WillisBack/dataset-financial-user-claim huggingface dataset:
This is a follow-up to my original complaint and response from Citimortgage. See Complaints # XXXX and XXXX. Your agency 's records show my case closed although it really is n't because Citimortgage either lied or is mistaken in respect to accusing me of missing my property tax payments in XX/XX/XXXX. Citimortgage in a letter dated XX/XX/XXXX stated that they were contacted by the taxing authority that I was delinquent in my property taxes. This is not correct! The clerk informed me they do not contact mortgage servicers if taxes are delinquent. I live in a town of about 4,500 people and property taxes are collected semi-annually by the Town Tax Clerk contrary to many parts of the country where tax collection is performed at the county or state level. Furthermore, they will not place a lien on my property unless all resources are exhausted. Furthermore, the town benefits from tax delinquencies to some extent as they charge approximately 15 % annually on late taxes governed by legal statute. As I have explained in a prior note to both your agency and Citimortgage, Citimortgage either unintentionally or intentionally damaged my financial health by their actions. Since my original Citimortgage financing in XX/XX/XXXX and through XX/XX/XXXX I had never made a late payment. Citimortgage either through incompetence or they did this intentionally pushed me into default by charging me escrow. Despite being late there was no rational reason because my town does n't place liens on properties especially when they know there is a logical-financial reason not to allow the property to go into default. Citimortgage, if they were actually competent and understood true mortgage underwriting risk, would concur with the town because my mortgage debt is only equal to less than 13 % loan to value on a tax assessment value basis or a market value basis. Citimortgage has significantly impaired my liquidity and caused a technical default and is now trying to cover their tracks by lying that they were contacted by the taxing authority ( my town ). Exacerbating the situation is the transfer of Citimortgage loan servicing to one of the worse companies in the industry, XXXX. XXXX is now showing incorrect accounting records.
If needed I will resort to legal means. I 'm guessing, given the track records of these companies, a judge will wonder why Citimortgage is creating problems for a borrower when there were no problems. I 'm sure XXXX XXXX would like to know what happened also and will find a way to get this information to them even if I have to contact my congressman.
Hi, My name is XXXX. I have a credit card with American Express ( XXXX ) In the month of XX/XX/XXXX my monthly statements were not received, and American Express reported my account delinquent. I contacted them and they agreed to remove the delinquency out as they had undeliverable address and the mail was returned to them. They faxed me credit verification release form which proves that the delinquency was corrected to never late. I keep faxing the letter to credit bureaus they remove the delinquency, but with the next month credit reporting cycle AmEx reports delinquency again. When I call them they assure me that it was removed and re-fax the letter but every month they keep reporting me late. Because of that issue I get my credit cards limits slashed, and even closed. I even got a car with a high interest rate because of bad credit. I keep calling the bureaus they tell me AmEx is the one furnishing the information, I call AmEx they assure me it was removed. Please help me with this matter, as I am stuck in between the credit bureaus and AmEx. 
Thank you very much.
I am enrolled in a credit monitoring program and I received an alert stating that on XX/XX/17, a company called Rosebud Lending performed a hard credit inquiry. I never authorized this company to do a credit check. 
I contacted them several times and initially, they denied performing a hard inquiry saying that they only performed a soft pull. I sent them proof and then they said that I gave permission which I did not. 
They refuse to remove the hard inquiry.
I have had awful experiences with Navient including : Being signed up for forbearance 3 times, improper disbursement of payments, harassing phone calls at all hours of the day, all day, in excess of 10 times a day, to myself and my family that cosigned. I was never encouraged to enter a repayment program. Since learning about repayment programs, I attempted to enter an income based repayment program but was told I could not do so at the time. I also attempted to consolidate all of my loans together into one. They denied that request but went ahead and consolidated together a couple of my smaller loans which did not benefit me in any way. As a matter of fact, that consolidation hurt my credit significantly. When I challenged them about this consolidation they told me they could not do anything about it now. I then asked for the promissory note bearing my signature to this new consolidation loan ( which I knew did not exist because I would have never signed off on what they did ) and they assured me they would send it by mail. They never did ( of course not ) and I am not in any better place than I was before with my loans. As of writing this I owe {$100000.00} for an XXXX Degree I earned in XX/XX/XXXX. They took a systematic approach to increase my debt as much as possible since getting these loans in XX/XX/XXXX at every level. It has been a nightmare that has affected me at every point of my life. I continue to struggle to find my financial footing and have postponed many benchmark achievements in my life due to struggles over this debt.
