WillisBack/dataset-financial-user-claim huggingface dataset:
My ex filed bankruptcy on a mortgage for a house that we are both on the loan. For 2 plus years I have been trying to find out if the mortgage payments were being applied correctly and if their was a monthly mortgage payment that was missed. Never have I received any correspondence from them nor have I been told on the phone whether or the monthly mortgage payments were made and if any payments were missed. Back in XXXX of this year ( 2016 ) when I called once again about the mortgage trying to get information they finally told me that the mortgage had been behind XXXX for over a year and they were charging me late payment fees of {$500.00} and inspection fees of {$310.00}. A lady named " XXXX '' told me to write a letter to Seterus explaining that I was never told for over 2 years about any late payments and never received any letter in the mail and that since I made a good faith effort in catching up the mortgage payments that she thought I had an excellent chance to get the fees waived. Well today, XXXX XXXX, 2016 I just received the companies response back and they denied waiving the fees. I called them immediately at XXXX and their csr whom I spoke to agreed that their was no way for me to know about any payments, payment history etc but she was unable to do anything about it. In addition they are now reporting it as negative on my credit report which again, I had no way of knowing whether or not the mortgage was behind.
My complaint is against Rush card. I have not been able to access my money or use my card since XX/XX/XXXX. I 've made multiple phone calls, sent multiple emails, sent multiple messages on social media, and here it is XX/XX/XXXX, and I am still without my money. I 've been contacted by a representative XXXX time, and that was on XX/XX/XXXX, after I was advised to send a direct message on XXXX. The representative had no resolution for me and advised that she did not know when the issue would be resolved. You ca n't get any answers from anyone, meanwhile this has had a huge impact on my life. I have now had to pay a XXXX deposit to my electric provider because I could not pay my bill by the shut off date. Rush card is not providing any help to their customers, and these issues are not resolved as they say on social media.
I am concerned regarding a breach of privacy and rights regarding my Mohela Loan Vendor, and involving the bank XXXX XXXX XXXX. 

In XXXX of this year, I received a letter dated XXXX stating my auto debit bank account information had been changed after a request made by my bank. 

This action negated a previous change I had made to my auto-debit account information on XXXX/XXXX/2016 and had been processed by Mohela for my XXXX 2016 loan payment. 

The information provided by Mohela in the letter indicates that they changed my auto-debit information without my consent back to an old account number that existed with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX has been absorbed by XXXX XXXX XXXX and my account number with XXXX was/is no longer valid. This is what started the whole process of changing my auto-debits in XXXX, 2016. 

After being contacted by Mohela I reached out to them and was told that I had followed all procedures correctly for my change in XXXX of 2016 and they verified the change became active and successful for my XXXX payment. They then told me that despite this I would have to reinitiate a change back to my preferred account because the information that I entered in XXXX was no longer in the system due to this contact from XXXX XXXX XXXX. When I called XXXX to discuss why they would change this information without my consent, and why they would use an old and invalid account number, I received no answers. They claimed there was no record of them initiating a change, but they would look into the issue. I have not heard any more on the matter from XXXX. 

My issue is twofold. First, I have to repeat a time-consuming process that I have already completed. But, more importantly, I am making loan payments to an institution that seems to have very loose controls on my account information. After following their process, giving my consent, and waiting for the change to enter their system all this work was negated by one phone call that did not come from me -- the only authorized user of my account. Not only did they make the change without my consent, they did not verify the change with me, instead choosing to notify me by letter of what had happened without my knowledge. 
I do not understand who is at fault most primarily in this situation, and however - neither Mohela nor XXXX requested my consent for any changes and for that fact, I feel there has been an egregious privacy breach by both institutions regarding my personal information and preferences. It has at times elevated my level of XXXX in my quality of life and marriage, and going forward gives me little faith in the privacy rights I have with Mohela. 

