14000.00} ). I worked with the bank, their fraud department, the Federal Trade Commission, and the police to dispute the charges. I subsequently was forced to close my checking account ending in XXXX. Around XX/XX/XXXX I contacted The XXXX XXXX XXXX Department and updated my direct debit details to reflect my new bank account information ( checking ending in XXXX ). On XX/XX/XXXX, I received a confirmation that my monthly loan payment would be withdrawn from account number XXXX on XX/XX/2018. On XX/XX/2018 I noticed that my loan payment was not withdrawn. I logged into myfedloan.gov and all of my loans were listed as " delinquent '' and I observed that the direct withdraw was attempted on the closed account ( XXXX ). I contacted customer service at XXXX XXXX XXXX XXXX and spoke to a representative who immediately stated " You are delinquent, would you like to make a payment? ". I explained the situation and she stated that the new direct withdrawal information would take a month to become active. Due to her explanation and my desire to never be late on a payment, I provided my new bank account information and agreed to a onetime payment of {$300.00}. I then emailed customer service and asked why I was provided the attached letter confirming my new direct debit for XX/XX/2018, if it would take a month to activate. I received no response. On XX/XX/XXXX, I noticed that a duplicate charge of {$300.00} was withdrawn from my new checking account for a total of {$610.00}. I contacted customer service and spoke to supervisor, XXXX ( employee ID XXXX ) I explained the situation and requested that the duplicate payment be refunded immediately. He offered no explanation for the mistake -- and went on to report that a refund would have to be issued via the Department of Treasury and could take up to 30 days. He suggested that I dispute the duplicate charge with my bank. I explained that I do not wish to dispute my federal loan payments, but that I will not pay in duplicate. He stated there was nothing more he could do. I inquired if a double monthly payment would satisfy next month 's dues and count towards the 120 needed for the Public Service Forgiveness program I am diligently pursuing. He stated that I could make a double payment this month and that it would still count towards the 120 needed. I asked that he document everything he told me in the conversation and send me an email indicating that 1 ) I remain eligible for Public Service Forgiveness 2 ) That I am in good standing on my loan payments 3 ) That I was charged twice this month for a loan payment which I made every attempt to ensure were paid on time and in full. and 4 ) that I will not be charged for next month 's loan payment. He stated that he would take 7-10 business days to provide me this documentation.

Thank you sincerely for your assistance.
On XX/XX/2017 while I was working at my home office I received a text message from Chase asking me if I had used my credit card ending in XXXX  for a {$2900.00} purchase at XXXX XXXX. I replied No.

Chase then told me my account was disabled. I called them. They asked me if I had my card and I believe I told them that I did.

However, this is an XXXX card that I have almost exclusively used for online purchases. I rarely carried it in my wallet and also rarely used it after the new XXXX card came out with 5 % off everything. My history proves this.

After the call I looked for the card but could not find it. I did not worry because Chase told me it was disabled.

A little while later I got a bill including a {$2000.00} plus charge at XXXX XXXX XXXX. I was stunned as I thought the card had been frozen. I did not make any purchase in XX/XX/2017 at XXXX. I have not been in one of their stores in years.

Despite my quick replies and calls to Chase I am being stuck with a charge that I did not authorize.

Please review my credit history and the history of this card. I have excellent credit and you will see the long term use pattern of the card is verified in this letter.

I did not make the purchase at XXXX XXXX XXXX and I do not believe I should have to pay for a purchase I did not make.

Does anyone have access to video camera footage at XXXX? It will prove me right.

I have filed a complaint with my state Attorney General 's office. They have told me to file a police report and to file a complaint with CFPB, too.
I submitted a Federal Consolidation Application for all of my loans, however, Navient only consolidated some loans making the consolidation ONLY benefit the bank, Navient. 

They consolidated only my oldest loans, from XXXX they only ones I also had payment history on. They did not combine any other loans and so the recent loans with higher rates were not included. 

There was no benefit at all for me the borrower, despite the offer that consolidation would benefit me. Here 's what happened instead, benefitting just Navient, the bank : they capitalized {$22000.00} in interest to the principal of the loan, lowering my credit score instantly, and they changed the loan date from XX/XX/XXXX to XX/XX/XXXX thereby ensuring I will be dead before any loan is paid off. 

US Dept of Education sent me this consolidation under the guise I 'd have lower interest, one payment, more options to pay it off but instead this has benefitted ONLY the bank! Finally, when I 'm on the Federal Student Aid clearinghouse website there is no appication to review and loans from XX/XX/XXXX prior have no MPN. How could the application just dissappear? 

I appreciate your investigation into why borrowers are being scammed by US Dept of Ed and Navient into consolidation that harms the borrower. I 've mostly been unemployed so this truly hurts me multiple ways.