WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2016, I refinance my auto loan, which had previously been with Ally Financial, with XXXX XXXX XXXX. XXXX XXXX has been great. They acquired a payoff amount and address for payoff, but Ally claims they ONLY has a PO Box , and payoff can only be sent through regular mail, not overnight. It has now been 3+ weeks since my refinance, and 2+ weeks since XXXX XXXX sent a payoff check and a request to release the lien. I have had four ( 4 ) conversations with Ally, all just short of stating that I must make a payment and that I have been sent to collections, and they have not been able to assist me in locating XXXX XXXX 's payoff nor have they been able to to provide me nor XXXX XXXX in anyway with a solution. They will not provide us with a physical address in which the bank can reissue and send another check either. XXXX XXXX will not resend without this.
My client is XXXX XXXX the daughter to XXXX XXXX. XXXX XXXX is responsible for the payment of mortgage. She has a financial hardship in that she had lost her job and her unemployment had expired. My office is preforming a short sale and the property has been listed. There is a residential listing agreement. There was a deed that needed to record from XXXX to XXXX to correct a title issue. XXXX XXXX would not execute the Deed per title requirements as XXXX XXXX had failed to hold up an end of the agreement. I have mitigated this situation and now XXXX XXXX has executed the Deed. We have the deed to complete the transaction and is being recorded concurrently when we close. Title is opened with XXXX XXXX XXXX and XXXX XXXX XXXX.
Both my husband and I have tried to order our credit report from the XXXX website. Both attempts ended in an error or the report not being available. My request was for XXXX and my husbands was for XXXX. Please correct this problem so we can get copies of our reports.
I have always had problems with this bank. But this is a new one. Since last year, my insurance has been paying the monthly payment due to unemployment and XXXX. Since the hurricanes in Puerto Rico, they have been late-posting the payments and I believe that is to charge more interest which also affect my credit report with their overdraft. I've been always in contact with the insurance and I have the record of their payments. Three checks were sent and the never post it. The insurance made these new checks on XXXX. Now, the last check was sent on XX/XX/XXXX and it has not been posted. 17 days to post a check by mail? Seriously. Letters arrived in two days. Contacting someone in the headquarters IS IMPOSSIBLE. I have tried to call more than 10 times and I'm always transferred to Customer Services Department THAT NEVER KNOWS A THING. I really, really really hate this bank. I'm very anxious to leave this bank.
I have had a line of credit with specialized loan servicing for many years and have never had any issues and have always paid on time. I was offered a modification with them several years ago after the XXXX shock and agreed to it. The mod is fixed 4 % interest only for the remainder of life of the line of credit. Two months ago I noticed that the payment increased and discovered their system of record reflects 4.25 % instead of the 4 %. Several calls in the last six weeks while waiting on a research ticket to be resolved to remedy this situation has gone ignored. Their executive office halted the continued montly ACH from my savings account and now I am having to call in payments due to non-corrective action on their part. According to the executive office, they do not know why their computer is not correcting the rate back to 4 %. We are making ( estimated ) payments now based on previous years payments based on the respective month. The fact that a mortgage servicing company can not explain, nor correct something as critical as the interest rate is egregious. Please help me!
On XXXX XXXX XXXX XXXX 2017 ( XX/XX/2017 ) I received a call from a Bank of America representative to be precise fraud department telling that, there is fraud going on regarding phone numbers associated with customers account, I said okay then she said for verification propose she was going to send me a text to my phone for clarification and identification which she did and I verified. Not quite two hour I log into my account and I saw the sum of XXXX XXXX XXXX XXXX dollars being debited from the account been pending I called Bank of America right away, I was transferred from one department to the other until finally someone told me that the department responsible for such matters is closed, that I should call the next he gave me number to call.

