WillisBack/dataset-financial-user-claim huggingface dataset:
In addition to my first complaint I wish to add this information. On XXXX/XXXX/15, after supplying Contour Mortgage with the last of the requested documents, which was an updated bank statement and gift letter. Contour Mortgage informed my loan officer, XXXX XXXX there was more documents and inspections that needed to be done. Well I also found out that XXXX XXXX was not XXXX certified. In my state of aggravation Contour Mortgage I proceeded to make phone calls my way from XXXX XXXX to XXXX XXXX then finally, XXXX XXXX XXXX. After speaking with XXXX, who said he was the person in charge of XXXX and the underwriter XXXX XXXX ), he made it perfectly clear that my loan was locked in and he would go over my loan file to make sure it was processed expeditiously, because I had advised him of the XXXX XXXX 2 ) extensions that had already been made with the seller and we were now going into the third extension with the seller ( HUD XXXX and there would be added expenses relating to this extension. On Monday, XXXX/XXXX/15, I called XXXX to find out how things were moving along and he said he would get back to me by the days end, which he did not, but I did receive an email from Contour Mortgage through XXXX XXXX. In this email there was a PDF attachment which states the new and " XXXX '' Conditions ( Prior to Approval XXXX. In the conditions it said I, ( the buyer ) needed to provide contractor estimates for Lead based paint, electrical, and HVAC system. These estimates have been provided and there is a lead disclosure and credit for work to be done. Also, the utilities can not be turned on to provide an inspection, because the repairs have to be done first, which there is an estimate that was provided as well. Contour Mortgage is also asking that the new estimates they want, MUST come from contractors that hold a valid license and XXXX policy and have Contractor Identity of Interest Certification etc, etc, etc. So, the requested documents I needed to provide went from XXXX to XXXX in a matter of a couple days. I am able to provide a PDF copy of the final demands that Contour Mortgage is requesting. All the information they are asking for was information they had in hand at the beginning phase of this loan application. I am upset they have me jumping through hoops that seem to never end. I can not seem to satisfy the underwriters requests. I have read others reports on the XXXX web site and found there have been others who are dissatisfied with Contour Mortgage Company. My realtor and I have been transparent through this process, but when we ask questions and demand answers, Contour Mortgage employees never answer, never return emails or phone calls or simply put, do n't have the answers, other than a XXXX loan has many steps.
On XXXX/XXXX/2015 I received a refund check from the Pennsylvania treasury in the amount of {$2500.00} via regular mail. I attempted to deposit it into my joint check account with my wife using Etrade mobile application check deposit. Initially it went thru but later I noticed that the bank rejected it and charged me XXXX and upon calling the bank and asking why they told me that the check was considered 3rd party based upon my last name being first and first name being second. I was advised to just mail in the deposit with a deposit slip which I did. Etrade bank received the check on the XXXX/XXXX/2015 and I noticed that they did not deposit it, after calling, emailing and more calling I was advised that the check is still considered a third party because my last name is first and that due to new banking laws they can not deposit it. I was told to fax them a letter of instruction changing my name on the account and then they maybe could deposit my check. I provided a letter of instruction citing that my name is as it appears on the check with the last name being first. I was told that the check name needed to be changed in order to process it. I called Pennsylvania Treasury and was advised that this is something that they do not do and that all checks are issued with the last name first. I advised the bank of this and was told that there is nothing that they could do. Etrade bank also refuses to return my check citing they must hold it for 20 days before returning it. In the meantime Etrade bank is hitting with service fee 's in the amount of XXXX each and to date there are {$300.00} in fee 's that they hit me with because they refuse to deposit my check. I have also been charged XXXX for the rejection by the mobile application. I do not have access to my funds and Etrade refuses to return the check.
