WillisBack/dataset-financial-user-claim huggingface dataset:
I deposited a check with amount of {$970000.00} into my Wells Fargo checking account on XXXX. The check was issued from my XXXX account. The money had already been deducted from my XXXX account on XXXX. But Wells Fargo informed me that they 'll hold the majority of the money until XXXX. I wo n't be able to access the fund for another 8 days. When I called them and ask why they hold the money for that long, they told me the money is at the XXXX XXXX XXXX for clearing. My feeling is that they already got the money and try to earn some free interest on the fund. It 's the bank 's greedy to prey on their customers.
My mortgage company sold to a new loan company in XX/XX/XXXX. I called and also mailed XXXX XXXX my new mortgage Information. XXXX XXXX never updated the my loan information like I told them. In XX/XX/XXXX I received my XX/XX/XXXX loan payment back from the old company saying they can no longer accept my payment. I contacted XXXX XXXX  to send thr XX/XX/XXXX payment out to the new company and it is now XX/XX/XXXX and it still has not gone out. I have contacted them several times and they keep saying they are sending it. As of today I am 60 days delinquent on my mortgage payment and they are not correcting the situtation. Can you please help
I noticed my mortgage payment increased from {$1500.00} to {$1600.00}. This is nearly $ 120/month or $ XXXX/year increase. I called my insurance company and confirmed my insurance premium had not increased by that amount and it had not. I went online to confirm my property taxes had not increased by that amount and noticed that the XX/XX/XXXX tax bill for the city of XXXX had not yet been issued. Last year the amount paid was {$3300.00}. I confirmed this amount on the escrow summary I viewed on my mortgage companies ( Loan Depot XXXX # XXXX ) website. When I finally reached someone at Loan Depot to help me understand what was the cause of this increase in my monthly mortgage payment, I was told it was due to an escrow study that was completed in XX/XX/XXXX that projected a negative amount in my escrow account because of a tax payment that was scheduled for XX/XX/XXXXin the amount of {$3300.00}. This is the amount that I paid last year in atlanta city taxes but it was not paid until XX/XX/XXXX. Loan Depot has moved my expected tax payment date ahead by 5 months and as a result my escrow account monthly installments has increased to cover the alleged {$1500.00} shortage. I confirmed with the customer service representative that the funds had not been taken out of my account because i was concerned what was done with them because the county tax website shows that no amount is due nor does it even have an amount that will be due for XX/XX/XXXX. I asked Loan Depots customer service representative ( XXXX at ext XXXX ) to reverse the impact of this change to my monthly mortgage payment and return me to the amount that was previously being paid. HE said he would authorize my account to allow short payments until another escrow study could be completed. The time frame he indicated to complete that study was atleast 30 days. I expressed frustration with the time frame as well as the idea of short-paying my mortgage when they were not able to articulate to me why the projection had the payment being applied in XX/XX/XXXX for a bill that is always due in XX/XX/XXXX. This is the second time I have had an issues with this company and my escrow account. They failed to an installment between XX/XX/XXXX and XX/XX/XXXX and I subsequently incurred over {$100.00} in late fees which Loan Depot just paid out of my escrow account without notifying me. When i discovered this a year later it took filing a complaint with the CFPT to persuade them to reimburse me for the amount of lates fees that were paid from my escrow account because of their error. Please investigate this matter to the fullest because I can not help but think this is a predatory tactic they use to increase monthly mortgage payments on customers in an effort to charge fees and potentially foreclose on homes as a results of undue increase to peoples monthly mortgage payments.
I dispute this debt because I do not owe this money. I terminated my contract for Internet service with XXXX in XXXX 2014. I received an email from XXXX stating that if I return their equipment before the closing bill, I would not be charged. At that time, I returned their modem using the packaging and shipping label they provided. My closing bill did not include any charges for equipment. I did not receive any bills or notices from them since ending the contract. 

