WillisBack/dataset-financial-user-claim huggingface dataset:
We signed papers for a 30 year home equity line of credit, with a 10 year draw period which are interest only payments, then a 20 year repayment period with principle and interest payments. This Home Equity was signed with Wachovia ten years ago. We just found out our monthly payments are {$500.00} a month, not the principle and interest that we were told. So our home equity line will be paid off in 3 1/2 years, so my question is what happened to the 30 year home equity line? At the time of the signing of this paper work we were NOT told about the {$500.00} monthly minimum payment for the repayment period, we were told principle and interest and that it was for 20 year repayment term. When we found out about this we were beside ourselves, we would not have put us in this type of repayment position. Wachovia was not straight forward on this loan and did not explain to us the repayment of {$500.00} they told us just interest and principle only. Wells Fargo now owns the loan. When we found out about this issue we tried to fix it first by visiting our local branch which was no help whatsoever. The bank ended up calling corporate and handing me the phone to explain the loan that was giving to us. We were getting different answers from the customer service at Wells Fargo. We were told several times that we owe principle and interest payments on several occasions, then we were told that there is a {$500.00} minimum monthly payment for the repayment period. So, we tried to refinance an another home equity loan with a fixed principle and interest, only to find out that we were declined for a number of reasons. First because our home did not have the equity, which we highly disagree on and second, we owned our own various businesses for the last 13 years. Lastly, we were declined for having to much credit by owning our business. We also have a revolving business credit for our inventory. The underwriters never called to question anything or give us a chance to explain our current business model. The customer rep that called us to tell us we were declined transferred us over to the hardship department. On another note our credit scores are above XXXX, never missed any payments or had late payments on anything ever. We do not want to file for a hardship, first of all this is for late payments or missed payments and this is not true to us. This will show on our credit report as a hardship and lower our credit scores. Why should we be jeopardized? When the original loan was not explained to us properly and we tried to fix this with a refinancing of the original loan. We have not receive any help from Wells fargo, just phone transfers to the loan modification department. This must be resolved without loan modification.
On XXXX XXXX I submitted my mortgage payment through Caliber Home Loans online site. I have been paying my mortgage this way since I got the loan and I have never had any problems until XXXX. My payment was denied. I called and was told my account was closed. This information is incorrect. My account is valid and funds are available. I made my payment again on XXXX XXXX and again it was rejected. I called again and talked to a supervisor who was no help at all. I was told I could not have the phone number to their accounting department to try to straighten this out as they do not take phone calls! What? That 's ridiculous. How can you resolve an issue if you ca n't talk to anyone! I called my bank and they said a payment was never initiated by this company. I ended up sending a check overnight and I am still waiting to see the outcome of this " try '' which will be # XXXX now. I am concerned because everything I am reading on the internet it seems this is happening to a lot of people every XX/XX/XXXX. Seems to be too much of a coincidence to me. I do not want my account to be late or late fees added when I am doing everything I can to keep my account current.
I recently received a letter from Experian stating that the late payments on my credit report from XXXX XXXX XXXX are " Verfied. '' I placed a phone call to XXXX XXXX XXXX on XXXX/XXXX/2015 regarding the account listed above. I called to inquire about this account that is listed on my Credit Reports. I spoke to a Customer Service Representative. He informed me that XXXX XXXX XXXX does not have any record on this account with respect to any late payments.. 


How did Experian investigate this account with out any documentation? 



I spoke with Represenative XXXX XXXX out of XXXX, Az at XXXX XXXX XXXXOur conversation, which XXXX XXXX XXXX has recorded went something like this. 

XXXX : I got a lot of credit cards and I just wanted to investigate this item a little bit further. To check in my credit report and I do n't really remember this, is there any kind of ... It shows late payments on there, is there ... Do you have any information that you can provide me with to prove those late payments? I 'm just going through and doing some maintenance here on my financials and just wanted to research things a little further. 

XXXX : All right, let me see here what I can provide you with. I was just checkingto see if I was able to send out any statements or anything but this card had been paid off from quite some time. It does show that at XXXX time the account did go XXXX payments past due. 

XXXX : Is there anything that you can provide me with other than ... Are there any proof of that? 

XXXX XXXX : I 'm not finding any recent statements or anything that I could actually send out. Let me double check one thing here. 

XXXX : I do n't. I 'm trying to research this whole thing. 
XXXX XXXX : Okay. This is coming up on your credit report, how did you find out about this? 

XXXX XXXX : Correct, that 's when we show that it was opened and it was actually closed on XXXX 2010. It 's just that it may have been so long since it was actually paid off that we no longer have the records on it. I can see if there somewhere that I can go to find any information for you here. May I just place you in a brief hold? 

XXXX XXXX : Okay one moment. Thank you for holding XXXX XXXX I do appreciate your patience. Just checking to see if we have in the archives statement that I can possibly access to maybe send out those to you to give the information of the account. 