SYNCHRONY Bank/Amazon I place an order with XXXX in XXXX, I returned the defective item XXXX XXXX, Amazon received the item on XXXX XXXX but never issued a refund to my credit card. I called the card company today wanting to dispute the charge the bank told me they wo n't do the dispute and to call Amazon. Today I have been on phone with the bank and they said call amazon. I was on with Amazon they said call Synchrony bank. This happened about XXXX times today. I did close my account with this bank behind this issue. I paid the all the bill except {$53.00} the amount of the credit I am due.
I had my account locked for no reason by NetSpend. I sent in all the accepted documents that also had to be within 30 days. My bank statement was dated XXXX/XXXX/2015. And I then got an email 5 hours later of faxing the information stating it was not within 30 days. I have {$5400.00} in that account and proved who I was multiple times.
Central Credit Services LLC sent me a letter dated  XXXX   XXXX ,  2017  wherein they claimed that I owed {$14000.00} to  XXXX . I disputed the accuracy of this claim because the account was paid in full according to our settlement agreement dated  XXXX   XXXX ,  2017 , and as per my letter dated  XXXX / XXXX / 2017  sent along with full payment of {$6700.00}. Their office, and  XXXX  tracking have both confirmed receipt of my full payment on  XXXX / XXXX / 2017 , and I have a copy of the deposited cashiers check. I had also requested in writing that they remove the now paid account and my personal information from their records and that they no longer contact me, or the other borrower, in exception for confirming that the account has been paid.     Their collection letter in which I 'm filing a complaint about came after my payment and written request, and I have received at leas t 1 m issed call with no voice message left from their office.     I sent my dispute letter in response to their letter dated  XXXX / XXXX / 17  to their office with all supporting documentation on  XXXX   XXXX ,    2017  via certified mail with return receipt requested.
I received calls from a series of related phone numbers from XXXX, WA, identified by the person calling me as GC Services. Their website : https : //consumerportal.gcserv.com/. 

These calls were received on XX/XX/18, XX/XX/18, and XX/XX/18. On XX/XX/18, the man who called me immediately demanded to know personal identifying information when I picked up the phone, including my address and Date of Birth, while refusing to disclose why he was calling, on whose behalf, or what the call was in regard to. I refused to provide personal information to someone making unverifiable claims on behalf of GC Services who would not tell me what the call was regarding. I have additionally received no written communication from GC Services prior to these calls, despite the fact this person recited my current address on file to me on the phone. I repeatedly asked the individual to identify themself and why they were calling, and they repeatedly asked for my personal information as described above. I finally had to end the call because it was frankly very disturbing to receive a phone call from an unidentified entity demanding personal information.
I have been getting repeat phone calls from a debt collector. They call me at least 6 times a day, send text messages and even call my friends XXXX references XXXX as well. They have threatened to report me to the news media and threatened to give my information over to a team of lawyers I guess they deal with. I even tried making a payment thinking that would help but it did n't, they started calling me two days after I made a payment and arrangements. This ordeal has been a nightmare because I really feel like im being bullied.
This was a mortgage account that should have been closed in XX/XX/XXXX when it was paid in full. In XX/XX/XXXX I paid off this loan in the amount of {$250000.00}. As of today, XX/XX/XXXX, I am still receiving correspondence from Wells Fargo indicating this account remains open. I have repeatedly tried to address this situation directly with them.
