WillisBack/dataset-financial-user-claim huggingface dataset:
I was contacted by Goldman Sachs Bank USA last week and told my account was overdue. I contacted them several times and was told disregard email account was fine. this was in reference to amount still owed for XX/XX/XXXX and XX/XX/XXXX, I should have only owed a remainder balance for XX/XX/XXXX, however I was told payments were declined by bank, which is odd because why would I be told the opposite after having called and spoke to a customer service representative and they confirmed receipt of payment, only to receive a call last week to be told account was almost 3 months overdue. 

The representative for Goldman Sachs and I called XXXX XXXX XXXX XXXX on a 3 way call and was told the payments weren't received. I know the money didn't go back to my checking account as I was forced to use my credit card to eat. I hardly ever use my credit card unless I am out of funds. The credit card is designed to build my credit and not destroy it! Something similar happened with another credit card I had to have canceled and reissued however I will address that issue in another complaint!
On XXXX  2018 my XXXX score said that my debt increased. Upon looking at what increased, i found it was a debt collector ( Conserve in XXXX, NY ). The issue is i have already been paying on that debt and started paying AN AGREED UPON amount, but the total went up as i was paying. I attempted to contact them twice, both with no resolution or explanation as to why they decided to make me pay more than my agreed upon amount. I know that legally a debt collector can not collect more than what is agreed to be paid on.
This account has continuously been reported by the collection agency XXXX.. The medical bill was payed off and the agency agreed to remove it.
I knew the stipulations to taking out a installment loan ( air quotes ) long term payday loan. I decided to do so with Big Picture loans aka Castle Payday loans. I made my first initial payment of {$200.00} which covered the finance fee and an additional amount to go towards the principle. Now it 's time for the 2nd payment due and I want to make the same payment. Per there instructions you have to notify them 2-3 business days before the payment date, in which I did. I get an email back from thing 2 days later explaining they had a high email/call volume sorry for the delay but they already processed only the finance charge. This seems like a crook move to me so they can get more money out of my pocket. Something told me to not do business with the company, but I had a bill that desperately needed to be paid. I do n't like the deception in this company. Not to be disrespectful but the customer service people can barely speak proper English and I feel stupid to have even started doing business with them for the almighty dollar.
I contacted Navient late last year to pay an extra {$1200.00} to pay off XXXX of my XXXX loans with the company. They falsely assured me that they will apply the payment to my smaller loan in order to pay it payoff. However, when I checked my account today, I noticed that they did not apply the payment as I instructed them and only applied {$200.00} towards the smaller loan. Second, they changed my monthly auto-pay amount and increased it by 50 %. There was no notification provided to me regarding the increase of payment nor was I provided documentation indicating a change in my payment amount.
During the year  XXXX , I was late paying my mortgage payment for 3 months. Prior to the fourth payment 's due date, I rendered all late mortgage payments plus all late fees. Shortly thereafter, I received a document from Bank of America indicating that unless I discuss the situation with the entity, payments rendered my not be applied to my account. I did n't discuss my financial situation with Bank of America therefore, the non-delinquent account was sent to a collection agency for recovery. Collection agency representatives constantly placed collection notices on my front door knob and rang my door bell or knocked on my door. Because I did not respond to their demands,  XXXX   XXXX   XXXX  was dispatched to my resident. The representative placed a notice on a window near the front door saying the resident was vacant. As I was observed entering the home through the garage, a second notice was placed onto the garage door. Once I dial the telephone number typed on the document, a recorded massage said ; if I did not contact that agency, someone will change all the locks on the structure 's doors. Bank of America has mishandled my loan 's escrow account. The financial institution did not pay my property taxes and insurance premium. Today,  XX/XX/XXXX , someone dispatched the police to my resident to apprehend a squatter. However, I am not a settler with no legal title to the land occupied, The police officers wrote an inaccurate and would not provide me with the name of the person whom reported the incident. During my conversation with both officers, I said, I was late on a few mortgage payments but, they were remitted. This incident report is suspicious. I will attempt to encourage the po lice officer to a mend his report.
