WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX  processed our request for mortgage modification XX/XX/2017. 
I received the Trial Modification agreement dated XX/XX/2017. My first trial payment was due XX/XX/2017 with XXXX XXXX XXXX. The three trial payments were made to XXXX XXXX XXXX. I received a letter from XXXX XXXX XXXX stating my mortgage servicing was transferred to Rushmore Loan Management after I made the 3rd payment.. I spoke with Rushmore customer service several times and they assured me my payment wasn't changing and they were processing the final modification documents. 2 weeks later I received a property foreclosure sale notice in the mail, I spoke with Rushmore customer service and they stated they were not going to honor the modification received from XXXX XXXX XXXX and that my payment had increased to approximately {$2200.00}, Rushmore continues to increase my mortgage payment. XXXX XXXX the relationship manager has been unwilling to correct this awful situation. I don't want to lose my home to foreclosure. I will resubmit my request for mortgage modification
I called the phone number to activate the card. It prompted me to enter a pin. I entered the pin. When it prompted me to confirm the pin, the line went quiet. The message said it was unable to activate the card. I called back and had the exact same experience. My phone had full bars for reception. Citi is making it very hard or impossible to activate their card. The activation phone number is XXXX. This is a prepaid debit card issued by Citi on behalf of XXXX XXXX.
Citi is acting with gross incompetence and negligence regarding a financial matter. Citi is in violation of RESPA title X. 

At issue are multiple of submissions of documents that Citi keeps requesting and Citi is not reading the documents submitted. First Citi is asking me to send them a mortgage statement for their own loan. No lender on earth asks for the borrower to send in their own mortgage statement, they send that to me, not the other way around. When I sent it in, they actually rejected it stating it was outdated yet it was the most current one they sent to me. This is gross incompetence. 

I have sent their requested docs ( attached here ) multiple times. All mortgage statements, all current and nothing cut off as they are claiming. They have all required documents for modification review yet are refusing to open my modification review per RESPA guidelines. 

Additionally Citi is requiring me to mail in an authorization letter which I have done so multiple times and Citi still hasn't updated our authorization in a month. First I shouldn't have to mail in a form. This is the year XXXX not XXXX, they accept payment electronically they can most assuredly accept an authorization form electronically. Secondly they aren't even processing my paperwork. It seems Citi has too many loans and not enough people working there. They need their portfolio trimmed by the government just like XXXX XXXX. Homeowners should be losing homes due to their negligence and incompetence.
XXXX is reporting inaccurate information & damaging my credit. XX/XX/XXXX, we agreed to a settlement. In the settlement, the bank agreed to remove all account information on all credit reporting agencies. They agreed it would never be reported again. On XXXX XXXX, XXXX I ran my credit & found the information still being reported. I contacted all XXXX credit bureaus & subsequently contacted the data furnisher to remind them of our agreement. XXXX & XXXX removed the account without any issues but Experian continued to report the acct. I instructed Experian of the error again & they informed me to contact the data furnisher. So I sent off a letter to the data furnisher on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I had received nothing from the data furnisher, so I mailed a new letter to Experian to ask them to remove the account from my file. On XXXX XXXX, XXXX I called Experian to check the status of the account & they informed the account was still listed on the report. They also said me there was nothing they could do unless the data furnisher removed it from their records. I 'm filing a complaint for the lack of accountability with Experian. I 'd like Experian to be held accountable for sections 609, 611, 616 & 623 of the FCRA. The information listed is inaccurate & damaging my credit. Attached are the documents sent to Experian & the data furnisher. I like this account removed IMMEDIATELY!!!
