WillisBack/dataset-financial-user-claim huggingface dataset:
My loan switched to Dovenmuehle on XXXX XXXX, 2016, loan number XXXX. I set up my on line account. On XXXX XXXX at around XXXX XXXX XXXX, I tried to login but could n't. I first pressed " forgot user name '' and got my user name 'mlestina ' by email. I then pressed the " forgot password '' button, answered a lot of security information, but never received a link as promised. I was left to keep trying different passwords until I was locked out. I tried calling in to correct this at XXXX but was on hold for over 30 minutes and gave up.
State Home Mortgage was in possession of a check in the amount of {$200000.00} payable from XXXX my insurance company for losses my home incurred as a result of a fire XXXX XXXX, 2016. On Thursday XXXX XXXX I received a call informing me that the loan ( XXXX ) was paid off. That decision was made due to miscommunication at State Home Mortgage. 
I did not receive answers to my questions regarding loan pay off ; I did not sign an agreement for pay off, I did not receive an email or phone call providing answers to my questions regarding loan pay off, nor the company 's intent to pay off the loan! 
XX/XX/XXXX, I left a voice mail for XXXX XXXX ( XXXX ) expressing my interest in discussing a loan pay off. I called back within 24 hours and spoke with her. 
Expressing my intent to rebuild the structure, I also posed several questions including pay off amount and role of mortgage company regarding quality assurance. My decision to pay off the loan was contingent upon answers to those questions and more. 
Although XXXX XXXX understood my need to secure answers before making a final decision, she was incapable of providing them, noting the complexity involved in my desire to rebuild and payoff the loan. She eagerly promised to speak with XXXX XXXX and/or others with expertise in the area and call me back later that week. 
Upon notice of the loan 's payoff, I immediately sent emails ( XXXXXXXXXXXX and XXXXXXXXXXXX ) requesting the decision be rescinded with explanation. 
Finally I likewise secured legal counsel.
This is now my 3rd complaint regarding XXXX XXXX in XXXX, Texas on XXXX XXXX XXXX. I am still getting calls at my job and my references. I have asked that the only form of contact I would like to have with this company is by mail. I have sent a letter in writing asking them to do so and they seem to disregard it. I have sent the CFPB copies of the letter I submitted and the letter they left at my job. There harassment is causing me to almost lose my job because they are not only calling the phone number i provided to them for my job, but they are also calling my emergency maintenance phone number which i am not too sure how they got that number. Here is the complaint number on the last complaint I made XXXX, also here is the complaint number for the first complaint XXXX. Again I do not want this company to call my job or my references. The only form of contact is by mail.
FIRST YOU SHOULD KNOW THAT I AM XXXX FOR LIFE, XXXX with all the extra doctor bills, I fell behind on mtg pmt and applied for loss mitigation with Dovenmuehle mtg to have them help me in modifying the terms/pmt amt/interest rate or how ever they can help. THE FIRST PACKET WAS CLOSED because of the required info requested was not received. When indeed I sent the INFORMATION REQUESTED upteen times and I have all the saved sent emails w/attachments ( unfortunately, I cant attach emails ). It got so BAD that I got XXXX XXXX XXXX XXXX XXXX XXXX to assist with the paperwork because I sent everything in. They agreed and I filled out there packet and they refused to look at it and closed the case for help. Consequently, XXXX put a ESCALATED FILE STRAIGHT TO XXXX. So they reopened a new file after being contacted by XXXX ON XXXX I received that letter and I had NO FURTHER CONTACT FROM THEM ( letter recieved states THEY WILL INFORM ME IF COMPLETE/INCOMPLETE ), UNTIL I CALLED THEM ON XXXX see whats going on because I WAS BEING HARASSED BY SERVICER FOR PAYMENT EVERY 2-4 DAYs, which started even before pmt grace period over, because after 30 days of no info, this case would have been closed. I am ALSO FILING A COMPLAINT AGAINST the servicer of Arizona XXXX XXXX. for HARASSMENT FOR THEIR IMPROPER COLLECTION PRACTICES. The loss mit dept then told me they are missing information which I emailed to them. THEY STILL REFUSE TO DEAL WITH XXXX AT XXXX LIKE INSTRUCTED, her phone is XXXX. I even emailed a stern letter to Dovenmuehle Mtg loss mit dept asking what they are doing with all my emails and attachments. I have them all saved, luckily. 

