WillisBack/dataset-financial-user-claim huggingface dataset:
I recently read about the deceptive tactics of Wells Fargo Bank. I currently have a checking account and savings account with Wells Fargo. I have had both accounts for many years. I previously began receiving a lot of insufficient funds and bounced check notices from Wells Fargo. I could n't understand how my account could be overdrawn when there was always money in my accounts. Please investigate this as I believe that I am a victim of Wells Fargo 's predatory bank practices. I am XXXX years old so I am sure that they have taken advantage of me due to my age.
My husband has already tried dealing with Wells Fargo ( WF ), but they would n't respond to him since he 's not on the mortgage currently. He already filed a complaint through cfpb, and WF has n't resolved our issue. Background : immediately after purchasing our home we contacted WF about removing PMI from our mortgage because we immediatly had XXXX of equity, therefore not needing PMI due to our loan to value ratio. My husband spoke to WF agents on the phone, and confirmed that we could do this, we just needed to pay for an appraisal. WF sent us a letter at one point ( attached ) showing options for removing PMI, and we went over these options over the phone with a WF agent, and the agent agreed that we are allowed to have PMI removed. After having an appraisal done, which confirmed we have adequate loan to value, WF responded and said that we do n't qualify to have PMI removed. WF did acknowledge their " mistake '' and they did refund us our appraisal fee. They have refused to remove PMI from our mortgage as previously promised. We believe WF has broken federal law in their lies to us during this process. We request WF to remove PMI like they originally promised, and to refund us the PMI fees we have continued to pay.
My obligatory student loan servicer, XXXX XXXX, has once again, for third straight year in a row, refused to certify my employment eligibility for the Public Service Loan Forgiveness ( PSLF ) program based on alleged and non-existent errors in my annual paperwork. This is the second consecutive complaint I've submitted to the CFPB on this exact same set of facts ( ref : XXXX ). At this point, it is starting to seem like either gross incompetence or intentional obstruction of access to these benefits, and I would like the XXXX to investigate. I also note that XXXX XXXX does not have an a customer complaint process that reports back results to the customer ( " it's an internal matter, '' according to the representative I spoke to, XXXX ( XXXX ID XXXX ) ) so CFPB is the only recourse available, and the only way I have obtained any remedy in the past. 

To briefly recap the now all too familiar facts ... each year I submit an Employment Certification Form ( attached ) as recommended to record my progress of making the XXXX qualifying payments needed to have the balance of my loan forgiven. Each of the last three years, XXXX XXXX rejects my certification, claiming some sort of nonsensical error in the dates of my employment. This year it was that my employment end date preceded my employment start date ( see attached letter ), which is ludicrous since I have no employment end date as I am still working at the same employer I've been at for the last four years. I called XXXX XXXX to rectify this and all I get is an unaccountable runaround and an assurance that they will reevaluate my paperwork and look into the problem. While I certainly want their processing error here corrected, I also want this to stop happening, and I worry what this pattern of incidents portends for the day I actually apply to have my loans forgiven. As has been widely reported in the news, quite a few borrowers have been surprised by XXXX 's XXXX hour revelations that their loans are suddenly not eligible for forgiveness and I do not want to be one of those cautionary tales. 

I implore you to take a hard look at XXXX 's internal policies, procedures, and training around how its customer 's access the PSLF program. Based on my experience, it seems that they put more effort into obstructing access than facilitating it. We have no choice in who services our student loans and have no way of compelling them to act in our best interests, so the CFPB is our first and last line of defense against this monopolistic entity. Please hold them accountable to their customers.
Reflective on my XXXX credit report under " hard inquiries '' I see two ( 2 ) " XXXX National credit cards/Airlines '' inquiries, which to my knowledge I have never formally inquired for such a card for airline travel or so. The dates reflective are XX/XX/XXXX when I applied and recieved a XXXX XXXX XXXX credit card through Synchrony Financial most recently on XX/XX/XXXX, when using the same Synchrony Financial for a credit card for medical services. It seems that this Airline credit card is generating from any application for credit through this company. But I have never myself applied for this service.
XXXX XXXX ( the creditor ) failed to mail me billing statements. Because of this I notified them every month in writing and by phone that I had not received any of my billing statements. The creditor stated that they would be sending out the statements in the mail and that their system keeps having issues with not sending the billing statements. The creditor never sent me billing statements. Because of this I was unaware if I had a balance on my account. I was also unaware if I had a minimum payment due. I did not make any payments as I did not receive instructions on how to pay my bill. The creditor reported my account as late ( delinquent ) to all 3 major credit bureaus ( Equifax, XXXX, XXXX ). After a couple of months/years, the creditor finally sent me a collections notice requesting immediate payment of a specific dollar amount without explaining what the amount was for. Because I did not want negative information on my credit report, I paid the amount that was requested of me. The creditor reported my account as charged off. The creditor violated several consumer protection laws by not reporting my account as current ( never late ) and closed. The creditor does not have tracking information showing that I received the billing statements they were required to send me.
