WillisBack/dataset-financial-user-claim huggingface dataset:
on XX/XX/XXXX select portfolio servicing put my home on auction even though i have been trying to pay them for a year! they said i needed a modification, which i did not, and they stopped accepting payments! then they said they never recieved my paperwork even though i had tracking numbers etc. now my home has been sold even though i filed ch XXXX in a timely fashion. Also they said i owed at least 3 times what the missed payments were making it impossible for me to redeem my property.NOW they have not recieved my cash for keys agreement, despite my having a tracking number proving otherwise, ,now they say the offer is expired.They stole my home and wont even honor their agreement! when i called today to ask about it, the man said '' let me see, thats step # 7 ''., he then told me he was reading of a cheat sheet and that all his answers were pre scripted!!!! when ever i requested records from them i never recieved them, except for my signature on a loan doc which i did not sign.it was dated XX/XX/XXXX, i know for a fact i did not sign any docs that day because that is the EXACT day my grandson died and I know exactly what I was doing that day and it wasnt signing docs!
On XXXX/XXXX/15 I opened a Citigold checking account with an offer stating I would receive XXXX Thank You points ( worth approx. {$400.00} ) after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX Thank You points to be deposited into my account by XX/XX/XXXX. During this time I was charged XXXX monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited at XX/XX/XXXX, Citi has decided not to honor the promotion. Citi has decided that I wo n't receive the points unless I find a postcard from 6 months ago. I do n't keep mail around for 5 months, and NOTHING was ever said over the past 5 months about needing to keep that post card. Now I have {$90.00} of fees and I will not be getting {$400.00} worth of Thank You points. This is NOT right. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done.
On XX/XX/XXXX, I sent out a Validation letter to XXXX XXXX, to validate the debt was mine and to receive a signed contract, On XX/XX/XXXX, I receive a letter of summary of what they say I owe but no signed document, that same day I sent out the second letter asking for a signed document and letting them know that this doesn't not validate or verify. On XX/XX/XXXX, I received the same thing again but this time including XXXX XXXX XXXX
My complaint is in regards to the XXXX/XXXX 2017 Equifax breach. I had just learned about the breach on X/X/2017, and evidently Equifax did not notify customers that their personal identifiable information ( SS #, name, address, birthday, etc ) had been compromised as soon as they learned about it. Such negligence could have allowed numerous hackers to commit identity fraud that could have been prevented. They are also defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 
In addition to Equifax 's negligence, XXXX, XXXX, and XXXX should NOT be charging customers with potentially leaking information a fee to set up a Security Alert. A police report should not be necessary in situations such as a massive hack. 
Furthermore, they have a responsibility to notify EACH and EVERY individual who was a victim of this hack.
I initiated a review with the Experian and XXXX   beginning in XX/XX/2017 because I believe my Bankruptcy had been recorded with the court but has been reported by the credit bureaus inaccurately and not in compliance with the Consumer Protection laws.
A few times my wife and I were behind on payments. After being told not to call several times, their rude representatives continued to call and harass with auto dialers. The company sent false letters not reflecting payments made and charging outrageous late fees, interest fees and fees to accept payment over the phone. Also, despite not being more th en 6wks behind, they are trying to say we are almost 3mos behind, threatening foreclosure and sent people to our house twice in one day for  hand delivered harassment letters to contact them after making the account current staying they hired a third party company to help them. They illegally sold our info to their partners before giving us the option to opt out and then sent letters after the fact to limit sharing after damage had already been done.
I received a 10 day pay off. The payment closing payment was received by the company about 4 days early, and all numbers magically balanced to  XXXX . They did move some  to Escrow which they paid out as expected. I know that they will write off a min amount if they are owed but did n't think if they owed me that they can just make it  XXXX . I made two calls to them to get this resolved and they just kept saying it was correct. The second call they said they would progress it to another department but I have n't heard anything in 2 weeks . I do n't think this is legal for them to just keep money owed even if its  XXXX  dollars. In both calls, neither rep to explain how they got the balance as  XXXX  other than it was right. I 'm pretty certain they are just keeping extra money from alot of loans at closing and either customers arent paying attention or they are willfully frauding them. The details in the payment history just dont add up to Principle/Interest/Escrow.
My XXXX XXXX  card from XXXX  was cancelled by the merchant along with many others as they were going to replace it with an XXXX  card from XXXX XXXX that will arrive in XX/XX/XXXX. Equifax received this notification from XXXX   and Equifax reported this without any reason for the card being canceled My credit score on XXXX XXXX from Equifax went from XXXX on XX/XX/XXXX to XXXX a 134 point change on XX/XX/XXXX. My XXXX score remained the same at XXXX. I filed a dispute with Equifax and with XXXX XXXX. I have spoken with XXXX XXXX and have not heard from anyone .I have had the XXXX XXXX XXXX Card for over 9 years XXXX XXXX # XXXX card # XXXX XXXX XXXX XXXX
Western Union would not assist me over the phone. I had sent money through their service and there was a technical difficulty - they would not assist. I spent hours on the phone and they kept telling the money was availble - the person trying to collect the money at the other end could not get any help from Western Union.
