WillisBack/dataset-financial-user-claim huggingface dataset:
Our mortgage was transferred from XXXX XXXX XXXX. We had my husband had been approved for a National Unemployment forbarence program EFF XX/XX/XXXX thru XX/XX/XXXX. When our mortgage was transferred to Greentree, we called in XXXX to be sure that they had the approval for the program and that the XXXX months of payments would be added to the back end of our loan as promised. Just to be sure, and after speaking with " XXXX '' our new account manager, we faxed the approval to her and then followed up to be sure that they had it. We made a multitude of calls between XX/XX/XXXX, and XX/XX/XXXX, and we have received no amount that we can pay going forward on XX/XX/XXXX ; as XXXX XXXX XXXX told XXXX. We were willing to catch up on our XX/XX/XXXX thru XX/XX/XXXX payments, but XXXX told Us thaf our account was in foreclosure review with an attorney! We told her that they could not do that, because the XXXX month foebarence is a National Unemployment program approved by President Obama. She really became rude with us and just pretty much said that is the way it was. When I asked for someone above her, I was referred to someone who identified himself as a supervisor ; his name only given as " XXXX ''. When I spoke to him on or about XX/XX/XXXX, I had to repeat the entire story. He told me that he would see if he could get all of the late fees and legal fees removed. When I spoke to him again on XXXX XXXX, he said that they would not waive the fees and then proceeded to tell me that my husband 's foebarence was dated XX/XX/XXXX thru XX/XX/XXXX ; which I told him was absolutely not true! He was also argumentative and said that he did n't know what I was looking at and that he would need a faxx. I called immediately to a young man named XXXX at XXXX XXXX XXXX, and not only did he read me the letter confirming the XX/XX/XXXX thru XX/XX/XXXX dates, but he also faxed it to " XXXX '', at Greentree Servicing. We left another message on " XXXX '', voicemail, because XXXX would not give me a direct phone number. To date, we have still heard nothing!!! We are begging to start paying our mortgage, and in face have already paid off our {$29000.00} mortgage with their same company!!!! In good faith, we have offered multiple times to pay the XX/XX/XXXX thru XX/XX/XXXX, as well as the XX/XX/XXXX, and begin paying every month, thereafter. However, they tell us NOT to pay until they have had a chance to review. We are more than concerned that this is going on and on and therefore our mortgage gets further behind!!!
I received a payday/installment loan from XXXX XXXX XXXX around XX/XX/2018 in the amount of {$500.00} ; which was instantly deposited into my checking account. At the time the loan was made- I was unable to fully and completely review The Truth in Lending Disclosures. To this date- I am still unable to access my account and view any of that information. As of todays date ; I have made the following bi-weekly payments of {$100.00} ; all of these payments have gone towards the astronomic interest that is being charged and nothing towards the principal. To date I have made the following payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX- totaling more than {$860.00} being paid for an initial loan of {$500.00}. I am unable to continue making these payments and have tried to contact the company to discuss other arrangements ; to no avail. The only response I have received from the company is being told that payments will continue to be drafted from my account and interest will be accumulating on a daily basis. This predatory loan is not only unethical but illegal in the state of Georgia. The interest amount being charged is well over 400 %. Chapter XXXX of Title XXXX of the Georgia Code is commonly referred to as the Payday Lending Act, even though it applies to installment loans as well- this code states any loans of {$3000.00} or less made to Georgia borrowers at interest rates that exceed eight percent ( 8 % ).
I sent a letter to Experian XXXX and XXXX stating that the XXXX XXXX credit card account XXXX In this the amount of XXXX dollars was unverified. I ask them to send verification and validation of the debt with documentation of the original contract with signatures which XXXX XXXX is suppose to have per FCRA and FDPCA to report to the credit agencies. All I received back was the was verified with no explanation. There was no real investigation done and no proof of said investigation.
I have been paying extra with each monthly payment for 4 years. Instead of applying the extra to my principal, they apply it to my next month 's payment, so I am still accruing the higher interest. So in 4 years I have paid over {$16000.00} on my {$29000.00} student loans, but still owe {$23000.00}. 
