WillisBack/dataset-financial-user-claim huggingface dataset:
My mortgage ( residential home ) was transferred to XXXX XXXX XXXX/Shellpoint from XXXX XXXX on XX/XX/XXXX. Since that time, I have received 7 monthly statements ... .all with the incorrect payment information ... all different. ( XXXX {$1600.00}, XXXX {$1700.00}, XXXX.- {$1800.00}, XXXX {$1700.00}, XXXX {$1700.00}, XXXX {$3400.00} ). I have been assessed late fees several times, although my account has not been late. I have managed to get all of the fees removed ( after many calls and frustration ). However, this past month, my check was not posted until XX/XX/XXXX ... .despite being mailed several weeks before. I believe this company has now found a way to get their late fee, forcing me to mail my money through tracking at the post office. In addition, the company mails their statements to me at the very end or even the beginning of the month, making it impossible to send it by the XXXX. The very first statement was mailed on XX/XX/XXXX - requesting payment for XX/XX/XXXX. I had already mailed the money to XXXX XXXX ( as they had mailed me a statement ) ... AND XXXX XXXX had already been forwarded the money. Yet they sent me a certified letter claiming overdue account and harassed me with phone calls day and night ( through a non-identifiable phone number ). 
According to XXXX XXXX 's assessment, I was to pay an escrow payment of {$1100.00}. I paid that money to XXXX XXXX and it was not applied to my account - despite my attaching a letter AND a copy of the escrow analysis WITH a separate check. For months, the money went " unapplied '' and I received late fees and requests for higher amounts of money for my monthly mortgage. I spoke with them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX XXXX ), XX/XX/XXXX ( XXXX XXXX XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX XXXX ), XX/XX/XXXX ( XXXX XXXX and XXXX XXXX ) ... .these were just a few of the calls. 
Several times I was told the fees " should have been removed, I'm not sure where it came from to be honest with you because your payment did come in on time ). 
The best I can figure is that some of the confusion was due to XXXX XXXX not applying ( or incorrectly applying ) the additional escrow money. However, the amount of issues and requests for more money, additional fees, and even this " late '' fee of recent, has me believing that this company is engaging in fraudulent activities. I am concerned about retaliation by this company ... .since my recent complaint on XX/XX/XXXX caused the most recent " late fee '' to be removed ... ..and sparked the new one by posting my check on the XXXX of the month. If the company will go to those lengths to extract additional money from consumers, what else can they do? 
I am in the process of seeking a reputable mortgage company for transfer. Do I have any recourse? In light of these issues and the fact that this was a transfer loan, are there any protections available that would allow me to move my mortgage without substantial fees? I have read reviews from other customers with similar complaints. Is this company under review?
My complaint is regarding a Southwest Air Rapid Rewards XXXX card ( Chase Bank ). If a cardholder earns XXXX points in a given year Southwest PROMISES that they will earn " COMPANION PASS '' status. 
In early XX/XX/XXXX I received an email notice from Southwest that we were just XXXX points short of reaching the XXXX mark. At that time, I called Southwest Customer Service ( XXXX ) to ask specifically how I could earn the remaining XXXX points. The XX/XX/XXXX statement had already been sent to us. Customer Service provided several suggested pathways, XXXX of them being to utilize the services of XXXX of their " XXXX '' which are listed on their website. On the site there was an offer from a partner to purchase XXXX bottles of wine for {$69.00} + tax and receive an extra XXXX bonus miles. I SPECIFICALLY asked the customer service rep ( XXXX ) if that would suffice and she said " yes ''. She also mentioned ordering flowers from a partner but the wine is what we preferred. She ASSURED me that once the purchase was posted in XX/XX/XXXX it would be added to my XX/XX/XXXX total since it was " delivered '' in XX/XX/XXXX. It was added but only the purchase price and not the XXXX bonus miles. I called Customer service and they said the " terms '' state that bonus miles do not apply to the XXXX program. I told them that in XX/XX/XXXX their service rep ( XXXX ) told me it would. They countered that she had made no mention of it in our account notes. Obviously, I had no control over the account notes. We debated the issue but the agent ( XXXX ) would not concede. I asked to speak to a higher level " XXXX '' and was referred to a person named XXXX. XXXX was just as difficult. 
EXTREMELY FRUSTRATED, I again checked the list of " PARTNERS '' to see if we had purchased anything from XXXX of the others on the list. In fact, we had. On XX/XX/XXXX we had our store XX/XX/XXXX party catered by XXXX In late XX/XX/XXXX, we were billed and paid for the catering in early XXXX with the XXXX XXXX card in question. The bill was {$50.00}. We paid with the XXXX XXXX ending in XXXX I relayed this information both on the phone and in detailed emails sent to the Southwest Customer service agents ( as requested by them ) WITH THE CATERING INVOICE and store managers name/phone number to several Southwest Rewards Customer Service Agents ( XXXX, XXXX, XXXX, XXXX ) ALL who said they would review the catering invoice and payment and " CALL ME BACK ''. No one ever called me back. 
On XX/XX/XXXX I received what appears to be a final determination from a XXXX stating " We contacted XXXX Flowers on your behalf, and they are unable to honor your request for points at this time ... The file reference number for your email is XXXX. '' This is incredible and frustrating. I never claimed to have purchased from XXXX and had sent in such detailed documentation of the XXXX purchase. There should be not doubt or confusion. 
The only conclusion I can make is that they are being deceptive and are planning to cheat us out of earning the XXXX status that they strongly promoted. 
Any assistance that you can provide is greatly appreciated. 
Thank you.
Our mortgage was sold to Ditech about a year ago and we 've had nothing but problems. I logged on to check my principal balance on XXXX/XXXX/16 and saw my current amount due was {$7700.00} XXXX our monthly payments are {$1900.00}!! We pay bi-weekly and not only are we AHEAD on payments, the money is automatically deducted out of our checking account. We have NEVER missed a payment and NEVER been late. 
I called customer service on XXXX and spoke with XXXX ( ext. XXXX ) who told me it was a software glitch and would be corrected in 24 hrs. Two days later on XXXX when it still showed delinquent I called back XXXX XXXX ext. XXXX ) and was told it was due to a software upgrade a few months prior and it would be corrected by the end of the month. At this point I 'm XXXX, but there 's nothing I can do. I am reassured there is no problem with my mortgage and I wo n't be reported as delinquent. 
Three days after that ( XXXX ) someone COMES TO MY HOUSE to deliver me a delinquent notice on my mortgage. My husband and I are LIVID at this point. And mortified. 
After researching my principal balance, I show where the balance goes down as expected, and then shoots up {$3000.00} a few months later. 
I again call and speak to a representative who said the payments we made that were n't applied to my account ( but were held as " un applied funds '' ) were later applied incorrectly and my increased balance was due the re-allocation of the funds. How is that allowed?? 
I called to request an audit on my account and I was told all I can get is a print out of my payment history. I do n't know how they can XXXX around with our mortgage like that without any accountability, even embarrassing us by sending someone to our home!
In my previous dispute with XXXX ( XXXX XXXX XXXX credit card account ). I have previously disputed the reporting of this account with XXXX XXXX XXXX and they proclaimed that the entry was reporting accurately on my credit reports. That is wholly untrue. In my previous dispute with them in XXXX, I informed them that they has not updated my credit report payment history since XX/XX/2018 with XXXX, XX/XX/2018 with Transunion and XX/XX/2018 with XXXX. 

