WillisBack/dataset-financial-user-claim huggingface dataset:
I am utilizing Pulte Mortgage to purchase a new house in XXXX, NC and I am providing 20 % down for the loan. I am a XXXX employee that works for a company that does not have a dedicated office within the city that I reside. Pulte Mortgage has requested proof of employment and a copy of my pay stub so that my 'income ' can be utilized as part of qualification for the mortgage. Through my company 's HR department, I have provided to Pulte Mortgage a means to verify my employment and income ( which also includes copies of my pay stubs with my North Carolina address ). Pulte Mortgage has stated that since I am a XXXX employee, in a city where there is no dedicated company office, that they also require a letter from my company, on company letter head that indicates that I have been given permission to work XXXX in North Carolina. My HR department has indicated that this does not follow their standard employment and income verification process and as such can not be provided. I have requested from Pulte Mortgage a copy where this letter of XXXX employment would be a requirement for consideration of my 'income ' within the mortgage/loan process. Pulte Mortgage denied this request and indicated they are following XXXX guidelines ( even though this is not a XXXX loan ) and that they are using a Third Party for the loan. I would like documentation from Pulte Mortgage as to why the information that my employer provides to verify employment and income would not meet the Pulte Mortgage loan requirements to utilize my 'income ' as part of the mortgage/loan process. I would also like documentation from Pulte Mortgage as to why a letter on my employers letter head is required to prove I have been given permission to work XXXX, in a city with no dedicated office so that my 'income ' can be considered in the mortgage/loan process. Lastly, I could not find any documentation on line where XXXX specifically requests a letter for XXXX ' employees from their employers stating that they have been given permission to work XXXX in a state where there is no dedicated office. If this is a XXXX requirement, I 'd like to have a copy of this documentation and I 'd also like to understand how Pulte Mortgage can request this if I am not utilizing XXXX for the loan.
This is several years old, but I saw there is action against Navient, so I thought I would share my complaint. I began repayments ( originally to XXXX XXXX and then Navient ) in XXXX after finished XXXX school. My original payment was {$340.00} on approximately {$60000.00} in loans. I always tried to pay extra, as the company was applying the bulk or all of my payment to interest. This ranged from payments of $ XXXX, depending on what I could afford. In XXXX, my payment moved up to {$390.00}. Again, still payments only going to interest for parts of the year. I paid this through XXXX, when I started paying $ XXXX/month ( not my actually payment due, but what I could afford to try to pay off faster ). In XXXX XXXX, I went back to XXXX school. I was working XXXX, so continued my payments ( or intended to ). At this time my " official '' payment was $ XXXX/month, but I had been paying {$500.00}. In XXXX, I received notice that my loans were in deferment. I immediately called the company, informing them I did not request deferment, and was able to continue to pay. I was in school but working XXXX. I spoke with multiple staff and managers, simply asking that my payments be reinstated to the {$400.00} I was paying. They refused, stating that because it went into deferment, my interest had capitalized, and they had to change my payment and repayment schedule. I repeatedly told them I had never requested the deferment and got nowhere. My payment was increased to {$450.00} per month, which I pay today. I did not take on additional loans for my second round of XXXX school. After 17 years of faithfully paying monthly what is now over {$80000.00}, I still owe {$35000.00} on loans that were originally {$60000.00} because of the way payments are applied so heavily to interest. I am XXXX years old with XXXX XXXX. I am the XXXX. If they are able to XXXX me over this way, I 'm sure others are getting it much worse. I will have the loans paid off the year my oldest child goes to college, and will have paid well over XXXX the original principle of the loans.
For the month of XX/XX/2017 I was given a late by 30 days from XXXX XXXX. There website was faulty and would not allow me to login to their portal to make payment before the due date. I would like this late deleted. There website was faulty and would not allow me to login to their portal to make payment before the due date.