On XX/XX/2017 I was in a financial bind and I went to loan max for help. They went outside looked at my car and told me I could get approved for {$2000.00} based on the car and my XXXX income, I then explained to the loan processor that I get paid on the first of every month and he said that that was ok. The way he ( the loan processor ) explained the loan was that the quicker I paid it off the less interest I would occur so if I paid it back in two months I would only be paying back around $ XXXX {$2800.00} Im not exactly sure of the amount but I remember it be close to {$3000.00} because I thought that was fine it wouldnt totally wipe out my income on the second month to pay it off. But on XX/XX/2017 they wanted me to make a payment I tried explaining to them at that time that I only get paid on the first of the month and I could come in that following week. On the first of XXXX I paid {$1000.00} towards the loan at that point they refinanced the loan for {$1800.00} because I paid more than the actual principle on the loan. I then asked them at that point why does the remaining principle balance say {$3500.00} it was a young lady I was dealing with this time she then stated that the remaining balance was based on me paying it off in three months with the interest that would calculate but if I paid it off the next month it would be less, o.k. On XX/XX/2017 I wasnt able to pay off the loan but I took in {$500.00} to apply to it and when she gave me my receipt I could not believe what I was seeing for my remaining principle balance it showed {$3500.00} so XXXX left trying to figure out if only {$27.00} was applied to my loan. The payment at the end on XXXX came from my XXXX check my next payment was due XX/XX/2017 but my check was less because two of my children had turned XXXX and I was no longer receiving income for them and I tried calling them to work something out but they said at that time that my loan was not in default there wasnt anything they could do, they told me to try back once it went into default and I did and they said that I had to wait until integrity ( the lien holder ) released the loan and then they would be able to work something out. We touched base a few times they called me I asked them was there an amount that I could pay to pay it off and be done no more payment plans because I couldnt afford to pay like that but they said no. And on XXXX XXXX they came and took the car, So I asked them to give me a receipt showing that they are paid because they have the car, still no.
I have n't obtained a loan through Speedy Cash. I have disputed this with all the credit bureau but XXXX XXXX XXXX XXXX XXXX will not remove or provide me with any documents verifying the account
I Have Sent Them Several Letters Asking Them To Remove Incorrect Personal ( Incorrect Previous Address ) Information That They Put On My Credit Report.This Started After The XXXX  " Breach. " They Refuse To Give Me A Copy Of My Credit Report Claiming, All Of A Sudden After Years Of Receiving My Credit Reorts With Zero Problems That They Can't Verify My Identity.I Have Sent Several Pieces Of Information To Prove My Identity Including My Driver 's License And They Still Refuse To Give Me My Report Or Correct The False Information.
Just as of last week I was interested in checking my credit score. So I went to XXXX and I saw that I had 1 derogatory mark on my credit report. I noticed that it was XXXX. I was a XXXX customer over two plus years ago, I had a two year contract. I had a monthly phone bill that I paid every month on time until I fell into a financial hardship at the end of my two year contract that caused me to miss and not pay, from what I can remember which was my last two phone bills. I was unaware of my remaining balance that I owed XXXX for my last two missed monthly payments. I never received a bill in the mail and I never received an email because I opted out of paperless mail. XXXX sent my last two payments I missed to a collection agency for the purpose of collection. I never received a bill in the mail for the balance that I owed on my XXXX account. I'm actually glad I checked my credit score because I would have never noticed that I still owed XXXX. I would like to become a XXXX customer again very soon because XXXX has a certain phone that I'm interested in buying soon and no other carrier has that phone available. In order for me to become a XXXX customer again I need to pay my remaining balance off.
I filed a dispute regarding a bankruptcy reported on my credit to Transunion and asked them to show me were it is verified. they have written me a letter stating that they investigated it and it has been verified as accurate but they have failed to provide me with any sources of verification. I have attached the letter that I sent to them in regards to this matter
I am writing this letter in regard to an issue that has presented itself. I had an outstanding balance on a XXXX XXXX credit card account about 2 years ago because I went trough a hardship I called the bank directly and settled my account over the phone ( bank has to have record ), XXXX XXXX set up automatic payment on their end which were completed and terminated by XXXX XXXX when settlement amount was reached in XXXX 2017. Approximately few weeks ago I received a letter from a debt collector stating that I have a remaining balance of XXXX, I explained what happened to the debt collectors, they refused to cooperate, I tried to call them bank and they refused to speak with me -- stating that my account was sold to debt collectors and I have to speak with them, I am a single mother and feel like I am stuck in-between because of a mistake made by XXXX XXXX. I obtained proof of all payments from my bank and sent them to debt collectors and according to them they contacted XXXX XXXX twice on my behalf, 1st time banks response was " the monthly payment amount was incorrect it is supposed to be {$95.00} instead {$93.00} '', when I explained it was set up on their end then they answered on 2nd request from debt collectors that they never even settled this account and I was just paying toward my balance.