Thank you for reading.
us bank mortgage keeps giving me the ran around about my final modification, i just completed my 3 month trail period, and now they will not send me the final modification paper work, I have called everyday and still get the ran around from very person I speak with. I am assigned a relationship manager, but they are never available to speak with me about my mortgage account, and every person I speak with at us bank home mortgage have little knowledge of what they are doing, and can never give good information, they just keep suggesting that I made a mortgage payment of {$910.00} until my final paperwork is sent out and I am not going to keep giving them money and have no final modification amount set for me to pay yet. US BANK HAS HAD MORE THAN 45 DAYS TO GET T HIS INFO OUT TO ME, BUT OF COURSE THEY ARE SAYING THAT IT IS IN THE FINAL STAGES, BUT NOTHING DEFINITLEY.
I was going to enroll in XXXX University for a XXXX XXXX. I completed the paperwork and prior to submitting the {$75.00} enrollment fee, I was informed from XXXX that I did not have the necessary credits to enroll. XXXX University proceeded with the student loan through XXXX, but I was never given any of the funds. This was in 2009. I have been trying to resolve this since, but now a new company has become involved on behalf of XXXX and they are threatening legal action, wage garnishment, etc. I never received this money because I never actually enrolled or was able to enroll. XXXX continues to send me collection notices for the {$75.00} enrollment fee.
" CFPB '', You have back complaints from me dated in the months of XXXX, XXXX and now XXXX. Now the refer number to track is:XXXX.Ihave never been given a clear explanation nor have I received a letter explaining why " DRS '', did not notify me of their investigation status or results or their investigation did not fix an error on my report.
On XX/XX/XXXX I visited a Wells Fargo Branch to inquire about my loan balance of {$58000.00} and to find out when my loan type was changed and why I was not notified. The loan officer at the branch stated that they were unable to answer any of my questions and said I would need to call the XXXX number on my statement. I then called the number on my statement and they transferred me to the Home Equity Servicing Operations and the young man that answered referred me to XXXX XXXX but she did not answer and I left her a voicemail stating the reason I was calling. A few days later on XX/XX/XXXX I  received in the mail a Transaction Statement, I reviewed the statement and attempted to call XXXX and left another voicemail stating that I had requested an amortization printout for my loan not a Transaction Statement and I would like to know when did my loan become a Simple Interest Equity Home Loan when my Promissory Note states that it is a 30 year fixed at an interest rate of 7.24 % in the amount of {$65000.00} and the Settlement Statement states a Conventional Loan. I reached out multiple times during the next couple weeks trying to speak with XXXX but without success. I them asked if someone else could help me and he said at this time no and XXXX was out of the office. On XX/XX/XXXX my wife was able to speak with XXXX and she attempted to explain that when Wells Fargo took over our loan they decided that it was best serviced as a Equity Simple Interest loan instead of a Conventional loan. My wife asked her to explain a simple interest loan and she said it 's a type of loan that accrues interest daily from payment to payment not monthly like a conventional loan, at which time my wife asked why were we not notified and got no response. XXXX then stated that she had prepared an ammoritization chart for the account and would be dropping it in the mail but it was only accurate if we brought the account current by XX/XX/XXXX.  After speaking with XXXX my wife relayed to me what had been said at which time I called XXXX myself and asked her why did years go by without any principal being applied to our mortgage even when we paid on the XX/XX/XXXX or within the grace period based on our documentation and she repeated the same thing that she had told my wife at which time I decided to contact my attorney and he suggested that I go ahead and file a complaint. On XX/XX/XXXX we finally recieved a Recalculated Amortization which shows that if we are current by XX/XX/XXXX by the last mortgage payment on XX/XX/XXXX we would have a balloon payment in the amount of {$18000.00} which we did not have in our original documentation, how and why are my questions which she can not provide an acceptable explanation. I am attaching documentation of our Settlement Statement, Promissory Note, Truth-In-Lending Dsiclosure Statement, Transaction Statement and Recalculated Amortization.
My loans through XXXX were deferred as I am a current student, when navient took over they began to bill me and affected my credit. When I called I was forced to begin paying on my loans which I can not afford since I 'm still a full-time student. My payments to navient cause me to fall behind on my other bills.
Hi, I am raising this complaint with VERY LESS CONFIDENT whether the problem will resolved or not. Because i have tried to resolve this problem with all possible way. I do not have any more energy to go further actions ( e.g. lawsuit ) even if this issue is not resolved. I am thinking you are the final spot. or otherwise I will LIVE up with this problem forever. 

I am completely fed up, frustrated and stressed due to this. I came here only because i am abused and harassed by two parties.One is  apartment management and another is Debt collection agency. Both of this parties are responsible my credit report damage. 

I have stayed in the XXXX XXXX XXXX from XX/XX/2018 to XX/XX/2018. i owed the bill amount {$320.00}, When i moved out from the apartment. They didn't properly informed me by sending bill to mail/email address about this amount even though i have provided all the information ( email and mail addresses ). The send this bill to debt collection agency ( XXXX XXXX XXXX ) even before informed me. 

I realized i have this debt only after i inquired to apartment leasing about my deposit amount. This is first stage i fed up. 

After that i have given the check to leasing office with the payment amount of {$320.00} on XX/XX/2018. I thought everything is OVER NOW. But i got a call from " XXXX XXXX  XXXX '' on XX/XX/2018. They were asked me about the payment amount due {$320.00}. I told them, i have already paid the due on XX/XX/2018. But they said they have not received any communication from apartments. They asked the proof for payment and i sent an email to them with check image. Also i called apartments office and asked them to inform this paid debt to collection agency. They said they will inform to " XXXX XXXX XXXX ''. Now i realized everything is done. But it is NOT. 