Since XX/XX/XXXX I 've been autopaying {$63.00} on the XXXX-XXXX of every month to XXXX/navient. In XX/XX/XXXX the auto-pay abruptly stopped. When I contacted Navient about it they told me I had NEVER auto payed before and since I was late I needed to pay XX/XX/XXXX payment AND XXXX payment. They took {$120.00} from my bank account. The {$120.00} does n't equal the XXXX I was paying but that 's anther issue. They said the payment was for XX/XX/XXXX and XX/XX/XXXX. Then come XX/XX/XXXX I get charged again {$63.00} on XX/XX/XXXX. I have all the bank statements and my account payment history on the navient site.
My wife and I are a very strong couple. We have endured and have overcome all types of obstacles in our married life, but we have run across a scenario that we are struggling to manage on our own. Flagstar Bank is trying to sell our house through foreclosure, but is n't taking the time to try to help us save our home. The set of circumstances that led us to where we are today were beyond our control and no one at Flagstar has been willing to take the time to sort out the mess. 
We fell on hard times financially a couple of years ago and have been trying to recover since. I lost my job in 2012, which is what caused us to fall behind on our mortgage. After being unemployed for a while, I decided to start my own business in sustainable development and clean coal technology. As I 'm sure you 're aware, it takes time to build a successful business. Meanwhile, my wife started working part-time as a social worker and I eventually found employment working on commission ; and now my business is starting to take off. We 've picked ourselves up financially after a very stressful time in our lives. I was a XXXX XXXX in the XXXX XXXX. XXXX, and as such that 's what we do. However, Flagstar Bank is not cooperating with us and has not provided any options for us to save our home. 
I have tried to engage Flagstar to get a loan modification so we can keep our home, but have been given the runaround. They have not offered a review and have not taken any of our claims into consideration. Each time I tried to engage Flagstar, they would refer me to the VA. The VA in turn would send me back to Flagstar. Each of them passed the buck, and now Flagstar is setting sale dates and trying to kick me and my family out on the streets. 
If the government knew the shady dealings that surrounded this loan, they would be coming after Flagstar. I need assistance getting Flagstar 's cooperation. We simply want a review of our mortgage for all available retention options so that we can keep our home. We do not need a handout or be given something we do n't deserve, but we want the opportunity to be treated fairly. Our financial future looks bright and we will not have any financial issues moving forward if we can get this resolved reasonably. Thank you in advance for any help you could provide. We would like to see if you would be willing to contact them to see if they will deal with us professionally so we can keep our home. I would be grateful for any assistance you would provide to me, my wife, and our XXXX young children.
They never billed my insurance. They never even sent me a bill. Now they are trying to list as a collection and damage my credit. XXXX Stanislaus credit cntrl.
I had a Mortgage with XXXX XXXX with no escrow account. XXXX XXXX sold my Mortgage in XX/XX/XXXX to XXXX which now changed their name to XXXX. 

I was and still am paying my own Taxes, & private Home owners, Wind, & Flood Insurance. My Condo association also pays Master Flood and  Hazard insurance. It is included in my Fees. I have given both XXXX XXXX and XXXX Proof of renewal for all policy that I pay in full. XXXX   XXXX and I agreed to that and everything was fine Now here comes XXXX! 
Everything was fine for 8 months I emailed them proof of insurance renewal that is paid in full. They send me a letter I need more Flood Ins.  Fine I purchased more Personal flood insurance Paid in full to satisfy their demand of {$44000.00} My personal flood is paid in full by me until XX/XX/XXXX. I sent them proof and they sent me a letter that it was accessible to them. I have the Letter. 
They now say They are going to open an escrow account and they now added {$160.00} to my Mortgage. This is unacceptable I am XXXX years old and do not need to or will I be bullied by these predators. I will email you the documents. 
