WillisBack/dataset-financial-user-claim huggingface dataset:
We have our first mortgage with Bank of America and we are trying to refinance our loan with another bank. The address on our FHA loan through Bank of America is wrong and we need an address change on the loan documents. They told us they needed certain documents faxed, so we faxed them multiple times. Weeks went by and they continued to say they had not received them. We had faxed all of our information as did our new lenders. We continued checking up on it and eventually they said they have them but they have now changed their rules and need more documentation and that our prior documentations would not work. We have sent over everything else they have requested proving that our address is what we say it is and not what they have down and are now telling us it could be up to 180 days before they get our address changed. During the whole process they have asked us to refinance with them and are now dragging their feet on helping us get our address changed on the loan documents. It has been a complete and total nightmare.
Over the past few weeks, I have been harassed by my mortgage company, particularly by this XXXX agent, XXXX XXXX. He talks down to me and is very negative. I had a call with him last week and one today, XX/XX/XXXX. He does not listen and talks over me and he talks to me like I am behind and will not pay, when I have paid them monthly. I sent them a letter back in XXXX when I had a major home repair that caused me to pay them after the XXXX of the month. They did not respond. 
I spoke with another agent who called and he gave me another fax number to resend the letter and I resent the letter successfully. They did not respond from XXXX when I resent the letter until yesterday. I received a letter confirming that they did not make a late report to the credit bureau. The first agent ( a female-XXXX on XXXX ) asked for when I would get back on point and I told her by XXXX. She did a review of my finances and said that I do have the ability to pay my mortgage based on my income and noted that I would be back on schedule by XX/XX/XXXX. I thought that would have ended the phone calls, but recently, XXXX XXXX has been harassing me and causing me stress.
I was charged a XXXX late fee on my account. Santander posted my payment 3 days late. Santander stated that they received and posted my payment the day it was received. I do not believe that 1, because XXXX service is not that slow, it was mailed 10 days before it was posted, 2, because all other payments mailed on that date managed to get delivered on time. 
I want the XXXX credited back to my account, along with any finance charges associated with this charge.
I 've been trying to lower my payments, but Navient has made it impossible. Basically telling me that my only choice is either forbearance or the graduate level option. Navient refuses to help.
to whom it ma concern ; I have mailed multiple letters to all the CRAs on XX/XX/XXXX by certified mail in regard to the accuracy of the bankruptcy on my credit report. They received the letter right away on XX/XX/XXXXand replied after 2 days that it has been verified and that its mine through XXXX XXXX. I called XXXX XXXX to confirm if the CRAs indeed verified it and they said no one called them and even XXXX  XXXX ca n't verify all my information since they do n't have enough datas, not even in my public record that matches on their system. I am a wife of a United States XXXX and literally left our lives behind in service for this country and I ca n't believe this is how they treat us. We are about to end our military service and planning on building my credit to purchase a house for my family and this report is hurting my credit score. under the new law effectiveXX/XX/XXXX, any public record data must include name and address as well as SSN or DOB in or for it to appear on my credit file. The credit bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
We have had the XXXX XXXX XXXX through Bank of America for the past 14 years. We thought this program was protecting all of our listed cards from fraud and identity theft. We resently had serveral fraudulant charges on our checking account also with Bank of America and were not notified in any way. I had to notify the bank of the fraud. When speaking to a BofA rep from their fraud department, I was informed I did not need this service as my account was automatically protected. 

Two years prior, I tried to cancel this service and was pressured not to cancel as I needed this type of service and protection. 

I feel that this is a bogus service that I have paid XXXX per month for the past 14 years and only recently realized this service does not do anything I expected or thought I signed on for. I expressed these concerns to BofA and was allowed to cancel, today, but no apologies, concerns or help on getting any amount refunded. 