In XXXX 2014, I received a letter from a company called XXXX claiming I owed XXXX {$100.00}. I called XXXX and their representative said they had no outstanding dues on my account and that they were unfamiliar with XXXX. The call was escalated several times and took almost XXXX hour to complete as they checked various databases. After that call, I contacted XXXX to gather more information about this claim. They told me it was for an unreturned modem. I put this claim in dispute. In XXXX, 2014, I received a letter from them confirming that the account was in a " disputed status. " I received a letter from another collection agency called XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 2014. There was no verification of the debt or any tracking information about the shipping label that was provided by XXXX. I received your collection notice today. 

I do not appreciate having to dispute this debt this many times as XXXX continues to sell consumer information to different collection agencies. Upon searching discussion forums, I understand that there are many consumers who have been troubled greatly by a similar error.
On XX/XX/XXXX ; there were a slew of illegal charges on my credit account. A total of 8 charges totaling {$2300.00}. I called Wells Fargo that same day and informed them of it. The lady said that they would be taken off my bill and a new credit card would be sent. A billing statement later, I noticed that only half of the illegal charges were deleted but half still remained. There appears to be 4 illegal charges charged twice to my account but only the initial 4 were deleted and not the other 4. Subsequent calls and in person visit to the bank have been unsuccessful to correct this. They claim that I must pay for these illegal charges and there is nothing I can do about it. I do n't know where else to turn. I only use my card for paying my utility and some small purchases here and there.
XX/XX/2015 I filed a XXXX complaint against XXXX XXXX ( now twice ). First time they kept taking unauthorized payments out ( triple charging my account ) and kept getting notices that I did n't pay them. It was finally resolved that they would {$0.00} my debt due to the inconvenience they were causing. I get a collections notice XX/XX/XXXX from a different agency saying I owe {$140.00} on one of the accounts I should n't have to owe and the original creditor ( XX/XX/XXXX ) was demanding {$390.00} for the other account I did n't have to owe on. After the resolution on the XXXX complaint I NEVER heard back from this agency. I filed another complaint XX/XX/XXXX and the XXXX agent I was working with never heard from them and were not responding to communication. Today I get a voicemail from one of their agents saying he needed my address to send a refund check. I call him and he 's going around in circles, not listening to me, unwilling to understand what I was telling him. Playing recordings that I could n't even understand because they were so garbled over the phone. He used a tactic that 's appalling to just harass me. At this point XXXX XXXX has caused so many problems with my service connected anxiety and have wasted my time over and over again. They have shown their lack of professionalism and their willingness to use deceitful tactics.
On XXXX XXXX 2016, I was contacted by XXXX XXXX at XXXXXXXXXXXX regarding a XXXX in which I found off XXXX. Once I accepted the position i was told I would be helping by sending items to an orphanage. On XXXX XXXX 2016 I was once again contacted by XXXX XXXX with information on my first task which was to receive a check for funding to buy items for an orphanage, once I received the check in the amount of XXXX i was told to deposit it in my account in which I did so. On XXXX XXXX the funds where posted. Once I notified XXXX he changed my instructions on how to handle the funds, in which they, where to get cash from the bank and make a cash deposit into someone else account. I was very overwhelmed and told him I no longer wanted the job because he lied about the position I applied for, On XXXX XXXX 2016 XXXX then requested i deduct XXXX out of the money and send the remaining XXXX back to XXXX XXXX to opt out of the job. Being requested to do so i followed the plan as told and got a Cashier 's Check in the Amount of XXXX from my bank. Only days later to find out the Original Check he sent me was FAKE! Leaving my account in the negative XXXX. On XXXX XXXX XXXX sent me a text stating to contact him at XXXXXXXXXXXX because he had been hacked, only to realize it was apart of the scam process. I went to my local bank On XXXX XXXX 2016 and complied with the rules of making a stop payment on the Cashiers Check in which i was instructed to Sign an Affidavit and Indemnity Agreement my account was then taking out of the negative. Approximately one month later, On XXXX XXXX i received a notification that XXXX XXXX had been allowed to cash the Cashiers Check in which the funds warent intilted to her. I went back to the Local Bank and was told i would have to file a civil suit aganist her. Reminding you that i have no personal information or whereabouts of this woman but the address that was given to me by XXXX for returning the funds, and the initial account information I was told to transfer the funds to originally. I have been very stressed behind this situation and i feel as if the bank was no help at all after realizing they didnt actually put stop payment on the check knowing it was fraudulent from the beginning. Now I am drowning in debt!
