WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2017, XXXX XXXX Loan License mortgage loan officer who worked with AnnieMac Home Mortgage located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX with office number : XXXX ( XXXX ) XXXX. She called me and e-mailed and offered me refinancing my property to save my mortgage payment. After we talked over the phone, she e-mailed me requirements to submit to their company directly to her. My partner and I submitted our documents together. Our documents contains our personal information, financial information, tax records, from our social security to our pensions together were all submitted to her. After completing submitting all the documents, I never hear from her anymore. I called and left messages and emailing her and still no response from her. After couple of days, I called back again and the sales department told me that she was no longer working there and he told me, the manager will be calling me. I never received any calls anyone of them until now. Just our concerned was, " where are our documents ''? Are they safe? Are they with XXXX XXXX? Despite of my calls and e-mails to this company, nobody will email me back at least will tell us what was happening? They claim that has been in business for 20 years helping families, but it seems that they are scammers getting personal financial information to innocent family like us. This company should be flag giving warning to the public.
I purchased a house in Massachusetts back in XXXX with Countrywide Bank in the amount of $ XXXX. In XXXX I could not afford my mortgage payments and the bank initiate a short sale process in my primary house. I tried to negotiate with BOA but the Bank did not want to make a fair agreement. My house was sold to a 3rd party for a half of the amount owed to BOA. 
Bank of America owned both mortgage by then. The house was sold in XXXX. In my perspective both loans will be cover by the sale. BOA never informed myself that I could have a deficient judgement against me. Few weeks a go a collection name XXXX XXXX XXXX XXXX contact me trying to collect an AMOUNT OF {$61000.00} saying that Bank of America transfer my 2nd Mortgage to them in XXXX XXXX. At this point the house was not even sold and I was living in the house. 
My complaint is : How come BOA sold this loan to a collection before the house was sold? 
Unfortunately I did not had any legal support in order to give me and my family orientation in regarding to remained balances of this mortgage. 
How came they want to came after myself with both loans was done when the house was purchased. 
Please help me to solve this situation. If this is true I would need to file for bankruptcy since I do not have the funds to pay.
My mortgage monthly payment was Increase and tthey refuse to give explanation on why. My property taxes has went down as well as the PMI. On several occasion I have requested an Analysis of my escrow account amount but the company has refuse to do so.
They called me once asking if XXXX worked here, I told them no. 

They called back a second time and asked if XXXX worked here. I told them no. 

They called back and left a message on the voicemail next, to which I replied in a voicemail that this was a place of business and they needed to contact their customers on their personal lines, not to call anymore. 

They called again today and I let her know I had already asked the calls to cease.
On XXXX/XXXX/16, I used my card at a Chase bank ATM to withdrawal {$500.00} from my card. I received a receipt that says " transaction denied '' and did not receive the {$500.00} I requested. I then went to a XXXX XXXX ATM and was able to withdrawal {$500.00} twice, for a total of {$1000.00}. 
I checked my account balance on XXXX/XXXX/16 and saw that the {$500.00} that I did not receive was deducted from my account. I contacted customer service and submitted an oral dispute claim. I was instructed to fax a written statement within XXXX business days and was given a reference number. On XXXX/XXXX/16, I faxed this written statement to the number provided. On XXXX/XXXX/16, I contacted customer service to check on the status of the dispute. I was told they had no information for me and they could not confirm or deny receipt of my faxed statement. I asked to speak to someone else and was told I could not and I had to wait the 10 business days first. I decided to refax my written statement, just in case, and did so on XXXX/XXXX/16. 
On XXXX/XXXX/16, I contacted customer service again, as this was the 10th business day and I did not have a provisional credit in my account. I was told by customer service that my account stated I would receive provisional credit on XXXX/XXXX/16, if they received my faxed written statement. I communicated that I had faxed this written statement twice and confirmed the correct fax number. After being put on hold for several minutes, I was told they did n't have it and I would not receive provisional credit until they received it. I referenced Regulation E, which states that the company is required to provide provisional credit within 10 business days of receiving the oral complaint, regardless of their requirement of written documentation. The customer service representative told me she would forward the information to her supervisor, XXXX. I informed her that I would be contacting consumer finance if I did n't have the credit in my account, which to date, I do not.
XXXX has XXXX credit inquires ( XX/XX/XXXX & XX/XX/XXXX ) on my credit report that were not authorized.
For the last seven years I was in foster care. Last summer at XXXX years old I signed myself out and was forced to stay with my estranged father and stepmother. This was out of financial necessity. I was told that we were going to XXXX store for a family plan. I assumed that it would be in either my father or my stepmothers name. When signing the contract for XXXX I was told that it was for just my phone. Instead I was signing a contract for XXXX smart phones. I did not realize this until about a month later when I got the bill. Any attempts that I made to rectify the situation failed. The other people in the contract refused to help pay the debt and let their phones default. I was nave and had no idea how to fix the situation. I did not want to ruin my credit so I called XXXX and made payment arrangements for a bill over {$2000.00}. I recently lost my job and was unable to make a payment and XXXX sent my account into collections. XXXX refused to negotiate and I do not feel that is my responsibility to pay the full debt. I feel that XXXX was negligent in that the XXXX representative at the store did not explain to me what I was signing and did not contradict what my father had told me. I feel that I was taking advantage of.
So I started working with Citi over a year ago, as detailed in another complaint. After extensive back and forth where they asked for my paystubs and bills, they eventually decided that they would not help me refinance. They have said they pre-approved me for short-sale, but wo n't help me stay in my house. 