IT BASICALLY LOOKS LIKE THEY WANT THE HOUSE/LAND BECAUSE I OWE $ XXXXAND IS WORTH {$110000.00}. THERE IS NO WAY FOR THEM TO LOOSE. 

My printer is broken, so I have to send backup paperwork thru a email address as an attachment.
XX/XX/XXXX made an on-line purchase at Walmart.com. It was offered, at check-out, a {$35.00} credit if I opened a credit card. I got the credit card this day because of the Promotional Credit. Called Customer Service on XX/XX/XXXX regarding the {$35.00} credit promotion ; was told this would take 1-2 billings cycles. Called on XX/XX/XXXX & talked to XXXX, she stated this promo credit was never applied so she would push this over and it would show up in 4-7 business days on my account. Called on XX/XX/XXXX and talked to XXXX, she stated this credit would show up in another 1-2 billing cycles. Think this is a scam, and they are not ever intending to issue the advertised Promotional Credit. If a consumer didn't pay their bill on time, they would be charged interest. Walmart/financial institute for the credit card should have to pay interest for their false promotional credits.
Capitol One Auto has placed 5-30 day late marks and 2-60 day late marks. There should only be 2-30 day late marks and zero 60-day. My payments are automatically withdrawn from my account and are always made within 30-days!
REFERENCE : XXXX XXXXWhen I was deployed XXXX, my social security number was used by another to obtain a credit card. The card was opened " in-store '' and not online XXXX. I was in XXXX. It was impossible for me to open the credit card, there is no XXXX XXXX store XXXX. 
I have explained this to XXXX XXXX because they operate the XXXX XXXX card. I have given XXXX XXXX XXXX ( XXXX ) a copy of the police report. They refuse to take the credit card out of my name and insists on assigning this debt to me. 
Whenever I get this matter resolved with the credit reporting agency, XXXX changes the account number and reassigns the account to me under a different number. However, since I have NEVER NEVER applied for a XXXX -- they have no authorization to associate my identity with their business. They need to close this account and quit reporting the account as belonging to me. 
Attached are : my orders showing my deployment XXXX, a copy of the police report, and an Experian credit report.
My BOFA closed my credit card account for no reason and when I asked where my letter of explanation they said it will be there soon and I never got it. I asked multiple times why they had closed my account? They couldnt give me a definitive answer. They tired to tell me my credit must have a taken a dip or my income to debit is to high which was all lies because my credit is in excellent shape and never even have had a dispute on my credit report. I paid on time and well over the minimum payment. I suspect some bank fraud going on here I have looked into multiple social media websites and multiple people are having the same issue. 
The account had been paid off in full and is now permanently closed and for me to reopen my credit card. BOFA wants to run my credit for an account I already had hmm?
On XXXX/XXXX/2015, I filed a complaint with CFPB against Equifax ( RE : XXXX balance of {$11000.00} ) The dispute # XXXX. 
On XXXX/XXXX/2015, I received confirmation that Equifax agreed and complied to my resolution request to change the XXXX balance owed to {$0.00}. ( XXXX ). 
But, within 2 months, Equifax changed the balance back to the original amount. So, I filed a dispute on their action to report the original balance. to no avail! Equifax apparently is not going to honor the resolution they agreed to. 
I am submitting the CFPB complaint, Equifax response, Equifax dispute results ( XXXX ) and credit report info ( XXXX ) - all reflecting dates and balances. 
I am asking for any assistance you can give to help me resolve this situation, again! 
As, XXXX Bank chose to file a XXXX, cancellation of debt - I am no longer liable for this debt. 
So, I am asking that Equifax permanently delete, not only, the balance of {$11000.00}, but, also, permanently delete the XXXX Bank account from my credit report. 
" and not add it back on in a few months! '' Thank you.
