WillisBack/dataset-financial-user-claim huggingface dataset:
This complaint is in relation to Planet Home Lending Mortgage Company. I have been charged additional fees up and above my regular mortgage payment for the XXXX time this year. I went through a loan modification XX/XX/XXXX and it is currently XX/XX/XXXX and I continuously am being charged fees. I have called Planet Home Lending customer service and they ca n't give me a straight answer. XX/XX/XXXX they charged me a fee of {$34.00}. Their explanation was that it was in regard to my loan modification and was a fee that was not paid. I reluctantly paid. Then XX/XX/XXXX I was charged a fee of {$51.00}. When I called to inquire, they were not sure what the fee was for and they credited my account, but left a fee of {$3.00} which again I paid. XX/XX/XXXX they again charged me another fee of {$46.00}. Again after speaking to them, they corrected the fee. Now, I received my XX/XX/XXXX statement and another fee for {$17.00} has been charged to me. I am very frustrated with these fees almost every month. I called and inquired about this fee and they said it was a fee for a XXXX drive by '' that was conducted during my loan modification process XX/XX/XXXX. A year and a half later and they are charging me for someone to drive by my home to check if it is occupied. I am tired of taking time to inquire about these extra charges for all these months. I feel I am being penalized for obtaining a loan modification and they continuously are finding some kind of fee to charge me above the regular mortgage payment. Is there anyone that can look into this company? Maybe conduct an audit and check if this is happening to other customers. I received a loan modification in order to afford my monthly mortgage, but the fees they keep assessing is not helping me what so ever.
ERC was contacted and told that in Texas the statue of limitations of original debt is four years, Texas Statue Section 16.0004 ( a ) ( 3 ). They recieved the XXXX XXXX XXXX Debt on XX/XX/XXXX, the original collections dates to XX/XX/XXXX. I have requested that they remove it immediately from my XXXX file and they are not doing it. I have
Transunion is incorrectly reporting an increase in the balance owed to XXXX XXXX XXXX of {$260.00} which lowered my credit score. This is not correct. The original amount owed was {$16000.00} and the current amount owed is {$16000.00} No payments have been made 30 days or more late. Statements attached for review.
Experian, XXXX and XXXX  are reporting items on my credit report that are inaccurate and past the statute of limitations. When I have asked to verify and validate the account they only say it's been validated as correct. By law, they have to prove in writing, with the Original creditor that I signed a contact and show proof of such, i.e. a voided check. They are playing stall tactics so they can be paid by debt collectors that have purchased these inaccurate accounts. The are also breaking the law by reporting HIPPA medical accounts that can only be reported by the original creditors. The hard inquiries listed on my report are inaccurate. By law, only if I authorize, can a company run my credit.
I am one of the 143 million American consumers whose sensitive personal information was exposed in a data breach at Equifax. 

I am listed as a potential victim according to their equifaxsecurity2017.com website.
They have mishandled my information, which puts me many other people at risk, and I would like a resolution.
On XX/XX/XXXX I was alerted that my Wells Fargo debit card had 2 transactions at a XXXX, one for {$700.00} and another for {$200.00}. These transactions were not me, were not authorized by my, and I had my card in my possession at the time. 

On XX/XX/XXXX, I called Wells Fargo fraud division and filed a claim for fraudulent charges on my debit card. Wells Fargo canceled my current debit card at the time, sent me a new debit card, and credited my account for {$900.00}. They also mentioned the investigation of the fraud could take up to 10 business days and if anything else was found I would be notified. I assumed by the end of the month the 10 business days had passed and I was ok to spend the money credited back to my account. 

On XX/XX/XXXX, I received a letter from Wells Fargo Claims assistance center stating that they have completed their research on my claims inquiry. This letter stated that " based on the information available to us, we found the charges were made by you or someone who had your permission. As a result, the {$900.00} temporarily credited to your account, will be deducted on XX/XX/XXXX. 

After this letter was received and the {$900.00} was deducted, resulting in a negative balance of over {$600.00} dollars, I called the Wells Fargo claims assistance center again. The person who answered the phone could only read the notes at hand stating that " based on the information available to us, we found the charges were made by you or someone who had your permission. '' I was persistent in stating that these charges were not made by me or anyone that I had authorized, and that my card had never left my possession. I was told that " the transaction indicated that the card was present for this transaction and there was nothing else they could do for me at this moment. 

My family has banked with Wells Fargo for many years and hold a mortgage with them as well. They have had fraud/ identity theft issues in the past and have had no issue when solving it. This is the first fraud issue I have had and they are telling me that the card was present and it was not. I feel as I am being treated like a criminal being told that it was me that made this transaction and that I am lying. 