I was approved for a loan modification on  XX/XX/XXXX   ( See letter attached ).  I completed the requested trial successfully  ( S  ee letter  dated  XX/XX/XXXX  ). I was issued final loan modification documents some time in    XXXX   XXXX   . I signed and returned those documents to Bank of America within the time allowed  ( Pa rtial copy attached as I have lost the rest of the agreement ). I then made my first regular modified payment on   XXXX   and never missed a payment until Bank of America stopped accepting my payments some time around   XXXX   XXXX  . I hired an attorney during this process to help me with the paperwork. That law firm,   XXXX    XXXX   XXXX  , told me everything was done and my loan modification was completed in   XXXX   XXXX  . Around   XXXX   XXXX   Bank of America stopped accepting my payments without notice. I returned to my attorney 's office,   XXXX   XXXX   XXXX  , and asked them to find out why my loan was having a problem. The attorney called the bank and said it was fixed and I again could make payments. I made  two more payme nts and then Bank of America stopped accepting my payments again. I returned to   XXXX   XXXX   XXXX   and I was told by the attorney that it was my fault and that I did n't fill out the paperwork correctly. The only way he would help me is if I paid him again. I had no choice and I have been paying   XXXX    XXXX   XXXX   {$500.00} per month to fix my loan. I now received a N otice of Sale  with a sale date for  XX/XX/XXXX . I called   XXXX   XXXX   XXXX   to inquire as to why I would have a sale date if they were working on my loan and the only thing I was told was that I still owed them {$500.00} for the month of   XXXX   XXXX   and if I did n't pay it they would sue me and that they would not help me unless I paid the {$500.00} immediately. Otherwise my house would foreclose. I never made any errors I was made aware of by Bank of America in returning my loan modification agreement. I never missed any payments until Bank of America stopped accepting my payments. I have never received anything from Bank of America explaining why they stopped accepting payments from me or advising me that my loan modification was either cancelled, not honored or whatever. I 've been completely in the dark and to this day I do not know why my loan modification was not honored.
I have no knowledge or record of  XXXX  account number  XXXX  on my credit report. I have disputed this unknown medical account with the reporting collection agent as per Equifax instructions in their response and have no valid response. Which was shifting the burden on me which was a violation of my rights. They have failed to fulfill my request to verify this unverified account by providing physical proof of verification.
I called my previous mortgage lender Stearns Lending on XXXX XXXX, 2015 only to state that I had my loan tranferred to XXXX. I did not and have not received any information regarding the mortgage loan transfer until I contacted Stearns Lending on the above mentioned date. Reason I am filing a complaint is I currently am going through a valid hardship ( i.e. lost my employment ) and have sent off the hardship letter package on XXXX XXXX, 2015 to Stearns. I am attempting to determine what are my next steps and I have been on the phone with both Stearns and XXXX for over an hour today and have gotten no information as I have retained copies of my hardship package as directed by Stearns Lending to attempt to provide this information to XXXX to no avail. I want to file a complaint against Stearns Lending for not providing me a 15 day notice that my loan was being transferred as I have not received any educated information on what steps I can do to make an educated decision on what to do next without losing my home.
I received an email from Experian that the investigation is complete and my report. isready. Unfortunately, every time I tried to log into the report Experian 's website had problems and I ca n't log into it. I emailed customer service several days ago, got another email with the comment that my report is ready and again the website is telling me : '' We 're sorry, we experienced a system problem and are unable to provide your personal credit report for online viewing at this time. You may want to try again later ''
On XX/XX/2018 I opened up a XXXX XXXX XXXX card because the associate said I would get 25 % off purchases made that day and the next day. I was looking for a disclosure about the 25 % ( because I thought it was 20 % ) and the associate said they didnt have any updated ones so I never got one. I just received my first statement in which the balance is {$1000.00} ( my actual balance is {$1100.00} because I purchased items online that night, so the complaint is for the full amount of {$1100.00} ). When looking at my purchases, I did not receive the 25 % off of everything like I was told. I called customer service and they told me the 25 % off was up to {$100.00}. I was never told this and would not have opened the card. The customer service rep transferred me to a manager at the water tower XXXX in XXXX where I opened the card and she told me she was going to contact the manager of the associate and call me back, but I still havent received a call back.
