WillisBack/dataset-financial-user-claim huggingface dataset:
I have been getting the run around with JP Morgan Chase bank on a home loan modification. The program ends at the end of the month and from Chase 's lack of action they are trying to run out the clock. Lost documents, documents not received, and they had my wrong number. There have been several folks working on my modification. The main person handling my concern had the wrong number to reach me at. Chase does not allow these representatives to email and this ends up wasting time.
Navient has created obstacles during my repayment by providing me bad information. They processed a large final payment, told me the payment went through, and congratulated me on paying off my loan. Later, they charged me interest and a late fee after they made a " payment reversal '', claiming the bank account number given to them was incorrect. Also, Navient does not show my XXXX Loan Forgiveness of {$5000.00} is removed from my loan, nor can I find it anywhere in my account history. I called and expressed my concern and on the third time, they removed my account history for a few hours before re-posting it. Navient has also sent me emails of incorrect amounts due on my bill.
Wells Fargo has force placed insurance on my property as a XXXX mortgagee. I have told them several times that I already have mortgage insurance through my XXXX mortgage which is XXXX. The XXXX mortgage policy is with XXXX. They insisted on creating the policy anyway stating that they would deduct the money from my escrow account. This is how ridiculous they are. I do not have an escrow account with them. The Wells Fargo Account # XXXX.
I was past due 30 days with Bank of America on my credit card due to a hardship. 
I enter in to hardship program and I made a payment on XXXX the representative advice me that I wont get any late fees and that they wont report me to the credit Bureaus as late. To this date I am being reported to the credit bureaus and it is affecting my credit worthiness. I am a single parent trying to catch up and be responsible with my payments and this is affecting me moral and financially. They claim that they never said that and that it would be their decision if they want to do that. I called several times before just to make sure about the agreement.
XXXX Inquiry from XX/XX/2016 + Finance i never inquired this company and it affected my credit score
Lowes Home Improvement, managed by Synchrony Financial, automatically lowered my score based on some faulty algorithm. I had a credit limit of {$8100.00} & because I was nine days late on my payment they erased my credit limit. 

Thus, the decrease in the availability of credit, in turn, also decreased my credit scrore negatively. They are unreasonable & blame it on the credit bureaus. I spoke with Manager, XXXX # XXXX & Operations Manager, XXXX # XXXX to no avail. Horrible business practice by Synchrony & Lowes.  I have been a customer since 2015.
In XX/XX/XXXX, I obtained a vehicle through XXXX XXXX XXXX. In mid XX/XX/XXXX, I started received notifications that my car payment was reported late almost every month until I traded the car in and got a new lender. I contacted XXXX during my current loan with them as well as on XX/XX/XXXX. I called and ask to speak with a supervisor, letting her know of my concerns for the inaccurate reporting of late payments. She basically told me there is nothing she could do to update the information anymore because I am no longer a customer. I explained to her that I have previously called numerous times to get this resolved, and I put in several complaints with each bureau. XXXX has repeatedly said this information was correct. 

I really need help getting this inaccurate information updated because it is affecting my credit in a negative way. All of the dates below are inaccurate.

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
I negotiated a settlement a XXXX XXXX XXXX XXXX for a judgement against me from XXXX which resulted in a lien being placed against my property. 

XXXX XXXX XXXX received payment in full on this settlement on XXXX XXXX, XXXX. I was told that within 30 days I would receive a satisfaction of judgement and that the lien would be released. In a letter I received from them on XXXX XXXX, XXXX they state : " Upon receipt and clearance of your payment ( s ) for the settlement amount, no further attempts will be made to collect the remaining balance. XXXX XXXX XXXX will submit a request to the attorney of record, or its appointed entity, to file a satisfaction of judgement with the In The Metropolitan Court of XXXX XXXX, NM and release any lien ( s ) that may be associted with Docket XXXX. '' I have contacted XXXX XXXX XXXX multiple times requesting a status on the satisfaction of judgement and each time I 'm given a different story and they refuse to product the document. 

