WillisBack/dataset-financial-user-claim huggingface dataset:
SLS Loan Servicing is the worst company around. I have a Heloc that the interest only period was ending on XX/XX/XXXX, so XX/XX/XXXX, they sent letters offering a modification and explaining it was shifting to a principle and int. payment and that I needed to send in like {$880.00} by XXXX or the deal was off. I signed the letter and sent a cashiers check. ( as I was fine with this ) Then, out of the blue XX/XX/XXXX. I got another letter saying the same thing, that I was being offered a modification and to send money, etc.. I called them and they were like, 'oh, yes, we see you sent this in already, we 'll take care of it '. We then noticed online that we owed {$1400.00}! Then also in XX/XX/XXXX I got another letter now offering to modify it again ( 3rd time ) and this time keep it as an interest only payment for 5 more years, so naturally that sounded better than the previous XXXX offers, which I thought were already in effect, but never appeared to have taken root in their billing system. So, I called again, after that first call then ensued 2 full weeks of about XXXX different SLS people calling me back and each one was as clueless as the first caller as to what was actually going on with the modification or what took place starting XX/XX/XXXX. Now, my principle balance seems to have gone down, so hopefully that original {$850.00} was applied to principle, but there is no way to check or to verify this. Also, no one could tell me how they were calculating the interest and coming up with the payment they were now telling me was due ( well over {$1000.00} for some reason ). Even if they had switched to a principle and interest payment at the original index plus the margin the amount they were saying was due could not be calculated on any amortization calculator for XXXX amortization, and I work in the mortgage industry so I do this on a daily basis. So, it appears they are most certainly over billing me on interest and can not seem to figure out the payment structure nor the modification or when it goes into effect or if it ever will. The last guy I spoke with said that it should all be fixed now ( about 2 weeks ago ), but my wife just went on line and again their website is showing we owe {$1000.00} again ( the payment at int. only should be about $ XXXX/mo based on {$97000.00} and Prime plus 1.75 % or 5.25 % interest only ). This amount does n't even equal two payments ( if we happened to have missed one, etc ... ), so again, they are full of it and the most clueless company I have ever dealt with in my life and I 'm over XXXX yrs old. I went online and there is no less than about XXXX reviews all slamming SLS to no end and many, many similar stories to mine. They need to be stopped and put out of business or fined heavily as I 'm sure they are ripping off the public to no end. 
Thank you, XXXX
I paid in agreement with the settlement with XXXX XXXX and Capital One on XX/XX/XXXX. The reps that I spoke to and paid agreed to update my account as paid in full. I need this done asap!
Public Records XXXX XXXX XXXX Superior Docket # : XXXX XXXX XXXX XXXX XXXX. XXXX, CA XXXX / Date Filed : XXXX/XXXX/2009 / Type : Civil Judgment Ph. ( XXXX ) XXXXCurrent Status : Paid / SatisfiedXXXX XXXX Court Docket # : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. ( XXXX ) XXXXCurrent Status : Paid / SatisfiedXXXX BANK # XXXX / Current Status : Consumer reported ; not my account? 
XXXX XXXX XXXX, # XXXX / Current Status : Consumer reported ; not my account? 
XXXX XXXX XXXX, # XXXX / Current Status : Consumer reported ; not my account? 
XXXX # XXXX / Current Status : Consumer reported ; not my account? 
XXXX XXXX # XXXX / Current Status : Paid in Full / XXXX Balance
I had a Walmart credit card I would use it and pay it off to help my credit score then I stopped using it for one month after I paid it off and when I tried using it they said the card was no longer active. When I called they said I had n't used it for a while so they closed my account and if I wanted I could re-apply but when I asked if I re-apply does that mean it checks my credit again she said yes so to avoid another inquiry I did n't. But I do n't like how they closed my account without even telling me just because I had paid it off and not used it.
