WillisBack/dataset-financial-user-claim huggingface dataset:
REFERENCE : XXXX XXXX XXXX XXXX XXXX, NJ XXXX FORECLOSURE STATUS XXXX/XXXX/XXXX We have placed a complaint that the above mentioned property is a " zombie property '' with CFPB Consumer Finance. The lender XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX NJ XXXX responded to the complaint stating that Select Portfolio Servicing Inc. took the servicing right of the loan on XXXX XXXX, XXXX. 
We are completing another complaint to include your company The address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX foreclosure status since XXXX The bank XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NJ XXXX has failed to foreclosure and failed to maintain the property. The XXXX XXXX XXXX XXXX XXXX would request that the bank complete the foreclosure process and maintain this property unit a new owner purchases this residence. The " zombie home '' decreases property values within the community and causes hardship for homeowners who wish to sell or refinance their homes. Thank you for submitting your concerns about the property listed above. Because we value our customers ' privacy, we wo n't discuss any account information with you without their permission. 

The servicing rights of the loan were transferred to Select Portfolio Servicing ( SPS ) Inc. on XXXX XXXX, XXXX. You will need to contact the servicer for additional assistance at : Mail : Select Portfolio Servicing , Inc Attn : General Correspondence XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Response We received your inquiry from the Consumer Financial Protection Bureau on XXXX XXXX, XXXX. We have completed our research and have mailed you a letter with our findings, and any next steps, if applicable.
-On XX/XX/2018 I informed Capital One about one of the transactions of {$610.00} that I had made with XXXX regarding filing a dispute. 

- I informed them that XXXX did not provide the services for which I paid and that they had agreed that they are going to refund me the amount after corresponding and taking up the issue with them. 

- Since they had not refunded me the amount, I want to proceed with filing the chargeback. 

- On XX/XX/2018 I saw the transaction charged again on my credit card. 

- Upon my inquiry I was told that I had to submit the documents with regards to my correspondence with XXXX and their agreement of refunding on it. 

- On XX/XX/XXXX I provided Capital One with necessary evidence to pursue the transaction with the merchant. 

- The confirmed the successful receipt of the documents. And that they will not require anything more at this point. Furthermore, if any more documents are needed they will get in touch with me. 

- Around XX/XX/2018 I called Capital One regarding the status of the chargeback and I was told that it is in process and that it is going to take 90 days from XX/XX/2018, which will be around XX/XX/2018. 

- Moreover, I was assured that my documents were complete and that the chargeback will be refunded in my statement. 

- I would like to highlight that I have never missed a payment and in fact have always paid off the outstanding in few days of credit as a bonafide customer. 

- Around XX/XX/2018 my credit line was increased by {$500.00}. 

- On XX/XX/2018 after waiting for all the 90 days to pass I called up Capital One again. 

- After more than 1 hour of back and forth and deliberation in the dispute department with their representative XXXX I was told that my chargeback has been rejected due to lack of evidence. 

- I asked him if that was the case- why was I not notified by letter or email. To which XXXX responded " I don't know ''. 

- I further inquired as to why upon my inquiry I am told about this refund rejection and that I was not told about the same when I submitted my correspondence documents with the merchant. 

- XXXX responded that he doesn't know about that too and that I have to resolve this directly with the merchant XXXX - I asked him to put me through their Supervisor and after 30 minutes further deliberation I was put through to a female named XXXX. 

- Upon my inquiry she further told me that she has no idea of why I was not sent the documents of rejection or a letter stating the same. 

- She said she will study my case and call me back within 24-72 hours.

- Todate it is over 5 days and nobody has contacted me from Capital One and I have received no correspondence regarding my chargeback. 

- Instead I received a new card of pre-approved offer. Do you want to rip me off again? Just because I am a good customer and that I always paid on time. Do you want to trap me further. I need an explanation for this. Why you could not address my cast while sending me this offer. 

