WillisBack/dataset-financial-user-claim huggingface dataset:
Caliber Home Loans mislead me regarding their claims disbursement process regarding property damage loss. This misleading, resulting in me paying for repairs to my home that my homeowner 's insurance company provided funds for, prohibiting me from affording my mortgage payments. Caliber Home Loans has breached their implied covenant of good faith and fair dealing.

After suffering damage to my home, my homeowners insurance company paid {$5200.00} to make the repairs. The claim funds was made payable to myself and Caliber Home Loans. The original contractor I was working with was no longer willing to accept payment according to the Caliber Home Loans disbursement process. As a result of this change in contractor, I informed Caliber Home Loans that I would have to pay these contractors using my personal financial resources. 

After having the 50 % inspection, I received a check in the amount of {$980.00}. 
Previously a Caliber Home Loans Loss Drafts Department employee told me that after having the 50 % inspection, they would release 50 % of the remaining funds, followed by a 75 % and 90 % inspection and the remaining funds would be released similarly. This was n't the case, they claim that they meant that after the 50 %, they would release another 25 % disbursement so I would have received a total of 50 % disbursement. As a result I had to pay general contractors out of pocket without receiving full reimbursement from Caliber because they released an amount lower than expected.

Due to the severity of the property damage, and without the insurance money, I was forced to continue using my own financial resources to repair the property ; preventing me from having the funds to pay my monthly mortgage payment to Caliber Home Loans Despite me submitting letters and receipts showing how much money I had paid out of pocket, and as a result of paying the general contractors out of pocket, I have not been able to make my mortgage payments, and Caliber filed for foreclosure as a result. I have contacted Caliber Home Loans rega
rding this matter on the following dates : 1. XX/XX/XXXX ( phone call ) 2. XX/XX/XXXX ( phone call and letter ) 3. XX/XX/XXXX ( letter ) 4. XX/XX/XXXX ( letter ) 5. XX/XX/XXXX ( letter ) 6. XX/XX/XXXX ( letter ) 7. XX/XX/XXXX ( letter ) There attempt at resolution was to have me file for another loan  modification. Why should I have to do that because they made a mistake in their communication and I stuck to the loan terms by having the repairs made to the property, despite not receiving the loan proceeds that they are holding XXXX.
this company has XXXX accts with different acct numbers and amounts I do n't know nothing about this acct, plz remove, this was open 2006 my credit is not good because of them
Compass bank continues to lie and slander my name and not focus on the events that lead to this complaint. In XX/XX/XXXX, I spoke to Compass Credit Card Department to indicated that I never received the card. I was then told the account was closed because the could n't properly ID me. Per the manger in the credit card department if I can go to a local branch and they can ID me and call in to verify me that they will reopen the account which took place. The XXXX CA Branch can verify that this took place. My focus is on the account # XXXX on XX/XX/XXXX reporting to XXXX XXXX that I attempted an unauthorized transaction. First I want to point out that compass just confirmed in there response that my account was opened which contradicts them saying the transaction was unauthorized. The transaction actually took place on XX/XX/XXXX and I took a convince check from my XXXX XXXX XXXX XXXX into a local branch in XXXX CA. I asked the branch what is the best possible way to handle a balance transfer. The branch told me to write out the check to myself and deposited into my checking account. Being that the check is a credit card product before it could be deposited the branch would need to call over to the credit and authorizations department before it could be deposited because the system is flagging it for approval. After waiting about 5 minutes the teller was on the phone with the department and came back with an approval and said the funds where available in my account for immediate use. With all that said compass is reporting for misuse on this account with XXXX XXXX but they already confirmed the account was opened and the transaction in question was approved in branch via credit and authorizations department. Compass keeps focusing on transactions that has nothing to do with the XX/XX/XXXX reporting. When the transaction was made on XX/XX/XXXX my credit card and checking account was opened. Compass then closed the accounts after the transactions were made which would make it an legitimate transaction not what they are reporting. Please investigate the XX/XX/XXXX transaction and correct my XXXX XXXX reporting.
I had a parent loan through XXXX. I wanted to refinance the loan to lower the interest rate. I applied through Citizens Bank and was offered a 5.25 % interest rate. Then after applying and being accepted the interest rate increased to over 6 %. They were definately bait and switch.
A Texas motor vehicle retail installment sales contract was started on XXXX/XXXX/2017 for leftover XXXX new XXXX XXXX. The amount borrowed is $ XXXXXXXX1.90 % for 72 months with a monthly payment of {$490.00}. My contention is the monthly payment should be {$480.00}. If you do a simple loan calculation you will come up with $ XXXX looks to me that they are using an interest rate of 1.9235 rather then the original rate agreed upon.I contacted the credit co. that is carrying my loan to no satisfaction. Although this is a small amount of XXXX cents per month and {$24.00} over the 72 months, it may prove considerable fraud over thousands of accounts.
I originally scheduled a payment for my rent to come out of my checking account on the wrong day that funds were n't available. I notified Citizens Bank 3 days before automatic withdrawals were due to come out of my account and ask them to stop the transactions. I woke up three days later in my  account was negative {$800.00}. Multiple efforts were made on my part to have them reverse the charges in my account was in good standing I wanted them to close it and I opened up a new checking account. My child support payment of {$300.00} could n't be stopped from being deposited into that account and for some reason Citizens Bank could n't transfer that money because it was in a closed status and credit only status but yet a whole week later they allowed an online loan shark to withdraw over {$100.00} and another transaction for {$25.00} to come out of my account. They ca n't even tell me who the {$25.00} was given to but how they could not give me access to my funds yet have third-party vendors take money out and they 're telling me right now I ca n't do anything about it. This has to be against the law they do n't make my child support available to me to take out or to transfer to my open checking account yet they let to vendors that I do not authorize and I do n't want them to take any more money out of me to take my money and they ca n't reverse the charges now apparently they 've reversed their own mistakes too many times now and they 're Tapped Out. This ca n't be legal.
XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX . Opened Date XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or XXXX in the first place. XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint
XXXX XXXX XXXX XXXX XXXX as sustituted trustee scheduled a private trustee 's sale ( # XXXX  ) together with Select Portfolio Servicing , Inc. without compliance of the applicable laws.

