WillisBack/dataset-financial-user-claim huggingface dataset:
My home mortgage service was transferred to SunTrust Mortgage , Inc. from XXXX XXXX XXXX. The automatic payments were canceled as a result. The same day I received the notice of transfer, I signed up with SunTrust Morgage , Inc. for automatic payments. SunTrust Mortgage , Inc. will not process the automatic payment request, which is making the payment late.
We submitted a short sale offer for review on XXXX/XXXX/2015. The file has XXXX as the investor, and the offer was also submitted to them through XXXX. We were never advised until we called several weeks later that the file was declined by Wells Fargo on XXXX/XXXX/2015. They refused to open the file for short sale review despite XXXX telling us they had not right to negotiate the file. After multiple calls we were able to have file re-opened. All along we advised our concern was the pending sale date of XXXX/XXXX/2015. We are not being advised by Wells Fargo the offer was declined although XXXX never acknowledged they received the file from them or countering our offer to provide an opportunity to get the short sale approved.
PNC Bank re-activated an old line of credit account without a request or permission to do so. The bank changed the old account number, and started to send me " convenience '' checks and monthly statements. This account was opened for {$500000.00} I did not request this line of credit nor do I want an open account in my name. 
I contacted the bank and was advised that I am not the only one who is having this problem, as the bank has been re-activating accounts recently. I was told that I have a zero balance with the bank so I shouldn't worry about anything.
I initially had my student loans with XXXX XXXX  and I have been working in public service for almost 10 years. Since I have almost met the 10 year mark ( 1.5 years away ), I decided to apply for the loan forgiveness program with XXXX XXXX. The loans were transferred over successfully ( 2 months later ) and then I started receiving letters that I will need to change to a qualifying payment plan. I called them twice to figure out what was going on and today I find out that my loans do not qualify for the forgiveness program because I'm not in the right payment plan. If I had known this, I would have never ever transferred my loans over to them. With the forgiveness program, I would end up paying way more than I borrowed originally or would have paid off with my original payment plan. I told the supervisor that what they are doing is considered fraud and they should be more clear in terms of who actually qualifies for forgiveness eligibility. The supervisor at the loan office acted like this was all transparent. Their definition of eligible repayment plan was never clarified for me. When I asked if I was the first person to call in about this, the supervisor said no. She just kept mentioning it was on the sheet I signed which it wasn't. Needless to say, I will be transferring my loans yet again to another service. In short, be very careful before you apply to the loan forgiveness program with XXXX XXXX.
I feel i should be credited the {$25.00} i used to open this account. I am a struggling mother that was trying to get a loan so that i can manage to pay my bills until i am back steady. Now that i gave my information to a fraud lender thinking that i was going to get the loan, being that it was my first time applying for a loan online, I owe TD BANK over {$500.00} and that is money i dont have right now to even pay try to pay back. You can already see i was trying to get a loan to pay other bills. I was contacted by a fraud lender, told me i was approved from XXXX XXXX XXXX for {$10000.00} told him i only needed {$3000.00}, proceeded to tell me to go open a new checking account because my XXXX XXXX account was too overdrawn. So i opened to account with TD BANK and from there everything went down hill i didnt here from this fraud lender after i gave him my online banking info.
fia told me they would write off my balances but continue to send me a bill they treated me like garbage closing my accopunts which should not even be legal and i hope is not before i die one day. i do not understand why i am getting bills from them still when all was told to me would be written off. please explain i truly want nothing to do with them there has been no follow through. i keep getting statements and no answers tired of waiting and getting fees which i will not pay
As I write this, today is XX/XX/XXXXThis has happend one 3 different occasions. 
On XX/XX/XXXX I place a sell for XXXX, that coinbase shows as completed on XX/XX/XXXX On XX/XX/XXXX a sell for XXXX shows completed on XX/XX/XXXX On XX/XX/XXXX a sell for XXXX show completed on XX/XX/XXXX None of these have been paid out, Ive attempted to reach coinbase via email and call support and they do not respond to my attempts to reach out.
On XX/XX/18 I contacted Mariner Finance in writing due to the incorrect item that is being reported on my credit report. I formally disputed the item in which they are reporting due to the wrong amount owed, and I do not recall getting a loan with this particular creditor. However, I did not receive a response to my dispute ; nor was my credit file updated to reveal and indicate that I disputed the item that is being reported.
I had a previous modification with Wells Fargo and was making payments on that modification for several years and remained current. The XXXX, the XXXX loan, was problem. I attempted to reach out to them to negotiate a payment plan. I had difficulty working with XXXX, getting a hold of them specifically, and they were unwilling to consider any type of payment plan outside of the entire note. I was n't even asked for my income for consideration for a modification, although, I could have afforded the loan in reasonable monthly payments. 
I prepared to borrow money to pay the entire note XXXX, and I could only get {$50000.00}. The XXXX representative informed both me and the money lender I had retained that they, XXXX XXXX, had a buyer for the note. At this time, the loan had not gone to foreclosure auction yet. 
I had filed for bankruptcy, but XXXX sold my XXXX loan at auction XX/XX/XXXX. Since I was in bankruptcy, the bankruptcy judge informed my lawyer that my lawyer had to get my property back. A 3rd party who purchased this note is currently being indicted for auction rigging. 
Recently, XXXX XXXX, my father, who is also on the loan, received a call that our Wells Fargo loan was all paid up. We confirmed this with XXXX XXXX 's office that another bank loan paid off the XXXX, effectively removing me from having anything to do with the property. 
I have now lost my home and my equity since Wells Fargo, despite several attempts to contact them, will not explain to me what happened.
Continues to call for the wrong person at my number. I do not know the person they are calling for.
I have been attempting to reach a resolution of this mortgage for several years. In XX/XX/XXXX, I was approved for a trial modification, which began on XX/XX/XXXX. I made monthly payments pursuant to the trial modification in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, as well as XX/XX/XXXX. I was able to make these payments without any financial hardship. I would continue to be able to make these payments if the lender were to allow me to do so. 