I have a card issued by Macy 's department store. I do n't often use the card but when I do, I pay off the balance in full. I had not used the card since XXXX, but I received a bill for XXXX demanding payment of a " fee '' of {$2.00}. I called customer service, and the representative was unable to explain what this was about, then the call was abruptly terminated. I then used Macy 's online communications form ( which, by the bye, will not accept any message that includes any form of punctuation, including periods ). I said I would not pay this fee, and demanded that they close my account. I received an email acknowledgement of my complaint, but nothing since. A {$2.00} fee for not using their card is beyond outrageous. And they will charge me a {$37.00} late fee if I do n't pay up.
On XXXX Navient contacted not only my employer XXXX XXXX, but contacted an individual store regarding collecting my debt. This is highly embarrassing and they were abusive to the store associate they got in contact with. They shared my personal information regarding debt owed with my company.
I consolidated my loans years ago to create a fixed rate loan. I was told by then XXXX ( now Navient ) that my rate would never change, signed paper work stating such, and in fact for the past 8 years it has been fixed at XXXX. Now I see that my interest rate has gone up to XXXX with no before hand explanation warning of the change. Navient is telling me that congress sets the rates ... but my loan is not a variable loan ... it is a fixed rate late that I was told could never change.
I am trying to access my account data via a website for monitoring and Barclay is blocking access.
On Monday  XXXX    XXXX   I received a call from  Resource Management telephone  number  XXXX , the representative asked for a  XXXX   XXXX   XXXX   I  advised her I was not   XXXX    and to stop calling my number. On  XXXX   XXXX ,   XXXX   I received yet another call from the same number mentioned above from, the agent whom called asked for  XXXX   XXXX  I told her the same information, " I am not  XXXX  and stop calling my phone '', she then said verbatim " I am NOT removing your number and we will keep calling you '', I told her that I would contact the police because at this point I felt like I am being harassed, she then said " you are so ignorant, they wont do anything ''. I asked for her name she hung up. I called back and was told the person I was speaking to was  XXXX   XXXX  and her  manager  was  XXXX   XXXX , apparently the both were not available. I asked for the number for the corporate office I was given a  XXXX , this number is the same number that they have called from but its toll free. These calls are continuous and this company obviously does n't want to stop calling. I want to know the steps to file a small claims suit for violating the FDCPA laws.
I sent a request for validation for the {$120.00} they claim I owe them, they received my initial letter on XX/XX/XXXX. They didnt reply in a timely matter. They sent a letter dated XX/XX/XXXX which I received a week after XX/XX/XXXX. The XXXX XXXX stamp on the envelope of the letter I received is dated XX/XX/XXXX and the envelope of the letter is stamped XX/XX/XXXX, both dates XX/XX/XXXX and XX/XX/XXXX are outside of the 30 days they have to respond. Also the didnt furnish the credit bureaus with a notice of dispute on my account. I sent a letter to the CEO XXXX XXXX explaining all of this and told him his company needed to delete it form my credit reports but he choose not too.
My husband and I tried to obtain a loan to consolidate our debt AND also tried to obtain a mortgage loan. However, we were denied for consolidation loan from our credit union accordingly, due to too much debt-to-income ratio. We were also unable to obtain a mortgage loan any higher than {$170000.00} from the XXXX XXXX and no more than {$160000.00} from a XXXX XXXX XXXX loan at an extreme high interest rate because again, too much debt-to-income ratio. We later learned that Wells Fargo Bank made an erroneous credit report to the consumer credit reporting agencies. We had a regular XXXX account with Wells Fargo but they later upgraded our account to a " XXXX XXXX '' and transferred the balance over to the new Signature card and closed out the old regular XXXX account. However, Wells Fargo failed to correctly reflect this change. Instead, they reported both the regular account with the old unpaid balance and the same unpaid balance on the XXXX account to the credit reporting agency. Thus it seems we have XXXX Visa account with equal unpaid balances. This negatively impacted us by lowering our credit rating and higher debt than the actual. When I contacted the Wells Fargo Bank to correct this error, they wrote back stating they saw no erroneous reporting. We contacted Wells Fargo Bank again and spoke with another agent named XXXX XXXX of XXXX of Wells Fargo who correctly identified the error and agreed to update our credit and reflect the closure of the original regular XXXX account. However, my husband and I have already suffered a damage because of their error. We feel the credit reporting agency has failed due diligence as well.