When I did call the next day I was instructed to go to the bank office and open a new account and the current account in question will be temporary suspended pending investigation, what ever I have balance will be transferred to the new account that it might take ten business day for the investigation. After ten days I called and I was told that they sent me an email which actually I saw but was n't sure if that was from XXXX XXXX XXXX because it was not easy to access. Eventually I was directed on how to open it but before that the representative told me that my case was denied. I have been trying to reach Bank of America that I have nothing to do with such transaction they have been very adamant about not returning my money, hence I decided to reach everyone that can help in collecting my money for this have cause a great hardship to my family through the Holidays. Thanks XXXX : I am unable to attach the police report
I have a credit card debt with XXXX for amount of {$5000.00} XX/XX/XXXX I have made partial payments then lost my source of employment and income could n't make the payment. So it was charged off according to my credit monitoring company. Then in XX/XX/XXXX got a call from someone claiming they are attempting to collect and ask for my social to verify that it 's me their speaking with and I refused cause I thought its a scam. Then I received a mail from a collection agency/law firm XXXX XXXX XXXX XXXX Account Resolution associates with a court document '' Declaration RE : Accrued Interest dated XX/XX/XXXX and a document Memorandum Of Cost After Judgement, Acknowledgement of Credit, And Declaration of Accrued Interest. The accrued interest on the document dated XX/XX/XXXX is for {$3500.00}. And this is the only document I 've seen at this point until XX/XX/XXXX when my wife received an alert from our bank and all of our saving money is gone. The amount levied was total of {$16000.00} After talking to our bank that they explained to her that there was a legal levy document on our account and I had ask for a copy of the document which they provided. So I contacted and was advise from a law firm first and go to the court house in XXXX California to get copy of Proof of Summon and I ask for all the documents in the file. I realized I was summon back XX/XX/XXXX and I did n't even know about it. And I believe that the statue of limitation should apply here but I 'm still being sued and judgement made without any documentation on file showing if this collection company actually owns the right to this debt and no mention of the original creditor selling the debt to the collection agency on what date nor when it was defaulted by XXXX. I believe statue of limitation was voilated. And the funds they have taken was borrowed by my wife against her pension plan to help cover mortgage and she is still paying that back through her work deductions. I 'm not claiming that I did n't owe the bank the money but the way I was notified was not right. They claim attempting to call me but wasn, t successful but in fact the only call I received was XX/XX/XXXX-XX/XX/XXXX by a person claiming to collect and wanted me to give my social secruity number over the phone which I did n't and dismissed it as a scam. It 's all the money we have to keep us in our home and after spending a year and half with the loan modification approved with XXXX XXXX. Then to be taken by a law suit from a third party collection agency that may have also claimed more interest than neccessary. Please help?
I had a payday loan company by the name of XXXX deposit funds into my checking account, the deal was that I paid them back on that day and then they could loan me {$2000.00} because I then had a payment history with them. Needless to say, it was a scam and the deposits they made into my account got returned. The bank is saying it isn't their fault so there's nothing they can do. This has resulted in my account being overdrawn hundreds of dollars and they just won't do anything, I tried telling them about the company who pretends to be a legit company, they admitted they know it's a scam but still won't help me or do anything to protect consumers. I get that it's not the banks fault, but most fraud and banking issues aren't the banks " fault '' per say but they still have somewhat of a responsibility to handle things when their clients get scammed. I have reported the company to the REAL XXXX XXXX XXXX. I already have called, emailed and visited the bank in person and all I get is an attitude and told it's not their problem. This put me in a terrible spot where the little money I did have was taken and they just continue to put the account more in the negative every day that goes by. This has taken a minute because I sent the original complaint to the Comptroller of the Currency and apparently that was the wrong governing board for this issue. Please help, it is not ok for this to happen.
