WillisBack/dataset-financial-user-claim huggingface dataset:
PennyMac USA failed to pay our real estate taxes due XX/XX/XXXX. They told us that the local taxing authority told them it was already paid. Our local authority disputes that and said that the bank never called them, nor do they ever. I now have a delinquent notice which I faxed to them yesterday and they can not confirm that our taxes will be paid, nor when they will be paid. They only tell me the next scheduled payment is XX/XX/XXXX and they will try to get it escalated. These taxes need to be paid immediately. I 've spent two hours on the phone with them and I am at the end of my rope. The tax department does not take phone calls and they offer no assurance that I will be notified if and when these taxes are paid. Meanwhile, I am listed as delinquent with the local authority which is embarrassing as this is a small town. There is more than sufficient funds in escrow.
On XXXX XXXX, I was given a payday loan from north star finance llc/north cash for XXXX dollars.. In my state of XXXX XXXX loan lender has to be licensed with the Illinois department of XXXX to give payday loans but this company is not licensed in the state of Illinois to give XXXX payday loans therefore making this loan illegal under Illinois XXXX XXXX XXXX XXXX XXXX of the payday loan reform act ... XXXX XXXX XXXX charged XXXX annual XXXX on the loan which is in violation of section XXXX of the Illinois payday loan reform act which XXXX loans can not charge more than XXXX per XXXX dollars loaned as interest.. as of today 's date I have paid XXXX dollars on this illegal unenforceable loan in the state of Illinois per the XXXX XXXX XXXX XXXX XXXX XXXX XXXX which states this company has no right to collect, receive and principal, interest or charges related to this loan.
I opened my Home Depot CC on XX/XX/XXXX and bought {$2900.00} worth of material for my house on a 0 % for 24 month offer. I made the minimum payment in my statement until I knew I was going to pay it all off in full before the due date XX/XX/XXXX. Because I was naive to the fact it was mandatory to pay the minimum I was late paying in XXXX, XXXX and XXXX. I paid the card off In full in XXXX. It was an honest mistake and my first 60 and 90 day late payments on my credit report. I 'm asking to get those removed so my score goes back to normal so I can renew my business with Home Depot. Thanks!
I never owed On-Line service any money and I asked them to prove how I owe them and they haven't. I finally got them on the phone and they said they would not delete the info even though I never owed them and they don't have any documentation with my signature, a copy of my driver 's license nothing at all to support this debt. 

After going and back forth with them they said the only way to get this deleted off my credit was to pay them. So, I paid it as it would be cheaper than getting a lawyer and going back and forth to court. A year later it's still on my report as a collection opposed to not deleted. Which is the same as not paying. 