In XXXX XXXX, I received a letter from M & T Bank ( the servicer for my loan ) dated XX/XX/XXXX. This letter advised me that my request for mortgage assistance had been removed due to liens or judgments that [ I allegedly ] did not satisfy. After speaking with M & T Bank, I learned that this action was being taken because they had not yet received the quitclaim deed from my ex-wife for the property. The difficulty in getting this to the bank was not due to my own neglect. Nevertheless, after learning of this action being taken, the lawyer who represented me in my divorce was able to expedite the execution of the quitclaim deed, which was promptly sent to M & T Bank. 

By the time the quitclaim deed and divorce decree were sent to M & T Bank, they required me to resubmit a loan modification application. I complied with this request. On XX/XX/XXXX, I learned that I was now being denied for a loan modification. I called M & T to inquire as to why. They explained that they analyzed my application based on my XX/XX/XXXX income. The fact is that in XX/XX/XXXX, I worked fewer hours, and the monthly income is not a fair representation of my usual earnings. M & T Bank was aware of my yearly earnings, yet based their analysis on a limited snapshot that did not properly reflect my earnings, and thus my ability to pay this loan. 

I think it is entirely unfair that M & T Bank offered me a trial loan modification, which I successfully paid without difficulty ; withdrew my request for assistance due to a missing document, which was missing through no fault of my own and which was promptly provided to them ; analyzed my additional request for mortgage assistance based on a time period that was not properly reflective of true earnings ; and then denied my request on the basis of this limited time period.
The Equifax data breach that happened last month, I am being impacted as part of that & I want to report it. 
I have followed the steps suggested on their website to check whether I & my family members are affected & we are. 
I also enrolled for the protection services they have recommended. 
But the credit freeze service which they are providing are having high charges, I believe these should be made available for free, that is the main concern.
I saw this company on my credit report Commonwealth financial they have two accounts with the same amount of debt in my report they are saying it's my debt but I was not at any hospital 2012 they keep doubling my credit reports never got any information from them regarding any debt owed
I made a payment through my credit card company XXXX via balance transfer on or before XX/XX/2017 in the amount of {$500.00}. My auto loan company SANTANDER CONSUMER USA, has failed to post the payment. I have contacted them several times to request that the payment be processed as I have an electronic statement from XXXX that the transfer was successful. Its XX/XX/2017 and no payment is posted. SANATANDER states that it takes 3-5 business days to post payments. Still no payment 5 business days later.
XX/2015 , {$400.00}, The following agency is not bonded in Tx and can not legally collect debt. Please remove from my credit report and confirm that the debt is not owed.
I was told by phone and in my loan modification one payment and it has now change. My escrow account seems rig. I did n't sign or agree to no other payment. Ocwen is still ripping homeowners off and lying about their agreements. Every time I call each rep gives me a different answer than the other..And they just say I 'm sorry ''. And I say sorry does n't help me. They need professional people that know what they 're talking about and not hang up on their customer. Yes an Ocwen rep hung up on me on XXXX XXXX at approximately XXXX. It appears he got frustrated because he could n't answer my questions. I called back, and all the next rep has to say is " sorry ''. I 'm XXXX off with Ocwen and they need to be legally check again for their mishaps..They are wrong, AGAIN!
I have written dispute letters to XXXX, Experian and XXXX in regards to derogatory and negative closed accounts that are on my credit report. 

All letters were notarized and sent via certified mail starting in XX/XX/2018 and 30 days after each letter was received by the credit reporting companies in XX/XX/2018 and XX/XX/2018. 