XXXX XXXX XXXX
I applied for this card so that I could take advantage of the 12 month free financing and what a hassle this has been! I have closed my account because of all the errors generated either by automated computer or by personnel. I have to mention I have talked with the general manager and sales rep and they have been very nice and compliant about reversing the charges that were incorrect. The issue has been with the numerous calls from Synchrony bank stating that I owe a late fee and my account balance is past due when in fact that is not correct! The automated pay system that Synchrony has is horrible! It doens't take out any money, even when the account was setup properly. I became so frustrated with this hassle and paid my balance in full and closed my account. However it did not end there, for some reason Synchrony bank yet again messed up and charged me {$25.00} after my account was closed. I am wondering why they still have my personal checking account information after I closed my account. Apparently the {$25.00} charge was interest that was due, although I was never late on my payments and I had the 12 month free financing. I called into Synchrony bank to get my charge of {$25.00} reversed because it was an error and they agreed no problem, BUT you have to wait 3 days or about 48 hours and CALL BACK again to " make sure that your payment gets processed ''. WHAT POOR CUSTOMER SERVICE!! VERY INCOMPETENT FOR A BUSINESS THIS LARGE TO HANDLE AMAZON ACCOUNTS!! I will NEVER use SYNCHRONY Bank again as it has been such a hassle to use. All I would like now is to receive a check for my {$25.00} and not have to call back ever again. I have also put a very poor rating on Amazon 's website about this card through Synchrony bank and hopefully Amazon realizes that through enough customer complaints and will get rid of Synchrony Bank as their primary store card and use a more reliable, hassle free company.
XXXX loans were closed and moved to XXXX, on XXXX XXXX, 2010, however, there are statements on my credit reports that I have XXXX missed payments on XXXX, XXXX missed payment on XXXX and missed payments on XXXX. There were no missed payments.
Wells Fargo a credit card by mail that was never received back in XXXX of XXXX. 
I called and informed them that I had not rec 'd card and the informed me that they would expedite and resend another card back in XXXX XXXX, and I rec 'd new card but have yet to use card. Now in my recent XXXX credit report I found that Wells Fargo has report my account past due for {$16.00} that they claim is a XXXX fee they charged my account for expediting my card that got lost in the mail. The Fraud representative I spoke to stated that he will pull up the recording and If I am correct I will have it removed, but refused to give any written confirmation to me, rather he told me I would have to wait and see next months statement to see if charge was removed, without any further explanation or assurance of outcome confirming their internal investigation. 
I is absurd that anyone would accept this explanation as it is my credit they are reporting as in default and waiting another 30 days would make this matter more en-grievous as it would be further in default without any explanation or transcript of conversation from their internal investigation. I request that an investigation be started by XXXX credit reporting agency, and I have advised them I did not authorize charges, and requested late charge accrued be removed as well. Still waiting.
After reporting this continual unfair, deceptive and abusive behavior from Shellpoint, Shellpoint just responded to CFPB, and not me personally by mail, a letter dated XX/XX/XXXX ( ATTACHED ) with my requested information on how they determined I didn't qualify for a modification. As you can see yourself by the response letter given there are many errors I will disclose that Shellpoint purposely " added '' themselves that is NOT accurate in order to disqualify me illegally.

In Shellpoints evaluation they have included 3 properties I no longer own as the bank foreclosed on them AND several modified loans they have the payments plus PITI that I pay with the amounts incorrect-much higher of course!. Therefore, I am formally Appealing this rejection of modification due to the fact that Shellpoint decided on their own to include invalid information even though this was disclosed to them when I submitted my documents for review. 
I am Appealing their decision and asking again for them to cancel the XX/XX/XXXX sale date so that Shellpoint can do a proper review using factual numbers instead of them making it up. ISNT'T THAT A DUAL TRACKING VIOLATION? This is just one issue as Shellpoint continues to hold sale dates over my head WHILE IN REVIEW and for that matter during the entire modification process and Appeal period and refuse to give me the 30 days needed to respond, as I haven't even formally received anything back from Shellpoint on any of my disputes, or Appeals! 
