WillisBack/dataset-financial-user-claim huggingface dataset:
I called Round Point Mortgage on a few months ago on XX/XX/XXXX to make a payment over the phone. The lady asked if I 'd like to set up automatic payments for the future. I asked her ... to make sure ... that it would NOT auto draft a separate payment that same month out of my account. She said no- ( seems like a silly question but this is exactly what happened ) on XX/XX/XXXX my monthly mortgage was drafted out of my account again. 
I was devastated because this was right before XXXX. Not only did this drain my account but now it was going to make me financial unstable during the holiday season along with other bills I had to pay. I called Round Point back to file a complaint and to ask them why this happened. They proceeded to tell me it 's because I set up auto payments but in reality ... I even asked to make sure it would NOT be taken out a second time. I stayed calm as they told me they would send me a check in 2-3 business day and followed the correct procedure by providing them with bank statements to show the withdraw. A few days passed and I never received a check. I called back round point for them to tell me " Oh, I 'm sorry they meant to tell you 5-7 days '' - ok wow. Whatever ... so I waited a few days. I called back again after I did not receive a check. Then someone said " Oh, well I am sorry they should have told you 10 days '' ... wow, now I 'm getting angry. I waited a few more days - I never received a check. I then called back to ask if they could please cancel this check and send me a new one since this one was apparently lost in the mail or never made it to my address. I called back and asked for this issue to be escalated- they told it would take another 10 days before I got my check. This time I asked for it to go to a different address ( my boyfriends house - in case something was messed up with the mail or that address ) I called after another 10 days ... .they still told me to wait. I explained to them numerous times this was a huge burden on me - and this was Round Points fault in the first place - they were welcome to listen to the call if they 'd like. I have been patient enough- I called them to threaten a complaint with the CFPB and " now '' they said they would send me a check in the mail over night .... I am done playing their games. I need this money to pay my bills. I 've been so stressed about bills and was not able to afford to get my family what I wanted because I refuse to miss a payment on any bills ( and I 've never missed a payment ) just to prove a point. At this point this complaint it necessary and this issue needs to be investigated. This could be happening to more people than just me- I know how stressed and frustrated I have been because it is now XX/XX/XXXX and I still have yet to get my {$1300.00} back into my account. I 'm furious and never get the customer service I deserve with this company.
In XXXX of 2014 we FINALLY came to an agreement with Ocwens lawyer, XXXX XXXX from the XXXX in XXXX, NC to modifiy our mortgage. This modification agreement was subject to a dialogue to get clarification regarding the escrow. On XXXX XXXX, 2014 the Ocwen lawyer XXXX XXXX finally was able to get clarification from their client that stated that : " The answer to your question is that the escrow shortage has been made part of the new outstanding principal balance due under the modification. The shortage ( which was identified in his XXXX/XXXX/14 email to be ( {$39000.00} ) ) will get repaid during the life of the loan upon repayment of principal and interest. " However, just a few months later they have wrongfully increased the escrow by 75 %. I have contacted them and over the course of two weeks still can not get this corrected despite forwarding these clarifications to them and several conversations with their escalation specialist XXXX XXXX. So once again the mortgage servicing is XXXX up and Im using my time to XXXX it as well as pay the increase in the interim because their system will not allow for a short payment. While XXXX XXXX is quite nice she doesnt have the ability to undersand the problem nor authority to correct it. She says she will call back in 5 days with better clarification. Im not holding my breath. I guess I need to again hire a lawyer. What a stupid mess.