This is the 3rd instance where I 'm sending an international money transfer with Western Union and there is a screen asking for bank username and password. I have notified Western Union and they reported that there is no such request from their website and have not been willing to follow up with this and resolve it. My bank account was just compromised and this is the only website that had access due to this screen built in. I took a screenshot this time to prove it. The company should be fined or shut down for encouraging data theft and not investigating it properly.
I filed a BK that we discharged XXXX XXXX XXXX at the time, I was approved for a loan modification to make extra payments over 6 months to bring my mortgage current. i have since made XXXX payments and my mortgage is current. My loan was transferred to Freedom Mortgage in XXXX. 2016. Freedom mortgage is holding my payments and not applying them to my balance. They told me they were waiting for there underwriter to release the funds but in the meantime I am getting foreclosure notices. They are also charging me fees to have inspections done on my home to make sure I have not abandoned it.
Equifax Inc. mishandled my private information ( address, name, SSN ). This private information was made available ( either by grossly negligent incompetence or possibly malice ) by Equifax to parties who wish to use my private information and therefor my identity, fraudulently. Equifax failed to conceal this information from these fraudulent parties, making me a potential victim of identity theft. 
This fact of this mishandling was made public around X/X/2017 and I had to read about it in the news before I was informed personally by Equifax by any type of notification such as letter or e-mail. 

I used Equifax 's services in years past to retrieve free credit reports to ensure my credit was free of fraud. This free service is guaranteed by the US government. Apparently this service is also tied to an arbitration clause. Having an arbitration clause tied to a free service guaranteed by the US Government, and which is only available by 3 different companies is suspect.
Hi So equifax had XXXX inquiries under my name, which I did n't recognize. I contacted them for disputing the inquiries, they asked me to contact those lenders directly to ask them to remove because Equifax could n't do anything. 

I called these lenders, one of them was XXXX XXXX XXXX, asked them to check if there was any credit inquiries under my social number or my name, turned out there was none. 
I called Equifax and they said there was nothing they could do because they ca n't remove inquiries, which I find very unsatisfied answers. There were not only XXXX but XXXX unrecognized inquiries, and certainly XXXX on the other hand does n't mess up like Equifax.
On XX/XX/XXXX I called XXXX XXXX to get assistance for my XX/XX/XXXX payment for my mortgage loan. I spoke to XXXX XXXX a Home Preservation Specialist with XXXX XXXX. I told her my payment was due and that I was out of work for a month due to a full XXXX XXXX. 
XXXX XXXX then said she for sure was able to assist me gave me two different options and one of the options was to commit to a payment arrangement. The payment arrangement consists of splitting the month of XXXX regular payment of {$1600.00} in two payments. First payment in a half of {$2500.00} would be paid on XX/XX/XXXX and the second payment would be paid on XX/XX/XXXX for the same amount of {$2500.00}. I asked the representative if this would affect my credit and she replied no because they would help me get on track. I felt in great relief with the assistance. 
My daughter XXXX XXXX is the cosigners to the loan. My daughter is a XXXX XXXX for the City of XXXX CA. In the month XXXX I received a call from my daughter the cosigner of the loan told me how upset she was feeling and asking me why I was late for three months on the mortgage payment she stated her credit score dropped about 80 points. At this point her credit was ruined her and possibly not able to purchase another home for her family since she is soon to get married. 
I have contacted XXXX XXXX several times and have gotten the run around. I spoke to a representative and she was rude just continued to say I was late and would not listen to my concerns and facts. On XX/XX/XXXX I contacted the XXXX XXXX in the external department and asked him to please pull the calls and prove that XXXX XXXX gave me false and misleading information about credit reporting. XXXX XXXX has proof of payment plan letter and payments made to them on time per the payment arrangement letter from XXXX XXXX. I have also contacted Experian and XXXX and downloaded proof of the payment arrangement from XXXX XXXX and a copy of my bank statement from XXXX  XXXX XXXX showing proof that it had been paid on time. 
My daughter and my financial future are in Jeopardy. We are not at peace and all we did is trust our mortgage lender.