This seems such a waste to me. I finished my XXXX, have a good job which would let me pay my mortgage ( I make XXXX/year doing regulatory compliance ), and rather than work with me to get out of foreclosure, so I can keep my house, and pay my mortgage, they insist I leave. To sell the house, I would have to get Title V approval, and possibly build a new septic system. Why I would invest more money into a house that I am just going to have to leave is beyond me. 

I do n't really want to declare bankruptcy and see if a bankruptcy judge would approve a new mortgage plan. I do n't want to invest further in a house I ca n't keep. It just seems such a waste. Sure, to refinance they would probably have to write some of the debt off, as I am already underwater, but that money is gone if they foreclose anyway. I honestly do n't know what else to do.
My Account is in good standing. Bill to American Express Platinum is due XX/XX/2018 but as of a week ago American Express has been sending me numerous emails saying my card is frozen. I called and told American Express that my bill is not due and I should be able to use my PLATINUM CARD until I fail to make payment. It is misleading therefore for company to state card has no limits! It looks like some kind of racket that should be investigated. I am going to rethink my relationship with American Express. I don't like second class status!
I am so sick of being a victim of the incompetent gap customer service and fraudulent departments! I called into gap 2 months ago when my account was locked online and was then told that my account had a fraudulent charge and my card was cancelled and sent a new one. They never even notified me and I had no access to any of my old statements because they were all online. I had to go on vacation so I had to make sure that I paid all I owed so I was n't charged a late fee. I spend nearly 6 hours on the phone that week with GAP online purchase department and went line by line of all my orders and credits over the phone and made sure I paid the exact balance minus the fraudulent charges. I just logged into my account online today with the new card only to find that they never even submitted my fraudulent charge for investigation, charged me late fees for 2 months on my fraudulent charge. I do n't see any of the statements or activities for the old credit card even though they told me it would be transferred and I would have access to this information. Both customer service and fraud department tells me I will have to wait another 60 days, they do n't remove the balance from the card, so it looks like I do n't pay my bills and they will keep charging me late fees. I told them that I do not owe them a cent and I paid off everything but the fraudulent charge, and I asked them if they are reporting me as not paying my bills and ruining my credit as a result of this, and of course they do n't know and simply told me that I have to wait 60 days. Gap credit is the most incompetent credit card I have ever experienced, and it feels like there is nothing I can do. If they XXXX my credit I will sue. Not to mention they have wasted at least {$500.00} worth of my time and stress and grief over this. I am furious!
On XXXX XXXX, XXXX, I initiated a purchase of 10 Ethereum for {$1900.00} The website showed that the transaction has " COMPLETED '' and everything looks normal. The website still shows this transaction as " COMPLETED ''. 

On XXXX XXXX, XXXX, Coinbase deducted XXXX XXXX from my Coinbase account. 

