WillisBack/dataset-financial-user-claim huggingface dataset:
I have a car loan through Santander Consumer USA, I have had several deferments on my loan to get caught up. I also had my car repossessed without notice. I was advised in order to get my car back I would need to at least pay my car note payments current. Which I did. Since then have made my payments on time, however my interest amount and balance have only seemed to go up. I then called today XX/XX/XXXX to find out why if I just made a payment yesterday did my balance not go down nor my interest. I was advised I made a partial payment XX/XX/XXXX which has carried over. I first spoke with agent XXXX, then to Supervisor XXXX who informed me of this. I asked XXXX if my car was taken and I paid my car notes current, as well as had several deferments since XX/XX/XXXX do I have a carry over balance. XXXX first explained deferments only carry over the exact payment and nothing more. I advised him I was not informed of this in writing nor by the agent at the time of agreeing to the deferment. He then advised when I was told to pay my car note current to get my vehicle back that I was given a lesser amount. I again explained to him I was not aware of that and only paid what I was told, pay all car payments current. He said that is how it works and he can do nothing about that. I was also charged fees XX/XX/XXXX and no one can explain why. I have had this car since XX/XX/XXXX and my balance has only went up and not once has it went down. When I first spoke with XXXX I asked her why would my entire payment go to interest which she advised, she stated that from XX/XX/XXXX - XX/XX/XXXX I accrued {$530.00} in interest and she did n't know what the interest balance was prior to me making my payment. She told me to calculate myself each month on what I would be paying in interest.
Wells Fargo sent a letter advising of a systems change that was taking place and around XX/XX/XXXX XX/XX/XXXX of the month and that my normal payment would be taken from by checking account and it did, however they also took a second mortgage payment on XXXX/XXXX/16. This is causing significant issues with my checking account. I have called twice. The first time I called on XX/XX/2016 I was advised that they were aware of the issue and I would have my funds returned to my checking account within XXXX business days. I called today XX/XX/2028 since I still do not have the funds in my checking account and was advised that the funds were sent back on XX/XX/2016. I called my bank XXXX and they do not have any pending credits for my checking account. I feel this is not good banking business, who through doing this over a holiday week was a good idea? I have not been able to pick up a XXXX gift because I do not have the money and now it will cost a lot more to get. I want compensation of some sort as this is now affecting my ability to pay my monthly bills and issuing credit for fees will not be the answer.
I contacted Chase on XX/XX/XXXX after receiving a XXXX for tax year XXXX for a principle forgiveness. I spoke to XXXX XXXX to inquire as to why I was receiving another XXXX in XX/XX/XXXX when I had already filed my taxes in XXXX. Also, I was responsible for claiming the full {$24000.00} but the deferment is in increments of {$8100.00} for a total of three years. I stated I 'd only received one deferment so why did n't the XXXX reflect the amount allocated to me. I was transferred to XXXX in the mortgage department who transferred me to XXXX XXXX in Servicing Escalation department at XXXX XXXX. I was transferred at XXXX XXXX to Default Modification Escalation Department  where a case # XXXX was created to address my concern. I was advised I would receive a call back in 48 hours to no avail. I contact Chase on XX/XX/XXXX at XXXX XXXX and spoke to XXXX Escalation Supervisor regarding the case for my XXXX, if it would be changed to reflect the correct amount, or if they 'll take the full amount off the principle immediately. I informed her my next anniversary is in XX/XX/XXXX for the second payment to be applied to the principle. She denoted she was waiting on a follow-up request from the back end department and some one would call me back. I received a call back from XXXX XXXX from the escalation department at XXXX XXXX. He opened up another case XXXX with the back end department and they were the ones to send over discharge information to the IRS but will see how they wish to proceed. I 'd receive a call in 7-10 days. I contacted Chase on  XX/XX/XXXX at XXXX because I had not received a response and spoke to XXXX in the escalation department. She read XXXX notes which stated that the IRS request the full discharge amount to be applied during the year the modification was initiated. I expressed my dissatisfaction with the explanation because I 've filed taxes for the full amount and could possibly default but have n't and they 've sent the information to the IRS. It does n't make sense. Will I receive another XXXX for XX/XX/XXXX  & XX/XX/XXXX? Will the amounts be at XXXX is the question I proposed to XXXX? I was suppose to receive a call back by XX/XX/XXXX with a response and have not received a call.