I was on the Income-based repayment plan before I started XXXX school. When I started XXXX school, my loans went into in-school status. At the same time, it was time for me to reapply for the payment plan I was on. I 'm a XXXX employee XXXX, and I was also trying to work on the XXXX Forgiveness program. Fedloan told me that in order for my payments to count, my loans would have to be taken off deferment. My loan status of in-school also denied me from getting reapproved to have the payment I was on. They told me I had to wait for a form to come in the mail when in fact it could have been sent electronically. I filled out the form after waiting for two months. Come XXXX 2015 after my loan status was fixed, I reapplied for a reduced payment plan. That took 3 months to get resolved after talking with several general customer service reps and XXXX supervisors. Because I was waiting for them to change my payment plan, my loan payments returned to the normal rate of XXXX dollars per month. I ca n't afford that. After some time, my loans went into delinquency because I was waiting on Fedloan to change my payment plan. It was only two days after my due date that I called and got my account put a forbearance put on it. After speaking with a specialist, I finally managed to get on the payment plan I wanted. However, because of my loans going into delinquency, I owed XXXX dollars. I am currently working with the specialist I have been in contact with to get this resolved. 

In short, the problems I have with Fedloan deal not only with customer service issues, but with inefficient business practices. They are incompetent and almost not worth dealing with, even though I want to participate in the XXXX XXXX Forgiveness program.
In XX/XX/2017, our second loan was sold from XXXX XXXX  to Statebridge Company. When Statebridge took over our loan, I had called to setup ACH transfers to pay our monthly fee. They shared I had ACH transfers set up, for XX/XX/XXXX they told me that I was setup with ACH and I would be all set. I double checked when I did not see the payment come out, and called back. It was then shared that I did not have ACH transfer set up, so I made a one time payment and they shared that ACH would then be set up for my next payment. In XX/XX/XXXX I had an ACH payment taken out. But in XX/XX/XXXX did not. Again Statebridge then claims I did not have ACH payments set up. They are very unorganized and every time I have to call back they have no explanation. This company should not be allowed to have my second mortgage, I hope each month that this gets sold to another company. Statebridge is not operating in an efficient manner and I fear there are other customers out there that run into the same issues.
I paid National Credit Adjusters {$1600.00} on XX/XX/XXXX, they show my account in the negative and still open, {$2100.00} Needs Attention Overview You've paid off 0 % of your collection amount. 
Balance {$2100.00} Highest Balance {$2100.00} Opened XX/XX/XXXX XXXX XXXX yr ) Account status Open Type -- Responsibility Individual Remarks Collection account Original Creditor Name XXXX This account needs to be removed from my credit report.
On or around XX/XX/2018, I started a HELOC application with Bank of America. I worked with XXXX XXXX XXXX # XXXX located at their XXXX XXXX XXXX, XXXX, TN XXXX. During my first conversation with XXXX, we reviewed my credit history and he was made aware of my student loans ( all of them are current and in good standing, but on Income Driven Repayment plans ). At no point did XXXX indicate that balance of my student loans may be problematic. After submitting my paperwork and getting all of that out-of-the-way, I was required to pay for the appraisal and credit check. Only after the appraisal occurred, was my application reviewed in further detail. Ultimately, I was rejected based on my DTI because BoA guidelines dictate that my student loan payments must be calculated at 9X my actual payment amount. 

I am not complaining about the underwriting guidelines ; that is their prerogative. I am complaining about the deceit and misrepresentation that ultimately led to my paying for an appraisal that costs me {$520.00}, which can not be used with another lender. BoA had all my student loan information from the get-go. Their failure to adequately train their loan officers on the Bank 's own standards resulted in my spending {$520.00} for a useless appraisal. As no new information was gained after payment of the appraisal, BoA should return the appraisal amount. Their actions constitute an unfair, deceptive, and abusive act that costs me {$520.00}. I have repeatedly tried to reach out to BoA about this issue, but have largely been met with disinterest.
Portfolio recovery associates has contacted me stating that they purchased this account ( XXXX ) on XX/XX/2018 from XXXX XXXX. I did not authorize this account.
I received a telephone call on my cell phone XX/XX/XXXX, or XX/XX/XXXX. The caller gave me my birth date and ask for the last XXXX numbers of my social security number stating she could not tell me what the call was about until I gave her my personal information. She did say it was about owing money and maybe it was owed by someone else who put my name on it. Because we have all been warned not to give a caller our personal information, I told her she would need to contact me in writing through the postal service. She stated they had already done that. I have received no mail from a collection agency or from XXXX XXXX ( the company hiring the collection agency. ) I knew nothing about the incident until I received the call on my cell phone. I had XXXX XXXX year ago, but paid my bill on time and in it 's entirety. I dismissed it as a prank call. XX/XX/XXXX I checked my credit report and the collection company had put it on my credit report as a delinquent collection. My credit score went down immediately. I am frustrated by the methods the collection company used to contact me and asked for private information without giving me a name of the company or other identifying information. My credit has decreased by so much and affects my credit. If the company would contact me with a legitimate name or give me information to call them, I 'm sure this can be worked out. The collection agency is Amsher Collection Agency. I wish to get this issue resolved.
