WillisBack/dataset-financial-user-claim huggingface dataset:
Explanation of complaint : I tried to modify this loan XX/XX/XXXX through the National Mortgage Settlement XX/XX/XXXX. It was a XXXX mortgage. I was newly divorced and just coming off XXXX treatments and really needed the modification to keep paying on the loan. After much due diligence they told me I did n't qualify. They said I didnt make enough money. I tried again after calling the National Mortgage XXXX people and they said I should qualify. But was told once again by Citimortgage that I did NOT qualify. So at this time I could no longer keep up with the payments and just stopped paying temporarily .... just for a breather. ANd really was struggling financially. At this time I was upside down with the XXXX. and the XXXX. 
Sometime XX/XX/XXXX I called the automated service and it said the account was PAID IN FULL on XXXX XXXX XXXX. I thought maybe the loan had been forgiven since I had NOT heard anything from them and had NOT recieved any mail from them. Also I knew that they were at this time forgiving loans so thought maybe I was one of them. Later in the year I called and spoke to someone who said it is possible the loan was forgiven and I should keep my eyes open for a forgiveness letter. I know they record these conversations so they would have this on their transcripts Im sure. I then started getting emails saying they had tried to send me something thru the US Postal service but was being returned to them. I called about this and the girl I spoke with said the account was closed so this was probably just an automatic email and just disregard it. Again ... ... this would be recorded. So it is now XX/XX/XXXX and was hoping to get a Harp refinance on my XXXX. and find out the Citibank has a lein on my home. It has been three years and I have not heard a word from them and I have been accruing penalties and interest this whole time. 
My fear is that they will forclose on my home. My business has suffered from the economy and I cant work as hard as I once did due to not having the stamina from having XXXX. I would like to know why their system says the loan was PAID IN FULL and why I didnt hear from anybody for over 3 years. It just doesnt seem fair. Because I thought this loan was forgivin and I never heard from anyone for over 3 yrs. I dont think its fair that I should now be in a collection dept. and afraid the may foreclose on my house. 
I dont want to lose my house. 
Thank you, XXXX XXXX
Every call with the collector has been rude and abrupt. I have made an attempt to make a partial payment online which I was later told would not go through. i was told that I could not qualify for settlement because the balance was less than {$500.00}. I was told I could make payment in full for deletion because I was calling a day later than when the deletion was offered. I was also told the only payment that could be taken today was for the full amount not for the partial amount. I am certain there are XXXX complaints about this same agency. They make no effort to communicate appropriately or to actually get the debt paid. I would think that paying something is better than not being allowed to pay anything.
On XXXX XXXX, XXXX I filed a price protection claim with my Chase Freedom XXXX credit card for a purchase I had made. The amount of the price protection refund was to be {$120.00}. 

The initial process of filing the claim through the official site was not smooth. Across multiple computers, and multiple days, I could not get the site to properly function. I eventually had to reach out to Chase to have them email me the form so that I can manually email it back. I believe these defects in the site to be intentional, as a way to frustrate people into not filing claims. 

Several weeks later, I log into the online tracking site ( XXXX ) and see that the claim is pending with a final decision to be made within 5 business days. 

Several more weeks later, on XXXX XXXX, I follow up with the credit card company and I am informed that the complaint should be handled by the end of the week, and I should see a decision on my claim. 

Again, several more weeks pass, and still no movement on the claim being resolved. 

I call Chase again on XXXX XXXX, and they had still not processed the claim, or made any movement whatsoever. The status was still the same as when I had called previously on XXXX XXXX. 

My worry is that per my guide to benefits, the claims must be filed within 21 days of the date of the sale advertisement for the claim to take effect. My claim was filed well within that timeline, but due to the long turnaround time, I worry that if Chase denies the claim due to some sort of a paperwork error, I will not be able to refile the claim as I am outside that window. 

In addition, per the benefits guide, a claim file is only open for 60 days from the date of the claim. Due to the long turn time from Chase, there are only approximately 5 days left before the claim file is closed. 

