WillisBack/dataset-financial-user-claim huggingface dataset:
Mr. Cooper mortgage company are the least competent and intentionally mishandled our disaster modification and later forbearance plan offered by the company after being affected by both hurricanes Irma and Maria.

In XX/XX/XXXX, given the sparse phone and internet service in the US Virgin Islands, we contacted Mr. Cooper a mortgage company who assumed the mortgage loan from XXXX XXXX. We went through the entire question and answer process and were told at the end of the call, " there is nothing more to do, we will be in contact with you. '' Several phone calls were made since Mr. Copper mortgage company did not send any confirmation, neither did they follow up on the request.

In XX/XX/XXXX, we made contact again and was offered by Mr. Cooper a disaster modification. XX/XX/XXXX we sent an email regarding the lack of follow up. They responded the same day advising us that our request was forwarded to a loan specialist for further review. We called and they offered the same statement, " there is nothing more to do, we will be in contact with you. '' On XX/XX/XXXX, a representative called and left a voicemail on my husband 's mobile phone. On Thursday, XX/XX/XXXX, an overnight package was received from Mr. Cooper. The letter expresses concern post disaster and claims of attempts to contact us. In bold print they ask us to call before XX/XX/XXXX.

We made the call this evening and we told by XXXX XXXX that our mortgage is in pre-forclosure. We were upset, and in unbelief since the phone representatives verify our mailing, email and telephone numbers with every contact. XXXX was rude to say the least and said the forbearance was just now being submitted.

1. We have Never missed a payment and have Never been late.

2. We have made 2 payments through our bank since the disaster modification and forbearance plan was ending according to what wee were told.

3. Mr. Cooper has never delivered on their side on either request.

4. No credit hits or late fees would incure. So how did we get in foreclosure?

5. We believe we have be taken advantage of and received " special treatment '' in that it takes Mr. Cooper almost eight ( 8 ) full months to process a standard request.

6. Mr. Cooper is showing our account as past due and it is NOT!

7. Mr. Cooper has blocked our account from being able to manage the account an disabled the payment functions.

We have been blatantly misrepresented by Mr. Cooper.

All of this needs to be fixed.

We were not comfortable when we learned that our mortgage was move to Mr. Cooper and all this craziness confirms their less than competent practices.

We expect the following : 1. Full documented clean up of our account and the mess that Mr. Cooper made within 15 business days.

2. Compensation within 45 days in the equivalent of mortgage payments for the 8 months we had to endure with little to no communication from Mr. Cooper.

3. Compensation of {$50000.00} for the stress, pain and suffering in receiving this news and causing a sleepless nights within 45 days of this communication receipt.

We went from a two income household to one and NEVER defaulted. This mess up is completely unacceptable.

XXXX. and XXXX XXXX
Dear Sir or Madam, I signed up for an American Express Delta Skymiles card about a year and a half ago. As part of the benefits of paying {$190.00} annual fee was the fact that I would be awarded XXXX ( XXXX ) on XXXX that would apply to my XXXX status ; for the first {$25000.00} spent on the card, XXXX bonus and XXXX would be awarded. And again at {$50000.00} of spend another XXXX bonus and XXXX would be awarded. I tracked my dollar spend online at the American Express website by following " My Year-to-Date Trends '' summary based on which I adjusted the use of this card versus other credit cards I had. At the end of the year, my " XX/XX/XXXX Year-End Summary '' listed " total spend across all cards '' of {$51000.00} for which I expected an additional XXXX XXXX and bonus miles ; I was awarded XXXX XXXX and bonus miles after I spent {$25.00}, XXXX earlier in XXXX. As I was concerned about missing out on the second XXXX mile award I in fact paid my credit card bill a couple of weeks early, at the end of XXXX XXXX to ensure there were no issues. 