The I Q Data Internal Inc ( " XXXX XXXX XXXX '' ) collection agency reported the amount {$320.00} to credit report agency as bad debt on XX/XX/2018. This is really SHOCKED for me which i have cleared the due amount on XX/XX/2018 itself and also informed payment to both parties ( Debt collection Agency and Apartment management ) on XX/XX/2018. 

I disputed the report to credit report agency. Now i started fighting again with I Q Data Internal Inc debt collections agency with all around the way i described above. I asked them to REMOVE the bad debt from my credit which i actually paid 2 months before on XX/XX/2018. 

But the final result i got today ( XX/XX/2018 ) from I Q Data Internal Inc is they will inform this bad debt as PAID/CLOSED status to credit report agency. I asked them REMOVE the report. They said they will not REMOVE the bad debt from my credit report and it is not their responsibility. 

My Question is, do i have to LIVE up with this bad credit report for 7 years? Which i have not really owed amount to anyone. I will provide more information on this if required. I have attached necessary documents here for your verification. 

I am severely fed up and stressed with this problem. 

Thanks
On XX/XX/18, XXXX XXXX ACH debited my personal checking account for {$3800.00}. I have never had a XXXX. My wife is the only other signer on my checking account and she has never had a XXXX. And we certainly did not authorize our checking account to be ACH'ed. 

The transaction description on my checking account is as follows : Pending ACH Debit ORIG CO NAME : XXXX XXXX CO ENTRY DESCR : CREDITCARD SEC : WEB XXXX XXXX XXXX XXXX Link to more information in a new browser window. {$3800.00} My bank stated the phone number they showed for the transaction was XXXX. When I call this number, it says 'Settlement Department ' and refers you to leave a voicemail which I did. 

I tried calling all the customer service or complaint numbers that I could find for XXXX XXXX. They all go to the same place. I was told that there is nothing they could do because I don't have an account with them. I tried to get them to refer me to a different number where they could help me, but they said there wasn't one. 

I only want to understand how XXXX XXXX has my checking account info and why they attempted to ACH it. I'm worried my identity has been stolen or bank account info compromised. Or that Barclays simply made an error and someone fat-fingered an account number. I didn't want to file a complaint here, but there doesn't seem to be any way to contact someone in the company that can tell me what happened.
I purchased my home XX/XX/XXXX, I have paid my loan accordingly {$1600.00}, but always paid {$1700.00} and escrow is paid per the lender. However various lenders have held the loan, one of which ran an incorrect escrow analysis, The lender was XXXX in XX/XX/XXXX, lowered my payment in error and sent me a check for the overage. In the interim, my county office did a reassessment in which the value of my house increased, and knew it would affect my payment about XXXX. Wells Fargo now owns the loan, I called numerous times since XX/XX/XXXX to correct and they were unable to resolve because they were unable to understand what transpired once the loan was sold to a different lender. Due to the shortage in the escrow my payment increased to {$2400.00}, in which I have spoken to numerous escalated representatives with Wells Fargo, and they are still working on the resolution. They closed the case previously in which I was not satisfied because they still had not concluded the resolve for the payment increase and each time I make a payment of {$1700.00} it appears that my payment is in default since they increased the payment to {$2400.00} They did send notices of foreclosure previously and reported to credit, however they have since halted the notices and blocked the credit reporting. I am looking to transition to a different state and am unable to move forward until this is rectified. I need assistance. I have contacted my PA state rep. and they did write a letter, however it has now been over a year!! 
Thank you
Hello I've been trying to resolve this issue with Trans Union about these unauthorized credit inquiries on my credit report file, I've sent certified letters time and time again to this company and nothing 's been done yet and its been since last year for months XXXX. XXXX XXXX XXXX XXXX XXXX. I need your help with this issue I'm having with Trans Union. Thank you kindly
Alert from XXXX on my credit report from CITIBANK on XX/XX/19, they said I had to contact Citi in writing, I did. Even though there is an alert on my credit file to call before doing inquiry, CITI did it. I did not request it. 
They are saying they will not remove it!!
Citibank N.A cancelled and discharged the Home Depot revolving debt on my credit report back in XX/XX/2014 ( proof attached ). The only Citibank representative that would talk to me was XXXX XXXX whom stated she worked for the office of the president and declared that the debt is again valid and that I need to pay it. XXXX XXXX stated that she was the highest level of anyone to talk at Citibank and that my only option was to pay the " valid debt '' even tho I sent proof multiple times that the debt was cancelled and discharged and should have been removed from my credit report and collection attempts.
On XXXX XXXX, 2015 an amount of {$36.00} was paid on my behalf from TD Bank. I checked the account on XXXX XXXX, 2015 and realized that the account was in the negative. That same day XXXX XXXX XXXX, 2015 ), I made a deposit at the bank at XXXX XXXX of {$40.00} to cover the negative balance in the account. Today, XXXX 29, 2015, I received a letter from the bank say that they charged me an overdraft fee of {$35.00} for that day and they charged it after midnight and after I had posted the cash deposit at the bank.
AD Astra Recovery Services is reporting on my credit report in the amount of {$1500.00} account # XXXX which is false and its keeping me from obtaining credit. 