The credit reporting agencies are saying they have verified the items but are not able to provide me with original documentations ( consumer contract with my signature ) showing that these accounts were indeed open by me. Nor are they responding to my request to state who verified these items and the method used for verification as required under Section 611 ( a ) ( 7 ) FCRA states that credit reporting companies must have a copy of the original creditors documentation ( a consumer contract with my signature ) on file to verify that this information is mine and is correct as required by Section 611 ( 5 ) ( A ) of the FCRA.
The American Express Blue Cash Everyday Card offering brochure claims " Cash Back '' multiple times ( 5 times ) in its description of the incentives ; however, the " fine print '' states that " cash back '' is provided " in the form of Blue Cash Reward Dollars ( reward dollars ) ''. This is clearly false advertising and misrepresentation of the term " cash back '' employed throughout the descriptive attachments provided by American Express in its Blue Cash Everyday Card application package. American Express should be required to withdraw all related documents to the Blue Cash Everyday card, revise all documentation to eliminate all references to " cash back '' ( since they NEVER intend to provide the customer with cash ) and be subject to a penalty for the false advertising.
XX/XX/2015 I start a Loss Mitigation process with Banco Santander in Puerto Rico. 
This process Get complicated because of a Health condition that happen To me and after that My divorce. 
I keep contacting and providing a complete package For Loss Mitigation throught a representative while I was sick and thereafter contacting The Bank. 
This week a person from The court leave a Foreclousure note with My neighbors violating My privacy rights, and they, My neighbors turned that To me when I Came back Home How is that possible, that I asked For Help and now what THEY did was " spread My confidential information without giving me an opportunity and in violation of The fue process Please I need Inmediate Help
I am unable to log into my Chase Amazon cred account. ( I also could n't apply my promised rewards to my amazon purchase ). I can not logon and see my bill, so I called customer service. They told me I owed {$3900.00}, which I paid on XXXX XXXX. I did n't want to deal with this credit card anymore, so I paid it off. I called back on XXXX/XXXX/17 because I still could not log in and wanted to make sure I did n't owe some small amount that would end up on my credit report or have a positive balance that I was never refunded. I call customer service who told me I overpaid by {$220.00} and they could direct it back during business hours. The service agent transferred me to a manager. I got a customer service manager in " Central FL named XXXX ''. He told me he could n't tell me his last name or employee id #. He still could n't get my online account to work. He told me that they could not direct deposit my money back. This is fraud. I ca n't access my account, they ca n't fix my account, and they wo n't immediately refund the money they fraudulently collected.
I started a lease for a XXXX XXXX on XX/XX/XXXX in a dealership called XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX NJ XXXX. That same day I started the lease with XXXX, I left my XXXX XXXX at the dealership. XXXX XXXX was my salesman, he called XXXX XXXX XXXX to find out the amount I owed for the remainder of the Lease for the XXXX XXXX. The amount was {$3200.00} which shows on the contract. A check was to be sent to us for that amount so we would pay XXXX XXXX XXXX since that amount was being included in the new lease loan with XXXX. We received the check on XX/XX/XXXX, I sent the payment to XXXX XXXX XXXX on XX/XX/XXXX through ACH. When it was time to pick up the plates for the XXXX we got a call from XXXX and he was no longer working at XXXX XXXX XXXX because the location was closed down, he was at XXXX XXXX XXXX, XXXX NJ where I picked up my plates. A few months down the line we received a call from XXXX asking us where was the XXXX XXXX because they did n't have the car. We left the car at XXXX XXXX XXXX and because it was closed down nobody from XXXX knew where all the cars from that dealership where located. Even though I did n't have the car and I did n't know why I was being asked about the car I was nice enough to give all the info of people I dealt with for the new lease, I sent over by fax my contract and paperwork stating that I paid the remaining of the lease. The car was left there. XXXX said they would investigate. A few other months down the line we go a call again and once again I explained everything and sent all the paper work via email. We even had a guy looking around my house to try and find the car, he spoke to my wife and left a notice when I called the guy he said he was looking for the XXXX XXXX. I was very upset, because I never had to go through this, people coming to my house thinking I stole a vehicle when we did a swap ending one lease to start another. This is not the first time I do this and I never had a problem. All I know after 2 years I get a letter from a debtor trying to collect {$12000.00} for a car I do not have. For a car that is sitting somewhere God knows where. A car that by now if XXXX had reported to the police as stolen, the cops would of found it sitting at a lot somewhere. Because most likely the car is in a lot where they keep cars from dealerships. That is the only reasonable explanation for the car not be found yet.
Navient has harassed me and my co-signer over XXXX situations over and over for years and every time I figure out its an issue from their end and call them out on it they stop harassing for a bit. Now most recently they havent even been reaching out to me, the borrower, instead they just reach out to my co-signer without any attempts of reaching out to me, claiming that my account is past due but in reality it is not and when I call and give them payment confirmation numbers they claim that their system takes a long time to update. Yet they have already taken the money out of my account! This is harassment and they tack on unnecessary fees that dont have any explanation. They need to investigated bc they truly have nothing but Horrible intentions towards their borrowers and all they do is lie and try to steal more money! How does it make sense to never contact the borrower yet harass the co-signer? They have all of my contact information! My account is always up to date but bc of their slow system they claim its past due until I give them confirmation numbers. They have also marked my credit report and Ive attempted to dispute it several times
On X/2017 kohls/Capone reported my balance as being thirty days delinquent and it was not. They explained to me when I contacted them that they were going to use what they called a reset to fix and correct the error that they were solly responsible for by their own admitition as being incorrectly reported on all three credit bureau agencies XXXX XXXX and XXXX
CFPB Complaint  XXXX  : transunion indicated the credit cards identified as identity theft in those complaint were removed from my credit report. Current copies of my credit report still show the fraudulent credit cards on my report. Additional complaints and investigation requests do not result in any changes or complete investigations. I request a complete copy of all investigations completed and reasons for not removing the fraudulent accounts from my credit report.
TCF bank has used an unending practice of hitting my checking account with multiple fees. It has been going on for months. Last fall, I went to the bank and asked for assistance with my account and how to solve the problem with all of the OD fees.