- All my inquiries and requests have been ignored and neglected. My credit line has been misused without my knowledge and consent.
On XX/XX/XXXX, I chatted with a Customer Service Agent. I had a question about what Cap 1 calls an " interest saver payment ''. It said : Payment due is {$95.00} ; but the " Interest Saver Payment '' due was {$590.00}. I had a recent refund of {$500.00}. So, because of this I was wondering why the {$590.00} was due and not {$95.00} ; as any other consumer would interpret this {$500.00} refund in American Currency made to Capital One as a form of money, therefore count it as a reduction in the amount owed. Going through 2 customer service agents via chat, they both said that the {$500.00} refund goes in as a " credit '' and therefore does not COUNT as a " payment ''. Here 's my question, if that was the case, what would happen if I only owed them {$590.00}, and there was a " credit/refund '' of {$500.00}, would they still require me to pay the {$590.00}? Because, if they would using the same argument, then I would have a CREDIT of {$500.00} AND THEY WOULD OWE ME {$500.00}, which they would have to REFUND AS ... .. AMERICAN CURRENCY. So the argument just seems to be a sneaky and unfair business practice. A refund should count as what it is, currency.
I was approved for a XXXX dollar loan and denied the XXXX dollar loan. I did accept a lower amount. The loan in the amount of {$12000.00} was added to my loan account and is included in loans that I am paying back. When I contacted the loan company ( Navient or maybe XXXX XXXX at that time ) about the issue they said it was the schools mistake and has to be resolved there. When I contacted my school, my school said to contact the loan company. The issue was never resolved by either and I am paying back {$12000.00} dollars that I do n't owe.
I have a XXXX or XXXX and XXXX. Both card are consolidate as XXXX card with a balance of {$7400.00}. Due to changes in my military status, I am no longer a monthly paid XXXX since XX/XX/XXXX. The hardship of paying bills become harder and I had to resort to payday loans. The end result is my XXXX was unpaid for several months. 
here is my complaint, I was to receive my XX/XX/XXXX tax return of {$530.00} to be released on XX/XX/XXXX. I never received my refund. I was advised by the IRS automated system that my refund was paid to Transworld System Inc ( TSI ). I made inquiries to TSI and I had asked why is my refund taken. Customer services proceed to say to make payment arrangement. When I inquired why I never received a letter on this collection. They proceeded to say " no letter was return. '' I continued to asked more than 3x for a copy and the proceed with the excuse " no letter was return. '' until XX/XX/XXXX, I have receive an envelope with copies of transaction and a non legible or a very poor scan copy of letters sent to me in XX/XX/XXXX from XXXX. The letter is dated XX/XX/XXXX and the letter gives me 60 days of the date of the letter to sign an agreement for payment arrangement or a Treasury Offset Program will be implemented. 60 days from XX/XX/XXXX will not be until XX/XX/XXXX. my refund was taken from me to early. This violates the letter I never received. I spoke to XXXX customer service on XX/XX/XXXX to gather some information and I spoke to XXXX. She explained to me that various service members have lodge complaints with TSI, so why has nothing been done to rectify these complaints with TSI. TSI is punishing me with there high interest rate with a balance I checked back in XX/XX/XXXX of {$12000.00}. today this balance has gone up to {$13000.00} TSI has lied to me regarding letters sent out in XX/XX/XXXX. TSI has made it clear that I can not pay a single payment of the current balance due my credit report. Why has the FTC stopped this practice if various service members including myself being punished and my credit report will effected since collection will be on going and if I can the balance off in so many year, my credit report will still be negative for another 7 years because of the unauthorized collection practice and interest charges XXXX has suggested to me to inquire with TSI for hardship but the representative only laughed at me and said there is no hardship. I will soon receive my military retirement then my Social Security retirement. TSI will collect all my entitlements and leave me nothing to pay my mortgage, utilities and food. this is unfair to me since someone has given them rights to take this action.
I have had a lot of life event 's and have reached out to Nation Star Mortgage / Mr. Cooper. Their location in XXXX, TX. XXXX XXXX location. I have just figured out that Mr. Cooper along with a company called XXXX " The mortgage is in my spouses name and has been diagnosed XXXX. I have been the co - contributor and the co-borrower. Nation Star and our dedicated loan specialist have instructed me to list myself in this fashion. During the loan modifications. We have asked XXXX XXXX XXXX to asst four times. 
I didn't realize in the paper work we sent them every time that was always lost. We had given permission to access credit bureaus and every single detail of our private history. 
Medical, insurance, social security, everything. I'm appalled, that they got assistance from another company that is affiliated somehow and double hit both of us with hard inquiries. I am accusing them of tampering with my ability to obtain credit and move away from the company.. 