After 30 days they still have not issued the satisfaction of judgement and will not give me an answer as to when they will produce this document and remove the lien from my property.
I had both a checking account and a money market account with Huntington Bank. I transferred the money from my money market to my checking account and then wrote a check in order to move the money to another bank with higher interest rates in XX/XX/XXXX. I then requested that the accounts be closed. My checking account got closed out but the money market was left open. In XX/XX/XXXX I was charged a $ 20 monthly maintenance fee. I spoke with a man on the phone who said he would take care of the fee and have the account closed. However, I was charged another maintenance fee in XXXX and then I was charged XXXX extended overdraft fees of {$25.00} each in XX/XX/XXXX. Someone from Huntington called me and I explained things and they stated they needed to talk to their supervisor. I never received a call back. I called Huntington on XXXX/XXXX/XXXX and spoke with Customer Service. They said they would file a complaint for me and someone would return my call within 15 minutes, but that I needed to call on Monday and talk with an Account Closure rep. No one ever called me back. I called on Monday XXXX/XXXX/XXXX and the man I spoke with was n't able to help. I asked for a supervisor and after waiting 20 minutes on hold, a supervisor who would only give the name of XXXX, said she could n't help me - I needed to be transferred to customer service!! 
I said I would not be put back on hold and requested a call back. She said this was not possible. I was not able to hold any longer. Obviously, I just keep getting a big run around. I want my account closed out and all these erroneous fees removed. I also want to be sure that nothing is reported to a credit bureau
Navient never provided right information to me, they put my account under forebeareance when I told them I am unemployed and they reported my credit agency as a delinquent account. Their customer service is terrible and everyone is extremely rude. Now they are saying I owe them {$1000.00}, so I 'm not sure how to pay off this amount. Please help.
I have paid my final balance with XXXX XXXX and they have said they have requested in XX/XX/XXXX to remove the account from my credit report but as of XX/XX/XXXX it has still been showing. please rectify the removal of this from my credit report as promised.
Capital One still has this information on my credit report according to XXXX XXXX, i called the customer care XXXX XXXX, XXXX while i was working and they said it would be removed that they would contact XXXX and file a complaint, yet they told you that i didnt provide a correct address??? have them be advised i have the phone conversation recorded and will use that as proof. thats a lie, this capital one statement is over 18 years old and should of been removed CAPITAL ONE Credit Card XXXX XXXX, XXXX Closed {$0.00} Account Details Last Reported XXXX XXXX, XXXX Creditor Name CAPITAL ONE Account Type Credit Card Account Status Closed Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit {$1100.00} Term -- Monthly Payment -- Responsibility Individual Account. Balance {$0.00} Highest Balance {$1400.00} Payment Status Current Worst Payment Status -- Date of Last Payment XXXX XXXX, XXXX Amount Past Due -- Times 30/60/90 Days Late XXXX Remarks Account closed at consumers request Consumer disputes after resolution Payment History Latest Status : Current No payment history has been reported by this creditor. Credit Utilization* 0.00 % See something wrong? You could dispute an error with XXXX. *Calculated using reported balance and credit limit on account. its still there
I had setup a payment plan in XXXX 2015 to repay back XXXX XXXX for a credit card I had. I was told that the balance was over {$1000.00}. Portfolio Recovery Associates started deducting {$35.00} a month from my bank account as agreed. The only thing that bothered me was te amount. My limit with XXXX XXXX was {$500.00} so I made a call to XXXX XXXX and they too stated the charge off amount was {$500.00}. It states it on all the credit reports as well. I stopped the deductions from my account and requested them to correct the amount to what the real amount was and not the inflated amount that they were trying to have me pay and they stated if I do n't pay the amount that they set up then they would sue me and get a judgment and I would owe XXXX times the amount. You ca n't do this you can only collect hat is owed and no more. They hae taken {$140.00} out of my account which leaves the owed balance to {$360.00}
A few months after receiving the XXXX XXXX XXXX, I ended up going underway for a few months. I forgot all about this card but when I remembered I had this card, I called the number for the XXXX XXXX XXXX. They told me dont worry we dont report this on your credit report. Im like thank XXXX. Then one day I checked my credit score and I have numerous of late payments on my XXXX XXXX. I was told that they wouldnt report it and now the late payments are the only thing stopping me from being able to buy a house. They wont work with you to remove the late payments. Im a single mother in the military trying to buy a house and everyone always looks at my late payments for the XXXX XXXX because I dont have much on my credit report. Ive called numerous amounts of times to see if theres anything I could do in order for them to remove the late payments but they wont do anything or help anyone. They dont care about us.