In addition, as a member of the XXXX XXXX XXXX on XXXX XXXX, I am about to conduct a XXXX move to a different duty station within the next 30 days. I am worried that because this process has taken an extended amount of time, any refund check that Chase will send to me will get lost in the mail forwarding due to my change of address.
I was a student at XXXX college and paid {$5700.00} for first quarter and second quarter I took out a loan in the amount of $ XXXX.XXXX College closed their doors without notice to students. XXXX attempted to do a teach out but was denied by state XXXX XXXX. Students have lost credits which are not transferable to other colleges and we will not get our money back on previous amounts paid to that school. Never once was I informed I had a balance while attending school. They closed their doors, no one can be reached to answer questions, and they send students to collections without explanations to why balances are owed. When I contacted Key 2 recovery on the collection balance I was told by XXXX it was in my best interest to pay or it would be reported to the credit bureau. I am seeking help to resolve this issue. XXXX never notified me I had a balance thru email, mail or as a student. I think it is unfair as to the way everything with the closure has been handled and at the end we lost credits, money and now threats from a collection agency.
XX/XX/XXXX I wrote Selene Finance on the following : Loan # XXXX I closed on this modification XX/XX/XXXX and on my monthly statement one year later, XX/XX/XXXX they billed me {$210.00} for lawyer fees on this modification. My husband made the payment and did not notice this charge. Selene refused my request on phone for refund of this amount. I told them you can't come back one year later and say opps ... my lawyers are charging a fee. Not reasonable. I closed in my name and Selene did not change their records UNTIL XX/XX/XXXX Statement due XX/XX/XXXX. All this time I made the payments to XXXX XXXX name on statements. These people just can't get this modification right. I have to complain all the time. 
My escrow account is all messed up also. Yearly total incorrect. XX/XX/XXXX statement shows {$710.00} with XX/XX/XXXX taxes paid on your behalf segment as {$210.00} - this is contradiction that it was an attorney fee which I paid because they added it to my monthly mortgage statement as due amount in XX/XX/XXXX in amount of {$1100.00} which my husband paid in error. My regular payment is {$900.00}. I sent them a complete breakdown of my escrow account and showed how they were incorrect. They send double monthly statements. 
At modification my payment was suppose to be {$890.00} but due to a escrow shortage it was XXXX. A difference of {$17.00} which they said was going to a shortage. Yet my starting escrow on XX/XX/XXXX was XXXX. Can't get an explanation as to why payment is up and where does the XXXX go. I have all the papers I sent to them. I can fax to you if you want to see the correct figures. They never explain the difference and why they can't get it right. I have to keep calling. 
Breakdown : XX/XX/XXXX Bal XXXX Due XX/XX/XXXX Then Due XXXX Bal XXXX Due XX/XX/XXXX Bal XXXX Then they increased escrow {$290.00} per month up til due XX/XX/XXXX. So XXXX x 12 = {$3500.00} plus the 2 x XXXX = XXXX comes to grand total of {$4000.00}. ; XXXX You take that amount and pay off taxes XXXX and insurance XXXX = {$870.00} balance in escrow. They show {$130.00} on my statement due XX/XX/XXXX Where is my {$730.00} -- -- difference they show and I actually paid???? You won't get a clear response from them. This is not an A RATED mortgage co.
US Collections West located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX has placed an account for collection that has been paid, settled, and resolved through litigation with the original creditor. 
Upon my surprise after checking my XXXX credit report ( XXXX ) I found an entry for US Collections West ( see attached updated report with US Collection entry ). 
I immediately contacted US Collections West at XXXX and told the assigned customer service representative that " I did not owe this debt. This " debt '' has been resolved through the XXXX County XXXX XXXX Justice Court case No. XXXX. The debt was paid and upon the Plaintiff 's motion and for good cause shown it was vacated as the " plaintiff ( original creditor : XXXX XXXX XXXX XXXX XXXX ) and defendant have fully resolved this debt. '' I disputed the collection account via telephonic communication with US Collections west ( see attached phone records ) on XXXX/XXXX/2016 at XXXX. I was instructed that the account would be placed under dispute and I would receive validation of the debt. I was also instructed to fax a copy of the vacated claim which I faxed on XXXX/XXXX/2016. 
As of XXXX/XXXX/2016, I have not received validation, follow-up, nor deletion of the tradeline on my credit report. US Collections West has not notified the Credit Reporting Agency in a timely manner that the account is in dispute. 
As of XXXX/XXXX/2016 US Collections West has not provided validation of the alleged debt, yet continues to report to the Credit Reporting agency the following : 1. ) a debt exist 2. ) reporting a debt with monthly terms and a past due amount 3. ) Re-aging the alleged debt using an alternative date of first default 4. ) Failing to report the trade line is in dispute The following violations have occurred and more may have occurred : Violation of 15 USC 1692e ( 2 ) ( A ) by falsely characterizing the account as an installment with a monthly payment term. 
Violation of FCRA 623 ( a ) ( 5 ) by reporting an alternate DOFD to Credit Reporting agencies Violation of FDCPA Section 809 { 15 USC 1692g } by failing to validate the alleged debt after receiving written ( fax ) and verbal confirmation of dispute on XXXX/XXXX/2016.