I requested specific documents, and statutes under the applicable laws on XX/XX/2018 ( and also in XX/XX/2018 ).

SPS responded that they'll provide requested documents and statutes within 30 days, which I have not received.
My debt was paid in full in XXXX and account was closed as I XXXX after left for the military. Since then I have been XXXX, XXXX XXXX and various states. Since XXXX I have not received any bill, letter or statement. I am not being called asking for XXXX dollars which I do not owe or ever received any bill. The credit company since had threaten to take away my father vehicle and continue to ask for payments and have failed to assist in sending a any bill. I do not owe any money to this comapny and they are treating of serving me to take me to court is their anything I can do?
At XXXX, XXXX in XXXX AZ in XXXX of XXXX. Time share presentation represented as vacation points. Verbally told to open an XXXX account w/ them ( I already had an XXXX account ) in the amount of XXXX. The amount of a XXXX percent down payment. Verbally told no payment or interest for one year. Membership to start in XXXX, can cancel at anytime. Did not understand that the real estate transaction superseded verbal agreement. 

Received XXXX bill immediately, with interest. Tried disputing XXXX charge, never activated XXXX card. XXXX will not honor any verbal agreement. I am responsible for full amount.
I have contacted TransUnion several times via phone online, and via first class mailings on many occasions in regard to an account that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous accounts that does not belong to me reporting inaccurately. I have disputed and reached out to XXXX   several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity theft report ( XXXX ), I've called Transunion and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following accounts are what is being reported : ( XXXX XXXX ) # XXXX account number. I also want the following unauthorized inquiries from XXXX, XXXX removed. I have even sent copies from XXXX  & XXXX  showing that they deleted items that TransUnion keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect.
XXXX years ago, XXXX XXXX XXXX sent me an invitation to take out a no-income, interest only {$100000.00} home equity line of credit. I had just moved into a new home and I had several projects that needed to be completed so I accepted the offer. I used part of the money on the house projects and the other portion of the {$100000.00} I kept as emergency money. 
As it happened, the economy collapsed due to the mismanagement of the XXXX sector and I lost my job. I was thrown into this terrible job market and I could not find work. I used the rest of the home equity line of credit to pay my bills and to not default on my mortgage. I have gone through XXXX lay-offs in the last XXXX years and I have completely exhausted my home equity line of credit and I have been on a forbearance program. 
I am re-employed again with a strong company and I am trying to get back to good financial health. XXXX XXXX XXXX has been great. They gave me time to find a new job before they foreclosed on my house and they have given me a loan modification for which I am truly grateful! However, XXXX/now Quicken Loans asked me to send in a enormous amount of information, but they have done almost nothing to help me cope with the large increase in payments. Previously, I paid XXXX/Quicken Loans approximately {$240.00} a month in interest. After XXXX years, the loan no longer stays as interest only, but converts to a regular loan so my monthly payments went from {$240.00} to {$640.00} and now that my forbearance period is over, they want me to pay {$970.00} a month. The adjustment happened just when I experienced my XXXX lay-off when XXXX XXXX XXXX Mortgage moved all of our XXXX down to their XXXX, NC site. So at this time I have gone through {$30000.00} of my savings and I have exhausted my home equity line of credit. 
I do want to pay back the loan, but I am not making what I once did so I can only afford approximately {$400.00} to {$450.00} a month payment over the life of the loan and I need to be on a fixed interest rate or I could be in trouble if interest rates skyrocket again. 
I believe my $ XXXX {$640.00} payment is totally unaffordable. I thought there was some consumer protection where your loan could not rise so dramatically from {$240.00} to {$970.00}. 
DESIRED RESOLUTION : I do so need your help in working with XXXX/Quicken Loans to find an affordable way to pay back this loan and keep my payments in the {$400.00} to {$450.00} range. Thank you!!!