I opened an XXXX XXXX XXXX account through Comenity Capital in XXXX 2016. Their practices seem to be highly unethical. For example, if the account is used for a restaurant or hotel or other service that submits for pre-authorization, Comenity puts through the final charge and also holds the original pre-authorization amount for 10 days. Effectively this is a duplicate charge to the account that renders what should be available funds as unavailable. I addition, Comenity does not accurately report account balances to the credit bureaus. I have both a XXXX & XXXX XXXX credit card that are handled by Comenity. I recently paid down my outstanding balances to improve my credit score as I intended to purchase a car that required a loan. In stead of my credit score improving, it actually decreased as Comenity failed to report the payments made to reduce my balance significantly and has n't done so to date. I also paid off the entire balance for the XXXX account only to be charged an additional {$15.00} interest charge after the fact. How is this legal? Following is their response to my quesry about the charge- Thank you for your recent inquiry to our Customer Care Department .
Comenity Capital Bank issues your account and responds to all credit related inquiries. This card is issued by Comenity Capital Bank pursuant to a license by XXXX XXXX XXXX. XXXX is a registered trademark of XXXX XXXX XXXX.
I apologize for any confusion this has caused. On your previous statement, you were informed of an update to your Credit Card Agreement for your account. This notification was to inform you that beginning on your next statement, purchases made outside a Grace Period would be assessed trailing interest resulting in a finance charge after the balance is paid in full. A Grace Period is a period in time in which credit extended can be repaid without a finance charge being assessed.
Interest is charged from the transaction date until the balance is paid in full. Since interest is calculating until the date the payment is received, you will receive a statement for the interest charged in the previous billing cycle. If you pay the trailing interest finance charge statement by the due date, you will not be assessed finance charges during that bill cycle the following month as long as no additional purchases are made.
We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button.
Sincerely, I. XXXX  Internet Customer Care Team I appreciate your help, Sincerely XXXX XXXX XXXX
We went under contract ( XX/XX/XXXX ) for a house and 10 days later there was a appraisal done on the house. The published appraisal ( XX/XX/XXXX ) came back at the price we offered for the house. Over 3 weeks later ( a couple days before closing XX/XX/XXXX ) I get a email from the mortgage company ( Envoy Mortgage ) stating they did not agree with the appraisal and had a ( emailed on XX/XX/XXXX ) desk review appraisal done. This appraisal came in at XXXX dollars less than the original. And they stated we needed to come up with the XXXX dollars before closing. We were already putting just less than 100,000 down on the house and XXXX more was not possible. Also that day the lady who sent the email stated in the email she was out for the whole day and not available and to talk to her boss ( email/number provided ). She stated he understood the problem. So I called him and explained our house ( we were living in ) was being sold the same day as the closing on the new house. And by this email we were homeless come monday. He thought we had a couple weeks before closing and not a couple days ( I understand now these reviews are around 3 days after the appraisal and not 3 weeks ). So he hung up to get the story. After an hour ( still XX/XX/XXXX ) he came back and said the desk review stands ( XXXX less ) but because this put us in a PMI situation they would pay for it because of the lack of communications. Next the regional boss of the mortgage company wished to talk to me. After several minutes of him selling me on how good this was for us. He offered to pay half of the PMI as good faith money. And he stated he bullied the sellers to drop their price by XXXX dollars. I told him that the other manager offered the whole PMI and he stated he did not have the authority to do that. So I stated I had a PDF document stating they would pay. I email it to him and he stated they would pay ( but was not happy about it ). And that was the last I heard from him. So I call the first manager to ask if the first appraisal or their appraisal would be the one of record. He stated the lesser one. So I rised my concern over them using an appraisal in which people did not see the house or all the remodelling done to it. They used appraisals of houses with XX/XX/XXXXXXXX XXXX decor. which fell into that lower range. My complain is this : The review was relayed to ALL parties on XX/XX/XXXX 3 weeks + after the appraisal ; They dropped the value of the house so now we are XXXX dollars over the value ; They treated everyone like it was our doing and not theirs ; At the closing they tried to have my girlfriend sign a document stating we were aware of the second appraisal and she was Ok with that action, and I did not get that same paper being co-owner ( we did not sign it ). This company treated us poorly, they change the appraisal without telling anyone, until it was to late to do anything about it. Although they paid the PMI everyone felt they were just trying to sweep it under the table so they did not get a black eye over it. And why add the paper in the signing to state it was Ok what they did, that made me think they did something very wrong.