It was a classic bait and switch to get me to pay them. 
ACCOUNT NUMBERS # XXXX, and # XXXX
This is a complaint regarding a dispute I submitted to Equifax regarding an inaccurate, erroneous  Tax Lien reporting illegally under my name on my credit report. I checked the Equifax website Check S tatus of dispute section and it states that I submitted my dispute on  X/XX/2017   , and it states that completion date scheduled was  X/XX/2017   .   However, it states that the dispute is still " PENDING '' after more than 97 days as of today    XXXX      XX/2017 .    Equifax has illegally surpassed the 30 to 45 days allowed to investigate a dispute under FCRA 611.     This Tax lien is erroneous and inaccurate and should be deleted immediately.      1   ) T ax Lien - #  XXXX
I have student loans through XXXX. I have submitted documentation to re certify for the income based repayment plan. They denied and said I needed to send in my XX/XX/2017 tax info. I did do that online, but went ahead and sent it in again and I got conformation it was received. I was checking my account on line and I saw the payment was {$390.00}. So I called and talked to someone about the amount was too high. He suggested doing a forbearance and for the month of XXXX and by then the re certification should be done and payment should be lowered. So I agreed and hung up. I checked my account the next day it showed I owed {$280.00}. and my payment was late. Which was not true I made my payment early before the due date and the amount was {$190.00} which was the amount I have been paying for the past year or so. I called and talked to someone and told them the amount was wrong and there should be a forbearance and it should show that I do not have a payment due. He was trying to tell me I owed back payments from XX/XX/2017. I asked to talk to a supervisor and he would not let me and said he had it figured out and that was it. I later called back because I did not believe him. I talked to lady and she tried to tell me I was not paying the right amount and I told I was and asked her to look at my statements. The reason I figured I was being charged this {$280.00} was it states interest is being recapitalized such as when a loan goes into repayment or if there was a deferment or forbearance. So that what I could see. Which is a problem because I was not in any forbearance before I made these phone calls. The lady I was talking talked to her supervisor and it should not have been there and they were putting in for a reversal. So far it has not. The agents did not seem helpful and tried to accuse me of not paying the right amount of or saying I owed something I did not. I have had trouble with XXXX XXXX when I first started with them. I am part of the loan forgiveness program and they are my only option. So I am frustrated and disappointed. I hope someone can help me.
Bank of America is not applying my payments that are over the minimum required payment to the highest rate balances.
I purchased my home in XX/XX/XXXX where Nationstar became my service provider, now Mr. Cooper with the name change. There was a payment of {$4600.00} for the XX/XX/XXXX property taxes from my escrow account when in the closing costs, that was to be paid for by the seller. This caused for a shortage in my escrow when the Escrow Disclosure provided at closings have me at a surplus, especially since my taxes in XX/XX/XXXX went down to {$4100.00}. According to XXXX County records, they received the payment for the XX/XX/XXXX taxes from XXXX ( the sellers lender ) on XX/XX/XXXX. There were some transfers between the County, Nationstar, and XXXX in XX/XX/XXXX, then Nationstar paid the county {$4600.00} on XX/XX/XXXX resulting on an overpayment. There were more transfers between the 3 parties with the final transfer on XX/XX/XXXX. XXXX was eventually refunded the overpayment because it looks like Nationstar did not accept or appropriate those funds to my account when they should not have made the payment to begin. Based on closing documents and loan termsNationstar should not have paid those XX/XX/XXXX taxes. I believe that I am entitled to a refund of funds in my escrow account, and I have not received them. I placed multiple phone calls to Mr. Cooper and XXXX XXXX, a manager based in Texas, said she was going to provide that refund by contacting XXXX in a conversation I had with her on XX/XX/XXXX at approximately at XXXX XXXX ( CT ). I called on XX/XX/XXXX to for an update on that only to have the customer representative, XXXX XXXX also based in Texas, that they did not follow up with XXXX. Instead, XXXX XXXX just put in a request for more " investigative research ''. A new escrow analysis is required after correcting the escrow accounting error since my property taxes went down from {$4600.00} in XX/XX/XXXX to {$4100.00} in XX/XX/XXXX, while my mortgage payment increased by almost {$400.00}. It makes no sense that my payment increased while my taxes went down. Every time I call I get the same answer from Nationstar ( Mr. Cooper ), that I should contact XXXX for the refund. I have done that and the response from XXXX is that they can not give me information about that property because the loan was not under my name, it was under the seller 's. XXXX did say they are more than willing to talk to Nationstar ( Mr. Cooper ) about those funds and when I tell Nationstar 's ( Mr. Cooper ) representatives, they say that they can not contact PennyMac, so it's a revolving door of not getting the answers or any action on my case.
I am a XXXX XXXX and we usually get paid early when there is a Federal Holiday that occurs right before our regular pay date. In this case that did not happen. I received a {$34.00} dollar overdraft charge from JP Morgan Chase for a {$7.00} transaction. The funds were in my account the next day. So they loaned me XXXX for 24 hours and charged {$34.00} ... ..What is that 1,500 % interest! I asked the bank to waive the charge and they said their was nothing they could do ... .. I have had an account at Chase for XXXX plus years!!!!
On XX/XX/XXXX, my husband attempted to obtain his free annual credit report from the website, XXXX., prior to applying for a car loan at our local bank. After submitting all his personal credit information, at the end of the process, he was informed that the reporting agency " could not provide a credit report at this time '', although the BANK had no problem obtaining his credit report, which he was not allowed to view, but he did find out that it contained inaccurate information and lower credit score that resulted in requiring him to get a co-signer and pay higher interest on the car loan. Today, ( XX/XX/XXXX ) when I went online to apply for social security retirement benefits, my application was " rejected due to reporting from XXXX  '' so that SSA could not " verify '' my existence in order to process my application ; so I went online for MY free annual credit report, and, after supplying all my personal credit information, I was informed that the reporting agency " could not provide a credit report at this time. '' Because we have been in a bitter dispute with XXXX/XXXX/XXXX over their theft of our home on XX/XX/XXXX - which they reported to the credit reporting agencies as " REPOSESSED '' 5 years ago, when it was actually still IN DISPUTE in Federal Court, getting ready to go to Jury trial in a few months, & they have been informed that I've had to fire our attorney and prepare to represent ourselves Pro-Se in our dispute against them, I think they are using their financial power and control over the credit reporting agencies in order to harass and get us to throw in the towel and give up.
I have been trying to work with the credit bureaus XXXX, Equifax, and XXXX  with getting these fraudulent accounts removed from my report, they always say the information will be removed or they'll follow up with me but they don't. I have contacted them several times in regards to this situation, I do not want to be held accountable for something that isn't mines, I just want the accounts to be removed and from under my name and my credit report.
The city of XXXX erroneously issued a parking ticket to me in XX/XX/2015. After a couple of phone calls and a letter, the municipal court vacated the ticket ( the police officer had a typo when they put in the license plate number ). 

