WillisBack/dataset-financial-user-claim huggingface dataset:
My husband has been sick, We were in and out the hospital since XX/XX/2016. He passed away on XX/XX/2016. I am trying to deal with all money being cut off and then restated. I informed Wells Fargo of the problems I am having and that it would take some time to straighten it out. I have faxed the death Certificate twice to them.Our mortgage company WELLS FARGO is calling every 15 minutes. Today the lady informed me that they are foreclosing on the house. I consider this harassment after i have followed what they told me to begin with. I called them they informed me they needed Death Certificate Faxed to them
This is my XXXX COMPLAINT. I contacted CFPB this week and you have no record of my original complaint from XXXX : # XXXX. I paid this debt to XXXX on XX/XX/2014. I have attached that payment backup. I provided this to Southwest ... to XXXX ... and once before to CFPB. I absolutely refuse to pay this debt twice no matter how long Southwest Collections appears to be able to stall CFPB on resolving the matter.
I have been disputing the late reporting on my credit file since XX/XX/XXXX. I informed Transunion that the late reportings from XX/XX/XXXX - XX/XX/XXXX was inaccurate and they stated that they verified information with XXXX XXXX XXXX. I contacted XXXX via dispute letter and asked them for proof of late payments and they have not sent me anything to date. They just sent a letter that states credit report is accurate. I am asking for your assistance in rectifying this matter. Because these inaccurate late reportings is hurting my chance of a new home purchase with the interest rates.
In XX/XX/2018, the loan was in foreclosure and my home was scheduled for sheriff 's sale. The lender ( Santander ) reported the principal at that time was {$350000.00}. In XX/XX/2018, I paid the required reinstatement amount of {$68000.00}. In XX/XX/2018, I made another payment for {$8000.00}. After I made these payments ( for a total of {$76000.00} in payments ), Santander now reports the new principal is {$340000.00} -- a mere {$13000.00} difference? I understand that there are fees and penalties associated with foreclosure, but this seems excessive. Moreover, this practice is extraordinarily misleading, the reinstatement papers should have clearly disclosed that less than 10 % of my {$68000.00} would go to principal. 