I ordered a credit report for {$1.00}. A week later I was reviewing my credit card statement and Experian had charged me {$1.00} and then another charge for {$21.00}. I called and they said that by ordering a credit report that I had agreed to a 7-day free trial of a service from XXXX, a company that I have never heard of. They gave me 7 days to cancel or be charged monthly in perpetuity. Of course, since I did n't have any idea about a free trial I missed the window and they refused to refund my money. This is a TOTAL SCAM. Whatever fine print they had on the website can not stand up in court. I never agreed to nor was I notified. I thought I was doing business with a credit bureau. They slid this in unknowingly and thought they were just going to help themselves to {$21.00} per month forever??? XXXX using the Experian name to disguise themselves as a friend to consumers, only to then hit them with the exact same kind of fraud that Experian seeks to protect against.
As a result of a disputed and re-disputed transaction with XXXX involving XXXX credit card companies, Chase Credit card company deemed the transaction to be valid and now bills me for the disputed amount {$5200.00} plus interest which I strongly disagree with. The XXXX credit card company credited the amount of the disputed transaction submitted to them and has closed the matter. We never used any member product or member service at XXXX XXXX XXXX despite numerous attempts to book travel with them online because of dramatic inconsistencies with what was presented to us compared to online illustrations for actual bookings. The transaction resulted from a sales presentation that used bait and switch tactics representing prices and services that were not offered or available to members who tried to book services online after membership enrollment. These tactics were used to consummate the sale and smack of fraud. After membership enrollment, I could not access any services online at prices remotely represented in the sales talk. In fact, online XXXX per Diem prices were two, three and four times the average daily rates described in the sales pitch. Actually when NOT booking through XXXX, I found the same vacation stays priced more economically than online prices quoted by XXXX to their members. Also, incentives included in the membership such as a " dream vacation week '' were impossible to to reserve as dates and destinations could not be accessed as far as 1 and a half years out. Flight discounts excluded non-stop and one stop flights and air discounts touted were off the full price fares not wholesale rate discounts described in the travel club sales pitch. Once I digested all the issues connected to XXXX membership, there was no economic advantage to continue the relationship. The membership was sold as prepaid discounted vacation stays and instead would be travel costs were spiked to well beyond reasonable and totally outside the scope of the offering in the sales pitch. In fact, actual rates make the offering cost prohibitive.
I had called to change an address of a nonprofit organization I am operating. They then changed the address of all of my other linked accounts that can be viewed online including my personal home address. This information was also submitted to all credit bureaus and I was getting notices from them that there is a change of address. I was told they can not resolve the issue on the phone. When I informed the bank about the mistake and requested to get this straightened out, it took them nearly 3 months to fix this simple issue and only after numerous emails requesting this.
There is a debt on my credit bureaus from Revenue Group. XXXX {$3700.00} ) First I disputed the debt in which I was notified they would notify me once their investigation was complete, I have yet to hear from them. I asked for full verification not just to confirm my address. I want proof this debt is mine with verification of my signature stating I agree to pay this debt, any insurance payments or denials regarding this debt and verification where I authorized the original creditor to release my information to a third party. Revenue Group has called my place of employment on several occasions and they have been told not to contact me at work.