The court had sent me to collections with Transworld ( TSI ) ; I spoke with their representatives twice in XX/XX/2015. On the second phone call, they assured me that they had record of the court 's update and that the issue was resolved. I asked them to mail me paper indicating this, they assured me that they would no longer mail notices and that that was sufficient. However, they recently started calling me again and the collection is still on XXXX of my XXXX credit reports.
I 've been receiving regular calls from XXXX. The name is not displayed on my caller ID, but it is a collection agency called Retrieval Masters. If I do not pick up I will get several calls a day. 

Upon speaking to the collector, I am told that I owe XXXX dollars to XXXX. The problem is that I am positive that I paid this debt last year. I have no proof, simply a very strong memory of doing so. I also do n't think that they have ever stated their company name. 

That said, memories can be wrong. I have asked, each time they 've called, for them to send me a letter detailing the amount owed, time of debt lapse, and all the other pertinent details. My first request was over a month ago ; I have received nothing in the mail and I know it is my right to ask for this information in writing. 

This last call from them, which happened today ( XXXX/XXXX/2015 ), I was threatened with a serious ding to my credit report. All of this combined is unacceptable behavior from a creditor in my mind. So I 'm filing this complaint.
I have reached out to this Company numerous of times about the unauthorized inquiry. I have a freeze on all 3 credit bureaus. I have called the Agency and the credit bureau and each time I keep getting told to call back the other. I am in the process of purchasing a home and this has become frustrating. I am advised of my rights as a consumer and i have yet to get a solution. 
The inquiry was placed XX/XX/2017 XX/XX/2017
Have requested payoff amount twice as well as detailing billing history since the date of mrtgage through XXXX and have not received anything. Paperwork sent does not detail what any fees are for. I want a detailed billing record with description of what fees were for from this company.
On XX/XX/XXXX, I applied for a credit card at the XXXX in order to get furniture. I was approved the same day and ordered =my furniture right away. My FURNITURE was delivered on XX/XX/XXXX which I believe is the payment date. I started to pay {$100.00} the XXXX or XXXX of every month while my minimum payment in the contract was {$47.00}. A few month later, I found out that my credit card was charged late fees by XX/XX/XXXX which is associated with the XXXX. I called them to know the reason. In response, the Representative of XXXX XX/XX/XXXX said that it because I was supposed to pay the XXXX of every month, allegation that I disagreed with. However, I request to schedule the payment date the XXXX of every moth because it's my paid day and give her my credit card information for autopay and She told me to call the XX/XX/XXXX to get a final approval of the request. In XX/XX/XXXX, I called and the Representative told me that my payment date will now be the XXXX. In XX/XX/XXXX as I was expected the payment to be updated, nothing happened then I called again. In response, the Representative said that the billing circle does not allow them to place me on XXXX, so they schedule the payment date the XXXX of every month. I was so embarrassed with this kind of customer service and told him that the XXXX won't work for me due to budget. Now, they've been charging me over because last month they did not receive my payment. I have been having hard time dong business with the XXXX. I am embarrassed. They are just taking advantage of me because they are not making any effort to well manage my account and keep my credit in good standing.
on XX/XX/, 2019 I called my mortgage company to let them know that my payment was in the mail and for some reason due to the government shutdown my payment had not been processed. I spoke to XXXX XXXX, he said he would make a note and make sure that no adverse information would be appear on my account. he said he would waive all late charges and to check back within two or three days to see if the payment had been processed. well it turns out that one of the checks was lost in the mail. then XXXX came by and I made the XXXX payment on the XX/XX/XXXX. but my account still showed as being XXXX late payment. I called back to let them know that the payment was somewhere but they couldn't track it either. they knew the reason why this check got lost and yet they posted on my credit report that I was 30 days late on my mortgage. this is not right. just ruined my credit report like that.