SYNCHRONY FINANCIAL / GE Capital Retail Bank / Care Credit I had opened an account through my XXXX office with Care Credit in XXXX, I also co-signed for my wife 's account with for the same purpose at the same time. During the course of payments in XXXX GE posted pymts to my wife 's account, as opposed to mine, in the months of XXXX, XXXX & XXXX of XXXX. 

In XXXX of XXXX I spoke to them and they had in fact seen the error. I paid the account ( XXXX ) off in full XX/XX/XXXX to avoid any further issue. I was told by their rep, at that time, that I would receive a credit of XXXX for the late fees placed on the account due to their error ( which they applied on XX/XX/XXXX, and that the late payments showing on my credit report would be corrected. Actually, they said that the account would be bulls-eyed and that I should no longer see the account on my credit report after XX/XX/XXXX. I don't know what Bulls-eyed meant, but I was assured it would be corrected. The account had not been reported to the three major credit bureaus after that time as the last reporting was in XXXX. 

Unfortunately, after paying for credit monitering with XXXX, I noticed the account was still showing incorrectly on my credit reports and asked for an investigation. Now after 2 investigations, and a whole lot of the blame game and which entity is responsible ( I was told - call the creditor - no - call the credit bureau ). And after showing proof of my claim, I still can not get the information to get corrected and Synchrony Finanancial, whose rep 's have been extremly rude, and XXXX, whose rep 's seem to read off a pre-talking point memo, are refusing to correct the information. 

This is severely affecting, my otherwise, perfect credit, through no fault of my own.
This is a utility account open XXXX XXXX. I did n't open this account, however I paid it in full in the early months of XXXX, I believe it was around XXXX or XXXX XXXX account had an outstanding balance of {$71.00} dollars. I paid it because at that time I was buying a house and it was an outstanding negative balance on my credit profile. 

The credit agencies are still showing this as an negative account. I disputed this account with the credit reporting agencies and I guess they must have contacted the utility company and the company says this account is still showing not paid and as a charge off.
XXXX has recently changed an account on my credit report from a closed status to and open status, this account has been closed and was assigned to a collection agency by the name of XXXX I finally have had my credit report free of this collection and account now its reflecting as an open collection account and should be removed.
On XX/XX/XXXX I notified Amerihome that I have paid my homeowners Ins renewal for the year. Amerihome notified me that the loan type requires my homeowners insurance be paid thru escrow and that they would return a check to me in the amount of {$980.00} for the annual payment that I made since they would be paying the renewal.

Over 7 calls, speaking with supervisors at Amerihome, only to be told a different answer each time when following up with the check. Supervisors have said it would be mailed out in 3 days, it would be overnighted, to no check was going to be issued. A supervisor is always scheduled to call and follow up per the request in 24 hours. I have not received 1 phone call. This is my first 2 months with this lending company and it has already been off to a horrible start. It is impossible to get any resolution. I am beyond frustrated after 7 attempts and no follow up from Amerihome as they said they would.
On XX/XX/XXXX I checked my credit report on XXXX XXXX and I had a total of 19 collection accounts & 4 hard inquiries removed from my report. I checked my account again on XX/XX/XXXX and I saw that all 19 collection accounts & 4 hard inquiries were placed back onto my credit without sending me a reinsertion letter as required by FCRA section 611. I have called XXXX several times since the incident to try to get this issue resolved but I have not received any help. Reps wo n't assist me nor will they transfer me to the fraud department telling me that they know what happened but they ca n't help me so basically it 's too bad & that I should file a complaint because they wo n't fix the issue. I have faxed proof that I was affected including screenshots of the removals/re-entries to XXXX but they continually say theyve not received anything from me. Since then I have successfully had the original creditors remove some of them from my credit file after theyve confirmed and validated the accounts as false. Also since then, XXXX has added a recording that can be heard when calling their toll free numbers ( XXXX ) XXXX & ( XXXX ) XXXX explaining and admitting to technical issues taking place on the dates between XXXX XXXX & XX/XX/XXXX XX/XX/XXXX that affect account and inquiries being removed and added back on.