XXXX case not resolved to my satisfaction consumers have rights as well when it comes to Fair Credit Act they used my info without permission and that is ID THEFT i contacted all the creditors and no response so i came to CFPB for help and you have not cleared the issue. i am a victim of ID THEFT since XXXX XXXX and still haveing problems to this day. PLEASE HELP.
I made my first title payment late because it was for more than I expected and I did not have the money to pay for the loan because it was an unexpected highest payment due to them slipping in a damage waiver adding {$700.00} to the {$1500.00} loan amount that I had expected. I was asked to add the damage waiver even tnough I carried full coverage insurance with XXXX. I got a phone call from them when I was one day late and they are now saying that I have to pay the commission waiver fee off with my {$1500.00} loan. The interest is 30 % and my payment jumped from {$150.00} to {$200.00}. They also want {$15.00} in late fees and {$6.00} to make the payment online or {$12.00} on the phone. Embassy Loans has has my loan for less than two months and they have lied to me, tried to take advantage of me as a single woman, and threatening to repossess my car! I am waiting on XXXX and I am in need of my car for medical appointments and at times have had to live in the car. I would like to refinance with better terms and I am grateful for your help! Please call me at ( XXXX ) XXXX with any questions. Thank you for your consideration!
Good afternoon, I got business loan from Bank of America 5  years ago. My financial situation changed ( got divorced ) and was trying to re-negotiate my interest rate and loan term. Bank refused to do that for 3 years now. Only put me on Forbearance.and makes my debt even worst. It is not possible to work with somebody there because they all the time changing representative. 
Now they threatening me to sue me instead to come to right solution. I do not want to file for bankruptcy, I love my profession and I would like to continue helping my patients. Bank does not understand that dealing with XXXX insurances is killing our profession. 
Please help! Thank you. 
Sincerely
I have continuously tried to leverage with Equifax. Equifax advised me that they are only reporting what XXXX is reporting and they had no desire to hear me out as a consumer and continues to report this information on a regular basis. I have contacted XXXX directly on XXXX/XXXX/15 and have had no response thereafter. How is it that Equifax can verify the data but I ca n't get in contact with anyone regarding the matter. I have also sent verification reflecting the inaccuracies in the amount due and the date of payment which would reflect the account was laid prior to collections. I want this information removed from my report.
I enrolled in XXXX XXXX XXXX School XXXX XXXX on XX/XX/XXXX for the sole reason that it not only promised to provide me with all the classes and skills for me to be successful in my career, but it promised me a XXXX For Life. '' Where in, I could continue to take classes/Labs throughout the life of my career that would advance me forward, at no additional cost. My career in XXXX XXXX is such that in order to be successful and make a living at it, continuation classes for the lifespan of your career are necessary. I took out a private student loan thru XXXX XXXX, now Navient, back in XX/XX/XXXX in the amount of {$14000.00}. In XX/XX/XXXX, while trying to schedule XXXX of my continuation classes and having the phone go unanswered, I went to there location and realized that they were now closed for business. I have faithfully paid the student loan payment each month but still owe a balance of {$5300.00}. It has become increasingly difficult for me to pay the monthly payment and also advance my career as I have been unable to afford paying for additional classes and training. Something I thought would be taken care of by XXXX and enrolling in their " XXXX. '' As a result, I am asking Navient ( formally XXXX XXXX XXXX to " Forgive '' the rest of the balance due on the loan as I believe I have paid for something that I never received ( in other words, a Breach in contract ) -- Free Lifetime Training in my Field. My XXXX # is XXXX. 
I have attached documentation substantiating what I have stated in this complaint. 