Nationstar Mortgage will not remove the PMI on my FHA loan eventhough I have enough equity in the property.
I have disputed the existence of the inaccurate account on my credit file listed by XXXX XXXX XXXX XXXX XXXX. My Illinois license plate was stolen and I filed a report of the plate being stolen. The individual who stole the plate ran up {$1600.00} worth of unpaid Illinois toll fees. I spoke with the XXXX XXXX XXXX XXXX XXXX  and they stated that they do not report to the credit bureaus. I have corresponded with this credit bureaus directly numerous times with no positive recourse.
in XXXX of 2015 I received a phone saying I was behind in my XXXX air credit card payments. this was very shocking to me since I have been on auto pay for years and have never had a problem. 
the representative said they were from first bankcard of Omaha. I was also told that they bought my account from XXXX bank. through conversation I found out that when they made the purchase they did NOT transfer any of the auto pay data and that I was 3 months behind and had to make a {$2200.00} payment immediately. of course I freaked out!!! I was never informed of any of this. I do n't read the bill, that 's why I 'm on auto pay. I paid the bill, and worked with the service person on restoring my auto pay feature sto avoid this in the future. 
XXXX 2015 this repeated again with a threat to sue me for the money that I thought was being paid. 
I told them about the XXXX problem, they said nothing was done. I complained that they were acting irresponsibly and this was a trick of some type and told them I would have my attorney contact them. They would n't even talk to them. 
now they hired attorneys to sue me for a problem they created by being incompetent. I 'm not arguing about the money owed. I 'm complaining about the lack of responsibility of there actions that are now causing me damage for no real reason, other that poor banking practices. 
thank you
I have continuously disputed an incorrect address that is listed on my credit report and Equifax insist on leaving the address and states it belongs to me. I have never lived at that address listed, it 's in a different state. This has caused numerous accounts that do n't belong to me to show up on my credit file. They are the only credit agency that I have had this problem with. It started back in 2010 that I know of and it 's not in a result of Identity theft. The accounts that I have disputed to be removed from my Equifax credit file do n't have a SSN listed so they seem to be matching the first and last name and DOB. The other person they get me mixed up with I found out has a different middle name and lives in a different state.
On XXXX/XXXX/2015 I received a collection bill from XXXX, informing me that they were attempting to collect a bill on behalf of Pinnacle Credit Services , LLC. After receiving the bill I agreed to pay the portion that I was responsible for. On XXXX/XXXX/2015 I paid the bill in full and got a confirmation from them, advising me that as soon as the payment posted the account would be satisfied and listed as " paid collections '' and closed on my credit report, I was advised that they would contact Pinnacle Credit Services, and let them know that this was now a " paid collections '' and would be closed. To this day I have contacted Pinnacle Credit Services LLC and XXXX as my account is showing a {$0.00} balance but is still showing as an open account, I have yet to receive any answer from them.
I complained about Ocwen Servicing harassing phone calls. Once I submitted a claim with the Attorney they began Foreclosure proceedings on my home. I believe I should be protected under the Whistleblowers Act.
My name is XXXX XXXX and I am writing a complaint against the law firm of Slovin & Associates of XXXX, Ohio in regards to my student loan account which they purchased. 