During XX/XX/2017, XXXX XXXX negotiated with XXXX - XXXX regarding my outstanding balance. An agreement was reached and I have been paying my payments monthly since XX/XX/2017 without any interruptions. However, XXXX is showing my account as a charge off even though they are currently taking and receiving payments for my account. This is causing stress and time to continually go back and forth with XXXX that I hired XXXX XXXX XXXX to help. To this date, XXXX XXXX XXXX  have not been successful either. Please resolve.
I believe they purchase a credit card debt Portfolio Recovery have been harassing me with phone called, since 2013 to date I even change my number they obtain my new number illegally and continue to harassed me after I repeatedly asked to stop put me on a do not call list, thet continue to from endless different number I usually put them on my block list they just continue from a new number all time off the day and night. PORTFOLIO RECOVERY NEED TO STOP HARASSING ME. PLEASE. THIS WAS THE LAST NUMBER THEY CALLED ME FROM XXXX
I submitted a dispute to Synchrony Bank regarding an appliance purchase I made from XXXX XXXX. Synchrony asked me for no information and said they would be in contact to let me know where to send my documentation. Approximately one month later I received a letter stating they had contacted the retailer who had provided them with documentation that the charges were valid because the unit was in " perfect working condition '' based on an inaccurate assessment from an unqualified servicer. This servicer 's assessment was disputed and a second servicer was sent to my house who did identify and issue with the unit, this is on record with XXXX. However, the merchant stop responding to my requests on XXXX XXXX. I have since sent numerous requests to the merchant without a response. The merchant has also falsely reported all of this information to Synchrony Bank using the documentation from the first service provider as evidence. It has been determined by Synchrony Bank that I am responsible for this purchase based only upon the merchants limited documentation and Synchrony Bank did not reach out to me to let me know where to send my documentation which extends beyond what the merchant provided.
AMERICAN HONDA FINANCE View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Auto Loan Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid, was past due 30 days two or three times Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Original Balance {$19000.00} Monthly Payment - Past Due Amount - Highest Balance - Terms 72 Months Responsibility Joint Account Your Statement **CONSUMER STATEMENT** CO-SIGNED FOR THIS ACCOUNT. I WAS NOT ADVISED OF THE NON-PAYMENT OF THIS ACCOUNT. 
Comments - Contact Information XXXX XXXX XXXX XXXX, GA XXXX
I purchased a ring through ebay and used paypal to send the money. I received the ring and saw right away it was not the same ring that was described. I contacted the seller who denied the allegations then said I could send it back if I paid for shipping. I refused to pay for shipping since I got lied to then the seller rescinded the offer to return the ring and basically told me to go take a hike. I escalated it through pay pal and then 1 hour later paypal without even contacting me or doing any investigation nor allowing me to upload documentation closed the case. I tried dealing with them and I just got the same impossible auto bot reply telling me to upload my documentation. Despite there being no way to do that and no way to contact a real person. I googled my issue online and found that this is a huge issue with paypal closing cases and doing no investigation and telling people to uploads documents to a non existent place online. Then basically doing nothing and giving fraudsters online free money.
I called the number on my answering and gave the reference number, and it is not for my family. I informed this " XXXX XXXX '' at the number that I did n't know the person the debt belongs too. I also informed her that since this is a recorded line, that I have ask in the past 6 months for them to remove my phone number. Obviously, it has not been done, still.
My landlord and I settled our difference last year. I am still living in same apartment. the investigators from credit bureaus ( equifax XXXX ) go to courthouse and view all public records and make their own interpretations of what is read. My particular case says it is closed and status is settled. The investigator took back to their office that their is an open judgement against me in the amount of XXXX and this was placed on my credit report and caused my scores to drop XXXX points. I have to dispute the validity of this entry and this can cause havic in a person life based on what is going on.The dispute process can take 30 to 45 days. Business deals can be lost because of this erroneous judgement call. There really need to be changes made on how information is provided on an individuals credit report since so much weight is placed on the credit report.