My finance co. Is trying ito make me pay an extra year of escrow. Selene Finance said they can charge what ever they want. I do n't recall that being within the terms of my contract agreement when I got my FHA loan. The extra they expect exceeds my income limitations. It will bring me extreme hardships.
The last call took place on Thursday XX/XX/17 but they call at least once per week. The company is listed as EOS CCA ( https : //www.eos-cca.com/ ) and their phone number is listed as XXXX. I am not sure what they are calling about as they call during the day when no one is home. I had planned on reaching out to them on Monday ( XX/XX/17 ) to find out what is going on as we should not have any debt remaining. After XXXX their number, I found out several sites that mention them as scam callers. I would just like to get this matter resolved. Please advise.
We reached out to the bank as the over draft fees were killing us. Eating up all of our money as they charge you when your check is over drafted then charge you when they return the checks resulting in double fees. We talked to XXXX where checks were written and was told that they not send anymore in. Well they continued sending them in resulting in double overdraft charges by the bank. we talked to bank manager on XXXX XXXX XXXX XXXX Florida today to get no place. The lady who also worked with me was very rude saying not our problem you wrote the checks why are you again at the bank. Because was told by the bank customer service all the XXXX checks would be stopped and no more fees to be lied to. And then jerked around at the bank today. Then called customer service again tonight XX/XX/XXXX to be told not my problem. Well reason why we did this is my son was abused at the school district and have a bunch of expenses there fighting the school system. this is robbing without a gun and so very wrong. Have tried to reach out to both to get jerked around. I have been a customer since XXXX and to be treated this way is very unacceptable. Very upset As on XX/XX/XXXX we put a stop payment of them. I hadwrote a letter and talked to XXXX on the first part of the month to tell them to stopsending in checks we take care of themon the XXXX of the month. but yet on the XXXX XXXX deposited a check of XXXX {$35.00} fee on the XXXX insuffient funds {$35.00} return item so see the problem here and was told not to have any more go through by both agencies.
MY ACCOUNT WAS LINKED BY   XXXX   WITH   XXXX   XXXX   WHEN I OPENED AN ONLINE ACCESS TO REPAY MY LOAN. BUT WHEN I ENTERED TO THE SITE OF   XXXX   XXXX   TO CHECK THE PAGES WAS OUT OF SERVICE. I HAVE NO KNOWLEDGE OF ANY LOAN WITH   XXXX   XXXX   OR THE AMOUNT THAT APPEARS THERE. I HAVE ONLY A LOAN CONSOLIDATED WITH  XXXX  AND ALSO DOES NOT RECOGNIZE IT BY THE DAY IT WAS OPENED BECAUSE I WAS N'T ATTENDING COLLEGE AT THAT TIME. PLEASE REMOVE MY LIABILITY TO THIS ACCOUNT. IS AFFECTING MY  CREDIT SCORE  ALSO IT SAYS THAT IS CLOSE AND IS INCREASING  XXXX  DOLLARS EVERY MONTH.