They also changed my XXXX grants into loans and told me it was because I missed a deadline. I never knew of the deadline.
Nationstar Mortgage/XXXX XXXX is making it very difficult to remove the PMI on my FHA loan, urging me instead to refinance the home at a significant cost to me.
After five years of no late payments and the house doubling in value, it should be easy to remove PMA in XX/XX/XXXX but instead Nationstar continues to push me to accept their expensive product.
I purchase a home in XXXX in XX/XX/XXXX for {$750000.00} under an FHA loan with a 10 % PMI. I put down {$150000.00}. I currently owe approximately {$540000.00}.
In XX/XX/XXXX the home value - published on Nationstar 's own website - is {>= $1,000,000} but they are telling me that I do not have the 78 % of loans to value requirement to remove PMI and the only remedy is to refinance with them at significant cost to me.
I do n't know what to do. What are my options?
I had a credit card account with my credit union XXXX XXXX XXXX XXXX XXXX ) opened in XXXX which they transferred to another lender as of XX/XX/XXXX ( XXXX XXXX - Cardmember Services ) .XXXX XXXX XXXX XXXX is misreporting the date account was opened, date account was closed, payment history and date of original delinquency. Based on original date of delinquency this should be out of the statute of limitations for reporting in my state at the XX/XX/XXXX. I have disputed with all XXXX bureaus and repeatedly disputed directly with XXXX XXXX XXXX. I provided copies of several months of statements to support my position, copies of correspondence, and copies of FTC opinion letters to get them to correct the entries on XXXX Equifax XXXX. I have received multiple responses claiming my request was frivolous or in error and that they will not correct this matter. 

XXXX XXXX agreed to remove the trade line from all XXXX of my major credit reports after my CFPB complaint XX/XX/XXXX. They contacted XXXX, Equifax , XXXX XX/XX/XXXX to have this removed. XXXX removed the tradeline per XXXX XXXX XXXXXXXX request but Equifax did not do so. I requested a new investigation and provided the letter from XXXX XXXX stating their intention to have the trade line deleted. Equifax did not remove or update anything based on that investigation and they are still reporting this negative account. I have requested this be corrected numerous times via direct disputes with Equifax and filed a previous complaint which provided no action.
4 business days, per FCRA Section 605B which are allowed for fraud cases, experian has failed to remove XXXX/XXXX and inquiry. 

They have responded that they will work on it trough XX/XX/2018 violation the above regulation
XXXX   XXXX   XXXX   is reporting on my credit report a late payment in  XXXX  of 2016 and failed to fix the problem I attached a letter from  XXXX  verifying and confirming the error but they still failed to address error
Bought a vehicle and financed through Navy Federal Credit Union. Once I paid off the loan and attempted to remove the lien from my title, I found out that the lien was given to a third party by Navy fed. I have tried to contact the 3rd party but no reply. The XXXX will not remove the lien from my title until he releases it despite Navy Fed acknowledging their wrongdoing.
I have a private student loan through XXXX XXXX. The total amount received each semester reflects both the amount of tuition plus the amount that is estimated to be the total living expenses for a semester. The funds are directly distributed to my school, XXXX XXXX University XXXX XXXX XXXX ( based out of XXXX, TX ), who is supposed to apply the funds towards tuition and then distribute the remaining balance to me ( since after all it is MY loan and I'm paying interest on it ). This is the second semester in a row that the school has kept my funds. Last semester, XXXX XXXX distributed the amount of {$12000.00} to XXXX XXXX University on XX/XX/XXXX. A credit of {$4800.00} was supposed to be disbursed to me for living expenses for the semester. Instead, I didn't get my disbursement until XX/XX/XXXX, leaving me with no money to live off of for the entire semester. I realize this is a problem with the school and not necessarily XXXX XXXX, but I believe XXXX XXXX should hold the school accountable for making sure students get their money in a timely manner. I called XXXX XXXX on two different occasions, and both times a customer service representative told me that once the funds are in the school 's possession, what happens to them is out of their hands. I don't understand how that could be possible as the loan is in my name and I'm the one making interest payments on it. If that were the case, what's stopping the school from keeping my money indefinitely? I believe that the school is using students ' funds to either make interest by keeping the money in their private bank account for an entire semester, or they're using the funds improperly in some other way. It's a very small school and in no way should it take 4 months to distribute these funds. It happens to multiple students every semester. XXXX XXXX disbursed my funds for this semester to the school at the end of XX/XX/XXXX, and now in the middle of XXXX I, once again, am without funds to pay rent or bills ( which is ridiculous because I'm still paying interest on loan money that is not even in my possession ). When I reach out to the school or to XXXX XXXX they are of absolutely no help, and I believe that XXXX XXXX doesn't care at all that the school is taking advantage of us. I believe that XXXX XXXX should be held to a higher standard than what they currently are. The school should be required to distribute the funds in a timely manner. 