I have repeatedly requested a written record of my account details including my remaining balance and the interest rate ( which I was told was 12 % ). 

I spoke with a woman named XXXX on several instances ( the last being XX/XX/2018 ) and was given verbal confirmation that my interest rate on a student loan was at 12 % .I expressed my concern at the absurdly high rate and she informed me that I could submit a letter for review requesting a lower rate. 

After a month had passed with no written letter containing the information I requested, I made another phone call on XX/XX/2018 and was connected to a man named XXXX. 
He told me that he was legally not allowed to send me any information on my account in writing. When I pressed him on this issue, he couldn't back up this statement with any fact and actually started to laugh at me the more questions I began to ask. 

When it comes time to pay this law firm every month ( which I have been ) they have no problem taking the money, but if I request information on the details of my account, they tell me it is illegal for them to do so. How is this legal? How is laughing at someone trying to get information acceptable? 

This is also the law firm that sued me and garnished my bank account of the only 2,200 plus dollars that I had to my name. I had no money to live on for months.
I lived and went to school in Washington, DC from XX/XX/XXXX-XX/XX/XXXX. When I decided to leave DC I disconnected my XXXX ( XXXX ) account and paid off and verified the account was closed in person. I was made aware that account was closed and that I owed no money. That was over 5 years ago in XXXX ( closed the account ) and XXXX ( paid the last months balance ). I recently, mid-late XXXX, received notification from XXXX XXXX that I have a collection on my XXXX credit report, and my credit dropped in the 600s. It showed that it was XXXX and that the collection account was activated in XXXX XXXX, for a total of {$340.00}, an amount I never accumulated for an electric bill. I haven't received any notification from XXXX that I had a deliquent account or an outstanding balance in the past six years since closing the account, I also still haven't received anything from the collection agency, Transworld Systems, when the account was in collections with them. Fair debt collection practices states that they are to contact me within 30 days of the account opening. I've called and left messages with my address and phone number on numerous occasions : XX/XX/XXXX ( X2 ), XX/XX/XXXX, XX/XX/XXXX ( X2 ), XX/XX/XXXX, XX/XX/XXXX. I wanted to get clarification as well as explain my experience and knowledge of the account. If necessary, to negotiate payment and work to get this removed completely from my account. I know for sure that I paid my balance and was told in person that the account was closed and resolved, so either the company continued an account without my knowledge and permission, or reopened it for that apartment again without my knowledge and permission. Representatives explained that the collection agency is located within the utility business, and while the XXXX representative would not give me details of the account she forwarded me to the collection department, which I continued to follow up with, to no avail over a month later.
occasionsSwitched cell phone carriers from XXXX to XXXX on XX/XX/XXXX. The final XXXX bill was brought to XXXX and they mailed us XXXX pre-paid XXXX cards with the early termination and fees total. We sent everything to XXXX and paid the outstanding balance so that we had a zero balance. The following month we received another bill from XXXX stating we owed another month of service totaling approximately {$280.00}. 

We contacted XXXX and explained we have all the documentation proving we had paid everything in-full and no longer was with them, but they were adamant we owed the money for a difference of XXXX days between the billing cycle and when we actually left their service. 