XXXX XXXX : Okay let me try again. Thank you for holding once again XXXX XXXX. I was just checking to see if I can access the information, unfortunately I was unable to. What I can do is I can reach out to customer service and see if they would have any access to the archive statement. 

XXXX : It sounds like you guys dont have the records any longer If you do n't have it then it must not exist because I actually spoke with customer service just now before you asking for the same information and they did not have it. 
XXXX XXXX : You did? 

XXXX : Yes. They transferred me to you guys. It sounds like you guys do n't have it. Okay, that 's fine. Okay, I appreciate it. I 'll just continue to research. Thank you. 

XXXX XXXX : Okay, all right thank you.
After being lied to by an account specialist and then disrespected by a senior manager. I have overdraft or debit card privileges, to be honest I have overdrafts my account a few times but have numerous deposits that are automatically deposited in my account every month, I use those overdrafts on my debit card when I absolutely just have to and generally it 's on a bill. I was never notified that Chase Bank had made the decision to stop this after this account has been open more than 3 years. I pay my dues and even more from their fees that they benefit from, I find this unfair and kind of discrimination towards certain customers.
Equifax released my data through insecure systems. All of my personal information is now stolen.
this is in regards to an XXXX credit card account # ending XXXX i called them early XX/XX/2018 to pay off my balance. After being transfered multiple times i was transferred to the collection department only to be told no one could take my payment and gave me # XXXX to call and pay. i called that # only to be told they did not have the account. On XX/XX/2018 I called XXXX again transferred multiple times again to be told they cant take my payment and to call XXXX XXXX XXXX. I calld XXXX XXXX XXXX  and paid them in full on XX/XX/2018. They did not give me a receipt. but did say it would update to a paid in full within 30 days. That never happened. Now as of today XXXX is reporting a " chargeoff '' to the bureaus reflecting a derrogatory on my credit costing me my home loan. I want this rectified as I do not have long and want to leave a clean slate for my family. This is horrible that my credit report reflects payments on time at 100 % for this company who I have tried to work with and pay since the summer.!!! This is unacceptable and demand this be removed from my credit file.
I took out an installment loan with Spotloan ( BlueChip Financial ) on or around XXXX/XXXX/14 in the amount of {$800.00}. They have debited {$130.00} twice a month since. My payments so far have totaled $ XXXX and I still have at least XXXX more payments left. Do I have any recourse with them in having them close my account and show paid in full? Or, dare I ask, receive some type of refund for paying such a high interest rate? In Oregon, there is a cap on how high of interest companies can charge on these types of loans. I did n't realize I would be paying so much more than my initial loan amount. I have not approached them yet to inquire about this directly. Rather, I wanted to find out my options. I want to clean up my credit and get to a point where I no longer need these types of services any more. But this loan has really put me behind in that plan.
I make my monthly mortgage payments to U.S. Bank Home Mortgage, XXXX XXXX XXXX XXXX, OH XXXX. I make efforts to pay my mortgage in time and also be up-to-date with my payments. My regular mortgage payment is {$1300.00}. 

I received from U.S. Bank Home Mortgage the attached Annual Escrow Account Disclosure Statement claiming that my escrow account is in shortage of {$1200.00}. The attached ESCROW SHORTAGE COUPON from the bank states that if I elect to pay the entire shortage amount, my new monthly payment will be {$1400.00}, effective XXXX/XXXX/15, based on an Anticipated Annual Disbursement. 

I then contacted the Customer Services of U.S. Bank to be clarified on the content of the Annual Escrow Account Disclosure Statement. I was then informed that my property tax was increased by the County that was why there is a shortage in my escrow account. I then made multiple calls to The XXXX to confirm if my property tax was increased. Each of the officers that I spoke with reported that there has been no increase in my property tax. 

Based on my findings, I responded to U.S. Bank with a letter titled, RE : Annual Escrow Account Disclosure Statement. I stated in the letter that XXXX reported that there has been no increase in my property tax. The letter is attached. 

U.S. Bank responded with a letter titled, Re : Loan Number XXXX, and insisted that I pay {$1500.00} as my new mortgage. The letter is also attached. The bank followed up with phone calls insisting that I make the new mortgage payment. 

The tax details of the property in question is attached as Real and Personal Property Tax for XXXX XXXX, MD. 

When I checked my credit report from XXXX, under Mortgage, it is reported that my Monthly Payment Amount is {$1500.00} instead of {$1300.00}. I have mailed checks of {$1300.00} each month to the present month of XXXX. The checks were successfully cashed by U.S. Bank, but my credit report states that the date of my last mortgage payment is XX/XX/2015. This can potentially hurt my credit score. 