This is a complaint that I've filed previously. XXXX XXXX responded and stated that they contacted XXXX XXXX XXXX XXXX and they responded stating that they disbursed the funds on XX/XX/XXXX. This is a downright LIE. They did not disburse my funds to me until XX/XX/XXXX. My bank statements are attached to prove it. How can you possibly let them do this to students? All it's doing is hurting us, and this fraudulent activity on their part is going to cause the school to shut down and therefore cause XXXX XXXX to lose customers. This is horrible business and everyone involved should be ashamed. I didn't respond to the company 's response sooner because I received no notification that the complaint had been processed. Original complaint # : XXXX
when I was issued USBANK credit card it was disclosure about interest rate and term that I agreed, my point in credit cards XXXX, XXXX and XXXX since they are dealing withmoney that credit cards co must protect their clients against fraud and identity theft, on XXXX/XXXX/XXXX I purchased item that was defective and incorrect power source, since the item coming from XXXX, since I paid with my XXXX card, USBANK must disclose the transaction to me that if paying with XXXX if returning the item you are responsible for shipping cost if your item is defective and wrong not only did that it also caused stress and financial injury for not disclosing it at time of purchase than must pay the cost and compensate me for stress and financial injury and CFPB must panelize them. I think the XXXX committed fraud and knowingly shipped the defective item with wrong power source and since the cost of shipping is about {$210.00} I will not be able to return it.
I called several times to inquire why I was charged {$160.00} for other fee. No explanation was given and they didn't know! All things considered the other fee is inappropriate and improper. My account number is XXXX with SANTANDER CONSUMER USA.
I am XXXX of XXXX equal parties on a mortgage. The mortgage company refuses to list my name on the mortgage statement received monthly as " their system only allows XXXX names to be listed ''. I am functioning as the " primary '' on the loan and make the monthly payments. The post office keeps writing on the envelopes questioning whether they should deliver these documents to my address as I am not listed on the correspondence. I have tried repeatedly, most recently, today XXXX/XXXX/2017, through their customer service department to get this rectified. They refuse to make any attempt to do so, but insist that I write them a letter, which I have done previously. They insist they have never received any of this correspondence. They also refuse to reveal any consumer protection agency to whom I can ask for assistance.
I finished school around XXXX years ago. I had called sallie mae to pay my loan off. They gave me an incorrect balance. I have n't heard from them till 3 months ago and they would leave dozens of herassing phone calls. Apparently what happened is they did n't give me the correct balance to pay off. They said I still had a balance due. They state that I owe them the remaining balance with interest. They used the large sum of money I sent them earlier to make minimum payments over the XXXX years, and I am now past due. They never once sent me a statement in the XXXX years saying I owed any money. So in short, I thought I paid my loan off XXXX years ago, and today I am told I owe over {$10000.00} on a balance of {$7100.00} from XXXX years ago. They are refusing to work with me and when I ask them to send me paper info in the mail they say ok. In 3 months I have n't received any paperwork, other then the monthly statements they are now sending. I do n't feel it is right to make me pay interest on a loan I was told was paid off and never given a bill for.
I have XXXX issues. First is I had a debt paid off with ACS over a year ago, last month I got a letter from them stating that they overcharged me XXXX dollars XX/XX/2013 and are now refunding the money. In addition the letter they sent which I will attach, is incomprehensible and makes no sense at all stating some people received more or less money than I did so they are refunding my money. 