I also know that the P M I insurance has paid them {$180000.00} and we have paid approximately {$20000.00} since 2010. I have asked them for the payment history and who the lender is. We always get contradictory information and statements.
Between XXXX and XXXX 2017, Equifax was hacked for over 140,000,000 credit reports. These reports included social security numbers and birth dates, everything needed for successful identity theft. This can have enormous repercussions if this data are ever used to forge my identity, and I must protect myself accordingly. Given the size of the US population and the number of individuals with credit information, it is highly likely that my identity was compromised in this hack. This high probability mandates that I act as if my information was stolen due to the negligence of Equifax in storing my information in an insecure manner. They should not have disclosed my information ( knowingly or unknowingly ) to anyone but me. 

This data will be in the hands of those who stole it for the rest of my life. Given that my social security and birth date will not change ever, this puts me at risk for identity theft for the rest of my life. In order to protect my identity for the rest of my life, I need to purchase ID surveillance software in perpetuity. The cost of standard packages is $ XXXX/month. Given that I am XXXX years and XXXX months old, and the social security administration estimates my lifespan at 82.2 years, this means I will need to pay for this service for an expected 54.7 years, which is a total of {$13000.00}. I would like this money given to me now to compensate for this negligent improper use of my financial and credit information.
i Sent certified letters to the credit bureau over a the course of time for the last 3 months and haven't received any responses
Pursuant to FCRA I am writing to your company today to advise you of ID Theft resulting in fraudulent accounts/inquiries on my credit, you are required to investigate any negative and/or derogatory listing which I submit a dispute on. When I have notified you of the following information the proper action has not been taken. A proper investigation has yet to take place, if this complaint is closed without proper action being taken by your company. I will seek legal means to take action against your company through the judicial process. I have sent all paperwork necessary for a dispute with Transunion, including an affidavit, police report, letter from the DA, and a cover letter on which accounts I was a victim of identity theft. I mailed them US priority mail, I have yet to get a response back. The police report and the letter from the DA verified that I have had numerous accounts that had been opened fraudulently while serving in the US Military. There have also been countless inquiries considering the accounts/inquires were opened and or requested without my knowledge or consent FCRA requires them to be removed within 30 days. If this is not done it is punishable { {$2500.00} } per offense. I will seek the maximum allowed by law if the following accounts/inquires are not removed within 30 days for receipt of this complaint. First I want to address the is the collection account XXXX from XXXX XXXX. Second I would like to address XXXX from XXXX XXXX XXXX XXXX This account was mine, however, I was never late! And, I paid it off. Please refer to my XXXX and XXXX credit reports that I have attached for verification. Third account # XXXX from XXXX FI. This was not me and is fraudulent. Fourth account # XXXX with XXXX XXXX. This was not me as well. Fifth, account # XXXX that was originally with XXXX and now is with XXXX. Again, this is not me and I 've sent documentation from local law enforcement proving all of these were identity theft. Sixth is account # XXXX that was originally with XXXX and now is with XXXX XXXX XXXX Seventh is account # XXXX that was originally with XXXX and is now with XXXX XXXX . I have never even been to this place. Eighth is account # XXXX that was orignally with XXXX and is now with XXXX XXXX . Again, I have never been to this place. Ninth is account number XXXX with XXXX XXXX. I have sent notice to the companies directly and they have been ignored so under FCRA these all need to be removed and/or fixed without further delay. As a credit reporting agency when a company fails to provide PROOF which they are not able to do ( The addresses and phone numbers on these accounts do not match my own or the companies simply will not provide the information ) the accounts must be removed BY THE CREDIT BUREAU under FCRA.
I filed a complaint years ago an the account was supposed to be marked not to create an escrow account without my permission. ( case XXXX ) I called in to try and resolve and the rep refused to transfer me to a manager or the office of the president after I provided all the information requested. I did not and WILL not be ok with bank or america creating an escrow account. I pay my taxes directly. I pay my insurance directly. The only taxes due are the current year taxes and the year is not out.
Received an online payday loan and have been placed on medical leave with XXXX XXXX Now only receiving XXXX of my income on XXXX I am in Nebraska I am afraid to contact the online company and they keep charging XXXX a month fees So I borrowed XXXX now it is up to owing over XXXX I want to contact a debt relief company to help me deal with this Wanting to know can this company charge these fees and interest in Nebraska for an online Payday loan Thanks
accident / incident reported on my transportation Employment History. ( Hireright ) On XXXX/XXXX/2015 a accident was reported upon my history as a preventable Accident. this is untrue i was not at fault for this accident. and the reporting of this accident as preventable is damaging my person as to employment.
On XXXX/XXXX/XXXX I made EXPERIAN aware of an account that was the result of fraudulent activity. They responded to my complaint by advising me that there was no action for them to take because the account did not appear on my credit report. I have reviewed a recent copy of my credit report and the account has been displaying since XXXX.
I have a checking account with key bank. They are supposed to update my direct deposit and bank balance with XXXX XXXX ( a third party that I have authorized access to that information ) Key bank is not sending timely updates as they are supposed to.
I am a subscriber to TransUnion Credit Monitoring. An important part of my subscription is the Credit Lock / Unlock function. The Credit Lock / Unlock function works like a Security Freeze, but it is NOT a Security Freeze. I do NOT have a TransUnion Security Freeze in place and have n't had for many years. 