I recently pulled my credit report and the only bureau that is current is XXXX  ( see attached ). XXXX XXXX XXXX has not updated XXXX  since XX/XX/2018 ( see attached ) and Transunion since XX/XX/2018 ( see attached ). I am again requesting that XXXX Bank ppdate my credit reports accordingly and immediately as I have been delayed well over 60 days. I would also like a copy of the request this company is sending to the bureaus as proof of receipt that they are indeed advising the bureaus to update, but the bureaus are blatantly not reporting.
I am a student who stuck in auto loan with SANTANDER CONSUMER USA 1. i got approved when dealer VWalhambra and SANTANDER make a deal for me. 
2. in program 1st time buyer + New car 3. Dealer does n't asking or give an information about gap 4. Bank approved with 23.76 % interest + NO GAP for new car loan. 
5. 1months and 15days later The car running now and system lock all tire in the same time Airbag from wheel front of me pump up still got luck because my arm protect my face while i turned off the freeway. 
6. I keep pay on time until Bank give me the final total that still owe..around $ XXXX+ 7. I tried to talk with bank that i want them to show how much they got money from insurance and Why i do n't have gap for covered for a new car?? 
8. They keep said that I told them I do n't want but that 's not true. Deal between SANTANDER AND XXXX 9. I confused and I ca n't do anything and Which Company Could help me? 
10. XXXX put {$2000.00} on XXXX but they do n't put on GAP. 
11. i got a new car for 2 months and stuck from XX/XX/2015 till now 12. with Higher interest and Dealer not respond anything like they was n't wrong. 
13 Am I wrong? that I never know about gap or about the processed and insurance from XXXX No agent because i did online nobody give me an advice. 
14. How do i know that i need gap insurance if I do n't have an accident and My car was totaled. Until when i will know??
Last month, my debit card was inexplicably cancelled without any notice to me. I found out it had been cancelled after trying to use the card at a neighborhood restaurant. After 40 minutes on the phone with Chase customer support, I was told by the agent that the debit card had been cancelled because it was a Premier checking card and I no longer had a Premier checking account. This made no sense to me because my account had been converted to regular checking about 3 years ago and I had been issued at least 2 or 3 debit cards in the interim. I was sent a replacment card, which took 4 days to reach me, and then I had to go to a branch to have the PIN reset because the card they sent me was not linked to my old PIN number so I could not use the card until I visited the branch and had the PIN reset. All told, I had no access to my checking account short of visiting a branch for a week. 