XXXX XXXX has wrongly submitted a collection action against me. I began new service with XXXX XXXX, and have nothing but consistent billing errors ( always overbilling ). It has been very difficult working with their customer service department to resolve the issues, but a couple of months ago, I thought everything had finally been resolved, and I suddenly received a collection notice on a bill I was unaware existed. XXXX XXXX refuses to recall the notice, and told me to pay the bill and I would have to deal with the credit reporting bureau on my own. This is unlawful as this bill is in dispute, and I do not believe it is owed. Additionally XXXX XXXX has very confusing billing practices, that confuse not only customers but their customer service group. When I contacted XXXX XXXX they also confirmed they did not show an outstanding balance. Here is the monthly copy of my bill. Since working with their customer service, and resolving all of the disputed amounts, or so I thought, I have not received a notice from XXXX XXXX that there was even an outstanding balance. I will not be blackmailed into paying a bill I was not aware I owed, by threatening me with collection actions. I have outstanding credit and will not allow XXXX XXXX to use these strong arm tactics. I pulled a XXXX report, which I have included as an attachment, and it is showing a consistent trend that they are using these unlawful tactics with everyone. Noticed, the complaints are never on the side of under billing, they are consistently on overbilling issues. And their customer service group is not resolvoing the issues corrected. When calls and discussion happen, I have requested they put it in writing because of all of the errors and miss billings and they refuse. This is also unlawful, since they are quoting pricing and locking consumers into three year contracts. They are not charging what they are quoting and we do n't find out until months later as we are trying to sort through the billing.
Late fees from XX/XX/XXXX have been assessed to my account and Statebridge is unable to tell me what the fees are from. Statebridge took over servicing my loan, without my knowledge, and the servicer-XXXX XXXX- I used when buying my house states that the loan was " bought out. '' On XX/XX/XXXX I called and asked Statebridge for explanation and they were not able to explain it clearly ; telling me I would have to contact the loan company-XXXX XXXX-because the fees are originating from when the loan was serviced by them.
XXXX XXXX XXXX is incorrectly reporting on my XXXX mortgage. XX/XX/XXXX I filed chapter XXXX and my XXXX was included. XX/XX/XXXX I called to have my XXXX mtg refinanced. XXXX said that it could not be done without refinancing the XXXX. I was underwater at this point and requested HARP info, they said I would not qualify but they would send. Within 2 wks they had " sold my XXXX '' and could not refinance, they then said they " sold '' my XXXX. I had to file bankruptcy in order to keep my home, I could not afford the balloon payment on the XXXX. I found out recently that both are still in fact owned by XXXX but serviced by XXXX. XXXX would not subjugate the XXXX unless paid and would still not guarantee that they would allow a refinance. Now neither XXXX or XXXX is showing my current XXXX mortgage on my credit report.
on XX/XX/XXXX  XXXX  hit our home and did alot of damage as well as  5 we eks no power and out of work because of same for months because my work was out of home,  Ocwen loan service was l ess than helpful and because of the   XXXX   went into hospital XX/XX/XXXX  and by this time I  was three m onths behind in mortgage wit h Ocwen and tried a loan modification twice and was told lost paper work as well as on and off calls back and forth with no help from lender service Company, Ocwen, at t his time it was XX/XX/XXXX  and I recieved a letter from  Ocwen that they are going to foreclose. This was when we were   working on the second Mortgage Modification with them, I than called  XXXX   XXXX   Office   Esq  in  XXXX , NJ  XXXX  and he told me to file a chapter  XXXX  bankruptcy as well as than after that we would file a second Bankruptcy ( CHAP  XXXX  ) including a now Third modification submitted by way of the courts, The  XXXX  was filed on  XXXX  and approved and the chapter  XXXX  was filed on XX/XX/XXXX  and once again the   XXXX   put me in the hospital, Than by way of the courts i filed but yet again a forth loan Modification with   XXXX    office billi ng me another {$2500.00} for same and Ocwen never answered the complaint, it was court ordered.THRU THE CHAPTER   XXXX .Than  after that i was hit by a   XXXX   XXXX   and it put me in  XXXX  IN   TH  E HOSPITAL  and I had to let the Chapter  XXXX  discharge because had no work, could not work and ended up on  XXXX . Now I am in   Superior court,   XXXX   XXXX   XXXX   N.J. fighting   Ocwen ag ain to try to save my home with but yet another Mortgage Modification and now on permanent  XXXX  as well as a  XXXX  daughter who lives with me, the  XXXX  has been unbearable to say the least. Thank you for any help your  Bureau may off er, The loan i was told has been billing me over what was in writting and over charging me on servic ing etc, Ocwen are a bunch o f crooks sorry to say.
XXXX has filed a suit against me on a bill that has been payed in full. The bill was {$650.00}, through Home Depot. On XX/XX/XXXX, I paid {$400.00} drawn from my personal bank account. Then on XX/XX/XXXX I paid the remaining bill of {$250.00}. I have asked several times to be sent a letter indicating that the bill has been payed. XXXX has refused and even filed a law suit against me even after bill had been paid in full. They also have refused to indicate to creditors that the bill has been paid in full, purposely ruining my credit and credit score.