The lendor ( Santander ) has failed to provide a clear breakdown of how the {$68000.00} was applied or how escrow was used. I have called numerous times and none of their reps will explain anything. Moreover, when I called in XX/XX/XXXX to inquire about the Santader 's receipt of the reinstatement amount ( {$68000.00} ), and asked when to resume monthly payments, Santander 's rep said that they had no info about the $ XXXX payment, that the loan had been " sold '' and that no additional payments were due- the rep said I'd be hearing from the " new lender. '' When I didn't hear from a " new lender '' by XX/XX/XXXX, I called Santader again, and was again told that they didn't have the loan. After hours on the phone, the rep finally determined that indeed Santander did still have the loan, but that a new account number had been assigned. The rep refused to provide any information on Santander 's receipt of the {$68000.00}, or how it was applied. The rep only continued to demand money and thousands of dollars in new late fees!
I am a XXXX year XXXX mom who has been driving for one year. I needed a car so that I could get to and from my full-time job. I found a used car dealer who also has financing. When I went to the dealer I was alone and thought I had enough basic knowledge about purchasing a used car. Well, after high pressure sales tactics I drove the car home. The very next day I went back to the dealer to return the car. They laughed and said that I could not return the car or get out of the contract. Worst part is they reminded me that if I do not make the payments they have a device on the car that shuts the engine off while driving. This seems so wrong on many counts. No XXXX else that bought a car has this device on the car. My credit was not even that risky it is just that I was only interested in a late model car, which new car dealerships do n't offer. What a scam. I purchased a 2004 chevy with XXXX miles on it that was only worth less than {$2000.00} for {$19000.00}. I gave {$800.00} as a down payment and they also forced me to buy an extended warranty that does not cover anything that broke on the car while I have owned it. The car has had many breakdowns including the brake lines breaking with my baby in car, along with a rats nest in the engine. The dealer claimed to complete a full all points ( XXXX ) inspection prior when the mechanic said all the breakdowns should have been corrected with an inspection. My payments are {$200.00} biweekly and if I am even late XXXX day they shut off the car engine by remote control. PLEASE HELP ME. I believe what I have repaired and paid for this car exceeds what anyone should have paid. I wish to either have my money returned or keep the car and owe nothing. Thank you for you time.
I fell be hind in payments to Navient on my student loan due to child support obligations. That loan went into default early last year rig ht as I was exiting child support.  XXXX  Funds is the Guarantor and I made an agreement with them over the phone to make monthly payments of {$210.00} which I have made 30 days in advance for over a year.. In   XXXX   XXXX   XXXX  hey started sending my payment back to my bank and told me it had been placed in collection with  XXXX   XXXX   XXXX . I researched this company and heard they could add fees and so I decided through studentloans.gov to consolidate this loan with  XXXX   XXXX . The payoff everyone  (   XXXX  and  XXXX   XXXX  ) agrees is just under {$11000.00}. But,  XXXX  Funds keeps sending a payoff to  XXXX   XXXX  on my applications of around {$13000.00}. I can not contact  XXXX  Funds apparently.  XXXX  and  XXXX   XXXX  said if I amke my monthly payment of {$210.00} they would remove a collection fee of {$2000.00}. But, neither of those entities now admit they added that fee. I just want to consolidate my actual debt of under {$11000.00} with  XXXX   XXXX .
My loan company, NationStar has not completed the following:1 ) Credited me my {$5000.00} incentive per Dodd Frank for making XXXX years of on time mortgage payments. 
2 ) Never provided me a copy of loan modification agreement at all especially XXXX with an adjustable rate. 
3 ) Never provided me paperwork showing I agreed to an adjustable rate. .. no regulation Z provided
XXXX called XXXX XXXX have put a collection on my credit report for {$450.00}. I have never heard of this company and I do not owe them or no XXXX else money. This is not my debt.
On my XXXX mortgage payment to Carrington mortgage services I made a paper check payment in the amount of {$470.00}, which was the full amount due. When I looked at my bank statement I saw the mortgage company withdrew {$1100.00} which was {$700.00} more than I wrote the check for. The mortgage company has refused to refund me the {$700.00} they took from my account without permission and they t have told me every week for 4 weeks that the money is in my account. I have sent them my bank statements showing the money is not in my account and have contacted my credit union to make sure there have been no attempts to put money into my account. The mortgage company is now telling me I am not eligible for a refund and they have n't even applied the {$700.00} to my mortgage account, so it appears they hare just keeping my money. Now any attempts I make to discuss this matter with them over the phone I am put on hold fro 20-30- minutes until I hang up from frustration. This has been a huge financial distress for me and my family as this was an entire week paycheck and has made it difficult to pay my normal bills and buy groceries and gas for the entire month of XXXX because of these missing funds. I made my XXXX payment as requested so obviously the {$700.00} was not applied to my mortgage account.
The debt was a result of an unpaid ticket citation from XXXX XXXX, Florida from XXXX/XXXX/XXXX. It was a red light camera ticket so no XXXX gave me a ticket. I never received a ticket in the mail, so I have no idea that I had a ticket. My license got suspended because of the unpaid ticket. I was not aware of the suspended license until I was pulled over by a police XXXX. I found out that the ticket was XXXX. So I sent a check out XXXX XXXX. The check went to XXXX XXXX XXXX XXXX XXXX and Services, XXXX. Box XXXX in XXXX, Colorado XXXX check was never cashed so I called the Clerk of the Court in XXXX XXXX XXXX I found out the ticket went to a collection agency, XXXX XXXX in XXXX, PA. I was never notified by XXXX XXXX that they took over the dept. XXXX, the XXXX turned into XXXX XXXX what I now owed XXXX. In addition the check was never cashed, at least not yet.
I have two consolidated loans that I am paying off. I took them out with XXXX XXXX and started paying them back late XXXX or early XXXX. Navient took over these loans in XXXX I believe. I have automatic payments since payback period took place and have never missed a payment. I look at my statements every month to see the total slowly going down. In XXXX of XXXX my statement said I owed {$49000.00} and previous statements showing this total going down each month. My XXXX statement said I owed {$52000.00}. {$3300.00} was added to my loan and I ca n't get an answer as to why. I have been paying back this loan for almost 9 years and now extra interest is being added on and Navient keeps giving me different answers. It has been 4 months since I 've started my inquiry. I have had 4 chat conversations of which I 've saved and 3 phone conversations. Every time I get a different reason as to why with no solution. In the end they tell me they are going to send it to their research team and I should hear back within 14 days. I 've heard back twice with a form letter explaining how interest works and a second letter saying Navient took over my loan from XXXX XXXX. Neither of which answers my question as to why after almost 9 years of paying back my loan they added interest of {$3300.00}. I talked to a supervisor yesterday who ca n't explain it and again she said she 'll send it to the research team. I do n't know what else to do. I received two answers saying my graduation date was changed in the national student database of which I then had XXXX University correct it. That did n't solve it. I 've had them say they do n't see an issue even after showing them my monthly statements. I 've had them say I was on an interest only paying loan which is n't the case when you look at 9 years of payments. I 've had them say it was on a 2 year graduated repayment loan of which I said how can that be since I 've been paying this back for 9 years. I 've had them say my last 9 years of statements were wrong and now it is right. I ca n't get a straight answer and it is obviously because they do n't have one.
Nelnet has consistently been a problem. Nelnet   XXXX    XXXX  &  XXXX  has been reporting errored information. I have never applied for student loans and to have an accurate errored account reporting monthly and I have been trying to remove this items for a year now. I 've sent letters, I contacted them and all I 'm told by these credit bureaus that they never received any documents.
I purchased a used vehicle from a dealer now out of business. 18 months after purchase car has complete mechanical failure. I called loan company to surrender vehicle and negotiate settlement on acct after they auction it off. Loan company refused to take possession and abandoned with mechanic. Mechanic is now forced to deal with issue. Fear loan co will put this on me even though I surrendered vehicle to them 3 times in 3 days. I do not deny I will owe monies, but expect loan co to try to recoup what they can from car to reduce amount owed. Fear they will not do this because of the effort involved. Mechanic expressed frustration with loan companies lack of professionalism and ethical mannerism.
XXXX XXXX, XXXX, i was repeatedly contacted by XXXX XXXX from Alltran XXXX or XXXX XXXX. I was left repeated voicemails to contact him regarding a collectipn of a debt. The calls came in at XXXX, XXXX, XXXX, XXXX, and I returned call at XXXX p.m. 

I was notified by XXXX XXXX that it was an attempt to collect a debt. He the said it was for XXXX XXXX, i then told him i was her mother snd would relay message since she was not available on my phone. 

XXXX XXXX, XXXX, i was contacted multiple times by XXXX XXXX XXXX. I recieved calls on my cell at XXXX, XXXX, XXXX, and also a message was left by him with the school secretary at XXXX p.m. ( see attachment ). 

I returned XXXX XXXX 's phone call and told him not to contact my place of work since the debt was not mine but my XXXX year old daughter, an adult. He then explained that he had permission to contact me from my daughter. 

I was really distressed by him calling my wotknplace and told him that it was illegal to contact someone whom is mot the debtor. He tried to tell me he hsd permission from my daughter to call me. She denies this allegation from XXXX XXXX. 

He said he would pit me on a do not call list but was called again at XXXX p.m. No voicemail was left. 

I would like for XXXX XXXX to provide an apology for his harrassment. Also, some sort of reprimand for his unprofessionalism and unregard for the U.S. law. 

The calls came in repeatedly from the following phone numbers XXXX ( XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
On or about XX/XX/XXXX I sent validation of debt requests to XXXX XXXX ( 2 XXXX accounts ), XXXX XXXX XXXX ( XXXX   account ) and Diversified Consultants ( XXXX XXXX ) I specifically requested that the collection agencies provide me with competent that showed I was legally obigated to pay for the negative collection accounts. XXXX, XXXX and Diversified sent me some old account statements from years prior but did not provide me with a original contract of indebtness ( contract ) while fully knowing they would need an original contract to prove my alleged responsibility in a court of law. I also ask for their Georgia business license number showing that they were legally able to attempt debt collection in this state. I was not provided any Georgia business license number or any information showing they could operate in the State of Georgia. XXXX, XXXX and Diversified continue to report the negative collection accounts as " accurate, verified '' on my credit report without providing me legal proof of their alledged verification which is a violation of FCRA and FDCPA. Furthermore XXXX XXXX is in direct violation of the CFPB XX/XX/XXXX Consent order number XXXX by continual refusing to show proof of alledged verification of debt and lying to consumers by telling them debts was verified while not having account-level documentation from their electronic purchases
On my wife 's credit card we are being charged a {$38.00} dollar late fee. The supervisor by the name of XXXX refused to give the {$38.00} dollar credit. I then requested a reduction in the APR from 24.65variable. The supervisor stated that this was the best APR! Really? 
Please have an executive of a call center manager review the case and credit the late fee and reduce the APR. We have a combined number of credit cards with Capital one.
I applied for a private loan to attend XXXX XXXX College. Started school XX/XX/2016 and tbe school closed down on XX/XX/XXXX. We showed up Monday XX/XX/2016 to find notices on the door. My lender kept giving me the run around on discharging my loans stating the school would find a teach out program. I have attempted to call several times. I have also been told please call at a later time as they are gathering concrete information from XXXX XXXX XXXX of XXXX XXXX TX. I was also advised XXXX actual lender was waiting to hear if we were offered a teach out. The teach out is through a University and they are not dealing with any private lenders. I feel this is unfair that we have to pay for a loan that we did not het an education ln due to school closure. 
I have this private loan with UAS loans for {$5000.00}
I am willing to settle the debt at {$10000.00} under a 24 month payment plan of {$430.00} per month beginning on XXXX XXXX, 2016. I have been paying {$250.00} per month for the past 14 months. XXXX had previously offered to settle at {$15000.00}.
I am in the process of closing on a FHA mortgage and I am financing the MIP. So instead of my loan amount being {$200000.00} it is now {$200000.00} including the XXXX % MIP charge. But I received my Closing Disclosure ( XXXX XXXX and although I am financing the XXXX % MIP, They are still asking me to bring that amount of money to the closing table. Can you please advise before I sign the closing disclosure and close on this loan. Thank you very much.
Ive called TransUnion on several occasions last time was this past Tuesday XXXX and I have sent multiple letters asking them to remove inquiries on my report that I did not authorize but they are not doing absolutely anything with regards to my request.
I had a verbal agreement with XXXX/Synchrony Bank to close the account and pay {$50.00} a month for 48 months ( interest free ) to clear the account. They never told me or send me any written agreement of the condition of the arrangement. After making few months payment I somehow missed a payment and they immediately cancel the arrangement without notifying me and started charging interest and late payments fee and cause a past due balance of {$290.00} which I made for XXXX XXXX.
A while ago someone opened a payday loan in my name. I have not opened any payday loan. I have tried contacting the credit bureau and I tried to contact the company, but they are not easy to get a hold of. It has been on my credit report and the company at one point told me over the phone they would remove it. It has not been done yet. 