I am thankful that I caught the misuse on my account before it was completely drained.
I had a auto loan through Navy Federal Credit Union starting in XXXX. The loan was for a higher interest rate than I would have like but at the time I needed a vehicle and it was the best offer the bank would provide. Long story short, I went through some hardships such as divorce and job loss and tried to re-finance the vehicle but never received a response from the bank or any assistance on plans to make lower loan payments. The vehicle was then repossessed and auctioned and the remaining balance was my responsibility according to the bank. So again I was put on a payment plan however the payments were too high to keep up with and fail to continue to make them. I had a direct deposit going to the account that Navy Federal never debited nor did they provide me a way to pay the loan using my online portal. Once I switched jobs again and setup direct deposit to my checking account Navy Federal just decides they are going to take 90 % of my deposited paycheck without any warnings or notification. During this time I ask to have some of the fund returned back to the account but was denied on XXXX/XXXX/XXXX @ XXXX cst and on XXXX/XXXX/XXXX XXXX cst by two different customer service reps who claimed to not have the authorization to return the funds. I also express I have a court order to pay those funds to Child Support enforcement and that typically those funds would not have been placed in the account since they are deducted straight from my paycheck. Again I was denied and instructed to call back on XX/XX/XXXX XXXX/XXXX/XXXX. Banks acting as collections agencies should not have the ability to, without warning and justifiably garnish your paycheck.
I had an XXXX at XXXX on my XXXX on XX/XX/XXXX. Before the services were provided, XXXX notified me that my XXXX would be {$1500.00} and I 'd have to pay my {$500.00} medical deductible before services would be rendered. I came with {$500.00} cash ; however, they offered an interest free payment plan. I took the payment plan as it was favourable to paying {$500.00} cash on day 1. My credit card has been billed as agreed upon in the payment plan. I have also fully paid my credit card ( {$0.00} outstanding balance at each month-end since before XX/XX/XXXX, which means I have paid in line with the payment plan ). I received a voicemail the week commencing XXXX XXXX from someone stating to be employed by XXXX, which is the parent company of XXXX, stating that I have not paid my balance. When I asked how that was possible as I was on a payment plan, they noted they sit in a different office and were not aware of my payment plan. Not knowing about my payment plan seemed a bit off, so I looked into the number I was given on my voicemail and noted it was for Quality Asset Recovery, a debt collection agency! This individual, XXXX XXXX ( XXXX ), actually does NOT work at XXXX as he claimed in his voicemail ( which I am more than willing to provide ). He never once even notified me he worked for a debt collection agency. I then decided to call XXXX directly to ask about this and they stated that I, in fact, had paid every bill on time as agreed, and that the issue came from them " incorrectly sending accounts for collections '' to XXXX. 

I would also like to note that I never once received a notice from XXXX that I was late on payment. I also sent them a letter XX/XX/XXXX asking for the detailed billing for my XXXX ( as this was never produced ). It has been 2 months since that letter was sent and I am still awaiting a response.
I co-signed for a loan for my granddaughter with Sallie Mae while she was in school at XXXX. They tried to make her start paying for the loan while she was in school. After graduation, she setup payment with Sallie Mae. Then Navient took over and double the payments and double the amount that she borrowed. They said that she had not paid enough on the loan. Now I received letter from XXXX XXXX offering me a settlement to get my name off the loan but saying that she would be still responsible for the total amount owed. No one has contacted my granddaughter by phone or mail. They have been just contacting me with an abundance of letters demanding repayment from me for co-signing the loan. I am going thru XXXX with XXXX and do not have what they are asking for to settle. I have requested that they work with my granddaughter since she is still paying Navient.
Ally Financial made me the primary borrower on a loan that I co-signed for a XXXX gentleman. When he got behind the vehicle went out for re-posession without me being notified. When I found out, I took possession of the vehicle with XXXX miles and contacted Ally. I was assured by Ally that if I paid off the vehicle and late fees for over $ XXXX they would issue release in my name. The buyer has since left town and the release was issued in both our names, leaving me no way to dispose of the vehicle. Ally refuses to re-issue the release after apparently committing racial discrimination and fraud.
I have been locked out of my account since XX/XX/XXXX. The login screen says it needs " new device conformation '' and will send an new email with a link to verify. The email never arrives so I remain locked out of my account. I have spoken to Coinbase support on the phone and they said my account is in good standing with no red flags. They said they can not figure out what is wrong and have escalated my account to a specialist. It should take more than 24 hours to unlock someone's account. This matter should of been fixed on the first phone call. 


COINBASE CASE # XXXX
The loan was sold by XXXX to Discover, ever since Discover has canceled my autopay eight times, set autopay up to the incorrect checking account three times, input the incorrect addresses ten times, and now has increased my payment amount with no notification and will not change the amount that my autopay is for regardless of four attempts to have it changed. They instead are sending me late notices for {$5.00}, imposing late fees, and reporting late payment to the credit bureaus. 