In the mean time I am out of {$900.00}, asking family members to cover my negative balance and overdraft charge. Wells Fargo is saying there is nothing else they can do and the next step would be to file a police report. 

Please help.
My checking account with Wells Fargo was overdrawn by over {$200.00}. At that point I submitted a request in writing, using the secure message portal from my online profile to have my checking account closed. Wells Fargo chose to leave my account opened for several weeks while charging me excessive fees for attempts made on my account to collect payments. Wells Fargo also processed many of the transactions, putting me further in debt. By the time they decided to close the account, my checking account had been over drawn by almost {$2000.00}, with almost have being attributed to fees. This is a clear violation of what they have vowed to do different after being fined for the same behavior.
RE : NEW COMPLAINT IMPROPER SERVICING OF MORTGAGE LOAN ENDING IN -XXXX To Whom it May Concern : Complaint Information : A complaint was filed on XXX with the CFBP. XXXX XXXX XXXX provided a letter dated XX/XX/XXXX to the complaint which contained false statements and inaccurate information ( See attached ). Capital One responded indicating that no payments were made on my account during the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX and a payment was received on XX/XX/XXXX in the amount of {$3300.00}. No lump sum payment in the amount was ever sent to XXXX XXXX XXXX on XX/XX/XXXX. 

This information is false and inaccurate. While I was in a Chapter XXXX bankruptcy, I was responsible for making all payments directly myself. The mortgage payments were not made through the trustee/bankruptcy court. Attached, you will find evidence/proof from our XXXX XXXX XXXX checking account statements provided by XXXX XXXX XXXX showing ALL the above referenced payments were made during the months they were due. I have placed an * next to the payments in question. 

Since filing the original complaint with the CFPB in XX/XX/XXXX, I have attempted to contact XXXX XXXX, Office of the President, Financial Services on the phone numbers provided in the attached letters several times. This individual does not answer the phone and has not returned any of the messages I have left.
I have a Synchrony Bank card ( Care Credit ) and my payment due date on my account is on the XXXX of each month. I never been late or missed payments on this account and in XXXX, was the first time I made my payment a few days later on XX/XX/18 for {$73.00}, due to a payroll error with my employer. Since I never been late on this account, I was advised by a representative that a late fee would not be added to my account, however, on XX/XX/2018 would be added. In XXXX, due to an oversight, and still recovering from my reduced paycheck for the prior month, I didn't realized that I forgot to make my payment on XX/XX/2018 and on XX/XX/2018 when I logged on to my Synchrony Bank account to make my regular payment, I noticed my minimum due amount being really high, so I contacted Synchrony Bank and was connected with a representative named XXXX, who assisted me in removing the {$38.00} late fee that was already posted on my account on XX/XX/18. My XX/XX/XXXX statement was showing a total due amount of {$170.00} and she advised me to make a payment for {$140.00}, since both my payment and late fee reversal would total {$170.00}. I made the payment of {$140.00} and today when I logged on to my account to verify accuracy on my account after payment and late fee reversal were posted, I noticed that there is still a payment amount requirement in the amount of {$38.00} due on XX/XX/18. I contacted XXXX XXXX again today ( XX/XX/18 XXXX PT ) and asked to speak with a supervisor and was transferred to a male representative who introduced himself as " XXXX ''. I explained the situation and asked him how this situation can be corrected and he was not informative, and just told me that although there was a payment for {$140.00} and an adjustment for {$28.00} on XX/XX/18, I am still required to make the additional payment for {$38.00}. XXXX XXXX was unwilling to research further to give me the correct information and when I told him that information was incorrect and I was going to request assistance from CFPB, he was condescending and told me to go ahead and file a complaint if I wish to do so. I contacted XXXX a second time and was advised that the {$38.00} fee reversal was made for the XXXX payment and the XXXX late fee reversal promised by XXXX on XX/XX/2018 was never reversed. I am requesting assistance from CFPB on this matter, since I had no knowledge on this fee and miscommunication from representatives, and this error can result on a negative entry on my credit reports.
I went in to open a Business Bank account. I refuse to give my Social Security Number. Rep refused to open Bank account, I was told it was the law to give my SSN. I told them it is not required by Law. I had my passport and EIN to open the account.
My issue involves XXXX financial institutions. I have an existing personal loan with XXXX ( XXXX XXXX XXXX ) which I decided to payoff via a personal loan with PNC Bank at half the interest rate. 

PNC sent XXXX a check on multiple occasions to multiple lockboxes but the checks were sent back to PNC. XXXX could not provide a reason why the checks were not accepted by their lockbox service. I confirmed with PNC that my account, name, and the mailing address of the lockbox were all correct. Additionally, we sent a payoff via XXXX which was signed for when delivered. 