The second issue is that account has been closed for over a year and last week I got an email from the company with an access code to access the account, which I did not sign into or try to access, I then logged in myself and it says that the account had just been accessed so it appears they have been hacked, my wife then had a similar email and her loan was paid off a year or two before mine.
Received a letter on XXXX/XXXX/2017 from XXXXnited Collection Bureau Inc. regarding a debt collection. Sent United Collection Bureau IncXXXX a letter on XXXX/XXXX/2017 requesting their Texas XXXX XXXX XXXX and debt validation pursuant to Texas Finance Code Section 392.202. XXXX XXXX XXXX XXXX responded on XXXX/XXXX/2017 with account statements from the original creditor but failed to provide their Texas XXXX XXXX per Section 392.101 of the Texas Finance Code and other documents required by Texas Finance Code Section 392.202.
Regardless of the validation requirement not being met, United Collection Bureau has violated Section 392.101 of the Texas Finance Code which prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 

Texas law considers a debt collector as any person who regularly attempts to collect debts owed to themselves or others. 

Chapter 392, Finance Code, provides for both civil remedies and criminal penalties. Tex. Fin. Code 392.402.404. A consumer may take private legal action against a third-party debt collector or credit bureau for a violation of Chapter 392. In addition, a consumer may file a complaint with the attorney general if the consumer feels that the third-party debt collector or credit bureau has violated Chapter 392 by engaging in a false, misleading, or deceptive act or practice.
Engaging in debt collection without filing a bond with the secretary of state is a violation of Chapter 392 and may also be a criminal offense. Tex. Fin. Code 392.402.
I am contacting the CFPB for assistance as I am afraid I am being pushed to accept a trial payment under the FHA HAMP program that is higher than it should be under the guidelines issued. I have attached the detailed FHA HAMP trial agreement to this complaint as well. The trial payment was calculated to be {$2500.00}. Within the same agreement, the letter states my income was calculated to be {$6800.00}. This would leave my housing ratio at 37.68 %. According to the HUD guidelines, this modification program is designing to lower the mortgage payment to 31 % of the monthly gross income. If the payment was calculated to be 31 % of my income, the monthly payment would have been closer to {$2100.00}. According to the HUD underwriting guidelines, the payment should have been calculated as less. The unpaid principal balance on this loan is {$340000.00} plus arrears owed $ XXXX {$400000.00} - 30 % allowable deferment = {$280000.00} over 30 years at 2 % = {$1000.00} + escrows {$1000.00} = {$2100.00}. So my income of {$6700.00} x 31 % = {$2100.00} is just enough to qualify. When we questioned this with the bank, we were told this can be calculated up to 38 % for this program but I do not see those guidelines listed anywhere for FHA HAMP as all that is stated for the target payment is the 31 % and not 38 % for the proposed payment. 
Although I am grateful to have the opportunity to keep my home, this difference in payment would be almost {$450.00} less a month and so much more affordable. My main concern is not to be so tight in making the payments that only XXXX unexpected expense could put me delinquent again and that is very scary. I want to ensure I am never in default again.
My family and I have had issues paying our mortgage in the past year. My husband is a XXXX vet and has recently had XXXX and is currently unemployed. We have filed with Navy federal with the loss mitigation department to help push back some of our payments to the back of our loan. Last year when we filed we were asked numerous times to resend paperwork and proof of hardship that we sent in. NFCU was asking us to resend paystubs and our taxes even though they had all these documents from our refinance. We spend time sending and resending all the information needed over and over again but never had the right combination of documents completed according to NFCU. This year I filed again for loss mitigation as my husband had XXXX and is unable to work. NFCU has asked us to send them a hardship letter and my husbands pay stubs again recently even though I made it expressively known that he is unemployed. A few months back we owed the bank over XXXX dollars and I paid down that debt to XXXX. While we are in the process with loss mitigation I am told I am not able to make partial payments and in the same breath they ask us to pay a month in a half of mortgage owed- this is a partial payment thus they are going against their own philosophy. We also received a notice of foreclosure yesterday. I am just in shock as I thought that while we are in loss mitigation and potential forbearance they can not foreclose, not to mention I owe less then a few months ago. We have told them that starting next month we will be able to start making our regular payments as scheduled since my husband will finally receive his VA XXXX back. These 2 years have been extremely hard on us financially and I thought that banks should make an effort to assist us. I have XXXX small kids and with a prospect of losing my home we would just be tossed out on the street like garbage. Please help.