Last week, I again had my debit card declined at a local merchant. This time when I called customer service, they told me that it had again been cancelled, once again with no notice to me ( Chase has my email, mobile, and two phone numbers on file ). I had to escalate the call to a supervisor, who told me that he could not find any reason why my debit card had been cancelled. He was able to reinstate my current card. 

Yesterday, again, my card was declined at a local merchant. I am tired of spending 20 and 30 minutes at a pop on the phone with customer service agents who have no idea why this is happening to my account. Today is a bank holiday, so I can not just go to the branch to have this resolved. My biggest compliant is that my card keeps getting cancelled WITHOUT ANY NOTICE. In the past, Chase has sent me text messages  when there is a fraud alert that has frozen access to my card. I have also received automated phone calls when there was a potential problem with my card. How can Chase cancel my DEBIT card with no warning or notice whatsoever? I live in a rural area, the nearest branch is a 10 minute drive away, and I use my debit card every day. This situation is unacceptable, and nobody on the phone at Chase seems to know why it is happening or how to fix it.
Recieved a Loan from XXXX XXXX XXXX date unknown. Last payment made was XX/XX/XXXX for an amount of XXXX $ Total Loan taken was XXXX $ I had told the company I was recently in a car accident and would need time to pay back loan amount. I continued to get calls and voicemails 3 to four a day within a two hour period. I had requested that they stop calling me and I work something out with the caller but the next day the calls will return. On XX/XX/XXXX I received a notice from my HR that they had been contacted about a loan in my name and again on XX/XX/XXXX. I was under the impression that other than employee verification my employer would not be contacted especially not to discuss my loan
XXXX XXXX XXXX XXXX is freely allowing fraudulent credit card applications to be opened under my name ( happened 10 times ) and making hard inquiries to my credit report each time. Reference : XXXX XXXX XXXX credit card as the exact card attempting to be opened. Most recent incident XXXX XXXX, 2017. 

This has created a significant hardship to me personally, as each hard inquiry amounts to a reduction of my total credit score. 