PNC refuses to try and pay XXXX via EFT or fund my account directly to pay XXXX via EFT. Additionally, PNC will not reduce my personal loan for the funds that have not been disbursed to XXXX. 

I am left in a situation in which XXXX loans are accruing interest and neither bank will try to resolve the situation in a manner that helps me.
According to the FEDAL FAIR CREDIT REPORTING ACT consumer reporting agency may not report negative information that is more than seven years old from the fist date of that account being late.According to credit report file from XXXX/XXXX/XXXX and credit report file from XXXX/XXXX/XXXX show that the items is do for deletion
In XXXX of XXXX, I received an escrow reimbursement check from LoanCare because they said we had an overage in our escrow account. I called them and explained that they needed the money in my escrow account to pay my summer taxes and sent the funds back to them to deposit into my escrow account. When I received my XXXX year end statement from LoanCare, I realized that they never paid my summer taxes from my escrow account. I called on XXXX XXXX, XXXX to ask them why and they said that the issue would be resolved by XXXX XXXX and that someone would call me by then to let me know. When I had n't heard anything by XXXX XXXX, I called again. I was told that the claim was never submitted and that they would send it to their tax department and have it expedited. They said it would be resolved by XXXX XXXX and that someone would call me. When I did n't hear from anyone by XXXX XXXX, I called back again and explained my situation again. I was told they would send it to the tax department and have it expedited. I reiterated that they were the third person to tell me this and asked how I would know that it was going to get resolved. They apologized and PROMISED to call me by XXXX XXXX and that it WOULD be resolved by then. By XXXX XXXX I had n't heard anything and called back for the fourth time. I was given the same story and I then asked to speak with a supervisor. I was told that the supervisor XXXX XXXX would call me within the next 24-48 hours. It has now been almost three days and no one has called me. Six days ago, I requested an advocate through LoanCare 's website to help me get this issue resolved but have not heard from anyone.
Between XX/XX/19 and XX/XX/19 I received a notice stating my car loan account was closed with XXXX XXXX  XXXX XXXX on my Equifax and XXXX  reports. I still have the car in my possession, my payments are current and this is my primary vehicle. I contacted XXXX XXXX XXXX XXXX whom informed me after investigation my account is positive with a balance of {$7400.00}, but there is nothing they could do for this to reflect on my credit report, and are unsure why my payments made are not reporting on my reports and this would have to be disputed immediately. my credit score declined 30 points due to this action and I am seeking resolution.
During XX/XX/2018, I disputed specific accounts and inquiries via mail that are fraudulent on my credit report. I am a victim of Identity theft and it is vital that all of these items are blocked and deleted.
The aforementioned account with XXXX, formerly XXXX XXXX XXXX was paid in full with an agreement from the collection agency Credit Protection Association to be removed from my credit report. The account is still being reported on my credit file negatively.
There are XXXX accounts reported by XXXX XXXX XXXX on my credit report ( s ). <P/>Totaling {$3000.00} and {$500.00} each. <P/>The original creditor reported to the credit files is XXXX XXXX XXXX. <P/>I do not have nor have I ever done business with a company named XXXX XXXX XXXX. <P/>When I contacted XXXX XXXX XXXX they said the company was XXXX XXXX XXXX. <P/>When I attempted to contact XXXX XXXX XXXX I discovered they were no longer in business and the current staff does not have any contact info for them. <P/>XXXX XXXX is no longer in business and any claim asserted by them is null. <P/>I have no way to dispute any alleged charges of have a point of contact with XXXX XXXX to get to the bottom of the charges they claim. <P/>All XXXX was willing to do was tell me " That 's what they say you owe. '' This is not a legitimate debt and and it is libelous what they are doing to my credit files.
Capital one has listed 2 ccrd account in the amount of {$2200.00} twice, reporting from XXXX. Only one account should be reporting, Please have them remove this erroneous, from my XXXX credit report.
Navient has called my brother, parents, and brother-n-law harassing them about my debt that is owed. I 've asked them repeatedly to not contact my family as this is an embarrassing subject. They call and harass me saying they will take legal action and that I need a lawyer.
I thought I was applying for a balanced transfer but instead it was a cash advanced. In addition they never calculate or show during the process a fee for a transfer ( actual cash advanced ) the amount for the transfer ( cash advanced ) until after the transfer ( actual cash advanced ) It says transfer everywhere, they talk of balance transfer, no mention anywhere Cash Advanced, I was told 3 days later at the bank office it was not a Balanced Transfer but Cash Advanced. different fees, different monthly payments every month. How deceptive. I was told by someone in the Corporate office I could get it changed once I paid it off. Give me a lie then I have to pay for that. Why are they allowed to run a XXXX XXXX like that? 
Solution : They should be made to place cash advanced description on there website in big bold print, capital letters. There is a reason its not there. How sad to deceive people in such way, why are they allowed to even have a banking business.
Paypal will not give me my money for a item i SOLD ON XXXX/XXXX/2015 FOR {$45.00}
I applied for a XXXX XXXX card from Barclays in XXXX of XXXX. There was a Welcome Bonus of XXXX points after paying the annual fee. I paid the annual fee of {$89.00} in my first billing cycle but never received the points as promised ( exhibit XXXX ). Shortly after I was approved, Barclays converted the account to an XXXX XXXX XXXX XXXX card, due to the XXXX XXXX merger. Because the old XXXX XXXX product was no longer being offered, I could not look up online to confirm what the requirements were to get the bonus. From my understanding, I met them by paying my annual fee. After I got my new XXXX card I used it in XXXX of XXXX, hoping that would trigger my XXXX points I never received ( exhibit B ). 