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from RS CLARK AND ASSOCIATES. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against RS CLARK AND ASSOCIATES in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
Finally, after multiple complaints, XXXX XXXX XXXX and XXXX provided proof to the CFPB that XXXX XXXX, dba Orchard Bank, is reporting me for fees and interest in the amount of {$420.00} and {$9.00} in undocumented charges. XXXX XXXX XXXX and XXXX only respond to CFPB inquiries, never to my mailed direct inquires to them. Since I have not record of the {$9.00} in charges, how can I owe {$420.00}. Even if this is in accordance with some document I have no record of agreeing to, how can this be a fair credit practice?
My student loan used to be serviced by ACS which became or was transferred to Conduent. When I try to log in their site to check my loan balance & related information, I get a response saying Conduent is not the servicer for my loan. I don't know who services my loan now ; the monthly payment is being automatically drawn from my account because this is how I had it set up with ACS, where are the payments going?
This bank is difficult to get updates. I just called and they told me they could not give me any updates except that the file was in XXXX. I message the negotiator everyday in XXXX and do n't get a response for 2 weeks. My client is getting stressed out an the buyer is anxious. We have a signed atp and I am not sure what is taking so long.
On XXXX XXXX, 2015 I made a payment for my home loan to XXXX Mortgage in the amount of {$1300.00} for the months of XXXX 2015 bringing my home loan current. On XXXX XXXX ,2015 my loan was sold to Seterus. I made XXXX payment to Seretus in the amount of {$700.00}, which was received, and cashed. I received foreclosure letters from Seretus, resulting in me making a phone call into customer service on XXXX XXXX XXXX. The customer service rep stated he could see that I made my payment to XXXX bringing my home loan current, BUT they applied my payment incorrectly to the principal. Which then leaves an additional {$240.00} that I have to pay to Seretus. He stated even though they know its incorrect they can not change it on their end due to the fact it 's how the loan was sold to them? I stated so I have to pay an additional {$240.00} that I do not owe, and their answer was yes. I have receipts for the payments made to XXXX, and Seretus. How can they legally do this? I am a single parent, and it will be hard for me to come up with an additional {$240.00}. Seretus stated if I do not pay this amount to them, then they will move forward with foreclosure proceedings? The payment I made for XXXX of {$700.00} is being held in a suspense account ( {$500.00} ) until the additional is received. So this is showing XXXX payment has not been received. The Seretus rep was very rude, stating he do n't see why I can not just pay the amount if I want to stay in my home. I also asked if I could pay an additional {$50.00} a month on top of my monthly payment of {$690.00}, and was told no I dont qualify for a repayment plan ( even though I do n't owe them in money )!! This has been a horrible experience with them from the start! If they are capable of doing this, then I am scared to see what else they may get away with. I have been in my home for 16 years, and have plans to stay!
I discovered 2 accounts placed on my credit report that are showing as Closed, Late, Charge Offs, both with incomplete account numbers from XX/XX/XXXX and XX/XX/XXXX respectively. XXXX XXXX acct XXXX Opened in XX/XX/XXXX Closed in XX/XX/XXXX and Applied Bank Acct # XXXX Opened in XX/XX/XXXX and Closed in XX/XX/XXXX. I have disputed these accounts as unverifiable and requested supporting documentation according to the XXXX XXXX Compliance and to obtain validating proof from the creditor showing a signed contractual agreement bearing my signature. I have also contacted the creditors via certified mail requesting the same information and have yet to receive the requested validation. This is a violation of the FCRA and FDCPA and Experian is allowing this to continue after over 10 months of requesting validation.
Chase XXXX XXXX has reversed several alleged fraudulent and/or unauthorized purchases to the primary account holder that were made by me, as an authorized user and very known to the primary account holder, without any investigation whatsoever, which has locked me out of many of my accounts including my XXXX account. The primary holder decided to make these fraudulent disputes after I had moved out of the residence without contacting me. This has caused a very dangerous situation, including reversal of FIVE ( 5 ) car payments that I had made, causing my car loan to become over 120 days past due, insurance payments and additional bills that I had paid, as authorized user, while the primary holder was well aware of EVERY SINGLE TRANSACTION I HAD MADE AND HAS MADE NO ATTEMPT TO CONTACT ME PRIOR TO REPORTING THESE CLAIMS. THE PRIMARY USER HIMSELF HAS COMMITTED FRAUD!!! 