On Friday XX/XX/XXXX at approximately XXXX Credit Acceptance Corp withdrew an unauthorized amount of {$390.00}. Again, on Friday XX/XX/XXXX at approximately XXXX, Credit Acceptance withdrew an authorized amount of {$500.00}. 

I called the customer service line at XXXX on Saturday, XX/XX/XXXX and was told by XXXX there was " nothing she can do for me to refund then near unauthorized {$900.00} taken '' from my bank account. XXXX proceeded to make me feel as though I was trying to scam the company, claiming " someone in your house processed two payments '' ( which I told her was not the case. Nobody was on the computer at this time ) and refused to help on the matter. 

XXXX then advised me to call my bank to dispute the charges as " there is nothing she could do ''. I proceeded to call my bank, XXXX XXXX, who were both surprised and alarmed Credit Acceptance would not assist me in the unauthorized payments. 

XXXX XXXX processed two disputes on both payments. I fully expect Credit Acceptance to accept these disputes.
I am a victim of TransUnion inquiry glitch, Contacted TransUnion for help, but did not receive any help.
Went to rent an apartment and the company ran a credit report. On that report it showed that in    2014  I owed {$4000.00} plus dollars to a company called  XXXX   XXXX   XXXX   XXXX  in  XXXX   XXXX  MI. I have never lived in that area and during that time lost my identification and Social Security card. I believe this is a case of identity theft and need to resolve this issue in order to clean up my credit so I can rent an apartment in  XXXX   XXXX  MI.
XX/XX/XXXX, I tried to take out a hardship from my 401K they denied it twice charging a total of {$90.00}. Instead of letting you know what missing paperwork you have to approve it, they deny it to maximize their revenue. They told me insurance is pending so it doesnt qualify if insurance doesnt pay itll just make the bill even more and the amount I requested didnt cover the complete bill anyways. I pointed out where insurance was forwarded to the bill and patient balance was {$490.00} they said that wasnt good enough. No where on their website do they describe exactly all thats needed or what exactly is appropriate information! They said they needed patients bill showing what insurance covered I sent them the bill that says what insurance was pending and the patients balance. Their requirements arent specific on whats appropriate or not.
house fire, insurance sent check with nationstar morgage as a payee sent to nationstar in  XXXX  they issued a check when we tried to deposit it, there was insufficient funds then a stop payment. Nationstar opened a suspense account in  XXXX  then wrote  two corporate advances for the entire amount then replaced the money in  XXXX . For  two weeks I have not been able to resolve this issue. nationstar says there is no stop payment. finally a supervisor contacted our  adjuster  I do n't know what they discussed but I did receive the supervisors name and number which have been calling but the call goes straight to voice mail says sorry not available.   The  contractor  has stopped work on the reconstruction of my home because he has not been paid.   Also they disconected the pay by phone feature in  XXXX  so my payment was late and they are charging an outrageous late fee of {$74.00}.
Guild mortgage company keeps mis-managing my account. My first year with them they added home owners insurance to my account even though they had proof at I already had my own home owners and they were paying the bill from my escrow, after months of phone calls they finally rectified the situation. Then  XXXX  of   XXXX   I received a letter from them stating I had a shortage in my escrow account. They assured me that it was due to an error my loan officer had made and I had not paid in enough at closing. Seemed legit and I did n't know how to investigate to prove otherwise so I paid the shortage. I have received another letter stating that I have another shortage again. This time much larger as indicated by the attached document. My first phone call to them the lady I spoke to said it 's normal and it is what it is. She was very indifferent towards me and not any help. I called again the next day and the gentleman I spoke to was much more helpful. He indicated to me that they had to use my {$800.00} cushion that is mandated by law and an additional {$670.00 } ( that they gave me and I owed them ) t o pay taxes from my escrow account. He said it was because of a tax increase. My taxes in   XXXX   only went up about {$200.00} total. Hardly the {$1400.00} they took. When I explained to him that it did n't make sense, he would n't agree but did look into it further while I was on hold. He got back on the phone and said he could NOT explain it and he would forward me to the " impound '' department who would be calling me withi n 3-5  business days to explain what happened. There is definitely a serious problem with this company and I have read else where online that I am not the only person to have had issue with how they do business or handle escrow accounts. After this conversation I asked what my excels balance was and he said it was over {$3000.00}. Hardly a {$1400.00} shortfall.     In the end the paper says my shortage is {$660.00 } ( which I made a payment last year to cover a shortage already ).  But their solution is to increase my monthly payment from {$910.00} to {$990.00}. That is not {$660.00} but {$990.00} over 12 months. I can not say for sure what 's happening but it sure looks shady to me!