XX/XX/XXXX My Grandma had received a phone call from a company stating they needed to speak with me, I am unsure how they got her information. I called the agency, they had said I owed a debt and needed to pay it as soon as possible to stay away from legal action and brought up tax season. The gentlemen stated he would be sending me information to my e-mail since I told him this debt was already paid and had a letter that gave a confirmation number, I submitted it to this company but they stated it was not valid. I provided this gentlemen with an e-mail address three different times, along with sent an e-mail with the paperwork I had. XX/XX/XXXX He still did not send me information on the loan I supposedly owe. I have proof the loan was paid through bank statements. He was very rude and even brought up contacting my work and this going on my credit report. Pushed me into setting up a payment arrangement. The phone number I was receiving calls from was a different one I was told to call.

He said he was from NAM Group in XXXX, NY.
On XXXX XXXX, XXXX, I submitted A Qualified Written Request for Account No. XXXX, XXXX XXXX Property Address ) to M & T Bank. 
In my correspondence ( please see attachment ), I informed M & T Bank that I was making a qualified written request under Section XXXX of the Real Estate Settlement Procedures Act ( RESPA ) and that I was requesting the following documents associated with my loan ( Account No. XXXX XXXX : XXXX ) Appraisal XXXX ) Copy of Contract for Deed XXXX ) Copies of Property Inspections XXXX ) Escrow Statements / Annual Accounting Statements XXXX ) Homeowner Insurance Payments Paid by Loan Servicer XXXX ) XXXX Dues and Special Assessments Paid by Loan Servicer XXXX ) Loan Assignments, Loan Servicing Documents, etc. 
XXXX XXXX Foreclosure Notices, Notices to Cure, Acceleration Notices, etc. 
I informed M & T Bank that under Section XXXX of RESPA they were required to acknowledge my request within XXXX business days and that they must try to resolve my issue within XXXX business days. However, I still have not received any type of response.
On XXXX XXXX, 2015 I received a letter from Midland Credit Management asking me to pay XXXX credit account at a reduce rate. The letter stated that it is on my credit report and if I pay the account in full they will report it on my credit as PAID IN FULL but if I pay less then they will report it on my credit as PAID IN FULL FOR LESS THAN THE FULL BALANCE.
purchased car in XXXX from Condor Capital Corp. called on XXXX/XXXX/XXXX rep XXXX to request to skip a month payment and add that payment to end of loan. XXXX after keeping me on hold for XXXX minutes informed that if I paid {$370.00} they would let me skip the month -- he informed that supervisor advise. Not acceptable then I requested if I could make partial payments for two month -- XXXX informed me that was acceptable. then he informed me that I had two late payments from XXXX -- never received any notification -- did put in bill payment then cancelled because of no notification or dates. Called around XXXX that invoice stated that I had made a payment then added the same payment -- XXXX informed that he would correct and saw the mistake. XXXX paid {$45.00} for late payment due to the fact partial payments Paid {$150.00} on XXXX ; XXXX paid {$72.00} ; XXXX paid full payment {$440.00} ; XXXX paid {$220.00} ; XXXX paid {$220.00} ; XXXX paid {$220.00} ; XXXX paid late payment of {$45.00} In XXXX started paying {$440.00} very month. Received a certified letter that On my account # XXXX that I owed {$940.00} called on several occasions where did my partial payment go. No one was able to inform me. Requested a call from a supervisor -- " XXXX '' called when I was at work -- called several times never returned my calls. Received a letter on XXXX/XXXX/XXXX that my check of {$440.00} had not cleared. Contacted them immediately -- no help. Contacted XXXX XXXX XXXX they had to fax the information several times to a " XXXX '' the rep this time was XXXX she was going to send me a report on my payments. XXXX XXXX XXXX found out that they had cashed this check from bill pay then processed again for payment. want to know what happen to my payments.