Thank you for your consideration on this matter, XXXX XXXX XXXX
I have been in a training program since XX/XX/2015, and filed the pertinent paperwork for deferment.

Despite doing this ( with the help of my universities - XXXX and XXXX ), Navient still charged me hundreds of dollars in interest! I have called to complain multiple times, and every time I get a representative who doesn't seem to understand the problem and has trouble communicating in English. I have also submitted documents through their website, and they seem to fall into a black hole ( and don't show up in the " sent '' section of my inbox on their site ). I have also emailed their " advocate '' at XXXX.

Please help me deal with this company, so I can get rid of this debt once and for all ( and I will never borrow money again ).
I was renting merchandise from XXXX XXXX here in XXXXTexas I could no longer afford to pay for these things so I had them to pick it up from my home the manager by the name of MR.XXXX came and picked up these things his self. which means I do not owe anything they got items back. And years later a collection company called XXXX XXXX XXXX is reporting this as 3 collection account one for XXXX, XXXX. I have disputed this and they will not remove it so I called the company and they tell me they do not have this account anymore it was given to a company called XXXX XXXX so why is it that they are still reporting this and don't even have the account some one does I called the reporting agencies and they say its nothing they can do I have to call the company reporting this they report what they get from the companies. it is on my XXXX, XXXX and XXXX
ACS has been applying my entire monthly payment only to interest and allocating XXXX to the principal.
Called today about the debt was n't communictated what the debt was sufficently. I agreed to pay the debt in full for deletion which the company stated they wouldnt do. Which is in violation to the " Fair Credit Reporting Act ''. I am willing to pay debt in full for deletion from credit report in XXXX hours.
I lost my job at  XXXX   XXXX   XXXX  in  XXXX  because I could not meet all of the excessive sales quotas they had placed on me. It took me several months to find a new job, so I did not have any income at all for over a month until I found my current position which is only part-time and will not allow me to work a second job. I am twice widowed and do not have any other income so of course fell behind on my payments due to this. I have been trying to catch up my rent and car payments first and was then going to make payments on credit cards by end of  XXXX , but my Nordstrom credit card has piled on  XXXX  in late fees and  XXXX  in interest, the card only had a  XXXX  credit limit and only at  XXXX  in   XXXX   XXXX     but is now at  XXXX !!! These fees are excessive and nothing but pure greed ( which they will answer to  XXXX  for in his time for trying to take advantage of a widow ) and unfair!! If they want a payment and for me to eventually pay off the actual balance owed on the card of  XXXX , they will need to remove all late fees and interest, send me a corrected bill and give me until the end of  XXXX  to make a payment. My bills are currently  XXXX  a month more than my monthly income. I also want all contact from them in writing by mail only!
I used my Chase credit card ( Cardmember Services ) on XX/XX/XXXX to submit initial deposit of {$2500.00} to XXXX XXXX XXXX, sister company of Next Level Investments, XXXX. The contract says that the company would charge the initial deposit of {$2500.00} to the card ( provided over the phone ) and the balance after the work was completed. The company charged the entire amount of {$5.00}, XXXX to the credit card without my permission. I sent an email to the company on XX/XX/XXXX informing XXXX XXXX of XXXX XXXX XXXX of this error. On XX/XX/XXXX, I emailed the company again, after he had abandoned the job site without completing the job as per the contract about the fraudulent charge. I have not heard from the merchant. I contacted Chase credit card services to dispute the charge. I sent them supporting documentation and they informed me that the charge is valid because the merchant has my signature. I contested the charge because XXXX XXXX XXXX only framed a third of the house and that I would only pay one third of the bill. I am requesting your help with Chase credit card. If the contract says initial deposit of {$2500.00}, Chase 's decision to uphold the merchant 's request is an indicator that the merchant 's actions are legal and valid. I am willing to pay {$2500.00} as agreed upon but I refuse to pay the full amount that was erroneously charged to my account.
Like many of the military veterans USAA serves, I filed for bankruptcy. I immediately confirmed my intention to pay my vehicle loan in full. However, USAA eliminated online access to the loan and refuses to even send paper statements. The only way I 'm allowed to verify account information is to call a separate phone number that rarely works, apparently due to under-staffing in the bankruptcy department. 

USAA will permit you to set up monthly automatic payments for your loan, but a representative warned me that they do not stop the payments once the loan is paid off. After inexplicably making it more difficult for members in bankruptcy to access their accounts, the policy of accepting over-payments is tantamount to stealing from USAA 's most economically vulnerable members. 