Also, just to allow the CFPB knowledge of how Shellpoint and XXXX XXXX XXXX operate, I called in every day to see where I stood with the Appeal I sent in ( that Shellpoint " lost '' for weeks then " found '' once I pushed and spoke with a supervisor who would actually LOOK for it and update my file ) along with the many disputes and Qualified Written Request to which Shellpoint COULD NOT AND HAS NOT GIVEN ME A FULL ANSWER WITH LEGALLY, RECORDED DOCUMENTS THAT PROVE VALID STANDING. 
Also, no one at either company would tell me if my XX/XX/XXXX sale date was cancelled. I was left on my own to find out online at XXXX on XX/XX/XXXX hours after the purported XXXX sale time, that the sale date had been postponed until XX/XX/XXXX .... yet neither company would offer this information to me PRIOR to the XXXX XX/XX/XXXX sale date. I would think that the CFPB would call this DUAL TRACKING and uphold their own laws for the homeowners. I definitely consider this unfair, deceptive and abusive acts and practices, especially on a senior citizen as myself, XXXX years old in XXXX! They are targeting me unfairly and I am asking for the CFPB to protect me against these predators claiming to own my loan, provide me with answers to my requests and abide by the laws respectively.
Synchrony Bank refused to open a 5 year C/D for me even though I am a long time customer who recently sold their home and moved. I wanted to invest the proceeds of my home sale. They said I have to wait 60 days. I do have a freeze on my credit report. Why should a credit report be required to INVEST money from a long time customer?
Incorrect information on my credit reports from XXXX, XXXX and EQUIFAX. Inquiry not authorized by me. Per multiple inquires on my report that are shown in the year of XX/XX/XXXX and XX/XX/XXXX was not authorized by me. I have spoke with all credit bureau multiple times requesting proof of validation, verification of authorization and nothing have been provided to me yet. Under the FRCA ACT, the bureau 's are responsible for investigating once I request a dispute within 30 days or delete. This error is effecting my credit worthiness. The multiple inquires on my report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IT XXXX Inquiry Dates : XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Inquiry Dates : XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX Inquiry Dates XX/XX/XXXX XX/XX/XXXX. Can someone assist me with this complaint.
I recently pulled my credit report from Equifax and noticed the following accounts were listed on my reports as a collection/chargeoff. I immediately disputed this information with Equifax and the results of the investigation came back as " verified ''. I did not have an account with any of these companies during this time period. All of these companies incorrectly reporting this debt and has ignored a demand letter under FCRA regulations. With Equifax continuing reporting this account as negative on my credit report it makes it impossible for me to establish new lines of credit and also tarnishes my name. I will also be filing complaints with the Attorney General of my state and pursue full legal action under FCRA regulations and defamation of character unless these debts are immediately removed from my report.
XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, MI XXXX XXXX To whom it may concern : It appears that the cooperation between us, HSBC and XXXX has deteriorated to the extent that I have no choice, but to continue try and prove that by their mistakes and unwillingness to get this problem resolved. I will continue to address this the best I can, and present evidence I have available to me. This is a continuation of a complaint, case # XXXX. 
I am, again, requesting a complete and in depth audit of the entire year, XX/XX/XXXX, of my mortgage account with HSBC ; loan # XXXX. HSBC mortgage statement, dated XX/XX/XXXX, shows a payment was received, automatic deduction, from my credit union, on XX/XX/XXXX, credit union statements will be provided upon receiving a new case number. Please note HSBC statement Principal balance is the same for XX/XX/XXXX, and XX/XX/XXXX, and shows no activity on XX/XX/XXXX. HSBC statement XX/XX/XXXX, also shows {$800.00} being billed as escrow, and was disbursed, but no credit to principal or escrow, meaning, somewhere along the line, HSBC made a miscalculation as the cause of this problem. My investigation goes back into XX/XX/XXXX. If you calculate the amount {$1100.00}, then subtract the {$800.00} from escrow, the sum is {$390.00}. That is very close to the amount left accounted for according to the spreadsheets, I provided XX/XX/XXXX, of {$390.00}, in my favor, but that still leaves the question, what happened to the {$850.00}, that HSBC statement dated XX/XX/XXXX, was on hand. 
Since the trust and integrity of HSBC and XXXX has deteriorated to almost zero, because of trying to deceive and hide the truth and other things. I am submitting my remedy. 
Turn over the title to my home, free and clear, absolutely no attachments, pay {$150000.00}, by certified check, for all the number of times HSBC has breeched the foreclosure agreement of XX/XX/XXXX, and broke the original contract signed XX/XX/XXXX. Admit to wrong doing to the public through the media, and other agencies. This has caused a lot of undue stress, frustration and extra expenses, when there could have been a very easy way to remedy the problem. 
Thank you, XXXX XXXX XXXX
Credit Collection Services, XXXX, XXXX, Ma XXXX, XXXX has and continues to send collection letters and phone calls concerning a purported debt to " XXXX XXXX ''. 
There is no debt, but Credit Collection Services has caused damage to our credit and has caused us to pay higher interest rates for the foreseeable future.
HI, I had been to the hospital on XX/XX/2016, i gave the insurance details to the hospital later and i didnt hear anything from the hospital and never got any news from hospital.Later by XX/XX/2016 i called the hospital and gave my change of address information to the hospital also ensured that the hospital has insurance details. After that they told they will contact insurance company and then get back to me but have not hear anything from them. 
I was waiting for bill, and now i see there is outstanding of {$150.00}, i am not sure why no one contacted me as i have provided everyone my change of address as well as phone number. 

I do not agree to this collection, i wil pay {$150.00}, please let me know how do i pay them and also please remove the admended score.
Received a call from CBE Group, requested contact number, and company they are representing was treated very rudely and denied a number, or the name of the company they are representing.
I am in a   XXXX   XXXX   XXXX   with  XXXX  assistance. My entire income is taken to pay the patient responsibility part of my bill. I can not make payments. I have explained this repeatedly.
I went online XX/XX/XXXX to make a mortgage payment to Wells Fargo Home Mortgage of {$1300.00} which is my normal payment. I noticed the payment had increased from {$1300.00} to {$1300.00}. My normal escrow analysis was done XX/XX/XXXX and my payment had gone up due increased property taxes and property insurance.I called Wells Fargo and talked with customer service agent XXXX on XX/XX/XXXX and proceeded to tell me the increase was due to a mistake in the modification process of my loan XX/XX/XXXX. XXXX also stated to me to protect my credit that I should go ahead and make the new payment and Wells Fargo would talk to me later about it.Wells Fargo has not contacted me in any form including mail, email, fax or phone to alert me of an increase of my mortgage. Wells Fargo refuses to accept my normal payment of {$1300.00} and due to this stance my credit record is now in danger. I am on Social Security XXXX and every dollar counts to me. How can a bank just decide to increase your payment out of the blue without proper notification and then refuse to accept the normal payment. I have reviewed my closing statements of the modification XX/XX/XXXX and Wells Fargo is incorrect.
This debt was settled in XXXX of 2017 and is still shown on my XXXX not paid. The company XXXX XXXX has removed it from XXXX but not XXXX
Collection Bureau of America , Ltd. ( CBA ) is attempting to collect a debt on behalf of XXXX. In XXXX XXXX they sent a collection notice. The notice stated that I owed for water bottle delivery. I called them right after receiving the notice to dispute. Information was faxed as requested. Furthermore, I contacted XXXX directly. They picked up the cooler and was told that the account was going to be credited out. Fast forward 8 months later, Collection Bureau of America never advised of the dispute paperwork sent neither did XXXX. I get an alert from XXXX there is a negative trade line reported to my credit. I called them XXXX/XXXX/XXXX and they told me that they were collecting this debt still. 

When contacting them, they told me they mailed me a notice in XXXX XXXX. A dispute was faxed and discussed with their agent. No followup from them after this dispute was sent ever occurred. 

This is not a fair and in my eyes an illegal way of handling this matter.