I did not authorize this transfer. I authorized {$1900.00}, not XXXX BTC for the purchase of ETH. Please return my BTC and debit my bank account for this purchase.
On XX/XX/17, I transferred money from my amex reserve savings to my main account to pay two utility bills. Once I transferred the money, I noticed when I tried to make payment it declined. So I logged back into my account to make sure I had transferred the correct amount and I saw three XXXX charges totalling XXXX from store # XXXX XXXX XXXX XXXX in New Mexico. I live in North Carolina and I have n't been to XXXX in weeks. I was upset because this has never happened to me. I call the number on the back of card, the first associate does n't even truly listen to my complaint she just says that there is nothing she can do I would have to wait till 3 days for it to clear. I asked to speak with a manager cause it was obvious she did n't even take the time to understand my complaint so when the manager gets on the line. I pretty much get the same spill but was livid after I explained to her that there is no way I could have made those charges and I need my money credited back, she tells me based on your transaction history this could have been something you done. I began to cry and scream at that moment because that was rude. My transactions history had nothing to do with fraudulent activity so then she says let me research it cause the fraud team wo n't open up till XXXX Eastern time. So after she reviews my transactions she ask where I live and I told her and she says that it looks like these transactions were made at the store in NM and this is fraud. So that morning I call the fraud line wanting to understand how this could have happened. To be told that it 's still pending watch my account to see if it clears or not if it does then call back and they will do an investigation and it could take 7 to 10 business days. They did not reverse charges clearly seeing that there was no way that I could have made those purchases. There were three that came through at the same time and it was obvious fraud. She told me to call the store and see if they can look into it and block the charges from coming off. To my understanding that is what they are supposed to do. I had no success with getting anyone to assist from XXXX accounting department to help and it 's frustrating as this was my utility bill money. They do n't care cause it 's not them. All she could offer to do was send me another card. Why would I want to continue to do service with a company who does n't even protect my money from fraud?? I am disgusted, upset and have no faith in using my debit card with them or anyone else for fear that I wo n't get the help I need.
My mortgage is delinquent. I have repeatedly requested a loan modification from Wells Fargo Home Mortgage and have been denied without being given a full explanation for the denial. I have continued contacting Wells Fargo to no avail. Foreclosure is eminent. I am contemplating filing for Chapter XXXX bankruptcy protection, as well as other legal alternatives, in order to protect the property. A loan modification would better serve all parties involved but for reasons not fully explained to me Wells Fargo has denied my multiple requests. My concern is that if the foreclosure process proceeds I will also be responsible for paying the exorbitant legal fees associated with foreclosure proceedings making retention of the property much more expensive and difficult. I have expressed this concern with Wells Fargo Home Mortgage numerous times and have been told they will not suspend foreclosure proceedings as they have a right to pursue such action. I am consistently told I will receive correspondence in return only to be kept waiting. I have also received outside correspondence stating that my mortgage has been sold to a new investor. I have corroborated this information with at least one outside source. However I have received conflicting reports from Wells Fargo Home Mortgage as to the veracity of this information. In essence I am not being given a straight answer. I am left will few alternatives. I believe Wells Fargo Home Mortgage is in violation of the Massachusetts Consumer Protection Act as well as numerous federal statutes and am considering legal action in order to protect my rights and property. in exploring available remedies i herein file this complaint.
Navient refuses to lower my monthly payment and suggest that I find a way to pay it or it will just add up. They suggest forbearance and or deferment. I will not do that. They made me do that before and it just added more to what I owed. Completely unjust! 
I have loans for XXXX different schools, XXXX XXXX XXXX XXXX and XXXX University.
In attempting to verify my identity the XXXX credit agencies use information from my relatives then hold it against me that I do not know the answer. Transunion is the biggest culprit of this, where it is at the point that I am unable to get my own credit report due to their clerical incompetence.
I received a call from Zwicker and Associates claiming I owed a debt to XXXX XXXX XXXX voicemail ). I called XXXX XXXX to see if there was some old debt of which I was n't aware. They told me all my accounts were in good standing and that there was no debt. I researched the phone number on the internet and discovered this company harrasses consumers and tries to convince consumers that they have a debt.
On XXXX XXXX XXXX, I became aware that several credit inquiries had been made on my credit report. These inquiries were the result of identity theft, in which someone used my personal identifying information to apply for and or obtain credit cards and make fraudulent purchases. One of the credit cards applied for was an XXXX store card issued by Synchrony Bank. I contacted Synchrony Bank and let them know of the fraud. I then followed up with a request for the information used in opening the account, including the IP address. I included the name of the investigator working on the case, a notarized Affidavit of Fraud, a copy of the police report, and a request for information..This was mailed on XXXX/XXXX/XXXX. I did not receive the information that I am entitled to under the Fair Credit Reporting Act. As I have stated, I am entitled to this information by law. I would like to find out who has done this and the information I requested may help me to do so.
Experian is reporting XXXX incorrect addresses. This is not or never have been my addresses. Please remove the following addresses, immediately : XXXX and XXXX XXXX XXXX XXXX
Per the agreement reached between GreenTree Servicing and me, the escrow account was to be removed from my account once the escrow balance was brought to a {$0.00} balance. As of XXXX XXXX, 2015, the escrow should have been a {$0.00} balance as I made a payment of {$130.00} to the escrow account and {$400.00} to my principal/interest ( my normal mortgage payment pre-escrow ). I included a signed letter with the payment breakdown and requesting a phone call if there were any issues. I followed up with a phone call to ensure that my instructions were followed through. This was not the case. This is an arrangement that was entered into after my last complaint against GreenTree Servicing. My account has since been transferred to Ditech Servicing due to a merger.
I have been an American Express card holder since XXXX, and a Platinum card member since XXXX. American Express pulled a " bait and switch '' in their issuance of a Platinum card to me. An employee/agent of American Express stated to me that upon the condition precedent of having to pay the entire balance of the card every month the quid-pro-quo is that there is no spending limit on the card. My wife of XXXX  years XXXX XXXX in XXXX, XXXX after a long and anguishing XXXXXXXX. I made arrangements with a XXXX XXXX for the XXXX XXXX  and the service. The XXXX XXXX  advised me that they accepted American Express and therefore not to worry about the charge. However, on the day of the XXXX  American Express refused the charge, I was shocked and enraged beyond words. During this time of immobilizing grief I had to suffer the further embarrassment of having to tell the XXXX XXXX  that I was not able to pay on that day. Fortunately the XXXX XXXX  was understanding, and I wired them the money a few days later. I was marketed and induced to pay additional monies for an American Express Platinum Card on the assurance that there would be no spending limit as long as I paid my bill in full each month, which I did for over 40 years.
I have had my Discover Card for 20 years! Never late and always a good customer. Well I have n't used my card in awhile so it had a XXXX balance. I have n't got any notices from Discover Card, no  statements or anything. 
Im in the process of buying a house and my lender pulled my credit and there is a 30 & 6 day late XXXX & XXXX of 2017! It showed currently late for a charge of {$25.00} that I did n't make. I called them and they were very rude to me advising me they sent something to my email but I checked my emails and junk and there is NOTHING! 
I am never late on anything with my credit and if I had received a notice I WOULD HAVE took care of it! I mean they can see on my account that I am not someone who is late. 
They were so rude that I closed my account and just paid for the charge.