* Were you named on the original contract with the original creditor? 
* If not, do you have a contract between your company and me, signed by both parties? 
* If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving your information to a 3rd party without your knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? 
* Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? 

Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible. 

The XXXX XXXX XXXX - XXXX XXXX to XXXX ( Agreement ) states that if you don't address even one item as requested, you agree that my statement of fact is true. It is part of my full disclosure to you that I require a response and lack of receiving what is requested or demanded from you proves I owe you nothing.
I am contacting you to report a fraud perpatrated on me by the company Coinbase located in XXXX California. On XX/XX/XXXX I placed a sell order wire for XXXX Btc or {$360.00} from my Coinbase account to my credit union bank account, Coinbase transaction history notes showed that the transaction ( XXXX ) was completed on XX/XX/XXXX however the funds were never received by my bank. I contacted Coinbase via email and phone over a dozen times as well as sent them bank statments It is now XX/XX/XXXX they have never once looked into the case and have not returned my missing funds. I sent the requested documents including my bank statments to prove funds were never received to XXXX@Coinbase.com. I also contacted support XXXX in XX/XX/XXXX XXXX a manager on XX/XX/XXXX also several other managers and support members and have email corespondance as well in each case, they say that thier team will fix it but I have never received one email from the Coinbase internal team that is supposed to fix and return the money. I feel over 4 months should be a more than reasonable amount of time to correct this error and return my funds and and is also a clear violation of thier printed resolution timeframe of up to 45 days. At this point I am not sure what they are doing with missing customer funds but feel I have been mislead and misrepresented by Coinbase. 


They have a policy clearly noted on thier website that they have not followed, I have copy pasted it as follows : ( We will determine whether an error occurred within 10 business days after we hear from you and will correct any error resulting from a technical mistake, misrepresentation, or omission by Coinbase promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. 


We will tell you the results within three business days after completing our investigation. If we determine that there was an error, we will promptly correct the error. If we decide that there was no error, we will provide you with a written explanation. You may ask for copies of the documents that we used in our investigation. )
Today on XX/XX/2018, I deposited two checks in the amount of {$1500.00} and some change. I have deposited these checks every two weeks for almost two years and have always been able to have at least some portion of my money. Today my bank account was negative XXXX cents, I deposited the checks and the bank told me Im XXXX out of luck. No money, and the associate from Wells Fargo suggested I write a check and hope whatever bills I have to pay dont cash it until Tuesday. Annoyed by this I tried to close my account, they told me no you can not close your account and you wont have youre money until Tuesday. When asked why they held my check as they have only done one other time when I was negative XXXX cents, they said they werent sure why there was a hold on the account, but when I brought up that it was because I was negative and they wanted to charge me three days of overdraft fees they quickly waived me off the phone. Give me a break.
My wife and I have had a XXXX XXXX / XXXX XXXX since @ XX/XX/XXXX. We were told that we had a rewards program, which is why we chose this card, that would build earnings toward the purchase of a new XXXX vehicle. Every month, on our statement, the earning total is printed. We have been watching this grow since @ XX/XX/XXXX. On our last XXXX XXXX XXXX XXXX XXXX Account statement we had {$10000.00} in earnings. We are senior citizens on a fixed income and were looking forward to buying our LAST new car. We went to our local XXXX dealer with the expectation of cashing in our earnings from the last 15 years. Even though our earnings were printed on our statements for the last 15 years, which we have, the dealer and XXXX XXXX / XXXX told us we can get only {$1000.00}. ( XXXX XXXX ) toward a new car. This is wrong. This is fraud. They tell us on every months statement that we have $ XXXX, but in fact, they tell us we can use only XXXX. This is WRONG! Please help us. In addition, please change the rules so that people like us will not be taken advantage of.
My wife and I bought a house and closed on XXXX/XXXX/XXXX. At the time that we bought the house the taxes per year were {$900.00} a half because there was a tax abatement that we were not made aware of. The title company collected the {$900.00} from the seller XX/XX/XXXX. We have just received our tax bill for XX/XX/XXXX and the bill is {$1500.00}. That is about {$640.00} more than was expected. I called my mortgage company and they have stated that they paid it, but our payment is going to increase by over {$200.00}. I called the title company and they stated that they are not responsible because they based the tax on XX/XX/XXXX. I can understand that the taxes have gone up even though no one has explained the abatement to me, but for me to have to pay the {$650.00} in tax for a time period in which we did not live here is unacceptable. I would like to be advised on what I can do with this issue.