We tried on several occasions to correct the problem, but it was to no avail. After a few months we found that XXXX had actually put us in collections and it was having a negative effect on our credit scores and history. We started receiving repeated phone calls from a collection company ( ERC ), but again they just wanted the money and did n't want to hear anything but how we were going to pay it off. We finally researched how to file a complaint against these companies for their actions are awaiting resolution.
The XXXX XXXX credit card that had a XXXX limit was used by XXXX XXXX XXXX while I was XXXX at XXXX XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX this can be verified call the XXXX and ask for records. I've disputed this with all companies. Experian is the only one that won't remove this. I've spoke with XXXX XXXX as well, the fraud people there took no time to make a decision that this was not fraud just because I didn't make a police report, well it is hard to make a report against someone who is deceased XX/XX/XXXX XXXX obituary. I did not use the card nor could it be possible for me to use it. Now they want to add {$180.00} in interest and offer me a 60 percent settlement which turns into paying XXXX for a XXXX limit. I'm not paying interest on a card I never used. Every month they report FP failed to pay even though they closed this account and charged it off YEARS ago.
I applied for assistance in saving my home from foreclosure with my servicer PNC Mortgage. I was denied for a loan modification and was offered instead to short sell my home. I hired an attorney / real estate broker to handle my paperwork and sale of my home. On XXXX XXXX, 2016 I was denied for assistance. My denial letter ( Attached ) states I can appeal my denial by XXXX XXXX, 2016. However my servicer PNC has set a sale date on my home for XXXX XXXX, 2016 and they state they will not extend that sale date. My attorney email 'd an appeal to that denial on XXXX XXXX, 2016 and PNC has not yet replied to that appeal. My attorney spoke with PNC advising them that they would be violating RESPA XXXX XXXX XXXX XXXX ) by continuing with the sale of my home while my appeal period was still in effect. I have this offer in writing ( see attached denial letter ). I simply want PNC to give me the opportunity offered to me both in writing in their denial letter as well as is offered by RESPA XXXX XXXX.
I have proven my standding with facts, and bank of america has shown no clarity or validation thats my debt. They responded with their rules with no proof of applicability and presumptions and threatened to report me to  XXXX  for an ALLEGED debt which is a computer error created by a  XXXX . boa are crimnals and now im going to show   XXXX   XXXX   americans how boa committs morgage fraud and steals houses. You really  XXXX  me off. Yu owe damages for punative and a  XXXX   XXXX  $ $ $ for using my name as a vessel/bond > fictitious name!!! YOU MISCREANT CRIMINAL LIAR FRAUDSTERS!!! CANT RESPOND TO ME AFTER HOW MANY MONTHS, ARE YOU CONFUSED? OR JUST GUILTY AS  XXXX ? thats not my name on that paper you  XXXX !! and i dont like your threats,  youcan t ake  XXXX  and shove it up your  XXXX , your response said you closed the account, SO CLOSE IT ALREADY AND STOP USING MY PERSONAL AND PRIVATE INFORMATION!!! YOU READ YOUR LETTER YOU SENT ME AND LOOK AT ALL YOUR     XXXX   UPS!!!     This legal notice being sent and delivered to you persuant to   XXXX     Statutes 48.081  NOTICE! The use of fictitious names or addresses ( ALL CAPITAL LETT ERS ) in  a private individuals name, or a ZIP CODE, against the individuals wishes, is a crime unde r Title 39 U.S.C.  Section  3003, Title 18 U.S.C. 1302, 1341, 1342., and is pu nishable by up to 15 years imprisonment and {>= $1,000,000} fine.
This company calls my ex-husbands grandmother on a regular basis- I am not sure who they are but they keep saying I owe them a debt. I have called back before and asked them not to call her as she is no longer family and they refuse to stop. Rather than stopping, they will tell her that I am going to jail for the debt I owe to them and that I defrauded their institution. After calling them back, the calls will stop for a month or so, but then they start again. I'm not sure how to get them to stop calling but this is very frustrating as I don't appreciate them sharing a debt ( that they have yet to confirm ) with other people. I also am concerned about her health, these calls stress her out and she is XXXX years old and taking XXXX medication. This needs to stop!
Negative reports such as Pre-forclosure still in XXXX and multiple late payment reports on my mortgage account considering they are receiving my monthly mortgage payment automatically sent by XXXX XXXX  through our checking account. I was never contacted so it was a complete shock to me and my family that we will homeless unnecessarily! 
I settled the issue with Wells Fargo in order not to lose the house and in good standing but because of these negative reports I can not get a mortgage loan after we already put out house on the market. I was told I could never get a new mortgage loan right now due to this.
Key Bank called my cell phone on Friday, XXXX XXXX asking to speak to someone other than myself. When I informed them that they had the wrong number the caller became irate and accused me of lying about the fact that they had indeed called the wrong number. I believe that Key Bank is also responsible for a call I received XXXX weeks ago from an attorney 's office looking to collect a debt. They left a message and when I called them back they told me they had no information to give me as to why they called but wanted me to volunteer my name which I refused to do.
The Company That We Are Making Payments To Towards My Credit Isnt Reporting Because Its Not Showing On My Credit Score.
Sent XXXXXXXX XXXX XX/XX/XXXX informing them that my ex-husband XXXX XXXX filed bankruptcy XX/XX/XXXX furthermore the court has entered an order of discharge releasing him from all debts. Nevertheless, XXXX placed debit on all three credit reports. I requested them to remove debit from my credit file per bankruptcy on XXXX XXXX credit file original account holder. Contacted all three credit reporting companies XX/XX/XXXX and XX/XX/XXXX to file disputes, however they did not remove item from my credit report.
Currently Discover Credit card is running a promotion. Customers who use XXXX with discover card can earn a 10 % cashback on all eligible purchases. The exact terms and conditions are " Earn an extra 10 % Cashback Bonus on up to {$10000.00} of in-store purchases when you use your Discover card with XXXX now through XXXX/XXXX/15. Excludes gift card purchases. No sign up needed. Rewards earned are in addition to your standard rewards and are added to your Cashback Bonus account within XXXX billing periods. See Cashback Bonus Program Terms and Conditions for more information. '' I have made some normal purchases through discover with apple pay. However, I have received emails saying that your XXXX purchase on XXXX for $ XXXX at XXXX included a gift card. The gift card portion of your purchase does not qualify for the 10 % Cashback Bonus ( R ) promotion. 