In my opinion they are committing fraud by refusing to change my autopay amount to the correct amount and instead trying to collect fees. There is no way for me to change the amount myself, it is something they need to do.
Being the beginning of the year, I decided to update my passwords and security questions on all my cc accounts. I started with my XXXX card serviced through Barclays. I was surprised that the website did n't ask for my password, instead it asked me questions that I had never submitted as security questions. Not feeling very comfortable I called the phone number and spent several minutes trying to confirm the correct website address - the rep advised that I had to provide my TIN and DOB to be able to provide me with the website address. I refused and finally got the address from her, but when I tried it, again, I had no luck. I tried to answer the questions, however, it did n't work. It asked several questions about people and places I was unfamiliar with - so I answered those and it tells me this failed and the site was blocked. So, I tried sending an e-mail, but that info is not provided unless you can access your account. I tried calling customer service again to ask for an e-mail address ; and again refused to provide personal info as I do n't believe this should be required for non-confidential info. After 10 minutes and getting transferred to a supervisor/manager, I 'm told they do not have e-mail addresses. I 'm also told that I must provide personal & confidential info so they can decide if they will assist me to close the account. I asked for another method besides phone to close the account, as I also could n't access the website. She advised I could only close by phone. I was told I could n't close it from the website, this institution does n't have physical sites, and I ca n't go through XXXX, as Barclays is the servicer of the credit card accounts. 
What can be done to cancel an account if the consumer does n't feel confident with the person on the phone or the security of the corporation? This company has a horrible website security profile and the phone is n't any better.
XXXX XXXX established an account in my name without authorization and subsequently sent this account to collections. 

I did not agree to become indebted to XXXX XXXX. I did not authorize XXXX XXXX to create a debt in my name.
1. Wh en I make a payment it takes several days for it to process.    2.  By the time it processes, several days of interest have accumulated against the balance the loan was at before the payment was supposed to have posted.    3. G reat Lakes claims to apply my payments to the highest interest earning loan, however, behind the scenes they apply my loans evenly to different tokens, distributing the payment between subsidized and unsubsidized loans. Now, I am enrolled in school part time and eligible for deferment. Had they applied my automatic payments to my unsubsidized loans they would have been gone, now they will accrue interest while I am in school.    4.  We are allowed to allocate extra payments how we like but we are not allowed to allocate automatic payments. We have to use automatic payments to save the quarter percent in interest but in doing so we cost ourselves money by giving up the right to allocate to unsubsidized loans.
Portfolio Recovery called about " a '' XXXX XXXX, about a XXXX XXXX account with the last XXXX digits of the social of XXXX. Never had an account w/o a middle initial, never had a XXXX XXXX account, incorrect last XXXX digits of the social
I have rcvd several phone calls from this company from several different phone numbers all times of the day they have called after XXXX and before XXXX. I told the company that I have moved to another state on a previous call before XXXX and gave my new address. and apparently they failed to update their system which is clearly mishandling this account. so this morning I received a phone call at XXXX XXXX  from this company I told the representative on the phone that It was before XXXX and what address they have for me and she gave me the correct address and I advised her that it was a violation of the fdcpa to call before XXXX and I wanted to speak to a supervisor and her response was well are going to take care of this. I asked if she heard what I said and I was put on hold. A operations manager came to the line and again confirmed my address and I advised this is the 3rd time that I have gotten a call before XXXX or after XXXX XXXX and I would be filing a complaint with the cfpb and she said they have their own complaint procedure and they will file the complaint. she again confirmed my address and immediately after continued to try and collect on this debt before XXXX after me saying several times that it is a violation of the fdcpa. FDCPA sub chapter 805 section ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, ( which this comapany had contrary knowledge because I gave them a new address and they failed to update records but still had it noted ) a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX  XXXX and before XXXX XXXX XXXX, local time at the consumer 's location
On XX/XX/XXXX, I opened a new credit card with XXXX XXXX XXXX through XXXX XXXX and made a purchase of two items from XXXX in the amount of {$100.00} Unfortunately, the items did not work out for me and I made a return of one of the items in store in the value of {$36.00} on March 18 of 2018 and received a refund of that same amount. On XX/XX/XXXX, I made a return of the second item in store in the value of {$71.00} and received a return receipt showing my expected refund of ( - {$71.00} ). I waited for more than 3 weeks to receive this money back on my credit card as a refund but never did. I contacted the credit card company known as XXXX XXXX and they stated that I would have to file a charge dispute and fax them a copy of my return receipt so that they refund me the money. I did exactly that. About 2 weeks later, I received my money back and when I did, I called XXXX XXXX and closed my account with them. I was highly dissatisfied with their service and attempted FRAUD. 
On XX/XX/XXXX, I received a new statement from XXXX XXXX in the amount of {$71.00} after I had already closed my account with them. I immediately called them and they stated that the dispute, which I had submitted a month earlier, was declined and that I have to pay {$71.00}. I believe this is FRAUD - I have my receipt to prove that I returned this item and should have received my refund back.
On XX/XX/XXXX I purchased ( 2 ) tickets from XXXX to XXXX XXXX for {$330.00} at XXXX XXXX XXXX on XX/XX/XXXX. I thought the price was high since when I printed the tickets the " Full Price '' was {$78.00} each. 
At the concert we did not have seats! The General Manager told us had purchased " Scalped : tickets and she could have us escorted from the concert. But she got us folding chairs and we stayed. The GM pointed out that reselling these ticket is in violation of FL Statute 817.36 and tickets my not be resold for more than {$1.00} more over face value. Contact VISA and ask for a refund. The name on the tickets is " XXXX '', not XXXX. 
I contact Bank of America VISA and onXX/XX/XXXX I was refunded {$150.00}. I thought the case was closed until XXXX charged me {$150.00} on XX/XX/XXXX saying " you paid for the tickets, too bad for you ( XXXX ). 
XXXX  knows that XXXX violated the law ( FL 817.36 ) and is not protecting me from scalpers, etc. 
I filed a complaint with the Attornet General of FL XXXX XXXX, and she directed me to your site to file a complaint.
My payments with Stearns were {$960.00} to start in XXXX XXXX. This was to include my escrow for HOI and taxes along with my PMI. XX/XX/XXXX they started taking out {$14.00} for my PMI. I never disputed because I did n't know there was an issue. In XX/XX/XXXX they did an escrow account analysis and then sent me a disclosure that my payments were going to be $ XXXX They erroneously took the entire deficient and put my escrow account in the RED by thousands of dollars. Stearns not deducting the correct amount for my PMI actual put me into a financial hardship. I have made numerous phone calls trying to get the break down for the escrow account and to also to try and figure out where the disconnect was in the amount increase. After 86 hours of making telephone calls and getting the run around I gave up trying. I hope since now I see that I am not the only person with the same complaint something can be done. I had to bring over {$4000.00} to the closing table to get a refinance because of their negligence. They also said to me that if I were smart I should have picked up on the incorrect payments, with that being said you have to be of a certain caliber to own a home. This is a total disgrace to the mortgage industry and the scams that occur every day.
I purchased my house in XX/XX/XXXX and entered into a mortgage contract with a specific mortgage lender. In XX/XX/XXXX I realized I would soon have a problem paying the mortgage due to my upcoming unexpected retirement and divorce. At that time a new bank ( Wells Fargo ) was now servicing my mortgage. 