I have disputed with the credit reporting agencies that they have not only my daughters addresses listed with my credit report, but also a woman who happens to have the exact same name as me. NOT THE SAME SOCIAL SECURITY NUMBERS. How can I have this information corrected? Because of this, there is a judgement against me for someone else, not my daughter, but someone else. I now can not get any credit for anything. This has been a long 25 or 30 years of identity theft!!! No one seems to give a XXXX. I am not going to pay someone elses debts!! I 'm XXXX XXXX XXXX!!! Can you help at all????
After being a customer for nearly 10 years with Bank of America and having multiple personal and business accounts in great standing, I received notice on the XX/XX/XXXX from BOA that all  my accounts will be terminated and that I have 21 days to withdraw funds. Shocked and thinking that it was some type of error, I went to my banker at our local branch and he said that he has no info and has no clue why I am being treated this way. I want to know why??? This does not seem fair or legal to me at all, please help!
I opened a Citibank Credit Card a few weeks ago. I received a temporary card number and was able to make purchases. I then received the physical plate in the mail. I tried to activate it, but the security questions they require me to setup in order to complete activation would only allow answers without two consecutive letters, but all of my answers had two consecutive letters. So I tried to restart the process to see if new security questions would come up. Instead my card was locked out, and I was asked to call to activate the card. I called, and was immediately routed to Fraud. Fraud told me that to verify my identity, they would need to mail me a letter in 7-10 days. I told them that I can not wait 7-10 days for  activation, and they told me there is no other option. They can not even expedite the letter. So I then asked to close my account, so I can open a new credit card elsewhere. They refused and told me that they can not take further action until I receive the letter in the mail, and then at that time I will have to call them back to verify my identify. All I want is to close my account, and they kept refusing. I even offered to wire them payment to XXXX out the balance. I asked multiple times to escalate this matter to someone who can help, and they said that there is no one further to escalate this matter to. I worked at a major credit card company for many years, and I know that there are ways to escalate matters. But they just kept on refusing.
fedloan only has XXXX fax number which I have been trying to fax over documents to them for over 1 month now and the fax number does not work. When I called they stated they only have XXXX fax number. For a company that services millions of loans & they can not afford a 2nd fax number is crazy. I have never heard of such a thing. I have tried faxing in the middle of the night to try to get my documents to them. I tried different fax machines. I have tried everything under the sun to try & fax them. While I was on the phone talking to them to complain about their fax number I had faxed them over 15 times & they were all rejected. That is crazy.
The loan servicer, Shellpoint has been charging me late fees each month for several years when payments are made each month before the grace period. I have contacted them numerous times to resolve this. It has never been resolved. I 'm now reaching out to the CFPB for help.
For the past 3 years, I have been receiving threats via phone call about how they are going to purposely damage my credit. I explained to them that the debt is not mine and is incorrect. They continue to call and send me emails trying to intimidate me and threaten me that will that they will garnish my pay check, sue me and will charge me the debt if they ever got a hand on credit card information. They also called my employer and embarrassed me in front of my work place and were making threatening calls to me at my job. I disputed the collection charge from all 3 credit bureaus but have not find any resolutions for the harassment and incorrect debt collection. They incorrect debt they are harassing me for and making my life a complete XXXX is for {$430.00} & {$190.00}.
XXXXXXXX XXXX has chosen this portal to intimidate me for their inability to provide a contract bearing my signature obligating me to pay the charge offs they are reporting on my CRs. Instead XXXXXXXX XXXX sends me receipts and checks XXXX my signature verifying the account. Against the law. XXXXXXXX XXXX did not indicate Dispute on my CRs 30 days after the original dispute letter dated XXXX XX/XX/2018. Violating FCRA. I am requesting that you enforce XXXXXXXX XXXX XXXX and Equifax and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX