WillisBack/dataset-financial-user-claim huggingface dataset:
ShellPoint XXXX XXXX Estate of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX This short sale has been on-going since XX/XX/16 when it was with XXXX. It was service released to Shellpoint on XX/XX/16. Since then ShellPoint has been an absolute nightmare to work with. The list below has not only been ongoing with this short sale, but has also again happened on our most recent phone call with them YES this ALL happened in one phone call with them. The point of contacting ShellPoint was to get HUD approval to be able to close on Friday. We sent ALL the docs they need to review prior to closing on Monday WELL WITHIN TIMEFRAMES NEEDED FOR REVIEW. Today we were told that EVERYONE ASSIGNED TO THE FILE WENT ON VACATION INLCUDING THEIR MANAGEMENT!!!!! Clearly there is no oversight or supervision at this company. ShellPoint did each of the items below just on THIS call alone : 1 ) No SPOC 2 ) Lack of enough staff -- we have been told that they dont have enough people there by our negotiator, management, and front end staff 3 ) No designation of fill in employees when management and staff all go on vacation at the same time 4 ) Condescending attitude when asked why there is no one assigned to a file scheduled to close 5 ) Shellpoint ( or whatever their name is this week ) does n't take loss mitigation, XXXX, or FDCPA seriously and believes that it is a joke 6 ) No one returns calls. Their messages say calls will be returned in 24 hours but i have never had anyone call me back 7 ) We have to throw a fit to get them to do anything at all especially if they have to find the appropriate person to take care of the issue 8 ) ShellPoint doesnt care about deadlines or making sure a short sale closes on time. They have no sense of urgency or obligation to their investor or borrower. They will be the first to blame this on the borrower and then just cancel the file out of spite. ****We have closed over XXXX short sales and ShellPoint does all of these things on EVERY file we have ever had with them. No doubt by now they have accumulated enough complaints to be fined hundreds of millions of dollars likely even into the billions at this point. When is the CFPB going to fine them like they fined XXXX for their illegal and unethical behaviors?
The mortgage company is not applying my payments to bring my mortgage current. They are manipulating my payments to charge me late fees. I contacted them on XXXX/XXXX/XXXX, and they said they would correct it. They did n't they just further manipulated the numbers to still have me paying late fees. They are dishonest.
I received a notice from TransUnion, dated XXXX XXXX. I received the notice XXXX XXXX. The notice said my credit score had a negative item. The notice said I could call this phone number ( XXXX XXXX ) to find out what the negative item was. That phone number is 'not valid in my location '. 
I tried going to the online address that was on the notice to view the information and was n't allowed. TransUnion wo n't allow me to set up an account -after I gave all the necessary information. TransUnion wo n't allow me to view the negative information.
I had XXXX separate purchases that I made through XXXX using my bank card. I was unaware the the purchases I was making were out of the country and not being payed the proper way through XXXX. When I never received my items I called XXXX to dispute the charges. They advised that since it was paid as a freind payment ( which I di n't know ) I would have to got to the bank and cancel it with them. I went to my 1st bank branch in XXXX ca. and I signed an affidavit for the XXXX charges XXXX and XXXX. the bank then reversed the charges to XXXX and put it back in my acct. XXXX at that point put my acct in the negative. XXXX then opened a dispute for only XXXX charge the XXXX and after they opened it the 10 days went buy and the dispute was closed in my favor and XXXX gave me the money back for that XXXX charge. All good Now we have the second charge XXXX. I can not get XXXX to open a dispute so I can go the 10 days and get it out of the negative. I have called XXXX several times and they advised that they see the money being taken by 1st bank but they only have a dispute from the bank for XXXX charge. I have called the bank several times and they advised that they should have all the paperwork to open a dispute from the first filed paperwork. The bank refuses to resend it. The last time I talked to my bank they advised that there is now a 3rd party bank involved because it was a international charge ( which I did n't know either ). But that is on XXXX end. If they open a dispute and find in my favor then they will have to go after the XXXX and XXXX. That should have nothing to do with my end.
On XXXX/XXXX/2015 I went to XXXX XXXX to consider purchasing a new house. The realtor XXXX XXXX told me that I would qualify for AT LEAST a 3.5 % interest rate. She even said that she was being " conservative '' and put it in writing. I asked how could I find out for sure? XXXX told me I had to sign a purchase agreement and talk to their sister companyNVR. I spoke with NVR Loan officer named XXXX as their normal loan officer XXXX XXXX was on vacation. I told XXXX that I did NOT want him to run my credit unless he could absolutely assure me that my rate would be below a 3.75 %. I did not want him to ding my credit. XXXX assured me that he absolutely thought that 3.75 % or even lower was possible as XXXX had put on my good faith estimate. Given his oral agreement ( prior to anything being signed XXXX XXXX ran my credit with understanding in place. On Monday XXXX/XXXX/2015 I went in to meet XXXX XXXX the usual loan officer that works with XXXX at XXXX XXXX. Loan officer XXXX XXXX XXXX XXXX is # XXXX. My wife and I sat down and I immediately said to XXXX XXXX, " XXXX, as you probably know we talked to XXXX at NVR while you were on vacation and he promised us that he would not run my credit unless you could hit at LEAST the percentage rate I gave him that all other lenders are currently offering. So we can make this a really fast yes or no if you tell me the interest rate. '' XXXX just said to just " sit down and we would review things first ''. As it so happens after 90 minutes of her blathering she pulled out a pre-printed sheet that had a completely different interest rate than what was said both verbally and on paper by either XXXX or XXXX XXXX. I was told I would get 3.5 % and I even said I would allow them to come in up to 3.75 % the price every other lender was offering. As you can see by the letter they put 3.5 % and said " that 's being conservative given your credit history ''.
On XX/XX/2018, I received a letter from the credit bureau stating that a collection account from Merchants Credit Guide Co. was added to my credit report for {$78.00}. A collection that I didn't know anything about. I never received a bill, letter, warning etc.. from the collector 's office. I called the collection agency, verbal information was given to me. I requested a written copy of bill in dispute. On XX/XX/XXXX of 2018 I received such written information. I went through my records to find out this bill to XXXX XXXX XXXX was paid with check # XXXX on XX/XX/2018 for the amount of {$86.00}. ( XXXX + XXXX. ) I called XXXX  talked to XXXX and she told me there was no record of me paying this bill and did not find a copy of the check in dispute. I am submitting evidence from my bank account that check was cashed on XXXX. They deposited this check electronically didn't cash it through the regular channels. This dispute destroyed my credit record falling down XXXX points according to the credit bureau.
Dear Sir or Madame : I was swindled out of {$6000.00} by cashing XXXX Money Orders at Chase Bank in XXXX XXXX. I was " selected '' to be a secret shopper from a XXXX XXXX. 

I was under the impression that the money was good after the bank said it would take a couple of days to clear, which I thought it had. I had cashed one for {$1000.00} a week prior and the bank hadn't reported any issue on that one. 

I received another mailing with 5 Money Orders for {$1000.00} each. Suspicious, I took them to the FBI Headquarters in located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XX/XX/18 to see if there were any reports on any Money Order scams. I met with a XXXX XXXX XXXX who said there were no reports and the Money Orders looked real. With that, I went and deposited them at a Chase branch on my way home. 

I was under the impression Money Orders had the funds and waited a bit while I thought the teller was checking on each one. I was told it would take a couple of days to have them clear, which it did and moved the funds over to my main XXXX XXXX account online. 

I was to receive a {$200.00} commission for shopping for XXXX XXXXXXXX gift cards at various stores and report back on customer service and take pictures of the serial numbers on each card and text them back to my contact " XXXX XXXX ''. I had explained all this to XXXX XXXX and forwarded him the text messages. He later left me a voice message saying he spoke with colleagues and said it might be a money laundering scheme, but after I had cashed the Money Orders. 

Last week I received notices that all the Money Orders were counterfeit and besides owing them the {$6000.00} cash, I also owe them {$72.00} ( {$12.00} each ) in returned funds fees. I also owe the credit cards I used to purchase the gift cards thinking I was going to use the cash to pay them back. 

I have filed reports to the XXXX XXXX of XXXX XXXX and one Online to the FBI as instructed by XXXX XXXX. 

I don't want this to happen to anyone else and am trying to get my money back from XXXX on {$800.00} of gift cards I didn't send over to the scammers, but all the stores said sales were final. I also received a notice from Chase that I need to repay them within 10 days. 

I don't feel I was represented correctly by Chase and wish to know what my recourse is. 

Best regards, XXXX
In XXXX 2017 I went to the emergency room and provided my health insurance information to cover any charges due. I had XXXX XXXXXXXX at the time and assumed the costs were covered. XXXX XXXXXXXX denied my coverage initially, as they had done with thousands of other claims throughout the state, citing that they were backed up and unable to process the payments in time for each claim. The hospital placed the debt for collection with Transworld Systems with an internal account number of XXXX. Transworld reported the unpaid balance to various consumer credit reporting agencies, such as XXXX, stating that I owed the debt and the delay in payment was attributable to me, personally. 

Roughly 6 months later, XXXX XXXXXXXX paid the claim and the balance was updated to reflect a {$0.00} balance owed. However, Transworld did not request deletion of its tradeline, even though any delinquency was directly and only caused by XXXX XXXXXXXX, not by myself, and it was not something reasonably within my power to change. 

I have disputed the information as inaccurate to XXXX and XXXX, and explained I was covered under XXXX XXXXXXXX at the time, and any delay in payment was the result of errors or omissions by XXXX XXXXXXXX, but Transworld verified its reported information as accurate and told the credit agencies to continue to report the debt as one in which I was personally liable. The fact it  reports paid does nothing for me, since the very presence of the collection tradeline harms my score. In situations where payment problems are the result of insurance delays, my understanding is most debt collection companies will request deletion. 

Since this was not my fault, it is not fair that my personal credit scores are being harmed.
On XXXX XXXX, I paid XXXX XXXX XXXX {$3300.00} in hopes of paying off the card. I ended up over paying and a balance of - {$250.00}. I did n't request a refund since I shop on XXXX often and knew I would eventually use the credited balance. XXXX has a policy ( unknown to me ) that if the balance is n't used in 60 days, they automatically send the credited balance as a refund check. They ended up sending the check to the wrong address. In addition, they never informed me of this policy or that the check was sent. I only found out when I checked my account after making a purchase ( a month after this check was supposedly mailed ). I spoke with a customer service representative and they said that the check would be cancelled and a new one sent. Since I did n't trust the first representative ( he gave me misleading information about my account ), I spoke to another representative a few hours later. She noted that the first representative I spoke with never cancelled the check or put a new request in. She claimed that she had fixed everything and the check would be sent within 15 business days. It 's been three weeks now, and I received a check only for {$2.00} ( the amount I had in cash back rewards ). I spoke to another representative who claimed that the check for the {$200.00} was not sent because the there was some confusion by the person who cuts the checks. She said she would try to get it resolved.
I have called these people on several occasions the amount that they are reporting to all 3 credit bureaus is MORE than what I acutally pay. Recently they added an additonal {$12.00} on y credit report and it is in accurate. They are also reporting my payments as {$390.00} a month. They are also not reporting my monthly payments. I attached my monthly statement that shows my payment is {$180.00} every 2 weeks which is {$360.00} a month. They bought this loan from XXXX but are not doing business like them.They are charging a fer each time you make your payment online if you do not enroll in auto draft. Which XXXX did not make you do!
My husband and I were out of town without money and I looked up online a site that helps you find a loan right for you. When I came across this site it was one that was chosen. I do not remember the site that helped in finding this one. We got approved for XXXX right away and the money was deposited. It asked for my husband 's information including bank account so we assumed it would be taken out on the specific dates. They never have taken out a payment and we didn't realize that it was a 466 % apr! I have never heard of a company being able to do that! Needless to say we are heartbroken we have now a loan that we owe for {$1900.00} for a {$1200.00} loan. We are already struggling and then this happened. There is no where to pay it off online and my husband works the hours that he needs to call. When I called they said they could not speak to me and he has to call. while waiting on the phone the recording said to pay off online go to XXXX. but when someone answered, she said that he could not pay it off online but others can? Very confusing. And now we are going to be out of money by paying hundreds more! I'm worried that this is going to affect our credit and our hard earned money is going to a bunch of scammers! I cant even find an acct number.
I contacted Trident Assest Management to validate XXXX returned checks that I have no knowledge of. They sent me XXXX checks with signatures that do not resemble mine. I was never notified of any returned checks to the company listed on the check or the company. I also requested information on their right to the money they say I owe them. I did n't receive it. These accounts remain inaccurate, unvalidated & they continue to report on my credit reports.
I have a loan with CITICARDS CBNA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and CITICARDS CBNA were no successful resolution. XXXX  and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late on XX/XX/2018
Firstly, this is a new complaint against the same mortgage company ( Nationstar ) as my first complaint was. 
In my first complaint ( XXXX ) I outlined the tardiness of Nationstar in completing the foreclosure on the property at XXXX, MN XXXX, a Condo. 
After my separated wife stopped payment in the XX/XX/XXXX, Nationstar appropriately notified us of a foreclosure action on XXXX XXXX, XXXX. My wife abandoned the Condo in XX/XX/XXXX-XX/XX/XXXX and later called to the bank to notify them that she was stopping the payments of the gas & electricity. Nationstar did not proceed forthwith to complete the foreclosure until the Sherriff Sale in XXXX XXXX ( Over three years ). In the mean time Condo Assn Fees, Late Fees, Attorney Fees and Assessments were accumulating. I just left the District Court with a Judgement against me for {$10000.00} due to their tardiness in proceeding with the foreclosure. Had they executed in a reasonable time, the damage would not have been so great. What would have been a reasonable amount is now a hardship. In addition, in my first complaint, I reported that the Nationstar management company was inept in protecting the Condo and in XXXX XXXX when I learned of the Zombie Home situation, I re-entered the Condo with the idea of renting it someone who could at least pay the Condo Fees. What I found was XXXX busted pipes from freezing, which cost {$3000.00} to repair.
The company? its you, you do all the reporting correct on credit reports well its you that made the mistakes I do not think its fair that i raised XXXX daughters by myself and i am still working 45 60 hours a week and for the first time i might stand a chance at XXXX buying my first home its a dream i have had for years. so i finally started to look at what is important and its my credit score and i want to fullfill this dream. Whenever i was late or couldn ; t pay something you make sure you waisted no time putting it on my credit report but gee when i finally work hard and do something good you do n't put that on there why is that not fair at all. 

exter finance says i still owe XXXX on all my reports it is paid i owe nothing XXXX XXXX credit card states i owe XXXX wrong its paid owe XXXX XXXX XXXX i owe nothing XXXX states i own XXXX wrong i owe XXXX so my credit used is not XXXX percent adn my available credit is not XXXX its higher new accounts is lpi personal unsecured loan XXXX no late payments XXXX XXXX paid XXXX XXXX XXXX pd XXXX XXXX XXXX pd XXXX still there and aes still there all those inquireies XXXX XXXX XXXX   XXXX XXXX XXXX i didnt do those i am trying to build my credit to get my own house not ruin it i did not do those i work with XXXX XXXX are they real or am i throwing my money away? please update asap i am waiting on you to have my dream. please its most important day for me to see my score go up and to get a house ... please
Navy federal Is refusing to assist me with my dispute I left my purchase in the fitting room when I realized I dont have my purchase I immediately went back to the fitting room and terribly it was gone now I am pay and making payment for a purchase I dont have
Wells Fargo Mortgage has stolen my XXXX XXXX Certificate of Eligibility as it pertains to me and home Mortgage Guarantee. I am XXXX XXXX XXXX, XXXX XXXX XXXX Retired. I had a home that I allowed for assumption ( XXXX XXXX XXXX XXXX in 2011, and When I tranfered ownership, I did not realize at the time of the transfer of ownership, that I would loose my earned XXXX Home Guarantee. The mortgage officer that had me sign the many documents from Wells Fargo Mortgage for the Assumption of the Loan for the mortgage at XXXX XXXX XXXX XXXX SC XXXX to XXXX and XXXX XXXX, failed to make sure that I understood that this was forever as long as they had the loan. I have recently tried to dispute Wells Fargo claim to my Benefit to which I have bled and served this nation for ... But the XXXX system forced me to arbitrate with Wells Fargo before they would list a complaint. And as expected after a month of delay, Wells Fargo ruled in favor of themselves. Now I am unable to use my full benefit to secure myself and family for a better home that can accommodate my XXXX needs. Wells Fargo has ripped me off.. And Wells Fargo does n't seem to think they are culpable in the deception and confusion their whole process endeared. I am of the belief now, that Many Veterans have been slipshod by the word " assumption '', as applied by The XXXX and Wells Fargo. This relationship between the XXXX XXXX Mortgage Office and Wells Fargo is a trap for Veterans and has been used to strip benefits from deserving Veterans. It is not as if I did not fight, bleed, and shed my tears for our country and I lost brothers in battle, so I know the pain. But having to realize that the Big Company. Wells Fargo and the XXXX Home Mortgage Guarantee people resort to tactics that can only be described of as " usury '' makes me think I am just a mark to these scoundrels that are untouchable ... ..How many Assumptions I wonder, are listed in the XXXX Mortgage guarantee system. How many Veterans have suffered needlessly because of the greed of Wells Fargo
Opened account with Citizens Bank on XX/XX/2017. The offer I responded to stated that if I had a direct deposit of {$500.00} to the account within 60 days Id receive a {$200.00} bonus. I have contacted the bank and have not received this bonus yet.
I have accounts that have been disputed and I have never gotten any reponse back have sent tin police reports and everything needed and nothing has changed. I have disputed several items and they are still on reports. some of which are fron many years
They call me repeatedly from this number several times a day. I think it's XXXX 's but I don't have a XXXX 's account
I contacted XXXX  to cancel my monitoring services in XX/XX/2018. They did not cancel my service ( original creditor account # XXXX ) and continued to charge me for another month. At this point I cancelled my credit card. Even though I cancelled my card they continued to bill me for two more months and then charged me a cancellation fee, even though I was out of contract and had been using there service for 7 plus years. Now they have sent a collections agency after me claiming I owe them {$110.00}
In XX/XX/2012, I started my own business and I was not able to pay on my student loan so I started to deferred them. Between running my business and a major car accident, paying back my student loan has been difficult. Over the last 6 years Sallie Mae/ Navient have added over {$10000.00} in interested and late fees. My loan amount total was around {$21000.00} in XX/XX/2012and now it is over {$33000.00}. 

Navient harassed me about my payments when the forebearance would end and call me all hours of the day. Then once I would do another fore-bearance they would add on more fees, interest and late payments. Navient made me believe that deferring my payment was a good/okay thing to do but what it really was, this company is just getting richer off of poor women like me. 

Now I am trying to dig myself out of this financial hole and I wrote them a letter asking them if they could go back to the {$21000.00} as my outstanding balance, if I would agree to pay this off in a couple yes and they said no. They manipulated me for their financial gain. 

Any help would be greatly appreciated. 
Thank you, XXXX XXXX
Yes I recieved a debt from XXXX XXXX which I have not been apart for atleast 10 years for XXXX dollars. I have recently been aware that someone may have stolen my identy and have already placed a credit hold on my credit report. I have already proven to one other debt collector that it was not me that took out a loan. I would like any records sent to me with account ending XXXX. So I can also prove this debit owed is false.