I contacted an Attorney to help address this issue, and after reviewing all relevant documents, a letter was sent to U.S. Bank Home Mortgage from the Law Offices of XXXX, XXXX XXXX XXXX, XXXX. The Law office advised U.S. Bank that my property tax was not increased as claimed by the bank. The letter from the Law Office is attached. 

In addition, the Attorney advised that I bring this issue to the attention of Consumer Financial Protection Bureau ( CFPB ) ; and I humbly seek your help to address this issue, which will potentially protect me and many other innocent consumers from certain practices. 

I respectfully thank you for your time.
I have a card through Care Credit/Synchrony Bank. I recently fell behind on payments and was contacted from someone through them. I believe it was a collection agent. We setup a Hardship plan of {$77.00} a month. My account was showing a current balance due of around {$400.00}. The person I had spoke with let me know that my monthly payments will start right away at {$77.00} and the current balance showing due will continue to show on the site but that the {$77.00} will go in affect right away .... I went on the website to setup automatic payments of {$80.00} to pay towards my account since I was told my new monthly payments are {$77.00}. When my first automated payment was sent through. They ran my card for {$300.00}. I called Care Credit/Synchrony Bank to ask them what had happened and they told me the automatic payments run the amount showing due. I let them know about my plan I had setup of the {$77.00}. The person I spoke to told me I will be receiving a check in the mail to refund me that amount that of {$300.00}. I made sure to double check that I for sure will be receiving a refund and they assured me I will be. Then a couple days later I received a letter in the mail saying that the refund was declined. I called and explained the situation. They basically told me there was nothing they can do. If they refund me the amount it will show my account in past due status which is not entirely the case since I was told my account would still show that amount due but my monthly payments will start at {$77.00}. XXXX people I spoke with assured me information that ended up not being correct and I was a victim of that. I spoke with a supervisor and let them know of the information I was given and they basically told me there is nothing they can do about wrong information previously given out. If I would have known the amount of {$300.00} would have been taken out of my account I would have not setup the automated payments but I was told previously my monthly payments will start right away at {$77.00}.
My XXXX and XXXX mortgage is with Wells Fargo I struggle each month to make my payments to them. I am using almost XXXX % of my income to accomplish this. I have been requesting mortgage assistance going on 3 three years from Wells Fargo. Wells Fargo is encouraging me to be late on my mortgage in order to give me assistance, however, the definition of imminent default I believe I meet ; My income is XXXX a month ; my total payment is {$3400.00} I have a little over {$2000.00} in the bank, the threshold is {$25000.00}. I do not trust Wells Fargo they have shown zero interest in my struggle to keep my home.
I had a modification with Bayview Loan Servicing, I completed the trial payment period making all payments on time. As I was waiting on them to convert the mortgage to a conventional loan they did a title search were they found a lean for child support. This Lean is not valid and was not found by other title searches done on this property, or other mortgages that I have had. I even have a court order stating that I didn't owe child support, which they said did not prove anything. Bayview also will not return phone calls, or even make contacts with me about my modification. I have also received a letter stating that they are reconsidering my old modification based on the court document, and a decision was to be made by XX/XX/XXXX. As of today XX/XX/2018 there has been no decision. I believe that they are using stall tactics to take my house, and violating the modification law. I have also filed a complaint with XXXX XXXX pertaining to Bayview.
I am writing in regards to a mortgage payment that was reported as 30 days or more late on my credit report. The payment was due on XX/XX/XXXX. The payment was made online, during regular business hours, on XX/XX/XXXX. However, the payment was reported as more than 30 days late on my credit report, which is negatively affecting my credit report. I attempted to contact Towne Mortgage Company by phone to discuss this situation and was told that I have to put my concern in writing. I emailed my concern to the email address provided on XX/XX/XXXX ; with no response. Is it legal for this company to incorrectly report the payment date?
Original creditor/Seller : XXXX XXXX XXXX Debt Buyer : Portfolio Recovery Associates Balance {$430.00} I checked my credit report and noticed I have a collection from " Portfolio Recovery '' I did n't recognize. I never did business with this company, nor do I have a contractual obligation to pay them. I disputed the debt with all 3 credit bureaus and the debt came back validated. Portfolio sent me a letter in the with with an online statement/screen shot of a bill from 2014 from XXXX XXXX saying this validates the debt and the debt was charged off. I asked Portfolio Recovery in 3 different letters for them to send me a copy of the original contract with my signature, proof that they legally own the debt, assignment of purchase from the original creditor and full chain of assignment. They continued to ignore my request and keep sending the same screen shot bill. With all this fraud, scammers and computer savvy hacks out here, anybody can generate fake documents. I 've sent letters in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and they continue to send the same screenshot bill/statement. 