By XXXX I used Barclay 's secure message service on their website to submit a complaint and ask where my points were ( exhibit C ). I was told I did n't meet the requirements ( even though I paid my annual fee ) because I did n't make a purchase. I did n't ever see that in the terms and conditions when I applied, and again, could n't be found online due to the original XXXX XXXX product being discontinued. 

Hoping for a better resolution from Barclay 's XXXX team I contacted Barclay 's on a secure XXXX message to ask where my points were ( exhibit D ). I was promised I would see the points on my next statement. I was not notified that I failed to meet the requirements. 

My next statement would be XXXX, I did n't receive a statement that month. XXXX was the last statement I ever received in XXXX ( exhibit E ). I did n't receive a statement until XXXX of XXXX. There was nothing on the statement. Nothing due, no rewards points, no balance, nothing ( exhibit F ). 

Fed up and frustrated with Barclay 's I forgot about the account. 

I 'm now just realizing I 've been charged an annual fee for my second year, and two late payments. 

If Barclay 's will not keep their word of honoring the original agreement of rewarding me XXXX points upon paying my first annual fee in XXXX, and will not honor their promise to reward me my points when I asked for them in XXXX, I ca n't be expected to pay an annual fee on this account. 

I 've since been charged two {$25.00} late payment fees because I have n't paid off the 2nd year annual fee on time. I will not be paying the annual fee, or the late payment fees, as Barclay 's has broken our agreement. 

{$89.00} - 1st annual fee ( paid in full - Exhibit A ) {$89.00} - 2nd annual fee ( only paid {$25.00} in XXXX - Exhibit G, and {$51.00} in XXXX - Exhibit H - of the fees before realizing Barclay 's never honored agreement )
Bank of America promise me to modify the loan and ask me for several paperwork over the course of two years but in the end are foreclosing my home on XXXX XXXX 2015.
My wife and I recently applied for a home equity loan at our local credit union and our home was reappraised for the loan. The title company notified the credit union that an abstract of judgment was placed on our property for the amount of {$32000.00}. I notified the credit union that it was not ours but we still got the loan.The credit union gave us the docket number in the Supreme Court of the State of New York , County of XXXX New York. We got a copy of the docket and found it was not ours. It turned out to be my son 's outstanding debt for a camping trailer that he and his fiance purchased, they broke up and within a week she took possession of the trailer, sold it signing his name. The address listed on the docket was his address not mine and of course the social security will be different. The process server served a white female approximately XXXX to XXXX years old at his address. We have not had contact with my son in years and really do n't care where that goes. All I need is to get this judgment off my deed. I know it will go away in a few years if not paid but at our ages we can not wait. I am XXXX years old and do not need this XXXX.
My loan is now more than it was when I first went to school more than 10 years ago. Navient charged me outrageous amounts of interest when I could not afford to make the very high payments. If I could have paid more of the principal and not interest I would n't have such a high loan amount.
I'm filing this complaint because TRANSUNION, has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... .promptly delete all information which can not be verified. '' that I have disputed. Current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely PARROTING information received from other sources. That means that you can't just verify my account by telling me it is verified, or telling me you contacted the creditor and the account I disputed is Verified. I'm a victim of identity theft and I submitted a copy of Proof of Identity my Driver License, Social Security Card, Utility Bill, Federal Trade Commission Identity Theft Report Reference number : XXXX, XXXX XXXX XXXX Police Report No : XXXX and a copy of the Fair Credit Reporting Act Section 605B Please resolve this manner as soon as possible. Thank You