I had a credit card with the worst company, XXXX XXXX. I had trouble making the payments but ended up paying this credit card off. Well this company continues to state on my credit report - charged off as bad debt. Not even stating that it was paid off. I have tried to go through the credit bureaus to no avail. I know I paid this off around XX/XX/2015.
I was contacted by a company calling themselves " High Point Assets '' ( phone # XXXX ) regarding an " outstanding payday loan issued to me in XXXX of 2013 ''. I did not apply for or receive a payday loan at that time. I wouldn simply have ignored the call and considered it a waste of my time except the person had the last XXXX of my XXXX and the name of my bank for " verification purposes ''. This makes me alarmed that they have collected other information about me. This is obviously a scam and I 'm doing my best to report them to all of the relevant agencies for investigation. Please do your diligence.
We had purchased our rental property in XXXX. The loan company at the time or bank recorded the property legal description wrong. We did not find out about this until XX/XX/XXXX when we tried to sell this property in XXXX. We contacted the mortgage company which is now SLS ( specialized Loan Services ) to correct this mistake. This is where the trouble began. They had informed me that it would take them till XX/XX/XXXX to correct this mistake. Over three months for someone to take a look at this. I contacted SLS numerous times, sent an email to there ceo and all I am receiving from them is the run around. They had all the information they needed from the initial contact. 
Now they are telling me I sent paper work to the wrong address, needed to name of the title company before they can proceed. IT is now XX/XX/XXXX and still no answers. 
I lost a sale on this property because they can not get this fixed. Why? 
XXXX
Reason for Contact : To file a complaint against Wells Fargo Home Mortgage. The matter does not concern the mortgage directly, but it involves their policy in change of flood insurance requirements. Due to their lack of notifying their customers in a timely manner it causes the customers additional out of pocket funds. I received the attached letter XXXX XXXX, dated XXXX XXXX, XXXX that the new policy was in effect as of XXXX XXXX, XXXX. The receipt of this letter was about a month after the effective date and 19 days after my flood policy renewal date. Had I received this letter the beginning of XXXX I could have recalculated accordingly and not have over paid for flood insurance. When I contacted Wells Fargo 's customer service, even though they were apologetic, I was told that there is nothing they could do about it. I was also told if I provided XXXX with a copy of this letter that I could be reimbursed for the over payment of flood insurance. My insurance man submitted all the forms to XXXX and was told it can not be done until the next renewal date in XXXX, meanwhile I 'm out the extra money and feel Wells Fargo should be held accountable for their actions. How can they keep treating their customers with such a lack of respect and continue to get away with it? They need to be held accountable!
I opened several accounts with SunTrust Bank. When I returned back to the XXXX after several years to check on the accounts SunTrust Bank representative donot recognize any of the accounts ( one account was an IRA ). 
I have checked such websites XXXX. These accounts were opened in the late XXXX.
Im definitely glad to see this I 've been complaining for years my student loans have jumped tremendously over the years I owe almost XXXX dollars because they always had reasons why I was not eligible for a repayment plan instead they keep putting me on forbearances which you continue to incur high interest on your loans Also school I went to all closed and unable to even get a job in the filledZ it was a waste.. the school was also misleading signing me up with these different type of lisns
My XXXX year old daughter considered attending XXXX university in XXXX Ma last XX/XX/2017, She registered for several classes but decided to return to her former college instead, She never attended any classes and there was not a single class paid for nor a deposit Made Any other college would not honor registration without payment. 
This college is using predatory tactics to extort money from my daughter with out Any class attendance or exchange of services ... 
There were no services rendered ....,!!, My daughter is now receiving collection notices for classes that were never attended In the amount of XXXX. From XXXX XXXX XXXX XXXX  ... out of XXXX pa This is extortion.