After some time I had noticed that I had not been awarded the additional XXXX bonus and XXXX. When I contacted American Express I was told that my XXXX spend was {$49000.00}. I inquired into the discrepancy and was told my annual card fee was excluded from their calculation. I pointed out that the annual fee was only {$190.00} and that would not explain the difference. I also pointed out that I had adjusted my spend based on the claimed award policy and had left a cushion of over {$1000.00} and that I had in fact paid the credit card early so as not to run into any issues. Futhermore I mentioned that I had spent over {$1000.00} in XXXX of XXXX. I was told that a supervisor would contact me in a few days. However, after a few days, I contacted American Express again as they had not contacted me and was told the issue was still being explored. On XXXX XXXX, XXXX I was left a message that stated the online account " displays all of the charges on the account, but not all charges are qualified as spent. '' Given the vague response I contacted American Express again on XXXX XXXX, XXXX and was told items such as cash advances and gambling charges would not count towards the award calculation. I explained that I did not have any such items of expenditure and that returns on the card were reflected on the above " XX/XX/XXXX Year-End Summary ''. The representative performed a manual calculation of my expenditures and stated that my qualifying spend was " {$49000.00}. '' I asked again for the discrepancy between the online account and her calcuation, she was unable to determine the difference and stated a supervisor would contact me back. I asked if I could have a refund of my annual fee if I cancelled the card and was informed that I could not be refunded as I had been charged the annual fee more than 30 days prior. 

To date there has been no follow-up call. Thus I am writing to request the CFPB 's assistance. Thank you for your time and effort.
In XX/XX/2016 I called to downgrade my Citi ThankYou Premier account to a card with no annual fee. I did this before the annual fee was due on the Citi ThankYou Premier account. I was promised that the fee would be reimbursed and was approved for a Citi Double Cash account. In XX/XX/2016 I noticed the annual fee of {$95.00} was transferred from my ThankYou Premier account to my Citi Double Cash account. I called customer service in XX/XX/2016 and was again confirmed that the fee would be reimbursed/credited to my account. However, that was never done and my account went past due. Finally, in XX/XX/2016 the membership fee, late fee and interest charges were refunded back to me. 
I have excellent credit and the late payment that Citi is reporting to the XXXX Credit Bureaus is negatively impacting my credit score.
XXXX XXXX XXXX XXXX XX/XX/2015 This insurance policy was open fraudualtly with XXXX. I never owe a XXXX and a XXXX or the other individual on the policy. I have been goin back and forth for the past 6 month. they will not give me any information because I can not verified the account reason I don't no the address on the policy.
XXXX hard inquires still on my credit reports all from XXXX, XXXX/XXXX/XXXX. These are almost 2 years old. Also from same company on XXXX/XXXX/XXXX, and again on XX/XX/XXXX.Reports to all XXXX credit bureaus
Have been faxing since XXXX XXXX XXXX on loan, signed POWER OF ATTORNEY AND GRAND DEED TO XXXX XXXX both ON LOAN MODIFICATION APPLICATIONS!!!!!!!!!!!!
I had a {$50.00} google XXXX card in my Google WalletIt expired without notice and i lost my fundsGoogle should have alerted me when the card was about to expire as they do for a credit card linked to the Wallet, so i could use the funds
I have made several complaints with your company, Consumer Financial Protection Bureau. I am not satisfied with the way things have been handled. Complaint # : XXXX and XXXX. 

Chase Mortgage has stated that they have gone back and research their records. How can the target, Chase, check their own records. They should not research the records. We need a higher authority to audit Chase Mortgage. An uninterested party should be able to come in an audit Chase Mortgage. 

Chase Mortgage illegally foreclosed on my property while the loan was under consideration for a loan modification.
I have received several letters from BYL Collection Services LLC about an alleged debt that I do n't owe. I requested validation of this alleged debt and received some papers that do n't show any of my personal information such as Date of birth and Social security Number. I have relayed that information to this company but they continue to send me letters to settle.
I recently ordered my credit report from Transunion and noticed that there were a allmost a dozen inquiries that I did not recognize or authorize. 