I had some services with XXXX, i recall when i started services, they where going to spray the outside, any entrance to the house. and also removed any spiders webs on the outside of the house. when the first appointment happen they did n't not do the things they mentioned as far as removing the outside spider webs. to my knowledge there was a pre scheduled for the next three months. they never showed up, supposedly they called. please note this has been a while ago. As of yesterday i got an email that this acocunt was turned in to collections for {$50.00} dollars. i dont even know how they got my SSN #. The collection company is Thunderbird Collections Specialist. i have contact TCS INC, and paid the debt and requested to be taken out of my credit. Now my issue is how did XXXX get my SSN which i do not recall giving it to them. 

Please note, this complaint is against XXXX and not towards TCS Inc.
I was told by a Naivent representative that the only way out of my student loan was to XXXX. The reason for my call was to renegotiate the terms of my 11.75 % interest rate on a student loan that has tripled in size due to interest.
Navient has added and removed my student loan from my credit report. It reports negative XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. This caused my scored to drop almost XXXX points. Now it shows improved account went from derogatory to current XXXX. There has been no change in status if this account. It was in forbearance due to me having XXXX. The agency does not consistently report the account. The information is incorrect and they are not fairly reporting it. As my score increases or when an inquiry comes in they seem to report it as derogatory but then make an adjustment showing its current without notifying me.
I am very concerned about the validity and accuracy of the recent investigation done by Transunion..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Transunion failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.. XXXX XXXX XXXX, XXXX XXXX XXXX,
I am going to upload a copy of the letter that I sent to Equifax on XX/XX/2018. They have not responded to it yet.
XXXX, and its law firm XXXX ( now known as XXXX ) in 2007, filed a foreclosure complaint, verification and attachments based on false, misleading, deceptive, forged signatures of attorneys, signed by non-staff employees in the authorized practice of law ( which is a crime in Pennsylvania ) to proceed in foreclosures, including foreclosures of my properties. The bank and its law firm at the time, knowingly and intentionally authorized non-attorney staff to prepare, verify and sign the attorneys ' names without any review by a legal competent attorney at the firm. These non-attorneys signed writs of execution, false notary witness and verification of assignment of mortgage and other pertinent legal documents used to litigate the foreclosure in the courts. This deception was recently discovered and upon review of the complaint, verification, assignment and other documents, I became aware of the scheme to defraud me of my property, through an illegal and improper foreclosure. In a deposition of all the partners of the law firm, they admitted that they never prepared, reviewed, verified or signed the complaint at any time, neither at the commencement or throughout the proceeding. The law firm and XXXX XXXX are debt collector in violation of the FDCPA, various Federal and Pennsylvania statues when the illegal foreclosure was filed into the court, thereby perpetrating fraud on the court. XXXX claimed legal interest by assignment, but did not have an assignment until after a default judgment was entered. Still no proof of evidence as to the legal standing of XXXX XXXX ( debt collector ) as the debt was in default at the time of its alleged assignment of mortgage, which is questionable. Documents including the assignment has forged signature of attorneys as well. Due to this deceptive and unconscionable act, any judgment obtained illegally is void. I have attached a full complaint and other documents providing the sworn deposition and testimony of the attorneys, their admissions, documented evidence of their admissions with exhibits of forged signatures in my foreclosures, as well others filed and recorded into the Pennsylvania courts.