Speedy Cash keeps calling me. I have blocked speedy cash but they find a way to my voice mail and leave a message saying " This is a courtesy call from speedy cash ''. 
I have contacted them numerous times and explained that they have the wrong person and phone number. I have never been nor will ever be a customer of speedy cash. they say they will stop calling me then in a month start calling again. I have filed complaints with the do not call list and FCC. this never stops with these XXXX.
I filed a complaint with CFPB in XXXX 2017. PennyMac Mortgage failed to pay my taxes. I called them on XXXX XXXX, 2017 and it took them almost 60 days to pay the bill. This is not the first time they have not paid my taxes. In a response letter from PennyMac they stated they would not charge my the late penalties the township had charged and they said they did not receive any tax bill to pay. 1. My township informed me they did send all tax notices out as normal. 2. On my XXXX statement I was charged for the penalties. I called XXXX XXXX XXXX who signed the letter and she never returned my call. The response letter also said that they would not honor removing the PMI because of the loan value. I know they can make exceptions and would like them to remove the PMI or adjust the account for the PMI to be applied to by principal balance. I can not understand how companies can enforce charges for their protection, but I am unable to enforce any to protect myself. Lastly, The response letter I received had an apology line for my frustration, but it was crossed out in red ink. Another example of unprofessionalism with this company.
Dear, Im XXXX  years young, with XXXX and XXXX XXXX vet, On XX/XX/2018 at XXXX XXXX ( pacific time ),  I made teller deposit {$1500.00} cash and {$100.00} check total of {$1600.00} inside the XXXX grocery store  one of US bank branch located at XXXX  XXXX XXXX, XXXX Ca XXXX, I got official receipt showing my deposit amount, on XX/XX/2018 Iat XXXX logged in but couldnt find my deposited fund, It is very important because I paid few bills that going to appear on Monday, so I called US bank and discussed the issue they couldnt find the deposit either they said we will investigate it this can not happened because they are banks what happened if i dont have the deposit slip but the issue is what if I didnt had it and is cash this is fraudulent action when an deposit or withdraw or any transaction It must appear in the account ( s ) I really believed Usbank participating in fraudulent activities and CFPB must investigate It, Im going to the same branch in few hours but why this is happening, Investigate if there other government agencies that i can file complaints please let me know also. Thanks.
I've received 21 phone calls, just in XXXX from PNC Bank. They never leave a voicemail but their name shows up on caller ID. I've tried twice, once on XX/XX/XXXX and once on XX/XX/XXXX to speak with them regarding the debt I owe. I wanted to arrange a payment plan and discuss my financial hardship, and both times the representatives refused to submit any requests unless I set up an auto withdrawal plan.
XX/XX/XXXX I consolidated all my sons private college loans with Wells Fargo in the amount of {$86000.00}. My son was the primary borrower and I the co signer on all the private loans consolidated. In order for Wells Fargo to approve the consolidation they told me my son could not be on the loan because of his lack of credit history. The loan for all of my sons student loan debt would only be approved if his debt was consolidated in an educational loan in my name only. Now several years later, over the course of approximately 2 years, I have tried to refinance this educational loan. Every time I am turned down because I am the sole borrower of the educational loan. In order to refinance my son must be the owner of the loan in some way because he was the student. I do not have or remember the names of the institutions that I applied to and was denied for that specific reason. Eventually I stopped applying because each application was a credit inquiry. So instead of applying officially I started to call lending institutions and explain the situation, in each event I was told my son needed to be the borrower of the loan in order to refinance. 
As far as i can see there is no way for me to refinance this loan out of Wells Fargo and I am locked into it until the loan is paid. 
I have contacted Wells Fargo in XXXX and again just recently in XX/XX/XXXX to try to refinance at a lower acceptable rate and both times what I was offered was not acceptable. The first time after paying this loan for 5 years on time I was told I needed a cosigner with an interest rate that was out of the question. The second time I actually asked to have my son as the cosigner ( figuring if I could get him on the loan some how that maybe I would be able to refinance with another institution at a later date ) But the interest rate they offered again was not acceptable. ( My credit score is excellent ). 