On XX/XX/XXXX I paid the original creditor directly for an old utility company debt. Nemo 's collections did not remove their negative entry on my XXXX report but rather updated the status to paid as if I had paid them. On XX/XX/XXXX I sent Nemo 's collections a letter via certified mail letting them know that I had contacted the original creditor and made payment directly to them. As of XX/XX/XXXX Nemo 's is still reporting this debt as being paid to them which is false and a violation of the FDCPA. This needs to be removed immediately as it is severely damaging my credit rating.
I HAVE A COMPLAINT WITH WELLS FARGO ( XXXX XXXX ) CREDIT CARDI DID A BALANCE TRANSFER FROM WELLS FARGO TO XXXX XXXX CREDIT CARD, THE PAYMENT CASHED BY WELLS FARGO AND LEFT A SMALL BALANCEBUT ABOUT XXXX WEEKS WELLS FARGO STATING THE CHECK GOT REJECTED BY XXXX XXXX XXXX, I TALKED TO XXXX XXXX AND THEY SAID IT WAS CLEARED ON THIER END, I EVEN SENT AND FAXED A COPY OF THE CHECK TO WELLS FARGO, THIS ISSUE IS STILL NOT SOLVED, I EVEN HAD WELLS FARGO AND XXXX XXXX ON XXXX WAY CALL AND STILL NOTHING
I reported that I did not make this charges, authorize this charges, or have knowledge of this charge. I did not even know about this collection until I checked my report on XXXX  XXXX 3 months ago. I called the collection company and they agreed that I should not have been involved in this charge but all three reporting companies ( Experian, XXXX, and XXXX  ) are showing that : " We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE '' It should be illegal to place a derogatory report on my credit report that I am not responsible for or even was aware of!
I have been disputing the same fraud accounts on my credit file and experian is giving me a hard time with removing these items. I have spoken with rude people such as XXXX and never had a chance to speak to a supervisor as I requested. I have sent in and faxed in a copy of the most recent police report and yet nothing has been done. Experian is making it seem like this situation is all my fault.
Costco Citibank Visa credit card has started charging me and other consumers interest on purchases whenever you get a cash advance in the month even though I had paid the card balance in full for the previous statement closing balance. This is not how the terms of the Costco credit card are! I told Citibank customer service reps this should not be done, but they did not care to rectify it or interested in correcting it.      The initial Citibank rep could not understand it when I talked with her. This should tell you there is a problem here.
XX/XX/XXXX a creditor served somebody at my address and as a result there was a default judgment was issued. I have been trying to get verification of the debt because I think my ex-husband open this card in my name I tried to settle the debt and they would not give me the information in writing. XXXX they issued a garnishment against me and they did not call me to try and settle and XX/XX/XXXX they issued a garnishment against me and they did not call me to try and settle the debt or send me a letter. The first time I tried to settle that with them and did n't hear back I did n't pursue it because I had XXXX and I was in XXXX for several months and my daughter also had a baby.
I have on three occasions sent a letter to Rushmore requesting that I should not be paying XXXX instead of the monthly XXXX which I had been paying. They said this is the escrow for my taxes. They claimed that my taxes have gone up. How did my tax go up by XXXX dollars? I also sent a letter to them requesting that I will pay my own taxes but they have not done so and their agents keep harassing me about my payments. Rushmore is a third rate company that is trying to get more money out of me and others. It is enough to look at internet about the comments on them. I never signed any paper with the other company ( XXXX  ) which is now being sued that I agree to a payment of XXXX. Hud representative was also involved in the whole affair.

I demand that they reply to my letter and that I will pay my own taxes.