XXXX XXXX XXXX/XXXX/XXXX *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the inquiries that are unauthorized and unrecognizable. I wrote a letter at the beginning of the month and sent it certified. I also called to speak with a representative on XXXX/XXXX/XXXX and he stated that there is not anything that he could to help me. I have put multiple fraud alerts on my account since XXXX and as recently as yesterday, XXXX/XXXX/XXXX for reasons exactly like this. I would appreciated if these inquiries are removed immediately.
on XXXX/XXXX/2015. i obtain a copy of my credit report and I saw an inquiry made by a company name mid america Bank XXXX XXXX I called the company in XXXX, but they refused to cooperate. The company has engaged in identity theft and has pulled my credit without my consent. I have not applied for a credit card, nor try to obtain any goods from this company. So I decided to file a complaint, The inquiry shows up onXXXX credit report.
As part of the Equifax hacking scandal, I was told that I might be impacted. As such, I 'm filing a complaint against Equifax for how they handled this situation and how they have not offered any sort of services or help for those who might have been negatively affected by their blunder. It 's the height of unprofessionalism and hardly seems legal that something like this should be allowed to happen without certain safeguards in place or without providing information on how to deal with this problem. Additionally, the fact that enrolling in their Fraud Check report system means waiving the ability to sue them down the road seems highly suspicious.
I requested a credit line on Wells Fargo, when the statements came the name of the account was wrong I assumed it was not my account and should not pay, I asked the bank to stop sending receipts that were not mine, after 6 months I saw my credit score and then I realized that the account was really mine, but the name was wrong. I paid in full after I saw it but my credit score is damaged now.
I am the mortgage owner. My mortgage modification is unaffordable, because I am on a fixed income, due to medical issues ( XXXX ). My wife is assisting me, but she has her own bills and she is not on the mortgage. My income is {$XXXX} per month, and I am not asking for a free mortgage, but a $ XXXX {$800.00} mortgage would be more reasonable then {$1200.00} that is currently being asked for. 
The property value has diminished, due to the current net present value and community down grade. My neighbor next door value is approximately {$99000.00}. We have been very patient with the Bank, by coming in a few years ago to speak with a representative, but to no prevail. We love our home and want to stay here. We are only asking that request be taken seriously, as being given a true modification for the benefit of the customer. 
I look forward to hearing from you to address the above concerns.
I got a XXXX loan in 2008 at security finance in XXXX SC. I made my payments and renewed at a later time. I finished paying the loan and happy ive repaid my 1st installment loan. I remember the first crew that were employed there was terminated for not putting the customers payments toward their account. I 'm not sure if its true but recently applied for a loan at security finance and was told I owe them 350.00+ so they denied me. I paid my loan off and its been roughly 8 years since I 've gotten a loan with them so I do n't have the receipts which I held for 3 years. I really need this balance off my report. Its hurting tremendously. I ca n't even get a glass of water on credit due to their bad actions that got them terminated. Thanks.
I have made several attempts to get Transunion to change my Tax Lien.. They were sent a notice to vacate. Please help me on this as well as the XXXX Lien is pad. Thank you and I will attache. The paper work. Thank you, XXXX XXXX
Wells Fargo Bank, is currently holding roughly {$2500.00} from me for about 1 year now. They told me they were holding my money because XXXX checks I deposited did not match. These checks were written and signed by my mother. My mom is willing to do whatever it takes to have this resolved as they are holding {$2500.00} from me which I could be using for college tuition. Wells Fargo then closed all my accounts with them. My dad was a joint owner on the account as to I was only XXXX at opening. Both mine and his name are black listed at this bank. 
The checks were cashed by Wells Fargo, and they were cleared by the bank they were written from XXXX.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX Account # XXXX ( Experian ), XXXX XXXX XXXX Account # XXXX ( Experian, XXXX, XXXX ), XXXX XXXX XXXX XXXX Account # XXXX ( Experian ), XXXX Account # XXXX ( Experian, XXXX, XXXX ), XXXX XXXX XXXX Account # XXXX ( Experian, XXXX, XXXX ), XXXX XXXX XXXX Account # XXXX ( Experian, XXXX, XXXX ), XXXX Account # XXXX ( Experian, XXXX, XXXX ), XXXX XXXX XXXX XXXX XXXX Account # XXXX ( XXXX and XXXX   ), XXXX XXXX XXXX XXXX  Account # XXXX ( XXXX and XXXX  ), XXXX XXXX XXXX Account # XXXX ( XXXX, XXXX  ), XXXX XXXX XXXX Account # XXXX ( XXXX ), XXXX XXXX Account # XXXX ( Experian, XXXX, XXXX ).
For one year i have disputed items and the companies were found to be wrong in reporting to bureaus and the accounts were removed then at a later time they report the same information putting information on my credit file. XXXX XXXX alon, XXXX XXXX, bank of America, XXXX
XXXX XXXX XXXX placed a collection - adverse account on my credit report on the behalf of XXXX XXXX XXXX. They state that XXXX XXXX XXXX deposited money into my account on XX/XX/XXXX in a checking account that I have opened since XX/XX/XXXX. They state that they deposited the money but could not get payment. That is not true!! Additionally, in XX/XX/XXXX someone filed taxes using my SS #. The IRS has since on annual basis issued me a pin to file taxes since they found my identity to be stolen. XXXX XXXX has never contacted me much less placed money in my account. There has n't even be an attempt to withdraw funds from my account or I would have definitely have addressed it. XXXX now refuses to provide proof of funds deposited into my account. XXXX XXXX XXXX states they have no information to give and they even have an incorrect email address for me. I need proof of the deposits and the attempts they took to withdraw the repayment of the loan through my checking account. If they ca n't provide proof it needs to be removed from credit report.
I have disputed a paid XXXX account with experian TWICE in the last 60 days. They continue to leave the balance on the collection even though I have sent them the attached proof of payment in XX/XX/XXXX. This is a violation of my federal rights.
I submitted a debt validation request to XXXX XXXX XXXX on XX/XX/2016 and when I tried to verify with a representative, XXXX, about the company receiving my request he told me that XXXX XXXX XXXX refuses to comply with the debt validation unless I give them permission to contact me by phone to discuss my account and continue attempts to collect the debt before proving this debt is mine. This is a violation of the FCRA.
There was pathology performed as part of a XXXX in XXXX of 2015. Apparently XXXX XXXX XXXX rejected the claim from the provider and the amount was immediately sent for collections. 
I was not aware of the issue until I received the first collections letter. 
I contacted the collections agency, the insurance company and the provider. Eventually the provider straighten the reimbursement with the insurance company however I continued to receive notice after notice from the collection agency even after they were notified that the matter has been settled.
I have been receiving repetitive calls all day everyday from XXXX XXXX. When they call me they always call private so the number never shows up and I know its them because Ive answered the phone on multiple occasions and it was XXXX XXXX. I get calls from them atleast 3-4 times per day. Its really annoying and they never call from a business number its always private.
Prior to consolidating my student loans I was reported as late in XX/XX/2012 although I was under a forebearance at that time. Navient confirmed the dates of my forebearance yet 36 individual loans continue showing with a false 90 day late. I have disputed these with the credit bureaus unsuccessfully. When calling the loan servicer I was told that the lates were under a previous servicer ( Sallie Mae ) and that they could not remove the falsely reported information although they ( Navient ) are the current servicer.
My assigned federal student loan servicer is FedLoan Servicing. I have been attempting to switch my repayment plan from the IBR plan to the REPAYE plan since XXXX 2016. FedLoan has made numerous errors and has neglected to process my requests over a period of over 6 months. The original request to switch plans was completed on the XXXX and XXXX XXXX XXXX website ( studentloans.gov ). Over a month later, I had not received any correspondence from FedLoan Servicing. After calling several times and getting various misinformation, I was eventually informed that they had received the request but were n't processing it until I called them to request to be switched. After several more calls and more misinformation, I was finally placed on a reduced payment forbearance so that I could make the single payment to get out of IBR and switch to the REPAYE program ( request completed on XXXX XXXX, 2016 ). Most recently, I made XXXX reduced payments ( after having been told I only needed to make XXXX XXXX, on XXXX XXXX and XXXX XXXX. I then received a bill for XXXX, due on XXXX XXXX and was informed that its because FedLoan did n't process the request prior to the expiration of reduced payment forbearance. This issue required another set of calls to sort out, with more misinformation. So, its been over 6 months and more than XXXX calls to FedLoan Servicing, with lots of misinformation and mistakes along the way, and the process is still not complete! My husband has loans serviced by XXXX XXXX and he was able to complete the process in less than 30 days. I do n't understand how customer service can be so discrepant between the XXXX loan servicers and have been beyond frustrated by FedLoan Servicing and the amount of time and energy required to make a fairly straightforward change on my account. I have been so unhappy with their customer service, I sincerely hope to receive a different loan servicer. This is incredibly unfair to me and probably lots of other people who have had similar problems with FedLoan Servicing.
I tried submitting extra payments to my account and was unable to get them properly applied to the loan that I specified. Navient equally split the extra payment across my three loans as opposed to applying the amount to the account with the highest interest that I was trying to pay off first. The staff at Navient was extremely unhelpful in getting this corrected. 