My TU credit file is locked. I used the Credit Lock / Unlock function to lock it a while back. Yesterday when I applied for credit, the creditor told me it was locked. When I pulled my own credit report copy via TransUnion Credit Monitoring, my credit report specifically states it is locked. 

However, when I try to unlock my credit report, the Credit Lock / Unlock function in my TU Credit Monitoring states it is already unlocked. This is false. So, I proceed to lock my credit report since I am told it is unlocked, but the operation fails. It has failed now for over a week. 

I called TransUnion Credit Monitoring several times. They stayed they have technical issues and will solve them within two days. They lied. It has been well over a week and the issues persist. 

Today I phoned again. The representative was in an overseas call center in XXXX. The representative was an XXXX and argumentative. Her employee number is # XXXX. She told me I have a Security Freeze on my file and need to go through the process to lift a Security freeze. That 's why, she claims, I can not manage my credit report lock status using the TU Credit Monitoring. The fact is I do NOT have a freeze. My credit file is LOCKED, but I can not unlock it nor can I lock it since it erroneously shows it is unlocked. I asked the representative to speak to a supervisor, but she refused.
Money transfer MONEY GRAM reference number XXXX, made in XXXX/XXXX/16, I request cancelation of this for {$650.00}, is XXXX/XXXX/16, they do n't refund my money to my debit card, I call they say was already credited to my account, I check to the bank online shows no credit, the money gran agent said, now my problem is with the banck, IM NOT agree with that, is bad service, this is not ok, they took your money in minutes then refund take long days, please investigate this..thanks
I purchased a vehicle from a company called XXXX XXXX XXXX XXXX. XXXX, FL XXXX. I paid exactly {$23000.00} CASH in XX/XX/XXXX for an XXXX XXXX. The company at the time unknowing to me was under some type of bankruptcy. I wrote the check out to the car dealership instead of the bank. The car dealership NEVER reported to the bank that I purchased the car in cash, instead they wrote it up as if I was financing the vehicle. I ended up paying the bank the full amount in XX/XX/XXXX just so that they can stop reporting to the credit bureau negative information. It now shows a repossession on my credit. I had to get a lawyer to threaten the dealership to pay me back my money that they took and never paid the bank with. They Finally gave me {$21000.00} back ( not the full amount ) however it shows on my credit report Repossession on all 3 bureaus. 
In conclusion, I purchased a car for {$23000.00} from a car lot. The car lot failed to pay the bank. Instead the car dealer created fraudulent documents stating I financed the vehicle. I obtained a lawyer to file a lawsuit, and the car lot then wrote me a check for {$21000.00}. It shows repo on all 3 credit reporting agencies when it should have never been on my credit because i paid cash for the vehicle.
Wells Fargo has discriminated against VA home modification false information, We have lived in home since XXXX, we did go bankrupt XXXX did not list are home are lawyers told us we did not have to reaffirm, We made all payments, until we had ask XXXX XXXX XXXX if he could help get Wells Fargo to give us a home modification.Wells Fargo told us to stop making payments for 3 months, everything was done VIA mail.They had put we went bankrupt XXXX we did not.XXXX XXXX is co- borrower on Home.They would not acknowledge this.Are credit report shows no payments every made on are home we have made every payment until they had told us to stop XXXX/XXXX/XXXX? also took equity out of home to make up for 3 months we missed, said in there letter that they could change terms when ever they wanted. we were stuck as being 3 months without making payments they could have taken house away,XXXX security Instrument on Home through VA.