I applied for a {$50000.00} home equity line of credit with Bank of America. The BAC person said she made it for {$100000.00} so I 'd get a better rate. After waiting more than two months with no response other than them asking me if my dead husband still owned property on a street where he never owned property, I realized they were just jerking me around.. My house is paid in full and is located 15minutes from NYXXXX via car or ferry. My car is paid for. I received a letter of rejection from BAC based on " the debt being too high for my income. Considering that I only wanted {$25000.00} the monthly payment would have been under {$150.00}. I clear a minimum of {$2200.00} ... .my house and car are paid for and my health care insurance and costs including dentistry is free from my late husbands job. I have no debt other than {$2000.00} in credit cards that I used to have work done on the house while waiting for the BAC home equity loan. A tree 's roots were taking down a retaining wall adjacent to my driveway. BAC had no reason to delay their response for months and no legitimate reason to turn me down. They mention XXXX ... the only inquiries made of XXXX would have been by BAC. Also, when I took a new BAC credit card to a BAC bank for {$1000.00} cash, I was initially turned down because " the credit card '' that was never used " was bad. '' A manager corrected that. Overall, the discrimination is clearly based on my age. The house is valued at {$300000.00} and could be sold in a couple of weeks by any realtor if needed ... .good collateral for sure. My credit rating is XXXX with XXXX based on the reject letter from BAC.
They keep calling my phone before XXXX XXXX and they keep calling and harassing me I told them to stop calling my phone and they keep doing it. I finally looked up their information and it is XXXX XXXX XXXX in New Jersey. When I called them asked them to stop they asked who was I to tell them to stop calling my phone as well as when i told them I would report them they told me they would report me for I dont know what because I told them I know the company information and i will report them oh that was the agent XXXX and XXXX and one more. I just need them to stop calling my phone and waking me up at XXXX or XXXX XXXX which is against the law according to the Federal debt collection practices act since 1978
XX/XX/2019 I feel I was misled by XXXX from the very start of the program. I was advised no money down, no closing cost for closing. This turned out to be not true. My loan officer nor any of XXXX staff was present during the closing. My out of pocket closing cost, totaled {$9500.00}. I questioned this with XXXX prior to closing and was advised my attorney should go over this with me. However, she went over the documents provided by CitiMortgage showing what was my final closing cost. 

Please be advised CitiMortgage and XXXX hand department together is causing a hardship for me with the repairs they are requiring be done to my home. The home is already approved according to NJ State XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, where the property is located has issued violations on the property that is required to be repaired by XX/XX/2019 in order to obtain the Permanent Certificate of Occupancy. This residence is fully rented with myself living on the second floor. 

I am requesting my SCOPE of WORK be re-vised according to the City violations and not XXXX. I was originally told the home inspection could be waived, later told that was false. XXXX rehab department that works on behalf of CitiMortgage director is not allowing me to speak with CitiMortgage directly. I was advised by XXXX XXXX the director, I will be in default of my loan with CitiMortgage although my loan is no longer being serviced by CitiMortgage. 

The staff bullied me into agreeing to repairs they mandated were needed per the home inspection which were not true. The home inspection report does not list any issues with lead in the interior of the home. This will consist of the health and safety if the issue was identified in the property. 

The staff is not credentialed that are creating the scope of work and should not have forced these obligations upon me if the home was already approved by NJ. I am attaching the entire email thread of me trying to get this matter resolve with upper management. I also have emails from the beginning of this transaction. A licensed NJ contractor have advised on multiple occasions the required work is not needed. I also have had several other contractors who refused to work with XXXX due to terrible history of working with consumers and contractors. 

Thank you in advance for reviewing this matter. Please feel free to contact me at anytime regarding this matter. I have several email trails regarding this process from the very beginning. I am having severe anxiety due to this matter and would like it resolved.