Chase had issued two credit cards that were requested by the primary holder for me to use as authorized card holder, cards ending in XXXX and XXXX, that were personally requested by the primary cardholder and given to me by the primary card holder for use as an authorized user to make purchases, with my own cards that included my name, that the primary account holder acknowledged and personally handed to me at the residence where we lived together. I have paid several of my bills that are very known to the primary holder and I have also paid the primary holder thousands of dollars towards said bills. MONTHS later, I am finding out that most of the charges that I made ( ALL THE WAY BACK TO XXXX HERE WE ARE IN XXXX ) were REVERSED AND THE PRIMARY HOLDER HAS RECEIVED SEVERAL REFUNDS!? NONE OF MY CHARGES WERE FRAUD OR UNAUTHORIZED!!! This is a very dangerous situation causing me to repay several of my merchants that I was previously authorized to pay bills to by the primary cardholder. Chase will not speak to me since the primary holder has removed me from the account. Chase should not be issuing authorized user cards and then allowing primary holders to claim at least NINE ( 9 ) claims of fraud/ unauthorized use without any investigation. Without some proof of " unauthorized use '' ( which is impossible if I was an authorized user and was permitted to use the cards ) I should not be subject to repay my merchants because of Fraud/ Unauthorized use under Federal or State laws which include as an element actual, intentional, unauthorized use. This is bad faith to consumers. HOW do my charges, as authorized user, get reversed MONTHS LATER!? MY CHARGES ARE NOT FRAUD!!!
Name XXXX XXXX XXXX is not my name. It is on my credit report.
I purchased my home in XXXX XXXX using a mortgage broker ( XXXX XXXX XXXX XXXX ). Shortly after they sold my loan to AmeriHome Mortgage Company , LLC who would be financing my loan. The loan type is Fixed Rate - 30 Year. 

Concern 1 : My escrow shortage does n't look accurate Concern 2 : My monthly payment is going up almost 7 % and I can not afford the new rate Concern 3 :  After escalating the issue internally at AmeriHome - they will no longer discuss my issue with me, nor will they return my e-mails or phone calls. 

XXXX XXXX I received a letter from AmeriHome stating my escrow shortage was {$3100.00} & my new monthly payment amount would also increase $ XXXX ; or I could not pay the shortage and my new payment amount would go up {$360.00}. I had a concern about where about {$1200.00} of this shortage was derived. 

On XXXX/XXXX/XXXX I reached out to AmeriHome to discuss the shortage and where the numbers were coming from, only getting the response that " its from your Insurance and Taxes. '' I looked at the numbers myself but they did n't seem to add up. I asked for the customer service rep to escalate to a supervisor, at which time I was put in contact with XXXX. At this point, all I was trying to do was pay the shortage and overfund my escrow account to keep my payment amounts the same and I was informed that it is IMPOSSIBLE for them to do that, even though I can not afford the increase stating if they get audited they 'll get in trouble. With proper documentation - they should easily be able to explain that to an auditor. Since I was n't getting the resolution I needed, I asked for the next escalation point, at which time I was told to contact XXXXXXXXXXXX with the subject line " Office of the President ''. I did so on the same day requesting a call back. I followed up via e-mail on the XXXX, XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX, as well as by phone on XXXX. The last phone call I had with a customer service rep on XXXX - I expressed my concerns w/ the lack of response from the " Office of the President '' and let me know the supervisors would no longer discuss my concern with me  because the issue has been escalated to the " Office of the President. '' My last correspondence with AmeriHome on XXXX was via e-mail letting them know if they can not get back with me by COB XXXX/XXXX/XXXX I would seek other escalation points. 