I 'm always paying my balances with Chase freedom in full, and never had intention to pay late or not to pay. I 'm monitoring my credit report constantly, and recently found out that Chase Freedom Credit Card placed negative information on my credit report, stating that I was over 30 days late with my payment of {$78.00}. I recently moved, and did n't receive billing statements from Chase to my new address, and was n't aware of the payment due. 
I notified the post office about my move, but never received anything from Chase. 
I know that before placing my account in past due status, and reporting to Credit Bureaus, creditors usually try to contact clients by phone and or email. Chase Freedom has both : my phone number, and email, but never tried to contact me. When I found out about negative info on my credit report, I immediately contacted Chase, and paid full balance to them. I asked them to remove negative information from my credit report, but they said that they will credit me the late fee, considering my excellent paying record, but refused to remove negative information from my credit report. I feel that Chase made an error by not contacting me using other means available to them, and need to fix it by retrieving the negative entry from my credit report. 
I 'm in the process of applying for loan, and this negative entry reduced my credit score by XXXX points.
I contacted XXXX XXXX Credit regarding a Hard Inquiry placed on my Equifax report dated XXXX. XXXX XXXX Credit has no account or a record of application. They would need Equifax to correctly dispute with them the information for resolution. I called Equifax many times and they refused. I did an online disputer and it was closed almost immediately to which XXXX of Equifax customer service representatives stated that they generally just close them out without further inquiry. I would like Equifax to correctly inquiry and resolve this issue and remove the Hard Inquiry as there is no information from XXXX XXXX Credit, no account records and no application history or any information leading to any reason of a credit inquiry to begin with.
Saw on my credit report that there is a collection for {$970.00} but I don't know what it is for since I did not incur this debt.
Online security freeze is unavailable at all three of the major credit reporting agencies for at least the past three days. The specific issue encountered at each company are below.
XXXX - " We are unable to process your request at this time. We appreciate your patience while we resolve this temporary issue '' ..occurs AFTER logging in and providing personal information Equifax - `` System Currently Unavailable - Error 500 '' or " We are currently unable to service your request.Please try again later. " ..occurs AFTER providing personal information and accepting terms of use XXXX - Page fails to load : XXXX XXXX XXXX Aside from the persistent errors above, the process to establish a security freeze at each company is clearly designed to discourage consumers from actually doing so. Every alternative option is presented prior to the security freeze and in many cases the company provides reasons to dissuade consumers from electing a freeze. They present freezes as a measure of last resort rather than a rational action.
Normally I 'm not one to advocate for regulation, but this industry is indifferent to the risk they pose to consumers.
The cosigner on my private loans was paying one of my loans from Sallie Mae through Navient. He was assisting me with this loan because I have already been struggling with other student loan payments. After my cosigners death, the automatic debit from his bank account stopped and now the loan is a few months passed due. With an already extreme interest rate, the principle is now even larger. Only after contacting Navient did they inform me that there was nothing they could do and the loan would be completely on me to pay. Even with my other loans from Navient and XXXX being on an income-based repayment plan, if I were to start paying this outstanding loan by myself, I would be paying over {$1000.00} per month just in loan repayments. I am starting to believe that Navient is not giving me the lowest possible payment on an income based plan. People who I know that are in similar situations pay much less. I have over {$200000.00} in student loan debt, with a job that requires a XXXX XXXX and only pays {$55000.00} per year. This student loan debt is near crippling to someone who lives in an expensive metropolitan area for work, is newly engaged and wants to start a family. There is no end or relief in site for me or others in my situation. Please help.