I have repeatedly requested MOHELA to stop calling me on my cell phone and to stop calling me at my work. I also sent them an email asking them to cease and desist this harassment. MOHELA continues to do both many times every week and their calls always start with " This is MOHELA calling ... ". My coworkers often answer the phone and they have complained to me about this. I am afraid management will be soon talking to me about these distracting phone calls. But I have never, not once, told anyone at work about my student loan situation. But now they all know because all they have to do is look up the name MOHELA on the internet. And now my company and coworkers know of my situation. This is having a very demoralizing effect on me. Also, I had a XXXX of years ago and my XXXX is in a XXXX. ( MOHELA has been informed of my health condition ). This kind of XXXX is definitely not good for my health. My feeling of well-being is at its lowest ever. If I could repay my student loans, I would do so immediately. But I have been living at the poverty level for more that XXXX years now. Finally, I must say that taking out student loans is the worst decision I have ever made. But back then I did not fully realize what I was doing. I do not wish this kind of bad situation on anyone and would advise anyone to not take out these kind of loans unless they are completely sure they will get a job that pays enough for them to pay back the loans. The student loan program should be completely canceled.
Ocwen Loan Servicing : Need I say more? NOTHING has changed since the settlement. They are still using the same old tactics ; 1 ) Taking advantage of homeowners with servicing shortcuts and UNAUTHORIZED fees2 ) misconduct at every stage of mortgage servicing process3 ) Failure to timely and accurately apply payments made by borrowers and failing to maintain accurate account statements4 ) Charging borrowers unauthorized fees for default-related services5 ) Imposing force-placed insurance on consumers when Ocwen knew or should have known that they already had adequate home-insurance ( in order to get kickbacks from their affiliate " XXXX '', funnelling XXXX t XXXX6 ) Artificially inflating borrowers premiums by XXXX TIMES the cost of coverage7 ) Failure to release loan satisfaction papers if someone is lucky enough to refinance after THEY TRASH YOUR CREDIT SCORE8 ) Too many others to list hereXXXX )
Experian has fail to provide me with accurate and timely dipute results on negative unverifiable information on my report.
I reviewed my credit report in XX/XX/XXXX and noticed collection accounts that I do not recall. Therefore, I sent a validation letter requesting additional information to Deville Mgmt. I am requesting the send me an explanation and copies of any papers that show I agreed to pay what they say I owe. They claim I owe them {$540.00}. This letter was sent XX/XX/XXXX and I have not received a response to date.
I was charged {$170.00} for overdraft fees on XXXX XXXX, 2016. The bank held all my debits and presented them on the same day, beginning with a large check I wrote for {$15000.00}. As a result, I was charged {$35.00} for a {$1.00} item, another {$35.00} for a {$7.00} item, another {$35.00} for a {$34.00} item, etc. I realize that I am responsible for ensuring that I have funds available, and I review my online bank every day. My online reflects that funds were always available for all the items I presented, when I presented them. I have attached online screen prints. I can not afford to be charged this overdraft fee at this time. I was granted a refund of {$70.00} but need the rest of my money. I just purchased an investment property and plan to bring plenty more funds to the bank, if they show me that they value my relationship. I have never overdrawn my account before, and this all occurred because I was traveling and in the middle of the big purchase, so I may not have paid as close attention as I usually do. I maintain balances in my account well over the premier account requirement. I only recently changed it because I need to write another large check soon. As you can see in my account history, I also have other accounts that I would consider moving to TD Bank, if I am granted this one time courtesy refund to refund the entire {$170.00} I was charged. If not, please call me to let me know how to have all my accounts closed. Regards
Hi, yesterday I found all my chase credit cards were closed without getting noticed. I am very disappointed to what chase has done to me as a very loyal customer. I have never paid my credit card late. And I maintain my FICO credit score above XXXX. Chase is my primary creditor, I will lose all my credit history if chase decide to close all my accounts. My spending on credit card are very normal, no gift card purchase at all. I read through chase credit card agreements. I don't act any violation on any item on the agreement.
Every time I am trying to login to my account to make a payment the system does not let me do that. It does not let me to reset my password. When I call customer service they tell me to try again in 30 minutes. I know I am entering the correct credentials, because I store them in my own password database. This is a very bad practice of forcing customers to be late with the payment and charge them late payment fees!