As a reminder, now through XXXX XXXX, 2015, you 'll earn an extra 10 % Cashback Bonus ( R ) on up to {$10000.00} in purchases when you shop in stores and use your Discover card with XXXX, excluding gift card purchases. 

If you disagree with our finding and contend that your purchase did not include a gift card or a portion of your purchase qualifies per the terms of the promotion, let us know with supporting documentation in the next 21 days. Documentation can include store receipts or invoices, but can not include your Discover card statement. You can send documentation via email : Scan and then e-mail to XXXXXXXXXXXX My purchase did not include any gift card. And I am required to provide evidence for that. However, under the terms and conditions for XXXX Cash Back, it is not stated anywhere that customers are required to keep receipts in case discover suspects it is gift card purchase. Hence, I did not keep any of my receipts associated with apple pay purchase. And I have nothing I can show to Discover. Moreoever, I feel that, Discover is violating their own terms and conditions by asking customers for receipts, because they did not ask customers to keep the receipts in the first place. Moreover, the voices that I have heard over the Internet suggests that Discover is just randomly flagging purchases of large amounts as gift cards, and request consumers to provide receipts in order to honor the cashback. This is extremely unfair to the customers.
The company calls me non stop back to back and when I do talk to them they threaten to have warrants put agianst me and they threaten to have the police come to my house to arrest me
{$59000.00} mortgage, payment with no taxes {$440.00}, income {$400.00} average per week after tax, interest % XXXX Wells Fargo Bank
At approximately XXXX on XXXX/XXXX/XXXX I was contacted by phone at my residence by a man claiming that he was in the area representing a firm by the name of XXXX. The firm was sending him to serve me with sealed legal documents that would require my signature. He stated I was being sued by XXXX of their clients. When I told him that I have no idea what he 's speaking of or who would be wanting to sue me, he then gave me XXXX and case # XXXX and told me to call the firm and they could explain. When I called the number the rep told me this was in regards to an HSBC debt of {$1200.00}. A debt that I have disputed since XXXX and more recently in XXXX. When I explained to the rep that I have never received any notice in writing from their firm and that I still dispute the debt. I was then told I had to pay in full immediately or I would be served legal papers today taking me to court. When I refused I was then offered a settlement for the half the amount. When I refused I was then sent to another dept and offered some kind of payment arrangements. When I continued to dispute the debt I was told I would be served legal papers today or within the next few days and they would see me in court. Then the firm abruptly hung up on me.
I refinanced my house and the title company gave me a check made out to Citi card. I wrote my account number on the paper attached to the check. It was cashed on XXXX XXXX, the title company confirmed it. Citi card is saying that they did n't get it. Well they did get it, and cash it. It was for {$2900.00}!! I have called numerous times and been on hold for over 30 minutes. I have gotten no answers, no communication what-so-ever. I have faxed them a copy of the cashed check, and not heard back. The title company faxed them a copy of the check. This is not just a {$50.00} payment. I am so frustrated. I ca n't even get a direct number to call them at. They are horrible and their customer service is horrible. You ca n't even email them without them getting back. No reply. Can you please help me?
Americollect acct # XXXX this account has been paid Americollect has not responded back as a validation of my account
THE CURRENT CALLER IS HIGH POINT ASSET MANAGEMENT THE NUMBER IS XXXX. THEY CONTINUALLY CALL ME HARASSING ME ABOUT A PAYDAY LOAN FROM 2011 THAT HAS BEEN PAID BUT THEY ARE CLAIMING IT HAS N'T AND ARE USING ROBOTIC CALLS TO TRY AND GET ME UPSET OR SCARED SO I WOULD PAY. NO REAL INFORMATION ON WHO I OWE AND WHEN I ASKED THEM FOR INFO THEY SAID THEY COULD NOT GIVE IT AND WOULD WRITE DOWN THAT i REFUSED TO PAY.