Discover Card should have disputed the charge for me and the late payments etc would have been reversed and the account would have been fixed. 
But they refuse to help me. One their site they even have a GOOD WILL CLAUSE! On their commericals they claim how they will help you yet they would prefer to lose a long lasting customer of 20 yrs for a mistake charge. I have contacted them several times to fix my account and reinstate it but nobody will help me. 
Because it was n't my fault and because I never got a notice I would like the late payments removed and my account reinstated - open again.
Navy Federal will not let me use or close my savings account with them. I 've spoken to them in branches and on the telephone. They say it is against policy to close savings accounts.
Original debt was to XXXX. After the debt went into collections, a company named " XXXX '' ( XXXX reference # XXXX ) contacted me to collect. I asked for debt validation, they were unable to do and removed the negative report from my credit report. A few months passed, now another agency " Convergent Outsourcing Inc '' is attempting to collect on the same exact debt which was previously removed. I asked for debt validation and all they sent me was an old bill from XXXX. How can they collect on a debt thats already been removed from another company? Is an old bill sufficient enough to prove debt validation?
I attended XXXX College and had a loan with XXXX XXXX who is now Navient. I have been receiving calls from Navient but also have had written communications with XXXX. XXXX offered me a lower monthly payment which I was paying but I am still receiving calls from Navient saying that my loan is in default. Recently I received a call from XXXX XXXX who works for Navient, she told me that I have to pay a minimum down payment of {$6000.00} in order to catch up and a monthly payment of {$250.00} thereafter. I explained that I am not able to pay that amount and she proceeded to tell me " I ca n't tell you how I know this but I know that your father is able to help you with this down payment ''. I do believe that if she is able to view my father 's credit card availability, THIS IS NOT LEGAL. The same day that she called me she also called my father on his job and told him that she is looking at his credit card availability and so she knows that he is able to make the {$6000.00} payment for me.
I have tried to update a wrong credit report with cbna and was told they were unable to help me and correctly update an account debt that was sold to another creditor and since been finalized and then I tried to contact experian directly to help me and they do not have a way to speak to any one, only automation phone. Very frustrating.
Every month i pay my bill on time. However the last two months i have been receiving constant phone calls as if i am not paying. Each time it some company associated with Key Bank. They are stationed in the XXXX, XXXX, and XXXX was in XXXX. When i start to complain they transfer me to some one at Key Bank. I ask why they are calling me and they just give me some run around with no actual answer. That is however not the worst of it, my father co signed my college loan with me. So they call him as well. They called him 7 times a few days ago. But the bill was paid. I could not understand. I have about 6 missed calls on my home phone from them. at this moment. If i am paying my bill on time, every month why are they calling me like i am a criminal. And it is not a cheap bill either. I pay almost {$500.00} a month to these people.