There was nothing to explain further. I have been sending letters to Experian for months now and I have repeated myself over and over again. The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED FROM MY CREDIT REPORT XXXX XXXX ( this account is being reported multiple times! ), XXXX XXXX XXXX   XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX   XXXX ( reported duplicate on my credit report ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX -  XXXX XXXX ) XXXX, Chapter XXXX Bankruptcy XXXX-XXXX-XX/XX/XXXX
It has been more than half year since American Express Blue Bird has unlawfully held my funds. I have made number of attempts and provided documents necessary in order for them to resolve my concern. 
At some point, due to fraud related concerns XXXX XXXX XXXX froze my account, then closed and reopened new XXXX to make sure that I am safe while banking. This issue caused BlueBird American Express account to be frozen or/and hold placed onto it. I went ahead and forwarded American express the letter sent by XXXX XXXX XXXX which states the reasons. American express, did nothing, but treated me in a very unethical manners. Racist operators and unprofessional supervisors refused to assist me and made terrible discriminative comments over the phone.
I purchased a home through a local bank in XX/XX/XXXX at which time I was told to file for homestead exemption in XX/XX/XXXX. The mortgage was subsequently sold to Freedom Mortgage. I filed and subsequently received homestead exemption from the local taxing authority and was directed to inform my mortgage company ( Freedom Mortgage ) of the new estimated tax bill in order to have an escrow re-analysis performed to update ( and lower ) my monthly mortgage payment which includes insurance and taxes. I sent Freedom Mortgage the letter from the taxing authority informing them of the approval and new estimated taxes on XX/XX/XXXX. I was told at that time that the escrow re-analysis would take place within 30 days. I called Freedom Mortgage multiple times in the month of XX/XX/XXXX to receive updates on the escrow re-analysis process and was told it was in the works and that it would be resolved byXX/XX/XXXX and that my new payment would be reflected on my XX/XX/XXXX mortgage statement. I called on XX/XX/XXXX to get an update on the process after having reviewed my XX/XX/XXXX billing statement and noticing no change. I was promptly told that I would have to wait a full 12 months until XXXX for the escrow re-analysis to take place when the XXXX tax bills are generated meanwhile paying double into my escrow account at the non-homestead exemption tax rate. I expressed my displeasure to the representative at the disservice and the fact that I had followed all steps required by Freedom Mortgage in the XX/XX/XXXX phone call. By not re-analyzing my escrow amount, I am paying into escrow nearly double the amount of taxes I will be charged. This money could be used elsewhere or invested. Instead, it is tied up in escrow and will be refunded to me in XXXX due to an overage.
I informed ( via phone ) Stearns Lending Co. that they had incorrectly recorded my mortgage insurance premiums on my XXXX on XXXX/XXXX/2016. I was told to send an email to XXXXXXXXXXXX. I did so on XXXX/XXXX/2016 and received an acknowledgment that my email was received and that my issue was being managed. As of XXXX/XXXX/2016, the form still was not corrected, so I emailed again. As of XXXX/XXXX/2016, the form was still not corrected, so I called and the agent told me a supervisor would call me in 48 hours. I emailed again that day, as well. I never heard from a supervisor at Stearns. As of XXXX/XXXX/2016, I sent multiple emails and called. I was transferred to a supervisor 's voicemail who never returned my phone call. As of today XXXX/XXXX/2016, the form is still not corrected. I have emailed yesterday and today. I do n't know what to do at this point since no one from Stearns will correct the form, even though the representatives that I have spoken to on the phone have acknowledged that the form is wrong per their records ( but it 's another department that corrects XXXX forms ).
my Property was going to foreclosure on XX/XX/XXXX, I tried doing re adjustment but they said i can't do that, they gave me 2 months to do short sales or readjustment then I sent all the paper work they needed to do short sales, than they get back to me on XX/XX/XXXX and said all the paperwork i sent was out dated its been 2 months i have to send all the paper work again, witch i am willing to do but I travel for work so its hard for me to send 2 years on taxes ( 90 pages ) bank statement s ( 50 pages ) paychecks all this via fax, and they still can't guaranty its not going to foreclosure and foreclosure on XXXX the XXXX, they wait 2 days before the foreclosure to tell me all my paper work was out dated, this is just crazy, they are not willing to do readjustment they wont let me do short sales i am trying to avoid foreclosure, please help.
I 've spoken with   XXXX   by phone and also sent them a certified letter about removing my hard inquiries because some of my inquiries were removed and then reinserted later. Others I 've explained that the inquiries were not authorized by me but they still remained as well. I would like all of these to be removed.     Credit Inquiries  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  DE  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   DE   XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  DE  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   FL   XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  FL  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  PA  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   VA   XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  DE  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  DE  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  UT  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  UT  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  UT  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  VA  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  VA  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  VA  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX
Billing dispute confirmation number : XXXX, amount {$12.00}, XXXX, filed XX/XX/18, per e-mail from Capital One, a temporary account credit in the above amount will post within ten days. Ten days has now passed and temporary credit has not posted.
I transferred a balance to my  capital one credit ca rd in   XXXX   XXXX    . I went to look up the information on the end date to avoid paying interest and this information was not available online. It was also not available on my statement. Aft er two chat  sessions and a phone call, I was finally given this information. It is hidden for some reason and it is not acceptable. Capita l one seems  to be deliberately hiding this information or making it difficult to access for consumers. Maybe they are doing it to keep consumers in the dark about their balances and therefore they forget and get charged ridiculous interest rates. This information should be readily available to the account holder.
Starting on the evening of Friday, XX/XX/XXXX through Sunday, XX/XX/XXXX I attempted to go online and call XXXX XXXX to make my mortgage payment for XXXX. The online system did not recognize my account number after multiple attempts. The automated system kept looping around and never went to the point where I could choose the option so I could make my payment over the phone. I attempted to reach someone at XXXX on Saturday XX/XX/XXXX and Sunday, XX/XX/XXXX via phone and sent and email through their website expressing my inability to make my payment online or over the phone. I never received a reply back from XXXX. Finally one Sunday, XX/XX/XXXX I was able to log on to my account online, but the system kept putting my payment date as XX/XX/XXXX which was incorrect. I did not make my payment at that time since the date was incorrect. I called XXXX first thing in the morning on XX/XX/XXXX and explained my delemia to and what occurred over the last few days. They explained that they had been closed over the holiday and took my payment over the phone. I was told that unfortunately I would be reported the credit bureaus for having a late payment and that it was my responsibility to know that they were closed over the previous days. I informed them at that time that I would put in writing what occurred so I could have this removed from my credit report since they were having a problem with their system. I monitor my credit on a monthly basis and the next time my credit report was updated it reflected a late payment on my account with XXXX XXXX, so I put in writing what occurred and sent letters to all credit reporting agencies and to XXXX XXXX. I never received a response back from my email or my letter to XXXX. I did receive a response back form XXXX and Experian, but I didn't get a response back from XXXX  either. Experian did remove the negative reporting from my credit report but Experian did not. I call XXXX to inquire as to why they never responded back to me and they said I needed to send them another letter with a copy of my credit report to them and someone would get back to me. I made a second attempt to contact them to try and resolve the issue over the phone and spoke with XXXX XXXX in the resolution department on Monday XX/XX/XXXX and explained to her what occurred and she said she would speak to her supervisor and explain what occurred and they should remove the negative reporting. She advised me she would call me back within 48 hours. She never called me back so I called her back on XXXX XXXX and left messages, she never returned my calls. On Monday, XX/XX/XXXX I called her back again and she answered the phone and informed me that they were not going to remove the negative reporting from my credit report. During this time I did receive a refund from XXXX  for my late fee in the amount of {$98.00} which I never requested, I only requested for this to be removed from my credit report, I owed them the {$98.00}.
i keep getting phone calls from a debt collector for kay jewelers, today they have called 10 times today and when i do n't answer they keep calling from different numbers. they then call private and if i answer they hang up and i instantly get a call with the number showing. it is beyond harassment when i ca n't focus in class because my phone keeps buzzing every 10 minutes. i also make payments when i can, i explained to them that I am currently not employed but whenever i get money i put something down so i do n't understand the harassment.
I recently reviewed my credit report with XXXX in XX/XX/XXXX and just noticed that the student loan I co-signed for someone back in XXXX is being reported as a joint account on my file. I disputed it as it should show on my report that I am a co-signer not as a joint account. When I checked the investigation results last night, it says it was verified as reported. This is the only student loan that I have on my file, which I co-signed for my niece. 

I contacted Navient earlier today who acquired the loan. The original creditor of the loan is XXXX XXXX XXXX. When I spoke with XXXX from Navient 's Private Loan Dept., at the beginning of the call she identified me as the " co-signer '' for XXXX XXXX, the student and primary borrower on the loan. I again asked XXXX to confirm if their record shows me as a co-signer, and she said yes. After I explained to her the situation regarding my credit bureau dispute, she then indicated that they consider a co-signer the same as joint loan holder. She asked me if I know the difference between the two and when I explained it to her, she agreed but still indicated that Navient considers me as a joint loan holder. I reminded her that at the beginning of the call, she confirmed twice that I am showing on their record as a co-signer. That did not seem to matter. I asked XXXX how I became a joint loan holder when the original loan from XXXX showed me as a co-signer. She could not really explain that to me.