I wrote to Equifax, notarized and certified mail. Stating that there are inquiries that I do n't recognize and I did n't authorize or signed any documents. Therefore I want them deleted, they wrote back stating that a third party may access your Equifax credit file to assist in the underwriting of your request for credit.
I have a hard inquiry report on my XXXX on XX/XX/2017 from Clarity services Inc. This was unauthorized by me. The company illegally obtained my credit report without my authorization. I do n't even know what this company is or does. I do n't know how they were able to obtain social security number.
Beginning in XXXX 2016, I have been attempting to close the remaining account from my deceased parents ' estate. I called WELLS FARGO BANK to find out what they needed from me to withdraw the funds and close the accounts, then visited a branch bank with the requested documents. An important document was the XXXX Small Estates Affidavit prepared by my attorney to give to banks permitting me to distribute small assets such as the Wells Fargo Bank checking and savings accounts. Wells Fargo Bank informed me I could use the affidavit for a savings account that had less than {$300.00} but not for the checking account which had about {$25000.00}, because the balance exceeded the acceptable limit for small estates. When I asked what the limit was for small estates assets I was told by the branch manager she thought it was {$2500.00}. I did homework online and discovered from a State of XXXX website that small estates affidavits are used for personal assets valued up to {$60000.00}, far more than the checking account balance. I returned to the bank with this information. Wells Fargo Bank then created another reason to deny me access ; they said though my parents last resided and died in XXXX, because the account was created in XXXX I needed XXXX court documents to permit me to act as agent. My attorneys in XXXX and XXXX both said Wells Fargo Bank is wrong. I confirmed this by calling the XXXX XXXX, XXXX XXXX office. Meanwhile Wells Fargo Bank froze the account assets. The bank 's requirements described here were communicated to me by the bank 's legal department through a branch employee. My request that my attorney be conferenced into a call to the bank 's legal department was denied. Wells Fargo Bank will not permit me or my attorney to speak to their legal department, I was told only bank employees can do that. Instead I or my attorney can WRITE A LETTER to them. The issues that I want resolution on and I am alerting the CFPB of are as follows. 
1 ) WELLS FARGO BANK must permit me to act on the Small Estates Affidavit by removing the assets and closing the checking account. 
2 ) WELLS FARGO BANK appears to be drawing out this process by not informing me of all the requirements at once, instead, repeatedly informing me of another requirement after I meet previously stated requirements. 
3 ) WELLS FARGO BANK was not forthright when it initially refused the Small Estates Affidavit, informing me the account value was too high when in fact the value was far below the State of XXXX limit. 
4 ) WELLS FARGO BANK is impeding a resolution by denying me and my attorney the ability to speak to the legal department directly. By all appearances Wells Fargo Bank is attempting to slow the path to a resolution with intent to hold onto my parents ' assets longer than legally justified.