USAA also blocks members who have come through bankruptcy from full online account access granted to all other members. I was told this was " corporate policy. '' Considering the unique financial challenges facing so many of our nation 's veterans, I would hope USAA would support ( rather than exploit ) members who go through bankruptcy.
On XX/XX/2016, we accepted an offer from CitiMortgage to refinance the adjustable-rate mortgage we had with them, paying an application fee and locking in a 15-year, fixed-rate of 2.875 %. From the outset, we emphasized that the bulk of our living expenses are funded by automatic monthly withdrawals from our retirement accounts ( IRA, SEP-IRA and a tax-deferred employee savings plan ), in addition to our investment portfolio. 

After five months and countless hours of complying with Citi 's requirements for documentation -- often being asked for the same documents two or three times over -- we have been informed that our application has been denied due to " Insufficient income for mortgage obligations. '' This is despite our repeated documentation of over ample funds in our retirement accounts and steady monthly withdrawals. 

Citi 's underwriting department required : " If income is from retirement assets provide 2 months current, complete and consecutive bank statements to verify sufficient assets for income to continue for 3 years. '' Accordingly, we provided copies of our XXXX statements reflecting our retirement accounts and our bank statements -- several times. At no time did Citi ask for additional information about any of our retirement accounts, even though we offered. In the last communication from the loan processor, she stated that they had enough information to submit the package to underwriting. 

Our cash flow is more than ample to meet our mortgage obligations and living expenses. Citi has known this from the beginning, but continued to string us along and repeatedly asked for the same documents until finally after -- five months -- they declared that our income was insufficient. It is now clear that Citi simply did n't want to refinance the loan in the face of rising interest rates, and continued to mislead and deceive us. We have retained all correspondence and documentation. 

Refinance Loan # XXXX Original Loan # XXXX
I turned in the equipment from my XXXX account years ago and they continue to call and harass me. I have received several calls from spoofed numbers regarding this merchandise. During one of those calls they signed me up for services that I had not requested. I told XXXX them over and over again that I turned the merchandise in. XXXX uses bait and switch tactica and actually several times signed me up for things I did n't ask for.
If we would of known we can complain here we would of done it at the moment. The problem was with Fifth third Bank. It is a little long to write here would prefer phone call to explain, but a little is since the first month of the payment due we were wrongly charged late fees us nit being aware that the first payment was not applied do to it was not withdrawn from iyr bank account and from there were charged every month a late fee for that very first month for over 2 years. Every month was a late payment charge ys not being aware until approximately a year later if that late payment. Us thinking we were on time every month abd up to date. When we received our first xmcall with that nonsense after arguing our right abd trying to get them to understand we ended up paying the late fees around one thousand dollars. They kept calling after that! Claiming we were behind again and every month was a new late payment since they consider every month to be behind a month. My husband is XXXX and would get translaters and were really rude. I really wish we had the dates abd names of workers but we dont. He was treated wrong and once they even hung up on us since a English person answered he was asking me what the my were saying abd they hung up when they heard me translate because they said there could not be others in background speaking. I did threaten to sue and i would of if i knew Consumer financial protection bureau existed at the time. I believe my husband deserves more. He did receive a settlement for the lawsuit against high interest rate for XXXX, but i do think our situation with them was stressful the time we had that vehicle with them.
Collection agency reporting {$2900.00} as Open Account, & under collection accts ( XXXX ) times on credit report along with Original debtor XXXX also reporting, {$1900.00} as charge off. This is reported XXXX on credit report.
I WAS CHARGED FOR SEVERAL CHARGES ON MY DISCOVER CARD WHICH I REPORTED BACK WHEN THEY WERE ON MY STATEMENTS AND THE CREDIT CARD COMPANY DID NOTHING FOR ME TO RESOLVE THIS MATTER. I WILL LIST THE CHARGES ; XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX XXXX I NEVER DID BUSINESS WITH THESE COMPANIES AND NEVER AUTHORIZED ANY OF THESES TRANSACTIONS. PLEASE HELP ME GET MY MONEY BACK
Transunion charged my credit card without my knowledge or consent. They charged my card 22 months at XXXX a month. At no point did I agree to pay them. Their month charges costs me over limit fees, interests costs, and they refused to fix this problem. The manager said that they will make a note on the account to not make any refunds. I believe that I am a victim of a scam. Transunion should not have been charging my card for any reason.