OD protection was not an option they would entertain. A personal loan for a bridge was not approved or even encouraged. Instead, the representative pushed me to apply for a credit card. I didn't do the application. It seemed odd that he kept pushing for a credit card and didn't jump on the opportunity to really assist a customer with budgeting and/or problem solving. 

Over the past several months, nearly all of each paycheck has been eaten up with, fees. Leaving very little for basic necessities and bills. It has pushed my issues with XXXX, XXXX and XXXX to be a debilitating aspect of my life.
I 've repeatedly told XXXX XXXX XXXX, XXXX XXXX, XXXX, and now XXXX, that the delinquent student loan document # XXXX is not mine. I did not fill out the loan documents nor did I sign them. This student loan is for XXXX XXXX. I did not attend XXXX. I 've reported to all XXXX credit bureaus that this is not a valid loan and shown proof of signature verified by an XXXX Notary here in XXXX XXXX. Someone created this loan in my name and XXXX will not wish to recognize my argument. I 've repeatedly have been denied credit for home refinancing and purchase because of these false derogatories. IT ISNT RIGHT THAT I SHOULD SUFFER BECAUSE OF XXXX CARELESSNESS IN LOAN PROCESSING! Frustrated, I have on retainer XXXX XXXX Attorney of XXXX XXXX number XXXX. Feel free to contact me at XXXX
My complaint is with Bank of America XXXX XXXX affected me from XX/XX/XXXX-XX/XX/XXXX. I pay a vehicle loan by monthly and a payment would be due in the middle of the XX/XX/XXXX. The storm wiped out all communications. The financial institution was not open. 
I have been unduly charged a daily finance fee for not making a payment on time. This institution is collecting funds that are not due them under the conditions florida & I were dealing with.
I was contacted by XXXX XXXX Collections Manager TaxServ Capital Services , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX XXXX : ( XXXX ) XXXX x XXXX # Toll Free : ( XXXX ) XXXX Fax : ( XXXX ) XXXX E-mail : XXXXXXXXXXXX regarding auto taxes owed to the city of XXXX in XXXX. I never received an initial bill and the first information I received was in XXXX XXXX. 

XXXX XXXX provided only a statement and the only information it contained was the amount owed, interest and fees. There was no information about the billing period or a copy of the original bill. 

I requested that a copy of the original bill be provided so I could verify its accuracy and that of the collection agency. Since my vehicle was not plated for the entire year in CT, I wanted to verify the charges. Despite repeated requests, no original bill was provided. 

XXXX XXXX asked for information ( receipt of plate return, new lease, new registration etc ) that I promptly provided then followed up to make sure it was received and was complete. For the next 4 months I contacted the XXXX XXXX to determine the status of my bill. 

On XXXX XXXX, XXXX a statement was provided with revised balance, interest and collection fee. No explanation of the change in charges was provided. Again, I have no means to verify the accuracy of the charges or revised charges. Once again I asked for an explanation and further information and XXXX XXXX refused to provide this information. 

During the 4 month period when my charges were being reviewed I was charged interest on the balance owed. The time for review is excessive and the interest charges are high ( 18 % ) per annum compared to the prime rate of less than 1 %. 

The high interest charges, long delay in revising my bill and failure to provide accurate and complete information so I can understand and verify my bill are a problem. There has already been XXXX mistake in my billing and I feel it is my right to be able to verify the accuracy of any charges and fees. With the information provided this is not possible.