When I was XXXX year old I wanted to purchase a car. I knew that I was n't going to able to purchase without a co-signer. So, I asked my parents to co-sign but they told me that they could n't co-sign because I was n't financial stable, my credit was not established and I did n't hold a job for more than XXXX weeks at a time. Prior to purchasing the car I had over XXXX jobs between ( XXXX through XXXX of XXXX ). Eventhough, I knew there would be no way somebody would loan me any money to purchase a new vehicle, I still decided to explore on my own one weekend in XXXX XXXX. I ended up at XXXX XXXX XXXX XXXX in XXXX, MO. Where I was greeted by a salesman named XXXX. I test drove a XXXX XXXX XXXX charger and was told that I would n't have no problems getting approved. Well, I was astonished that I actually got Approved to purchase the car. The car loan was for {$25000.00} for 7 years. I traded-in my XXXX XXXX ( my parents ) for {$1000.00}. Prior to getting the news that I was approved I told the loan officer my income/credit situation. Which was this : The year prior ( XXXX ) of purchasing the vehicle I only made {$5600.00}. I bounced around from job to job. No stability whatsoever. XXXX, the year I was approved for the loan my income for the year was only {$10000.00}. But I purchased the car in XXXX of XXXX which was only the first 6 months of that year of making {$10000.00}. I had only been on my job for XXXX weeks. My credit was n't too terribly bad but none the less, my income alone should of raised a RED FLAG!! I had XXXX loan out for XXXX which my parents co-signed to try to establish some credit. That loan was through XXXX. The payments were {$120.00} a month for 18 months. My car payment is {$450.00} for 7 years. With an income of only XXXX the year before and I already had an an installment loan out for {$120.00}. I was baffled as to how I was Approved for this car loan. My life since having this car has been, to say the least, so Stressful trying to keep up with these payments. Which I have n't ... .the car has been reposed once and as of now looking to be reposed again. My parents have helped me out making my car payments numerous times and they will not continue to do so. Because of the economic conditions of the job market, I as still struggling to finding fulltime work with my experience. I am now XXXX year old and my credit has bombed. I should of never been approved for this amount of loan with this high payment with my credit, financial situation back in XXXX. I am so depressed because of this situation and need you to reevaluate my situation and make this right.
On XX/XX/2018 I received a phone call from " The XXXX XXXX '' in Nevada stating that I was going to be taken to court if I did not pay {$960.00} for a US Bank debt from XX/XX/XXXX that then went into default in XX/XX/XXXX. I have no idea what this is from. Regardless, I asked repeatedly on the phone for them to email me this information or to send it to my current address ( which they did not have ) via US mail. They refused and stated that I had 5 days to pay this or it would go into a XXXX XXXX and then I would owe {$1600.00} and then if I didn't pay that I would owe over {$3000.00} because it would then go to court. 

They stated twice that they tried to summon me at an address that I had had mail delivered to ( a friend lived there ) when I was younger and traveling. I have not had anything to do with that address for 15 years. 

If I owe the money, I will pay it. However, I want to see it in writing so that I can verify it. This XXXX XXXX refused to send me anything in writing.
BBVA Compass blocks the use of my atm card because they believe it has been used fraudulently. They flag my card because I am traveling and I use it in a foreign country. I notify them that there is no fraudulent use, all transactions are mine, and that the card is in my possession. They refuse to unblock the card until I show them at a local branch that I am actually the correct person with the card. How am I to do that when I'm 14 hours by plane from home? They expect me to stop my vacations/travels, fly to one of their branches, prove who I am, and then fly back to continue my vacation?