During 2015, while XXXX with an XXXX, I made enough money to either pay the monthly payment on the mountain of student loans ( XXXX companies @ $ XXXX total ), or eat and pay rent. Navient ( or XXXX XXXX ) made several threatening phone calls per day indicating I should pay them instead of eat. They recorded all phone calls, but told me repeatedly that recording them myself was n't allowed. XXXX lady told me I should get another job or XXXX to make up for the $ XXXXmonth shortfall I was experiencing ( was already working XXXX50 hrs/week in addition to seeking gainful employment ). She also told me there was no income based repayment option. I thought those type of threats were illegal but did n't know how to pursue. Now that this lawsuit is being publicized, I feel that there is an avenue to pursue action against these unethical business practices. 
Another side issue that CFPB may or may not be able to help with : I 've been paying $ XXXX in interest payments per year for several years and the IRS allows {$2500.00} to be written off while filing taxes. This also seems unethical as any money that would be available to progress my consumer spending is double dipped by the government. Can you help?
Key Bank, XXXX Ohio. Account ending in XXXX On XX/XX/XXXX using a 3rd party ATM I withdrew {$100.00} from my checking account. What I did not realize was that this caused an overdraft of {$72.00} since this was not my main checking account. When I next attempted to withdraw money the ATM told me there were no funds available and I assumed that the account had gotten to the point that the monthly maintenance fees had used up any remaining funds. I did not attempt to use the account again. On XX/XX/XXXX Key Bank transferred {$100.00} from a Cash Reserve account to cover the shortage ( XXXX ) in the account and also charged a {$2.00} ATM withdrawal fee for the transaction on XXXX. This left a balance of {$24.00}. On XX/XX/XXXX a monthly maintenance fee of {$7.00} was charged making the balance {$17.00}. This {$17.00} was then applied as a payment to the XXXX XXXX account bringing the balance to {$0.00} in the checking. On XX/XX/XXXX a {$7.00} maintenance fee was charged and since the account was at XXXX another {$100.00} was transferred from the XXXX XXXX account. So {$100.00} transferred to the checking minus {$7.00} left {$93.00} back in the checking. Random dollar amounts were then taken out of this to pay the XXXX XXXX account. At no time was I receiving any statements to alert me to this. This went on until I began getting phones calls from Key bank that I had a past due balance. I ended up having to pay {$400.00} on XX/XX/XXXX to keep from getting any more late fees and late notices on my Credit Report
i call to XXXX and they said that I has to call XXXX, when I call XXXX they said that they not have a XXXX inquiry in my credit report
The female employee of this debt agency called my phone was very hostile to myself and she even threatened me with excessive calls. I was told to not answer anymore calls from the person. She was very unprofessional to the point that we had to block the phone number
I never wanted Midland Mortgage, my mortgage was sold to them. I 've been stuck with their poor customer service for years. At the same time I 've had the same insurance carrier and renter for 15+ years. Every now and then I 'd get a warning letter and one would also be sent to my insurance company saying, 'It has been brought to Midland 's attention that my house is abandoned, or that they want to report that I have a renter. I 've had the same renter for over 15 years..that 's not a surprise. 
Then one day I received a call from Midland and the female service rep started asking me all sorts of personal questions ; I told her nothing has changed that should be reported to Midland but she persisted. Since I did n't want to continue with her I told her I was going to hang up, which I did. 
Within a few days I received a letter from Midland saying that since I did n't have insurance on my home, Midland was going to have another company insure my house for over $ XXXX+ for the year because I had let my insurance lapse. I immediately called Midland to say my insurance has been combined with and paid with my mortgage payment since I first signed for a mortgage, they could check their records. And I told Midland in a phone call that all this was probably due to me not wanting to answer their rude service rep 's questions and to please review the phone conversation if they taped it. I followed that call with one to my insurance carrier and they still had me insured. 
Instead of correcting their error, Midland continued to bill for this additional, higher premium insurance with my monthly mortgage payment. I called and sent proof of insurance in again and made Midland sign that they received the paperwork. When I 'd call to follow up, they said they did n't see any correspondence on file. So XXXX forced me to pay twice for insurance for a full year. This additional $ XXXX charge was broken down and added to my monthly bill. 
I called again and sent in paperwork to prove my house was insured and followed this with letters requesting help and documents to the Oklahoma State Attorney General, the Oklahoma XXXX and the Federal Trade Commission. Not one responded. And the extra charges built up with late fees if I could n't make the full payment on time. After one full year, Midland stopped overcharging me but they never corrected their mistake and never paid me back. I think it was all due to that one service rep who wanted me to answer a ton of personal questions and I refused. My mortgage is paid off now but in the decades I was stuck with Midland Mortgage they never once replied to a letter or correspondence I sent them.