After checking my credit report back in XXXX, I noticed items on my credit report that did not belong to me. I called the creditors and credit bureaus directly to dispute the inaccurate information and make them aware of what I noticed on my reports. I have never received collection calls from this debt collection agency. Later, I was able to get this information updated and even placed a fraud alert on my credit report. I have been in communication with the debt collection agency XXXX  XXXX XXXX ( ERC ) constantly advising them that the debt they're saying is mine DOES NOT BELONG TO ME. I have never had a contract with XXXX XXXX XXXX - I am not liable for the collection of the debt from XXXX as this is not mine. I have been disputing this inaccurate information since XX/XX/XXXX and they have not removed this information from my credit file. ERC states that they have validated the debt, however, under the FCRA, they are required to provide a copy of the original creditor 's ( XXXX ) documentation on file to validate that the debt is mine ( which they have failed to do so ). ERC has not provided me with a consumer contract with my signature on it validating this debt belongs to me. I have been disputing this for a while now and this has hindered my credit file tremendously, and hurt my ability to obtain credit.
Outstanding balanceb loan was sold and has increased unreasonable.Make several calls to me with these unreasonable amounts to settle out with a paymement
I purchased furniture from Macy 's in XXXX 2015. They offered XXXX months interest free financing. At the time of purchase, my credit card balance was XXXX. My plan was to pay approximately {$500.00} a month ( XXXX months ) to pay in full. I got my XXXX bill and sent in a payment. On my XXXX bill, I noticed there were finance charges so I called the toll-free customer service #. I was told that yes, my purchase qualified for the XXXX month interest free financing and it would take XXXX billing cycles to be corrected. I asked if the finance charges would be credited and was told yes. The next bill I received, they CHARGED my balance onto the " club '' ( interest free ) plan but did not credit the balance on the regular portion of my account. I was on the phone again ( each time, it took XXXX minutes to be connected to an actual person ). I have explained the situation to several people, been hung up on, been told that their computer system was down and they would return my call ( I have never received any calls back from them ) written and provided copies of everything and XXXX months later, the issue is still not corrected. I had made the mistake of purchasing approx. {$100.00} worth of birthday gifts for my granddaughter during this mess but paid THAT balance PLUS my lump sum so as not to accrue any interest. I have since paid off what I believed to be my balance ( all of my purchases without interest OR late fees ) and have now been referred to collections. Every time I contact them, they have no notes on my account and only try to collect a payment from me. I even wrote to them, included copies of all of my statements with a cover letter describing my problem. I received a letter back from them stating they had questions and gave me the same toll free # that is on my statement. No file #, no complaint #, nothing. I called in, it took XXXX minutes to get an actual person and then explained the WHOLE story again. Their response is always the same .... '' we will take care of it, it could take up to XXXX billing cycles ''. The last time I contacted them, I explained the whole situation over again, the service rep said " ok, I will notate that you are disputing the whole balance on your account ( which, was approx {$100.00} ). She told me ( once again ) that it could take up to XXXX billing cycles. It has now been XXXX billing cycles. My must current bill has a balance of approx {$200.00} ( almost {$100.00} of that is a current interest charge and late fee ) and they have closed my credit card account. Do they not realize that when it takes XXXX months to get something credited, late fees and interest are assessed? After XXXX, I returned a gift and also purchased something so there was another small additional charge. I did NOT want to pay the balance off in full as long as I was disputing anything because I figured, once there was a XXXX balance, I would never hear from them again. I have recently been getting collection calls and letters. I asked if there were any notes on my account regarding the balance being disputed and was told " NO ''.
I signed a contract with XXXX XXXX XXXX XXXX ( " XXXX '' ), and they were supposed to pay off my Sub and Unsub loans. I have been paying XXXX $ 39 monthly, and they were automatically debiting the money from my bank account. Then XXXX contacted me to renew my request for a deferment, and XXXX informed me that XXXX had not paid my loan as per the contract. Now I have sent XXXX a letter stating that I would no longer pay them the {$39.00}, and I put a stop payment on the ACH with my bank. I would like my money back and, more importantly, I want XXXX exposed as a fraud so other students wo n't go through this ordeal.