J.P.Morgan Chase sent me courtesy checks at 0 % intro for paying bills, etc. I called the XXXX number to find out more. I was told I had a limit of approximately {$1800.00} on credit or {$1500.00} cash. I explained how in XXXX took out a small loan of {$3000.00} with a high fixed rate and looking to cut down the intrest. She took some information and went to a supervisor. She came back a few minuets later granting me as much as {$3000.00} availability on their courtesy checks sent me in the mail. I told her I would be using one for near that amount that day XXXX XXXX, 2016. She assured I was good to go. I paid the loan. In today 's mail notice from J.P.Morgan Chase a stop payment on the check they are only good for {$1500.00}. I was on the phone an hour with them today XX/XX/2016. They do n't care just kept repeating over and over I did not have the credit to cover it. They had a record of my call and would not elaborate. XXXX of the XXXX XXXX office was like a robot repeating it over and over. What kind of fool would after calling them attempt to cut a bum check? Now I must re establish the original loan, pay application fees on a new loan, and also a returned check fee. They assume absolutely No responsibility and told me to submit any returned check fee and perhaps they might pay that. A verbal contract form their representative agreed to by the supervisor at the time later not enforced at a substantial cost to me. They do not care.
Back in XX/XX/XXXX of this year, I submitted in application for co-signer removal of the student loan. I have provided sufficient documents they wanted and have not heard back from them. I am always on time paying this loan and have been paying for it for the past ten years. All I asked is to remove the co-signers name and called multiple times to American Education Services to see updates. They kept telling we haven't heard from them yet. They submitted my application twice and still no response. Then actual lender is XXXX XXXX XXXX ( XXXX ).
recently contacted the agency about Experian credit reporting agency. and 3 months later I find myself contacting you again. at the having certain items on my credit report removed in XXXX of this year information that was given to my bank in XXXX did not reflect the change once again denied credit.this morning talking to be Experian about it and my XXXX scorespace certain things on my credit report have been taken care of but they have not and will not have not updated my XXXX score to reflect the changeseven after being told that they screwed up and gave my bank the information
I cancelled my gym membership for XXXX XXXX XXXX XXXX XX/XX/XXXX. I paid my {$20.00} fee. I have the receipt. Then collection calls began arriving. I was told I owed for XX/XX/XXXX and XX/XX/XXXX even though I was no longer a member. I have my yellow sheet showing my membership cancellation and cancellation of the contract with a XXXX balance owed. I sent proof to the collection agency ABC Financial Services of XXXX, AR XXXX of my receipt, and the cancellation showing XXXX balance, but they keep calling, I contacted XXXX XXXX XXXX four times by phone and visited twice in person and was told it was taken care of. I contacted their corporate office and was told it was not their problem, it is the franchised gym 's issue. No one will help me. Today ( XX/XX/XXXX ) I received yet another collection notice. They call me daily and now are sending mail all for {$20.00} they say that I do, which I do not. It 's not even the money, which is {$20.00}, it 's the harassment.
On beginning of XXXX, I submitted a complaint to the CFPB ( case # XXXX ) about the no-consulted rise of the mortgage ( Acct # XXXX ) of my house by MB Financial Bank. On XXXX XXXX, we got an answer explaining what the Bank did with the automatic payments I was making. In the answer, the Bank states that wants to work with me to bring current the mortgage account. When I noticed the Bank had answered to my complaint, it was about XXXX XXXX. After reading and reading the letter to understand the numbers, on Monday XXXX, MB Financial put the house in foreclosure status. I called a MB Financial Toll Free number and the operator told me that since the house in Foreclosure, I have to deal with the foreclosure department ( law firm handling the case ). My point here is that it is unfair that when we were that close to fix the problem with the mortgage, now I have to pay the lawyer 's fee. I want the Bank to consider and withdraw those fees from the amount I have to pay. By the way, I have never been reluctant to pay my mortgage. I have been and am willing to pay my mortgage. 