THE CHASE BANK CLOSED MY ACCOUNT ONXX/XX/XXXX, AND I ISSUED A CASH CHECK ON MY NAME FOR THE AMOUNT OF MY BALANCE USD XXXX. THIS CHECK WAS SENT TO THE REGISTERED ADDRESS AND WAS LOST ; THE DAYXX/XX/XXXX I DIRECTED TO THE CHASE OFFICE XXXX XXXX XXXX XXXX, XXXX, FL XXXX, EE. UU TO SIGN THE APPLICATION FOR THE STOP PAYMENT OF THE BOX CHECK NUMBER XXXX, I RECEIVED XXXX XXXX XXXX, CARRY OUT THE FIRM MANAGEMENT AND INDICATED THAT IT WOULD BE SOLVED IN 5 WORKING DAYS, WAIT FOR THE INDICATED TIME AND HAD NOT RECEIVED ANSWER, CALL THE DAY XX/XX/XXXX TO THE DEPARTMENT THAT HAD MY CASE, I WAS INDICATED THAT THEY KNOW THAT I WAS IN THE OFFICE OF THE BANK BUT THEY DID NOT RECEIVE THE FORM OF THE STOP PAYMENT, TRY TO COMMUNICATE ME WITH THE XXXX. XXXX XXXX AND I HAD TALKED WITH HER ON XX/XX/XXXX, I REMAIN TO MAKE THE SHIPMENT AGAIN AND RETURN ME THE CALL WHAT I DID NOT DO, I CALLED IT BACK ON DAYXX/XX/XXXX AND I INDICATED THAT I HAD TO WAIT AGAIN 10 DAYS WORK ABILITIES. WAIT UNTIL XX/XX/XXXX DAY AND CALL THE DEPARTMENT THAT HAD MY CASE, THEY INFORMED ME THAT THE DAY XX/XX/XXXX THE CHECK WAS PAID ON AN ACCOUNT ON MY NAME IN THE XXXX XXXX XXXX, WHICH I DO NOT OWN NO ACCOUNT IN SAID BANK. ON XX/XX/XXXX BACK TO CHASE BANK OFFICE XXXX XXXX XXXX XXXX, XXXX, FL XXXX, XXXX I WAS ATTENDED BY XXXX XXXX XXXX XXXX ; TO FORMALIZE A CLAIM FOR THE UNFAIR PAYMENT OF BOX CHECK NUMBER XXXX FOR XXXX XXXX WHICH REQUESTS STOP PAYMENT AND WAS NOT PERFORMED BY CHASE BANK, AFTER 3 MONTHS OF WAITING THE BANK ANSWERS THAT IT IS NOT PROCEED BECAUSE THE XXXX  XXXX XXXX WILL NOT RETURN THE FUNDS. AFTER THIS ANSWER THE CASE WAS TAKEN BY THE MANAGER OF THE OFFICE THE XXXX XXXX, WHO LIKE MY PERSON DOES NOT UNDERSTAND LIKE A BOX CHECK THAT IS REQUESTED A STOP PAYMENT THE DAY XX/XX/XXXX COULD BE PAID ONXX/XX/XXXX, I INDICATE THAT I CARRY THE CASE TO HIS SUPERIORS AND THE ANSWER STILL IS THE SAME : " DO NOT PROCEED BECAUSE THE XXXX XXXX XXXX DOES NOT RETURN THE FUNDS '' I LIVE IN XXXX XXXX AND I CAN NOT TRAVEL SO FREQUENTLY TO THE XXXX. IN THESE MOMENTS MY FAMILY HAS THE MONEY THAT THE CHASE BANK HAS NOT RETURNED TO ME.
On XX/XX/2018, I received an American Express BlueBird prepaid card in the mail. I did not apply or in anyway want this card. They had some of my information with this attempted account. I called customer service and they were less than helpful with their service and the Account Protection people  were worse. I had to repeatedly explain over and over that i did not apply for this card nor would I want a card like this. They said that the account was cancelled or closed but refused to provide me with any confirmation via mail that it was closed and resolved. I talked to a " XXXX '' and his supervisor " XXXX '' from the " account protection '' department. It sure seems really fishy to me. They wanted me to confirm via an email they sent before they would send me an email as well rather than a letter. I refused to click or give anymore information than they had already. I would like them to send me a confirmation letter that this was taken care of. This is ridiculous and if this is any indication of how American Express works I would not want to do any business with them.
Need to move into a XXXX facility. Can no longer afford to pay this morthage. Would like to have what monies I 've paid in marked off as paid in full.
Dear Sir/Madam, My overall experience with Navient Loans has not been a pleasant one. In the past few years Ive experienced several instances where representatives misguided me when applying for REPAY as you earn plan. This caused me to be in forbearance longer than I anticipated or wanted. One particular incident I was in forbearance for a few months as I was informed that it takes a long time to process paperwork. This of course increased my overall loan amount and I incurred erroneous interest rates from being misguided.
When I graduated with my XXXX XXXX my total student loan was {$100000.00} but now 5 years later with paying the loan my total amount has drastically increased to {$140000.00}, which is beyond unethical.
Very recently I experienced a traumatic incident when I was not informed properly ( email, mail, phone call ) about my REPAY plan expiring which in turn Navient charged my bank account {$1600.00} for my monthly payment instead of my normal amount of {$240.00}. This was traumatic as I was traveling across country at the time and this caused my bank to be in overdraft and frozen for over 4 days as I disputed the charge with my bank since I never approved of this transaction.
This charge went through on a Saturday when of course Navient is not open on weekends. I tried calling the company multiple times on Monday morning but was never able to get through to an actual representative even after waiting on the phone for over an hour and half. I even called the number using a different phone to only receive an automated message stating we are unable to take your call at this time please try again later and directing me to their online platform to schedule a call but the earliest day available was Friday of that week.
Im beyond frustrated and looking for answers as to why my loan has increased this dramatically when Im making payments. Im not pleased with the level of customer service from Navient and Im currently exploring different loan options.
Hi, I am writing because I am having trouble with Equifax credit reporting company. Several years ago my Social Security Card was lost in the mail. I put a credit freeze on my account with all XXXX credit reporting agencies. I have since been attempting to remove the freeze on my account. XXXX of the credit agencies have been great. Not so with Equifax. There are requiring me to provide a XXXX digit pin and mail in a letter. I have mailed in a letter XXXX times over the course of XXXX year. I have not received anything. I have dialed every number I can find on their website and can not get a person to assist me. I need to get my credit freeze lifted, but have not been able to accomplish this simple task. 