Recently, our mortgage account was transferred from XXXX XXXX XXXX XXXX to Caliber Home Loans. Caliber Home Loans have rejected our payment claiming that the amount due is {$45000.00}. We entered into a contract with previous servicer and is therefore binding. I have attached the repayment agreement on which i have abided by terms under the new contract. The contract states the repayment plan expires on XX/XX/XXXX, yet caliber Home Loans are requesting an amount the does not comply with our contract. Caliber Home Loans have engaged in Floridas deceptive business practices. The servicer continues to deny that such contract exist and moving forward with the foreclosure action. On XX/XX/XXXX, i have been making payments timely accordantly to the contract, however the foreclosure case was never dismissed. When a defendants enters into a repayment plan the foreclosure action must be dismiss because the defendants have entered into a loss mitigation agreement with servicer. The foreclosure action has not been dismissed and Caliber is seeking a sale date yet i have been making timely payments since XX/XX/XXXX. We ask the Consumer Financial Protection investigate this matter, it is clear on its face that Caiber Home Loans have engaged in Fraudulent banking and business practices.
I stopped receiving notifications regarding the balance owed to lender. Over the past previous months I sent several payments but they were not acknowledged. Please assist. History of payments : XX/XX/XXXX ref XXXX XXXX, XX/XX/XXXX ref XXXX XXXX, and XX/XX/XXXX ref XXXX XXXX. The first 2 money orders were from XXXX XXXX XXXX and the last was from XXXX XXXX XXXX XXXX.
The XXXX address is 18 yrs old. My address of record for the last 18 yrs is XXXX XXXX XXXX XXXX ny XXXX. Also my employer is The XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ny XXXX
I recently purchased a new vehicle and traded in my XXXX XXXX XXXX. The dealership paid off my existing loan with Credit Acceptance Corp on XX/XX/XXXX. I contacted Credit Acceptance Corp after that date and asked when I would get my refund of the over payment. They stated I will have it by XX/XX/XXXX. Not sure why it takes 4 weeks to refund someone an over-payment when they have it all on their books effective XX/XX/XXXX. 

I called about four times through last week asking about my refund and they finally told me that it was {$540.00} approximately. I asked when they check was sent they stated XX/XX/XXXX. They also sent a separate document that laid out the payoff. I received that document via regular mail on XX/XX/XXXX. The check was not included in that letter. I called Credit Acceptance Corp again and they stated that letter comes out of a separate department than my refund check but they were both sent the same day. To this day I still have not received my check. 

This complaint is being filed because they have had my money for over a month and continue to tell me its in the mail when its been 12 days and I still have nothing, it should have arrived the same day as the other document. I am starting to thing they are scamming me and do not have the money to refund me. I ask the CFPB to look into this matter to investigate for potential fraudulent activity by Credit Acceptance Corp.
This is a XXXX time filing a complaint against this company in the last XXXX years. They can not provide me with any written documentation in regards to this debt and the debt they keep referencing is already paid in full via a different agency. Any letters they do send contain different amounts. They keep calling me at work, threatening to send police and send me to jail. When my HR manager tried to contact them it was a scam phone line. If I still owed this I 'm pretty sure my current bank would not have gave me a loan to purchase a vehicle.
Chase mortgage is not waiving PMI when my loan is coming down to 80 %. No they say I need to pay {$400.00} for appraisal and then the loan value should be 70 %.
This company sent me an email stating they have tried to contact me by phone and by mail. I have received no calls nor have I received any mail other than the email I received today XXXX/XXXX/2016. 
I just want to know if this company is legitimate.
This company keeps calling me from XXXX and XXXX and they have called several times within a 10 minute period. Robo calls and repeated calls are against the law and I have to pursue legal action for every auto dial and robo call that has been made. The action is {$500.00} to {$1500.00} per robo call. I am requesting that they stop calling me before I sue for {$500.00} per phone call. This company did not send any validation as requested by the law.