I am on a XXXX with automatic withdrawal set up by Navient. First Payment was made XX/XX/2016 ) An automatic withdrawal was made of XXXX. The balance at the time before payment was made : XXXX which means I have over paid by {$300.00} XXXX attachment of time stamp XXXX ) My account reflects a balance owed of XXXX cents- see attachment of time stamp XXXX ) Allocation of funds are incorrect and not adding up- see attachment for details A concerns and situation I have expressed and experienced BEFORE in previous complaint w/ Navient. 
XXXX ) I do not want to be falsely reported to credit bureau AGAIN like in previous complaint XXXX ) I have over paid how is this affecting my account and debt? 
XXXX ) Allocation of funds needs to be CORRECTED IMMEDIATELY since I am on an auto payment set up by A NAVIENT RATE REDUCTION REPRESENTATIVE. 
With all these running issues I have contacted Massachusetts Attorney General XXXX office and State Senator XXXX office to help communicate on my behalf to elevate these problems and NO RESPONSE from Navient or resolution has come from it. 
The CONSISTENT PROBLEMS & SITUATIONS Navient has been putting me through are EXTREMELY OVERWHELMING, BEYOND STRESSFUL and UNFAIR! 
Their lack of communication, responsiveness and accountability with these situations/issues are XXXX. 
A payment of XXXX is scheduled to be withdrawn on XX/XX/2016.
I was contacted on a freelancer site called XXXX saying that I was going to be an editor for the website www.gainsight.com. The person who did this contacted me from the number XXXX on XX/XX/XXXX. He claimed his name was XXXX XXXX. He told me to contact his Hiring Director XXXX XXXX ( XXXX ) via XXXX XXXX   for the interview and job briefing. 
I then contacted her and went through with the interview, was hired, and told I would be paid a rate of $ XXXX/hr. I was then told I would be emailed a check for {$1200.00} and that I was to mobile deposit it and send her a screenshot of the confirmation. This money was supposed to be for my materials to start working : software, work time tracker, etc. I did that. When the money was in my account ( XX/XX/XXXX ) she had me to make a XXXX XXXX account and send {$800.00} which added up to {$870.00} by the end to XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX, TX XXXX. I sent them that ( XX/XX/XXXX ) and apparently the money was picked up by said person. A day later ( XX/XX/XXXX ) I was told to go to XXXX and buy three gift cards in {$100.00} increments for them. They stole my codes and redeemed them. 
After XXXX tells me that they are waiting to ship my items I do not hear from her. Which was fine because she said she would talk to me tomorrow ( XX/XX/XXXX ). Around XXXX on XX/XX/XXXX I receive an email saying that my account was overdrawn by {$1100.00} ... the amount given by a bounced check plus about {$14.00} I had in the account. I went to go to tell XXXX about this but am blocked on XXXX XXXX. I tried calling XXXX XXXX ; he is using a texting service so no call could be made to him. 
I called XXXX XXXX and tried to get my money back but could not. They filed a case for me which was case number:XXXX. I do not have a way to pay overdrafts or the fees and need my money back. 
I called XXXX XXXX and filed a claim with them. I filed a claim with XXXX who put a hold on the gift cards. I filed a claim with my local law enforcement. I filed a claim with my bank ( PNC ). I filed a claim with ic3.gov ( FBI ) The bank is telling me that I am responsible for repaying this in 14 business days. I was the subject of fraud and I am held responsible for the money. I do not have that money and find that I deserve to be repaid this money and not be at fault for something I did not do intentionally. I was not aware that this check would bounce. Therefore, I should not be liable for this