I need help. If this is not the right avenue for escalation, maybe you can point me in the direction of someone who can help? I am trying to pay the company, but I just want to have a conversation with someone from their company that can provide sound explanation for their claims and work with me to keep me from having to sell my home because I can not afford the new monthly payment.
I read that the CFPB is suing XXXX and Navient. I believe that XXXX steered me toward forbearances instead of offering me lower payment plans. This occurred at least three times. I believe they tried to cover this up when the company split, and I was placed with Navient. If I look at my transaction history, all of my forbearances are listed as " adjustments '' and not forbearances. However, the cost of a forbearance was {$150.00} and lasted for 2-3 months. So, it is easy to see that each " adjustment '' was a forbearance. I believe the XXXX dollars of accrued capitalized interest on my principle could have been avoided.
In XX/XX/2018 I utilized a 0 % APR offer for a balance transfer which would last for 12 months. Prior to this I had not had any issue with my balance being paid, and had not accrued any interest. However, after the balance transfer had posted, although I had paid more than the amount of my purchases ( which the excess should have been used to reduce my balance transfer amount ) I began to see two things : First, interest charges in the month of XXXX and XXXX, and I now see a running interest balance that will be charged for XXXX. Second, my balance transfer amount has not gone down in the amount that I have paid the company. Attached are the documentation of my conversation with the company, billing statements ( which reflect payments as well ), and the initial acceptance email of the 0 % APR offer.
I have received multiple credit collection notices from MRS Associates, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, XXXX. I have sent a letter indicating that this debt has been dismissed on a final Chap XXXX Bankruptcy in XX/XX/2017, however, they continue to send notices. I have received numerous phone calls from this company and I have either referred them to my attorney and/or have told them to stop harassing me. I have also informed them by phone that this debt has been included in my personal/business bankruptcy. They persist and this has caused me and my family undue XXXX XXXX.I am a XXXX XXXX and have been housebound for the last three months due to a service connected injury. I am suffering from XXXX and XXXX and can't take anymore of this harassment.
Issue 1 : I applied for Mortgage loan with Quicken Loan and they did my credit check and issued pre-approval and then we agreed for XXXX XXXX ARM loan@3.375 % for loan amount XXXX with estimated cash to close XXXX. I wrote an additional email to my mortgage consultant to get confirmation that estimated cash to close it correct and and if changes will be XXXX XXXX dollars and not significant. I got the rates locked signed documents for the above quote and have copy of the same with rate locked. On XXXX XXXX they uploaded another quote showing estimated closing cost almost XXXX which was a big shock. I was frustrated called mortgage consultant he said he will get it fixed but days went by nothing got fixed and I was concerned more, I kept calling and escalated till Director but no one helped they say that it was a mathmatical mistake and we cant do that.my decision is based on the quote which was locked on XXXX XXXX and I planned for only XXXX XXXX as closing and dont have additional to pay. I have talked to them but they are not helping at all and not honoring the quote we locked. 

Issue 2 : They mailed all my document containing my credit report, SSN, Date of birth, all my bank acocunts and credit card details to the New Property Address which has closing date XXXX XXXX instead of sending to my current address. They envelope went through many hands and when I finally I got it it was tampered and already open so all my confidential and credit information already got leaked. This is totally ridiculout and was also reported to Quicken Loan. 

Thanks, XXXX
I signed loan modification papers with soritis for new reduced mortgage interest rate and payment. An electronic payment of {$990.00} was sent to sorits on XX/XX/18 ( prior to the XX/XX/18 due date ). 
I received a statement on XX/XX/XXXX, dated XXXX as a monthly statement from sortis, that does not reflect that payment the from XX/XX/XXXX. Attached is a copy of that statement.
On X/XX/2017 I called NFCU to let them know I wanted to dispute a charge from a company that I just had repaired work done to. NFCU, stated that it would take up to 10 business days to receive a provisional credit. NFCU has been negligent in responding to my claim and has failed to contact me regarding any steps in this process.