Company- loancare issue- failure to cancel PMI On XX/XX/2018 I paid my mortgage down to below 78 % for which requires the services to cancel my PMI. I contact them in writing twice and phone twice. The first phone call they stated they would cancel PMI asap in accordance with the law. As of a month later it has yet to be cancelled and on XX/XX/XXXX I contacted them again and they stated they have not canceled it since they must look into the loan to make sure everything is up to date which it is. I contacted them again in writing stating I would submit a formal complaint for failure to act in a timely matter and propagation of false information over the phone. They have still not gotten back with me nor sent me any documents for removal of PMI, or even asked for proof of no secondary liens on the property. 
I have never missed a payment, have a credit score of over 800, and they are have subsequently failed to follow the laws of PMI cancelation. Terrible company. One would only expect to have issues with a company when they are late or delinquent on payments but to perform illegally against customers who are up to date on payments is ridiculous.
XXXX XXXX XXXX is attempting to collect a debt I do not owe. They are claiming I owe {$180.00} for XXXX XXXX XXXX XXXX. I have asked them to validate the debt with a signed contract and they did not provide me with one. All the sent me was a bill from XXXX. Per XXXX  policies and individual can not have an insurance policy while having an unpaid past due balance. I am currently insured through XXXX! This is not my debt. I have written numerous times to the credit bureaus to remove this account and they say the company validated the debt. They will not send me any documents that they have that proves this is my debt.
A T T E N T I O N!!! SHERIFF SALE XXXX at XXXX. 
I am writing you to explain what happened with a streamline modification that my lender says he never got. In XXXX XXXX I was given a loan mod after paying a 3 mo. Trial period. I received the new loan and sent it back to the lender in the envelope provided by the lender ( XXXX overnight envelope ). We were NOT instructed to track the envelope or anything, just sign the loan mod and send check for the first payment in provided envelope. 
This was for XXXX XXXX th deadline to send, I sent it on XXXX XXXX XXXX, a Saturday. I heard nothing from my lender ... .no letter saying they got the package. This was supposed to be mailed within 5 days of lender receiving the package. Without hearing anything, we sent the next payment on XXXX XXXX XXXX. 
I thought all was fine, and then the XXXX check shows up in the mail un cashed. I imediately called my Rep at green tree lending ... XXXX XXXX And left a message for him to call me. He never called. I waited till XXXX XXXX and was ready to pay the monthly payment but decided to call again. I did NOT talk to XXXX XXXX But someone else told me that they did not receive the documents and that I was in default again. After being told to write a letter of appeal explaining my situation I was told to " Re-Make '' any payments I was supposedly late on. My letter was denied and I was told by letter that if I could prove I sent it, they would honor it. They kept my check for ALL months I was supposedly late on, and then sent my check back to me un cashed, not deposited into a suspension fund, just back to me un cashed in XXXX of XXXX. I still have all the checks and letters sent to me. So after dealing with another sheriff sale, I had to hire a professional loan negotiator to start working on this problem. I was, after several months of sending documents, XXXX XXXX XXXX reports, and pay stubs and past taxes I was given a loan mod that doubled what the streamline loan XXXX. was. Fearing of no other recourse, and after being told that this was the last time they would do this, we had to sign the new agreement even tho we were going to pay twice the monthly amount. I am a seasonal company owner that does not work in the winter months, so I have to save money for winter bills. I planed my winter for the streamline payment of {$650.00} but after the lender changed the new Mod Loan to {$1200.00}, I was never able to catch up on the arrears I 'm facing now. In all seriousness, I am scared to death of dealing with the lender at the collection level, I do n't trust anything they say, and I certainly believe i was a victim of discrimination and predatory lending practices. As I stated in the letter head A T T E N T I O N!!! S H E R I F F S A L E O XXXX XXXX at XXXX. Is there anyway to stop the sheriff sale to continue negotiations with lender or do I need to file a lawsuit against the lender. Please help if you can Thankyou. 

Again, Sheriff sale is this Friday the XXXX at XXXX am ... .... Please help if you can, we do not want to lose the house, we just want the contract we signed and mailed in XXXX XXXX
See complaint XXXX for more information. On XXXX XXXX, 2017 there are 2 hard inquiries on my credit report for CREDCO which appears to be through XXXX. XXXX  contacted me via phone because I was looking to refinance my mortgage. I spoke to XXXX XXXX who was very rude and pushy and he completed an application in my name which I did not request and then he did a credit check as well. I contacted him and he said it is there protocol to submit applications when someone is looking for rates but I did not ask for rates. I told him I was not interested and he did it anyway. I also emailed his supervisor and never got a response.