I am the attorney representing XXXX XXXX XXXX in her modification and assumption applications with Ocwen. XXXX ex-husband, XXXX XXXX, has executed a quit claim deed transferring title to XXXX. Additionally, XXXX was awarded the house in the divorce decree. Furthermore, XXXX executed a written authorization giving me permission to speak with Ocwen about their file to help assist XXXX with the modification and assumption. All of these documents have been submitted to Ocwen. XXXX and XXXX both wish XXXX to obtain an affordable loan modification and get the home loan transferred into XXXX separate name. XXXX appears to qualify for an affordable loan modification. I talked with Ocwen representative, XXXX, on XXXX/XXXX/15 and his supervisor, XXXX on XXXX/XXXX/15. Neither were helpful. Representative, XXXX, ID XXXX was rude and had no consideration of the fact that proper documentation had already been sent it in and that the borrowers have been caught in this unfortunate situation for an unnecessarily long time due to Ocwen 's dysfunction. Furthermore, supervisor XXXX was unable to offer any helpful solutions other than to say that XXXX is not listed as a borrower on the account and therefore she can not apply for a modification or assumption until the account has been brought current. Essentially, Ocwen is saying that XXXX has no loss mitigation options available to her. I do n't know why they ca n't see my authorization, or proper documentation giving XXXX borrower status on the account, but I want it fixed immediately, and I want to be able to effectively communicate with Ocwen so all parties involved can move forward towards a mutually beneficial home-retention resolution that avoids unnecessary foreclosure. Ocwen 's staff repeatedly confuses the situation, fails to understand the status of the file, and in my opinion has proven to be negligent and completely incompetent. Supervisor XXXX stated position that XXXX needs to bring the account current before she can apply for a modification or assumption is incorrect and unnecessarily prohibits loss mitigation. Ocwen should be held accountable to applicable guidelines - HAMP, CFPB, XXXX all allow for this scenario of modification and assumption so that borrowers can avoid unnecessary foreclosure. Ocwen 's position discourages borrowers from saving their homes. This will continue to lead to wrongful foreclosures. This is unacceptable.
I had a debt of XXXX. I paid the hospital directly ( late ) on XX/XX/XXXX. On XX/XX/XXXX my garnishment started. To date I have paid in a total of XXXX. I received a refund check for XXXX for over payment. I called and talked to a customer service rep and a supervisor. They are telling me charges have been added on since the garnishment took place. I didn't realize they could keep adding on to the bill. I would love to find out who to request an audit of this company. I have looked up reviews and they are not good.
Equifax never gives me a free credit report. I try every year but for some reason I always have an issue. The only way I 'm able to get it is if I buy it.
I 'm a longtime Capital One customer and recently had a bad experience with paying off an auto loan. I recently paid off my auto loan and received very little information on what would happen next and never received my title. 

After contacting Capital One, I learned that I should have received my title in the mail within three weeks of paying off the loan. I followed up a month after not receiving my title or any communication regarding the loan from Capital One. After multiple attempts to contact customer service to follow-up, I was eventually able to speak with a representative who promised to send a lien release document that I could take to the XXXX and use to pay for a copy of the title. 

Six weeks after paying off the vehicle, I eventually received the lien release document. Today I took it to the XXXX and it cost more than {$25.00} to get a copy of the title. Instead of being sent the title free of charge, I was forced to pay out of pocket and spend about an hour ( not counting time on the phone with Capital One 's customer service ) to retrieve the title myself. From Capital One 's perspective, I 'm sure they would rather cut their own costs by sending a lien release document than spend the time and money to send the actual title, but it does not seem like a good faith practice to pawn these costs off on their customers. This is particularly the case when they in fact claim that a title has been sent. 

I know that Capital One has my current address because I receive promotional mailings from them and it 's up to date in their system. In addition to costing me time and money, I 'm worried that this is a widespread practice by Capital One auto loan department and that other customers are dealing with similar situations.