Thank you.
XXXX - XXXX XXXX XXXX XXXX contacted me with a request for full payment for an amount due on my PayPal account. I closed the paypal account and have made regular payments to PayPal. The account is not behind and is in paid each and every month.
When I signed up for XXXX I agreed on a one year contract that was what the lady said on the phone with me. I never missed a payment the whole year and when I decided to cancel due to the fact that it kept going down they said I had to pay a fee for not staying with them for 2 years. I called and disputed that till the guy on the phone got very vulgar and demanding.
I am resubmitting my claims from a previous complaint from case XXXX and XXXX XXXX. I thought this was a XXXX card but it said Bank of America. I went back and looked at my credit report to see if I had any judgments for a Bank of America card and I do n't even see that I had a judgment or even ever had this card! I have never had a card in this amount of almost {$14000.00}! This law firm sent me a letter telling me they had been sold my case and would be reviewing it and now I am getting a garnishment summons!!!!!!!! I will sue everyone, if they do not correct this now! I have already contacted a lawyer. I never received a judgment or notice that they would be garnishing my bank account. And now I get this summons!!!!! This should be fixed immediately.
On or around XX/XX/XXXX17 I noticed a account from XXXX XXXX XXXX # XXXX, # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, I do not recognize this account as being mines. I have no contract information or any paperwork for my review. I believe these accounts are in error please delete.FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY please follow up in writing the This is the second time I have filed a complaint over this issue.
XXXX obtained a default judgment on a debt that was never verified prior to filing. At no time was I given any proof I owed money to Chase. The default judgment is now for {$15000.00}, when the original principal balance as per the paperwork in the judgment was only {$3300.00}. I am being told by XXXX my checking account has been frozen due to a levy being placed on it for {$30000.00}. Now our mortgage payment and any of my other monthly bills can not be paid from this account. Chase sold this debt in XX/XX/2008 and it was transferred 3 times, the last of which was XX/XX/2008. The case was in and out of the courts for 4 years, they kept postponing or not showing up. Now I have no access to my only bank account and need to pay my bills.
They sent me a report/letter that said they were collecting {$4200.00} from XXXX XXXX Private Label, which is not true. I 've never heard of this company and do not owe this money. I have exemplary credit and even checked my credit report to make sure and this is not on there.
There is an account with XXXX XXXX XXXX that is now closed. The account was open in XX/XX/XXXX but it says XX/XX/XXXX. The account was supposed to have been removed but keeps appearing. I requested for it to be removed and its still there.
I purchased a set of wheels for my XXXX in XXXX of this year. The wheels arrived damaged, I sent them back. The reshipped me the wheels only to arrived damaged again. The business asked me to send them back yet again. They provided me with shipping kabels which I attached to each of the 4 boxes and sent back to the conpany on XX/XX/2018. After the company received the wheels back they refused to refund my money. I contacted Discover Card which I used to purchased the wheels and started the claim. I provided the tracking info which showed the merchandise was returned and signed for. after 60 days Discover denied my claim stating no return proof. I called and spoke with a supervisor and provided the tracking info again, even uploading it to their website. They assured me that was all they needed. Fast forward to The end of XXXX and they reverse the charge again, i call yet again and again they claim i never provided proof of the return. Its clearly on the Discover website under uploaded documents. Now since it has been more than 120 days the tracking links are now dead, as XXXX only keeps records for 90 days. I spoke to the corporate office of XXXX who stated they cpuld see where back in may the tracking had been verified by a manager during my call, they would take care of it. I receuved a phine call today from them stating they are not revera8ng the charhe and I now owe XXXX for a product i sent back 6 months agao and I shpuld call the merchant and resolve it with them. They now are expecting me to pay {$4000.00} to them for something I semt back 6 minths ago!
On XXXX XXXX I received my annual credit report from Transunion credit reporting agency. My report showed two items that I had no knowledge of. Both of these items were from XXXX XXXX. I called XXXX on XXXX to report that these items on my report were not mine and I had no knowledge of until I received my credit report. The person I talked to promised to have these items removed from my credit report within 7 days. I also called Transunion on XXXX XXXX, I talked to XXXX and advised him that the two delinquent items from XXXX were not mine. He said he would check with XXXX. Transunion subsequently sent paperwork that stated these items were verified as accurate. I called XXXX again on XXXX XXXX, XXXX. I talked to XXXX. She promised to have these items removed within seven days from XXXX XXXX. A few days later I called XXXX again and talked to XXXX. She said she could n't help me and sent me to XXXX who said I would have to talk to XXXX. XXXX said that all I could do was file a police report. I asked if he had a supervisor or boss. He said he did, and I asked to talk to his supervisor. XXXX hung up on me. 
I have been a XXXX customer since XXXX. I have never been late with a monthly payment. 
On XXXX XXXX, XXXX, I went to the sheriffs office in XXXX, Washington. I talked to XXXX XXXX XXXX. I gave all the information and paper work I had to XXXX XXXX. The results of the XXXX XXXX Sheriffs is included with my report. 

XXXX XXXX