Green Tree Servicing added an escrow account right after they bought the mortgage from XXXX in XXXX XXXX without any right or notice. Mortgage was originated in XXXX XXXX by XXXX with P+I only. Taxes and Insurance were always paid on time by borrowers. The amount was almost XXXX that we always paid. We called several times through out XXXX months periods and sent certified letters. We never received a response. We sent more than XXXX thousand ( {$5000.00} ) extra, but the statements never reflected it. As of today there still misapply funds to our account. At one point we decided stop sending payments due to the mismanagenmet, misrepresentation, contract violation, etc. Green Tree started making nasty calls including at place of work several times. They promised a loan modification that never happened after we paid XXXX months trial by XX/XX/XXXX. Right after they filed for foreclosure. We responded to XXXX XXXX County, Florida court house in time every time. We showed up at the hearing XX/XX/XXXX when the judge ordered having a Conciliation conference call which we had and Green Tree and his lawyer confirmed having all paper work and promised to send a modification which never happened. We provided enough proof to the court house and Green Tree of the mess had created. I hope this will help in the process of so many victims of Green Tree and CFPB along with other government entities to settle a case against Green Tree. Green Tree should NOT have a license to operate.
BETWEEN XXXX XXXX,2017 THRU XXXX XXXX,2017 I HAVE OVER XXXX UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT I SENT LETTERS TO ALL .AND ASK TO BE REMOVED FROM MY CREDIT FILE. IF YOU SEE MY CREDIT FILE YOU WILL SEE I HAVE HAD FRAUD ACTIVITY BEFORE ON MY ACCOUNT WHERE I PROVIDED A POLICE REPORT. PLEASE REMOVE FROM MY CREDIT FILE THESE UNAUTHORIZE INQUIRES
I filed a complaint on XX/XX/18. File number XXXX. There response was to retaliate by quadrupling my minimum payment. In addition, they charged me for a second time, a transfer fee, and yet again charged me interest on my account. At what point does, CFBP step in and fine them for this?
My student loan was being handled by a company called XXXX and was taken over by XXXX. Between the transfer my XXXX, XXXX, XXXX and XX/XX/2018 payments went missing. They eventually credited me three of them but one payment is still missing and they have made me jump through so many hoops trying to get it back. I had to get documents from my bank and do conference calls with my bank. They made me contact XXXX  multiple times which has been shutdown and does not have any staff to help. They promise and promise and promise to " look into it '' and call me back in " 2-3 business days, '' but no one follows up. I get a different story every time I call. Ive been told that I can only get a credit to my account and I have been told that it can only be issued by check in 3 weeks. But nothing ever shows up in my account. No check is ever mailed to me. 

I feel helpless and I have to keep sending them money every month with absolutely no recourse. Can you please help me? I am sure there are a lot of other people who are having the exact same problems due to their switch over.
Wells Fargo has foreclosed on my mortgage loan and is trying to take possession of my home without having given me the proper opportunity to modify the loan ; nor did they submit subsequent notices as required by law ; and they used Atty. XXXX XXXX an employee and attorney for XXXX XXXX XXXX claiming to be a XXXX representative to fraudulently assign the property ( ROBO signature ). 
Though I have taken this complaint to Appeals Court, the issue was never answered in response to my original complaint : That nothing in Wells response shows they qualified or considered me for XXXX ; Wells violated the consent agreement made with the Dept. of Justice and Illinois XXXX, XXXX XXXX 's office which is supposed to require them to attempt to keep me in my property. 
Wells mislead Consumer Finanace Protection Bureau in their response to my complaint ( CFPB Case # XXXX submitted XXXX/XXXX/16 ), and Wells did not answer the fact that no XXXX modification had been attempted, and Wells representatives did mislead the Court when they fraudulently assigned the loan. They need to produce the assignment. 
They do not comply to the consent order made by the Justice Department. Wells simply says in their CFPB response to my complaint listed above : " we 've determined your account was handled appropriately and no adjustments are needed. '' Will the CFPB make them answer the issues of my complaint, or simply take Wells Fargo 's word for it accepting their side of the story and my complaint just goes away? I am in jeopardy of being displaced with my children and another family, living with the threat of the XXXX coming.