The second point here is that I have never received or signed a formal letter telling me that the mortgage was increased. 

The Third point is that the house has insurance before MB financial Bank bought XXXX XXXX Bank. The information was in the XXXX XXXX Bank records. I do n't understand why the Bank is insuring the house again and charging it to the escrow. I want MB financial to remove that insurance from the escrow since the house was already had insurance. 

The last point I want to mention is about the money that was deposited into the mortgage account that was refunded but never cashed. In the answer letter of the XXXX complaint, it is mentioned that on the following dates was performed a refund by check : Date Amount XX/XX/XXXX2016 {$590.00} XX/XX/XXXX2016 {$1300.00} XX/XX/XXXX2016 {$1300.00} XX/XX/XXXX2016 {$1300.00} Total {$4600.00} I appreciate if MB Financial Bank can add this amount ( {$4600.00} ) to the mortgage account since those checks have never been cashed. In other words, I do n't have that money. That money is in the Bank.
My wallet was stolen with my debit cards issued by XXXX XXXX ON XX/XX/2017. 
I called XXXX XXXX and after much hassle getting through to a live person, I reported my credit cards stolen. This was approximately at XXXX XXXX. 
The representative told me new cards would be issued but after a week nothing happened, so I contacted them again and the representative DID NOT CANCEL THE CARDS AND REISSUE NEW ONES. 
The thieves used the debit card by using it by purchasing goods using the credit instead of debit ( I 'm guessing ) and they racked up over {$1000.00} of sales, this was all done AFTER I HAD REPORTED THE CARDS STOLEN. 
It is almost impossible to get through to anybody at this banking institution and when I do they either put you in a loop or hang up. 
My last transaction was at Approx XXXX on the day my truck was stolen, XXXX # XXXX reported at approx XXXX XX/XX/2017. 
My last transaction was a cash withdrawal at an ATM AT Loves Truck Stop in XXXX, Ca, at approx XXXX XXXX I contacted this bank after one week of nothing showing up with replacement cards only to find out THEIR EMPLOYEE DID NOT DO HIS JOB, thus allowing the charges to accumulate AFTER THE CARDS WERE REPORTED STOLEN. I am out over {$1000.00} that to this day 3 MONTHS LATER has NOT BEEN REPLACED. 
Terrible customer service with what seems as a do not care attitude, which really rubs me the wrong way being a XXXX XXXX XXXX and this is supposed to be a caring institution for active service personnel and XXXX HELP!! 
XXXX XXXX XXXX Current Acct # XXXX, I do not remember or know the Acct # that was reported stolen but if they have ANY CLUE as how to operate a banking institution CORRECTLY, they will know the acct # that I am referring to. At the time the cards ( and my wallet ) were stolen there were XXXX acccts, XXXX for my SS BENIFITS ( money I earned and paid in for over 40 years along with my employers, I DO NOT CONSIDER THIS Government assistance, as it is MY MONEY, paid by ME, to assist me when I retired, and XXXX XXXX for my XXXX dealing with XXXX XXXX from XXXX