Back when they say it was allegedly open we were under bankruptcy so we could not have take at a payday loan. the bankruptcy was Chapter XXXX and our lawyer told us we could not open a loan so we did not.
XXXX I filed bankruptcy following that the mortgage company had the mortgage withdrawn from the bankruptcy. I was not told to reaffirm so I didn't not knowing to do so XXXX we got behind on the payments due to illness. the company sent me a letter to talk to a hud financial adviser and could not reach with the numbers that were sent in the letter. I looked on line and found one and spoke with them and was told the company I am dealing with is a predatory lender and no longer owned the home. It could work out one of three ways, I could pay the home off and never get a title or I could pay the home off and then pay them rent cause they own it or because it is a double wide they could come and take it when ever they wanted. Then the man said I am giving my money away and to stop making payments. I am now still to this day liable for making the taxes and insurance because they are not taking the house out of my name. I spoke with the loan officer at my personal bank and because they are a predatory lender they didn't want to work with them either. In the middle of XXXX we ended up in court. I explained to they other attorney what I was told and they told me I don't get to live there for free then they wanted a monthly payment beyond what my family can afford option 2 was to pay it off or get out. We had to move out by XX/XX/XXXX and I have gotten no reimbursement and have had to pay insurance and making payments on a home for 8 years that I had no chance of owning. They now want {$12000.00} and when I want to buy it was {$23000.00} and would not work with me. I am now homeless and could use some help The Mortgage company is 21st Mortgage Corporation XXXX XXXX XXXX XXXX TN XXXX Phone is XXXX the Account number is XXXX Serial Number for the home is XXXX The Attorney that represented them is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX Thank you for your time.
XXXX XXXX in the amount of {$610.00} is reflecting on my credit report. This account has not be properly verified according to law. XXXX XXXX still has not sent anything to properly verify this account. No receipts, statements, proof of applying, proof of address that was associated with this account. And they are still allowed to have this on my credit report. 
Also, I have no contract with this company nor have I signed anything or have ever been notified. That is AGAINST THE LAW!
For all intents and purposes, the following will be referred to as " The Creditor '' herein : Chase Card ServicesXXXX XXXX XXXX, DE XXXX creditor has disregarded FCBA and concerning Consumer Protection Laws multiple times in the last 2 weeks. 

Below is a brief list of the Federal and State violations : *charge for goods that were n't delivered as agreed. 
*failure to post credit, while the investigation is pending. 
*charge for which an explanation along with a request for clarification is needed. 

Charge of {$26.00} with " XXXX XXXX XXXX '' was disputed with the merchant since the merchant started closing the food station within 10 minutes of seating us and told us that we had to leave soon. Since we were not provided enough time for the goods, we requested a dispute to which they refused. 

The charge was then disputed with Chase but the creditor refused to investigate/provide temporary credit/comply with FCBA, even though it was told that the charge is inaccurate because the the service/goods were not delivered. The merchant failed to present proof of its investigation and the specific reasons for it 's decision. 

I request that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement along with the record/corrective course of action adopted by Chase & CFPB to address similar violations with other consumers in order to avoid further scrutiny of the same by a private legal counsel and concerning agencies : Attorney General, Federal Reserve Board etc. 

Enclosed is a copy of letter by Chase.