I called Merchants Credit XXXX 3 times to request copies of the original bills, because the original creditor has no record of an outstanding balance. After the first call they noted on my credit report consumer disputes which i was not, all i wanted was copies of the bills to be faxed or e-mailed which they refused so they said they were mailing the original bills to date since XXXX i have not received the original bills in the mail. I then sent a debt validation letter via certified mail on XXXX XXXX, 2015 the company signed for the XXXX letters on XXXX XXXX, 2015. The company has not ceased reporting to the credit bureaus nor have they sent the bills that i have requested numerous times.
Requested accounts be verified as 100 % accurate and true and received a response that the accounts were 100 % accurate and verifiable a little over 30 days later. The accounts in question are being reported as open and with a balance but are closed, with no balance and never had any late payments nor interest fees. XXXX accounts for {$6000.00} are reported as {$9500.00} and {$9100.00} with a duplicate account reported as a XXXX and owe amount of {$8600.00}. The other XXXX accounts, both had an original amount of {$4500.00} are reported as open and owing {$5400.00} and {$5300.00}. All XXXX accounts are false!
Received paperwork from a Troy Capital LLC from a county I do not live in and nor do I know why they are trying to sue me
Our client XXXX ( XXXX ) XXXX applied for a short sale through Nationstar in XXXX of 2014. We have had XXXX offers to present to them since the beginning. Instead of reviewing and submitting offers to the investor they continuously put the home on an Auction website called XXXX to solicit for other offers. This is a scam for Nationstar to continue to milk the servicing of this loan and eventually foreclose. They have not received any better or higher offers and they have scared away every buyer we have had by asking them to pay the full offered price plus 5 % on top for a service no one wants to use. Why would a Buyer we have already procured go and bid on a home and pay more for the house? Whats ends up happening is they offer less to make up the difference in the cost. In addition XXXX sets the opening bids low and congratulatesBuyers when they " win '' the Auction. Then the bank turns around and tell us the bid was too low and the investor rejected the offer. We asked that they stop this useless practice and look at the offer at hand, they refuse. They have been sued in the past by other parties because of their fraudulent practices and we are asking that you reach out to them and request they take this matter very seriously. They are wasting the sellers time, every buyer who has come along, our time and the time if their investor. Thank you for your assistance!
On XX/XX/XXXX, I mailed two debt validation letters to XXXX XXXX XXXX, one to XXXX. Box XXXX, XXXX, TX XXXX and the other to XXXX XXXX XXXXXXXX, XXXX XXXX, MO XXXX. I will attach a .pdf of the exact validation letter, the document was received on XX/XX/XXXX at XXXX XXXX with no confirmation or acknowledgment having ever been mailed back to me since the company received my letter. I have already tried to correct this matter by filing a complaint with the Office of Civil Rights through The Department of Financial Services against the hospital and the debt collector, complaints number : XXXX & XXXX, and just recently, The XXXX XXXX XXXX on XX/XX/XXXX. They have no documents proving that the debt belongs to me, no itemized bill, and then there's the fact that the debt is also under XXXX XXXX XXXX, clearly, The Social Security Administration and The State of Florida couldn't possibly be mistaken in confirming that my name is, and has been for quite some time, XXXX " XXXX '' XXXX. XXXX has just recently posted a collection account to my credit report on XX/XX/XXXX for an unsubstantiated account on a patron with two insurance policies. How can they so boldly defy the constructs that govern their industry? It is impossible for me to have any outstanding debt from XX/XX/XXXX, my primary policy 's Family Deductible and the Annual Deductible was surpassed in XX/XX/XXXX due to expenses related to my XXXX. I have never seen a company so brazen as to kick an unemployed upstanding citizen while they're down and trying to care for their infant on a very constrained budget.
I have had several attempts to open a credit card with my information. I have been able to mitigate this impact with credit monitoring. 

My complaint is why cant I require a biometric security layer for approval of a use of my credit?