I also feel I have should have the right to refinance with another lending institution other than Wells Fargo but the way this loan has been structured by them I do not have that option.
I got my mortgage with NationStar now known as Mr.Cooper in XX/XX/XXXX. I initially requested to have all my taxes escrowed so I can pay them on a monthly basis. Everything was going fine until I received a letter from an attorney in XX/XX/XXXX stating that a lien could be placed on the mortgage if I didnt pay my MUD taxes. I then called Mr. Cooper and asked for the reason my MUD taxes werent paid, they advised that a system glitch caused the MUD taxes to be removed. I then requested for them to add it back on. In XX/XX/XXXX, I was informed that all my taxes were removed from escrow due to system glitch. I never requested for them to make any of these changes to my mortgage. This opened a can of worms with my mortgage, I am now late on payments and Im being penalized due to Mr. Cooper incompetence. The tax companies are now making me liable for all the changes made. Mr. Cooper is no longer assisting with my concerns, their escalated agents are not answering my calls or emails. I need help ASAP before I end up losing my home - XXXX XXXX I live in XXXX Texas. Phone number is XXXX
On XX/XX/2018 I noticed that my credit score with XXXX dropped by 76 points over night! I contend that this is not only arbitrary, but also credit discrimination. I also noticed the numerous inaccurate information and account claims on my report which I immediately requested that same be investigated. 
How can my score dropped 76 points overnight when I consistently pay my creditors? 
I contend that this tremendous drop in score is discriminatory, unfair, and bias! 
I am requesting an investigation immediately and a resolution of this grave infraction to my credit welfare and health! 
In addition, I noticed my credit score dropped by 27 points with Equifax. I contend that this is also arbitrary and discriminatory. I am asking that same be investigated as well. 

Sincerely, XXXX XXXX XXXX
A Charged Off account in the amount of {$5.00}, I did not owe them any money and never received any request for {$5.00} payment. 

I did have another account with the same company which was paid off, BUT NEVER HAD 2 ACCOUNTS with MB Finance. I have disputed this {$5.00} Charged Off account several times with Credit Reporting Agencies but MERCEDES-BENZ FINANCE has always refused to remove it and said I owe them {$5.00} on this account. 

Even though this is not my account and I do not owe them {$5.00}, I sent them a money order for {$5.00} and requested them to immediately remove the account but it has not been removed yet. The other account with this company was paid off on XX/XX/2014 ( see attachment )
I have a six year old account that was charged off by XXXX XXXX XXXX and once a year the credit card company reports a current late payment on an account that was closed and charged off over 5 years ago.

This action caused a 35 point drop in my credit score and my inability to get a XXXX  citi card to buy XXXX XXXX. I am also unable to refi my house and the rates have gone up twice costing me many of thousands of dollars over the term of the loan.

This is retaliatory and unfair. It is also very intentional designed to damage my credit.
My name is XXXX XXXX and I am a victim of ID Theft and I need to dispute the last copy of my credit report that your company published, after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below, please send me copies of the documents that you have in YOUR files as of this date, what you used to verify the accuracy of the accounts listed below. Under the FCRA, 15 U.S.C Section 1681g, I have the right to demand that you disclose to me all documents that you have recorded and retained in your file at the time of this request concerning accounts that have been verified? Please send me copies of the documents you have in your files to verify accuracy and please do not respond to my request by saying that these accounts have been verified, # XXXX ..., # XXXX, # XXXX, # XXXX and # XXXX. Please also investigate all inquiries and I am asking for them to be removed and my credit score adjusted. My previous addresses, if you need my previous police report can be faxed upon request. Please under Section 611 ( a ) ( 5 ) ( A ) ( I ) by publishing these inaccurate and unverified items on my credit report and distributing them to third parties you are damaging my reputation and credit worthiness.