I called Wells Fargo prior to my retirement to discuss what options I would have to reduce my monthly mortgage payments. I was up to date on all payments at that time. Wells Fargo told me ( via phone with a mortgage counselor ) that there was nothing I could do at that time and that I should call them back once I am unable to make the monthly payments. 

Once I went into owing a couple of months arrears for missed payments, I was able to apply for a mortgage modification. The process of submitting acceptable documentation and review took about 6 months before receiving a definitive answer to the modification. The answer to my modification application was that, unknown to me, my mortgage was of a type that could not be modified. At that point I was about 9 months in arrears and no longer eligible for other types of mortgage relief. 

Despite being told that my mortgage could not be modified, I was allowed to reapply twice for a modification under different programs or new income guidelines. Wells Fargo also offered me a modification, but it was no where near the reduction that would allow me to stay in the house within my now fixed income. 

Had I known that my mortgage could not be modified before going into arrears I could have pursued a number of options that would have satisfied the mortgage and maintained my excellent credit rating. Because of the lack of knowledge of this key piece of information, I have been locked into a " Catch-XXXX '' situation with no good resolution possible for either party. 

My complaints about the mortgage servicing process by Wells Fargo are:1. Although I was notified about the change of mortgage servicer, I was never notified about a change in my ability to modify the mortgage. 
2. Their refusal to discus, prior to a payment problem existing, my ability to modify my mortgage. 
3. Their contradictory response of telling me my mortgage could not be modified, and then offering me a voluntary modification. My refusal of an inadequate modification was also used as evidence of my not accepting help that was offered. 
4. Once the modification process started I was never offered any other relief that might address my situation. I was thus placed in a financial situation, which they would be aware of, where there was no relief available. 
5. Having me apply for a modification that " can not be modified '' is a waste of everyone 's valuable time. Allowing me to apply multiple times is cruel and unethical. 
6. The lack of prior notice of modification status and lack of clear and timely communication contradicts Wells Fargo 's efforts toward " home preservation ''. The consumer was placed, through no fault of his own, in an inevitable financially-debilitating situation with long-term consequences that could have easily been avoided.
I have a Lord and Taylor credit card with a credit limit of XXXX because they had reduced my limit because of a decline in my credit score. I have n't used the card since this decline and before the decline my bill was paid on time. Recently I received a bill that I should have because the card has n't been used. Someone made fraudulent purchases on this card and I filed a dispute directly with the creditor and to date I have received and update but recently pulled my credit report and they have an unpaid balance and has closed the account without my knowledge at all.