After a while, I finally got sick of Navient and decided to refinance. Based on the billing cycle, I ended up overpaying my loan. Getting Navient to refund the overpayment was difficult and took well over a month. This was extremely frustrating. The people I spoke to said that it just takes that long and that there is n't anything we can do about it.
I graduated from XXXX school with XXXX in student loan debt XX/XX/XXXX. To this date I owe XXXX. The loan is in my fathers name, with myself as a signee. At two different times I had to do a forbearance which had dug my student loan debt into a hole that will end up paying back almost double the initial loan by the time it is repaid. My father who is primary on the loan had to talk to a representative, at the time ( XXXX XXXX ), he was given the only choice which was a forbearance. Some time later I was back in the same situation not making enough to cover my loans and living expenses and had to take another forbearance. Talking with my father this was our only option. Recently I have heard of other people in similar situations. I found out there were other options like income based repayments. This was never an option years ago to our knowledge and feel like we were tricked into an option that would be in the favor of then XXXX XXXX and now Navient that would never allow me to get out out of this hole of debt. Almost a XXXX education that I believe was worth only a quarter of that. Ive looked at my statements on my account and the percent of interest paid vs principal makes an obvious statement that these loans were never meant to be paid back but to live on interest and keep the borrowers in debt for as long as possible. My payments are soon to go to over {$500.00} per month and at that rate will not be paid off until XX/XX/XXXX.
We are filing a lawsuit in the amount of XXXX $ against Citi Bank. They have failed to provide information proving ownership of the account and have not removed the account as it is Identity Theft from the credit Bureaus. 


Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You have VIOLATED FDCPA LAW for both and I will be filling proceeding with this lawsuit if you do not REMOVE THE ACCOUNTS FROM MY CREDIT REPORTS. IF YOU REMOVE THE ACCOUNTS I WILL DROP THE LAWSUIT.
When I signed up for my US Bank XXXX XXXX Credit Card there was a giant ad on the webpage promising me a " last night free '' benefit. More specifically, that benefit allowed a cardholder to receive his/her last night free when booking XXXX XXXX award stays of at least XXXX nights. Enticed by this offer, I signed up and paid an annual fee of {$75.00} in XXXX of 2014. Today, I got my statement in the mail and was told that this benefit is being eliminated effective in XXXX of 2014. I find this to be completely deceptive. US Bank heavily advertises a benefit, gets you to pay an annual fee based on that benefit, and then withdraws the benefit in the middle of cardholder year after the fee is paid. This is classic bait and switch and US Bank should be investigated for it.
XXXX XXXX is reporting inaccurate information on my credit report. XXXX XXXX was included in our Bankruptcy and they are reporting a balance. This is in clear violation of the Bankruptcy Law Act. Docket # XXXX & Docket # XXXX
I had been having difficulties with XXXX XXXX and suddenly get a letter from Midland credit management saying I owe them almost 4 thousand dollars because of a XXXX credit card with a limit  of only XXXX dollars.