I have taken every available step to protect my identity to avoid this from happening ( frozen credit, fraud protection, pass phrase and PIN protection ), however, XXXX XXXX XXXX XXXX continues to allow the fraudulent credit card applications to happen.
on XXXX I sign up with XXXX XXXX XXXX XXXX XXXX Al XXXX for assistance in help me with the payday loans.They sent nofication letters to payday loan companys, to provide validation of claim in pursuant of Fair Debt Collection A01 15 USC 1692 Section 809, ref the case XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX of XXXX, Mi XXXX was nofity.They did not Validation.Now they are pursing they with a collect agency.
I am a victim of identity theft and noticed a collection from AD ASTRA RECOVERY. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AD ASTRA RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
This is a complaint about the deceptive behavior of a Bank of America loan officer, XXXX XXXX XXXX, NMLS ID # XXXX. 

XXXX XXXX played us for about 50 days by offering refinancing mortgage rates significantly lower than any other competitor. On multiple occasions, I asked XXXX XXXX to lock the rate at the rate he claimed he could lock on, but each time he insisted on waiting for a day or two to get a better rate. Finally, on Friday XX/XX/XXXX, I explicitly asked and insisted on locking the rate at the same day or on next Tuesday morning ( Monday was the XXXX holiday ), at latest. We discussed the possibility of events that could bring the rate slightly down in the following week, but I insisted that I wanted to lock the rate at the moment at my own risk. XXXX XXXX accepted and agreed to lock the rate. He just asked me to write an email to him claiming that I had a better offer from XXXX XXXX. After sending him the email, I followed up through text messages and asked if we were all set with the rate. He replied back confirming that we were all set with the rate and it was locked. 

Several days passed and the application documents on the Bank of America website did not change. I sent several emails to XXXX XXXX and all of them remained unanswered. After calling him 4 times on Tuesday XX/XX/XXXX, he finally returned my calls. In answer to my questions about the rate he delivered two false statement, ( a ) I clearly asked if our rate was locked at 3.125 % interest rate and 0 % point ( for a 30-year 7/1 ARM ) as he had promised, and he repeated and confirmed those numbers, ( b ) I asked if the rate was locked why the official documents on the Bank of America website were not updated. He answered he did not know, but he had heard the same complaint from another applicant, and suggested that probably something was wrong with the system. Both statements were lies purposefully delivered to cover up the fact that he did not and could not provide us with the rates he had claimed. 

Finally, he asked us to meet with him in person to review the application. We set an appointment for Saturday, XX/XX/XXXX. He sent me another email asking to repeat my email about having a better offer on Wednesday XX/XX/XXXX, promising that we will be " pleased '' with the offer when we review it on Saturday. Finally, Friday XX/XX/XXXX, the mortgage summary document on the Bank of America website got updated and we noticed that the offered rate was actually 3.250 % plus 1.125 % points. 

It turned out that XXXX XXXX promised the rates he did not have authorization to deliver to keep us suspended for a long time. When we finally insisted on locking the rate and finalizing the loan he started lying about having a locked rate offer. He kept us in dark for 10 days pretending that he had locked the rate for us. He used this tactic to keep us in suspension while waiting for the market to slightly improve, so that he could partially deliver his false promises. We had an opportunity to refinance our house at a significantly lower rate inXX/XX/XXXX. We stopped by this loan officer to get a second opinion and lost our opportunity to his deceitful scheme and gamble.
I 'm a XXXX veteran living on benefits, got a car on XX/XX/2014. Then fell into financial hardships, got behind on car payments. I knew that there would be late fees as it read in the truth and lending disclosure bracket of XXXX % after 10 days of said scheduled payment. Then come to find out that lenders were charging us what they called " a {$6.00} per diem PER DAY!!! '' if our full payment was not received on the XXXX of every month, on top of the XXXX % late charge fee! Then they take our monthly payment, deduct their " {$6.00} a day per diem late charge first, then the late charge of XXXX % also gets deducted, then and only then whatever money is left gets the principal deducted. I called them to say that I did not see this on the contract or have any knowledge of this crazy rule. If I would of, there is now way in the world I would of signed. Their reply was you " should of read your contract ''. Now we find ourselves so deep in this hole and lost a lot of money, do n't know what to do. I 'm XXXX here with this, it just does n't feel right! Asking for some assistance and information in this nightmare!
I have requested that all Dispute remarks be removed from all accounts on my Experian, XXXX, and XXXX  reporst. The remarks need to be removed before I can close on my home loan. 

I was told by a Mortgage Company to dispute the issues that were in collection and then now being told by the another company that all dispute remarks have to be removed. I called each company and so far the remarks remain on my report.
Dear Sir or Madam ; This is a letter that I am writing to several parties as a means to bring clarity to my situation as well as dispute and resolve this. I have been making attempts since XXXX when this matter was first brought to my attention. 

I am erroneously being held responsible for student loans with Higher Education that I never initiated. When I went to XXXX XXXX XXXX in New York in XXXX I signed for student loans with XXXX XXXX. I started repayment approximately XXXX after graduation and fulltime employment with XXXX. I made monthly electronic payments of {$500.00} to approximately XXXX. I received a letter of satisfaction. I have settled this debt in full. 

Electronic payments were made through XXXX. When I contacted them to request proof of payments, they advised me that they are unable to investigate anything beyond 10 years. 

During a move from XXXX XXXX in XXXX, New York to XXXX XXXX, New York the bag with papers and other personal effects were lost. In this bag contained the pertinent letter ( amongst many other important items ) necessary to provide to show this debt has been paid. 

When I contacted XXXX XXXX directly ( customer service representative XXXX, employee number XXXX ) advised they do not have any records whatsoever for me. I was then referred to Naviant and spoke with XXXX. Naviant researched their records/files, including their archives. The only documentation they have is for a loan disbursed in XXXX that has been paid ( loan number XXXX ). 

I was referred to Naviant because all XXXX XXXX records were forwarded to them. Which brings me to the most perplexing matter ; If my loans were with XXXX XXXX, paid off with XXXX XXXX in XXXX, and all records transferred to Naviant and they have no record of an outstanding debt then how did Higher Education, XXXX XXXX, and XXXX XXXX become a matter of concern? 

I asked for validation and verification. I was sent a typed document with mark XXXX integrity token in the signature line. I was not sent my original documents as stated is required. How is it possible for me to be responsible for these monies? This is unfair and simply criminal. This debt is not mine. Please, please help me. My entire life is a stand still for matters that are not mine. 

This should be removed from my credit report and my name cleared. Please reach out to me with any questions. This is not my loan and other wise has yet to be shown.
Focus Receivables ManagementXXXX XXXX XXXX XXXX, GA XXXXThis company has reported to the credit agencies that I have {$38.00} in collections with XXXX XXXX from XXXX and reported it in XXXX XXXX. I 'm in the process of trying to obtain a home loan and this has negatively affected me. There is no way that this is a legitimate debt as I was not living in the United States from XXXX XXXX - XXXX XXXX, do not have XXXX XXXX nor is it even available in XXXX Idaho where I 'm currently living. They had called me several XXXX times and I informed them that this is not my debt and I do not have any account with XXXX cable. I had asked them several times to stop calling me before blocking their number. I 'm still receiving several mysterious automated calls daily. 

Regards, XXXX XXXX
Iberia has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
XX/XX/XXXX I checked credit karma on XXXX  and my score dropped from XXXX to XXXX. It erroneously shows XXXX XXXX updating a XX/XX/XXXX vehicle showing it was repossed. false it was voluntarily surrendered by me. my credit took an unnessary hit. my credit should be going up not down. i currently lease a XXXX XXXX XXXX with no late payments. Please clear up this unnnecessary confusion and bring my score up to date. Thanks
My bank account was frozen by Patenaude & Felix, two days later I receive paperwork from this company letting me know that they received a judgement back in 2010. They went back to court last month and were able to levy my accounts to collect the money. My problem is I never heard anything about this lawsuit until now. I moved 7 years ago, this company filed the lawsuit in my old city after I moved. I know they knew where I lived because they were calling me at my new address and sending out letters. I was unemployed at the time and could n't pay and I told them so. I do not think its right that the first time I hear about this is when they freeze my accounts.