If you are able, please assist. 
XXXX
I lost my job and was unable to make payments on my loan. I requested forbearance and deferment many times. The lender would say it was approved but would start messaging about repayment right after the forbearance was approved, seeming like it was never done. Now they are pursuing litigation because of non repayment and have added multiple fees and penalties to my account. This company is not my original lender. They are also under current litigation for these practices but are still apparently able to garnish my income tax refund. I was also never notified of any court case or judgement allowing them to do this.
Recently I was applying for a mortgage and discovered I had a {$200.00} collection for a PAID medical bill with XXXX XXXX CLIENT # XXXX, XXXX # XXXX. 

I paid {$200.00}. My insurance paid {$160.00}, therefore, the bill was overpaid. I was refunded {$160.00} AND XXXX put me in for collections with SCA Collections Inc -- XXXX NC. XXXX.
On XXXX/XXXX/2016 I received a call from my tenant at XXXX XXXX XXXX XXXX indicating there was no heat in the home. As it was winter in XXXX and my tenant has XXXX children, I needed to get it addressed ASAP and my husband was out of town on business. I called a few places and was able to get XXXX to come out the next day. 
Communicated with tenant on XXXX/XXXX/2016 he was smelling gas from the water heater exhaust as the hole they cut for the filter was way too big. Tenant was very concerned for his family and their safety. 
I called American Express to dispute the charge and explain the situation. I was told by a representative NOT to contact the vendor, he would take care of that. I asked him a minimum of 2 times and he told me that I did not have to, and American Express would. 
As I understand the communication from XXXX, they have no records of any contact being made to them after installation and have not been given the opportunity to remedy the issue. I did n't contact them under the advisement of American Express. 

Since then I have been disputing these charges with American Express and they can not make the connection that I was acting on the direction of their representative. American Express now wants me to pay for the furnace as XXXX does not want it back and American Express will not take any responsibility. 

I have been a card member with them much of my adult life and am completely frustrated that they will not assist me and " back me up '' as they said they would.
I 've submitted my request for my free annual credit report online, but I was denied it by the  XXXX  agencies. So I 've gotten in contact with them and I have submitted the paperwork they 've asked for and I 've received my free report from  XXXX  and  XXXX . But for some reason I have n't gotten it from TransUnion. I have filled out the form they 've given me at least  two t o three times when they kept requesting for more documentation. The last form I submitted to them, I 've given them the paperwork exactly as they informed me to do. It 's been almost a month now and no credit report yet from TransUion. I would appreciate it if someone could contact them to see why.