I do not have any access to my money/accounts when I need it most ( traveling ). They have effectively kept me from my money until I return home and they make it extremely difficult. 

The latest occurrence was on XX/XX/2018 and I still do not have access to my accounts. This is the second time this has occurred while traveling.
I opened a checking account with Citizens Bank with a promotional coupon that promised to give me a {$200.00} bonus if I met the terms. The terms were to set up direct deposit and have one direct deposit of {$500.00} or more, to not have been a primary signer on another checking account in the past 6 months, and to have an account in good standing. All of these terms were met, and I called the bank repeatedly after the 3 months that they told me it would take to receive the bonus. I have not received the bonus after more than 6 months.
I HAVE A LOAN WITH TOWER LOAN IN XXXX XXXX LA. I AND HAVING EXTREME FINANCIAL DIFFICULTIES AT THIS TIME AS MY HUSBAND HAS BEEN LAID OFF SINCE XX/XX/2015 AND I AM THE ONLY ONE WORKING. I HAVE BEEN TRYING TO PAY THEM AS MUCH AS I CAN EACH PAYCHECK. I AM NOT IGNORING THIER CALLS I AM IN CONSTANT CONTACT WITH THEM. AS I AM WITH MY OTHER CREDITORS. THERE WAS AN INCIDENT WHERE I WAS SET TO BRING IN A XXXX PAYMENT AND THE NEW MANAGER OF THE OFC INSTEAD OF CALLING ME CALLED MY REFERENCE AND TOLD HER ALL OF MY BUSINESS. HE TOLD HER HOW MUCH I OWED AND THAT IF I DID NOT COME UP WITH THAT AMOUNT OF MONEY THAT THEY WERE GOING TO SUE ME. THIS IS NOT THE WAY TO DO BUSINESS. THERE WAS NO REASON FOR THEM TO EVEN CALL MY REFERENESES. I XXXX AND I KNOW TGAT TE ONLY TOME YOU ARE TO CALL THE REFERENCES IS WHEN YOU CAN NOT GET AHOLD OF THE CUSTOMER. THAT IS NOT THE CASE HERE THERE HAS NEVER BEEN A TIME WHEN I HAVE NOT KEPT INTOUCH WITH THEM. THE PREVIOUS MANAGER TOLD ME HERSELF THAT SHE NEVER HAD ANY PROBLEMS WITH ME THAT I WAS A GOOD CUSTOMER. I ONLY STARTED TO HAVE TROUBLE PAYING WHEN MY FINANCIAL SITUATION CHANGED SO DRASTICALLY IN XX/XX/XXXX. AND I WAS BEGGING THEM TO WORK WITH ME. WHICH THE XXXX 's IN THE OFC WERE DOING BUT WHEN THE NEW MANAGER CAME ON BOARD HE DECIDED THAT HE WAS GOING TO NOT WORK WITH ME AND THAT IS WHEN HE CALLED MY REFERENCE. I DID FILE A COMPLAINT WITH THE COORP. OFC.
Creditors Speciality Service Inc sent me a document saying I owed {$100.00} because of XXXX at  XXXX XXXX XXXX in XXXX, Idaho. We paid the amount XX/XX/2015 and thought this issue was resolved. I recently pulled my credit report and noticed that I am still in collections with XXXX XXXX XXXX. How do I resolve this issue?
Me and my husband deposited {$1600.00} cash to Wells Fargo ATM ( XXXX XXXX XXXX XXXX, Wisconsin location ) XXXX on XX/XX/XXXX XXXX. 
After put all 30 bills ( {$100.00}, {$50.00}, {$20.00} ) screen said error occurred and gave us {$0.00} receipt, and it said no action needed. 
But I claimed next morning because I didn't get that money I got {$0.00} only. 
After 1month later Wells Fargo deposited to my business account temporary deposit {$1500.00}, but they sent me letter another 1month later couldn't find {$1500.00} but found {$60.00} only and they took {$1500.00} from my account. 
I claimed two times but the final letter said Wells Fargo bank couldn't find any extra money and closed case. 
I talked to one of research associate and she said there was no extra money and no error and any malfunction on ATM at that time. I asked her I want you to prove that, but she said case closed. 
But when i talked to ATM claim department for my first claim he said that ATM was jammed at that time. 
She lied. 
That money for my business account. 
( customer 's phone bills ). 
We did cash deposit once a every week after work to same location ATM about same or more amount. 
I don't know where can I ask help. 
Please help me to find my money. 
Please help..
In late XX/XX/XXXX I attended a one day seminar sponsored by XXXX XXXX XXXX based in XXXX, MA. The purpose was to introduce how to sell on XXXX and XXXX. There was a heavy sales pitch toward the end to purchase training DVD for {$990.00}. Then, another pitch to attend a 3 day seminar at a local hotel conference center. In XXXX, XXXX I attended the 3 day seminar held by XXXX XXXX based in XXXX, MA. The purpose of the seminar was to show and introduce how to sell on XXXX and XXXX and make a lot of money in more detail. On the 3rd day, a heavy sales pitch on purchasing what was called the XXXX XXXX which included lifetime support, telephone support, product forward/screening prior to shipping to XXXX XXXX and purchasing products to sale all for {$34000.00}. I.e., a pre-paid service. {$12000.00} of this amount was charged to my American Express Business Open account. The XXXX XXXX gave us a Top 500 list of wholesalers and suppliers. I noticed that the so-called 'Top 500 '' wholesalers list the Bowsers gave us were for the most part a dead end list because their " wholesale '' prices from these wholesalers were just too high to be profitable on XXXX . I spent untold hours crunching numbers and using all the tools they showed us and spreadsheets to the point that I was beginning to get suspicious. While these wholesalers were legitimate, they just did not have good prices according to the XXXX Sellers revenue calculator. So there went the Bowsers lie about looking for products is easy takes little time. Later this spring in XXXX, I learned that on XX/XX/XXXX, XXXX and XXXX XXXX XXXX of Washington State, filed a consumer protection lawsuit against XXXX XXXX XXXX of XXXX MA. In XXXX, XXXX, the Federal Trade Commission sued XXXX XXXX XXXX XXXX https : //www.ftc.govXXXX https : //www.ftc.govXXXX https : //www.ftc.govXXXX On XX/XX/XXXX, I contacted American Express and explain this and they refused to assist me. Another major credit card has refunded my money that I use to charge part of the other remaining {$34000.00}. 
Because of the lawsuit, I have lost all my promised prepaid services and support from XXXX XXXX XXXX.
This company has been deploying Unfair, Deceptive and Abusive tactics on their attempts to collect debts that they have been assigned to collect. Unwilling to work with consumers, filing suit and entering default judgments without properly serving the individuals involved. Should receive monetary reprimand. XXXX XXXX should be removed from his positions as his techniques have been deplorable to say the least. Making threatening statements to individuals is by exact definition abusive. Threatening to sue and report to your credit bureau as well filing suit without properly serving consumers.
XXXX XXXX XXXX XXXX my debt to XXXX XXXX. This debt was paid in full on XXXX/XXXX/XXXX. Both XXXX and XXXX show on my credit report as negative. XXXX agreed to remove the debt from reports once paid in full. I have called them multiple times since my XXXX payoff and they are telling me that they have done what they need to do to remove and it 's out of their hands. I have filed disputes with all 3 credit reporting agencies and they say the information is correct. 
XXXX tells me that when they sold the debt to XXXX their negative reporting should have been removed. Again, I have filed disputes with all 3 agencies and am told that the information is correct. Meanwhile XXXX and XXXX say that they have done all the were supposed to do to have removed. 
No one is taking responsibility.
I would like both debts removed from all 3 agencies report.
I have always had big issues with XXXX XXXX and Navient offering XXXX '' at the rates that they do. I was sent offers and decided it was a good option at a time I did n't have funds to move, thinking that I could pay it off relatively quickly. I ended up taking out a {$13000.00} loan at 14 %! The bigger trick to it all is that it is a loan you ca n't refinance. I spent 3 years of XXXX struggling to keep up and having to do forbearance on other loans. I tried to refinance and it was n't an option. I ended up getting a lump sum loan from my wife after we married to pay this off. 

My biggest issues are that these are predatory practices .... aimed at targeting a population that they know is a safe loan ( meaning it should be a low interest rate ) but also know the burrowers ca n't pay off until 3-6 years have passed. Hiding in the inability to refinance these loans is a good business move for them but a shot against consumers.