On Wednesda  y  XX/XX/XXXX    @  XXXX   XXXX , I received a phone call from  XXXX  on my cell phone from a  XXXX   XXXX  asking for me. He told me that he was calling from National Credit Adjusters but refused to reveal the nature of his call. I told him that he had no authorization to call this cell number. He hung up. I returned the call the same day @  XXXX    XXXX   and spoke with  XXXX   XXXX   XXXX . He stated that I owed  XXXX   XXXX  {$150.00} from  XX/XX/XXXX . I told him that all debts to  XXXX  has been satisfied and that this company can not do business in the  State of MD . He continued to dispute what I had told him. I asked him not to call my cell phone and hung up.
My financial hardship started in 2015. I contacted my mortgage company and they have been requesting for the same documents over and over again for the past year. It has been a nightmare and has caused my medical condition to get worse. I have provided my documents on a timely fashion and have yet to get a final response.
XX/XX/XXXX - I detected fraud on my credit card account while traveling internationally and reported it to my bank.

XX/XX/XXXX - my checking account had a balance of {$4200.00} XX/XX/XXXX - my account was debited for {$880000.00} by the bank and my account was closed. In addition, my credit cards were cancelled and my savings account was closed XX/XX/XXXX through XX/XX/XXXX - I have contacted the bank many times to get the balance in my account due to me. It has been 3 months since they closed my account and I have yet to receive the funds.
I requested a 7 year fraud alert and 7 year security freeze from Equifax verbally and by certified ma il on  XX/XX/2016     due to identity theft. I was told what was needed, what to request, in the letter by an Equifax operator I was told a copy of the police report, copy of my drivers license, and a copy of a utility bill. After receiving conformation of the letter delivery, I called Equifax to confirm these requests were put in place.     This weekend, my credit report was fraudulently obtained by a car dealership. They accessed my report while I was test driving a vehicle prior to any offer/discussion of purchase. When I returned from  the test drive,  I told them not to try to access my credit report because it was locked. They said no it isnt and said they had already accessed it. I asked them why they accessed it as I would not be using credit and their business manager told me it was to make sure they could accept a check from me and show I wasnt a  XXXX .     I called all  XXXX  credit agencies today to confirm that the fraud alert and security freeze were in place.     When I called Equifax today, I was told there was no security freeze in place and copies of my credit report could still be obtained by anyone requesting it.  XXXX , who said she was top management, confirmed that my certified letter requesting fraud alert and security freeze with the documentation of police report, copy of my drivers license, and a copy of a utility bill were in my Equifax file. I asked her why the security freeze was not active. She said probably because I requested a 7 year security freeze and they dont have that. She said that she could not add a security freeze now because the police report, drivers license, and utility bill were all from    2016  and were too old to add the security freeze. She said I would have to resubmit updated identifying documents AND a social security card she specifically said, only a social security card will do in order to add the security freeze. She said she would not add the security freeze until I submitted this information.
On XX/XX/XXXX I applied for capital one spark business card and capital one requested more information. I sent over all my information that it requested and my application is still in verification status. Ive been told that it was going to take three weeks and each time that I call I get a different response to whats going on. Ive spoke with several application supervisors and nothing has still been done. I uploaded a Secretary of State Form, along with a personal utility bill ( XX/XX/XXXX ) and my SS card ( XX/XX/XXXX ). On XX/XX/XXXX I faxed over a Utility Bill for the Business, and an Invoice from XXXX. What other info is needed? Im very disappointed this has taken this long and no one has given me an answer. Ive sent over 5 documents for the application and it seems like the team IS working very slowly. Ive requested that an Executive look at my application and tell me what other documents are needed All of the info thats needed has been sent.
A good number of years ago ( I do not have the exact years ) most banks and finance companies were offering their credit cards with highly competitive terms on a very frequent and feverish basis. At that time, I applied for and received a XXXX credit card having TREMENDOUS TERMS through XXXX XXXX ( I understand that XXXX did n't have a bank but that was just the name that they used for the services that they provided ). The terms for this XXXX credit card was : An adjustable rate based on " The Prime Rate minus 2 %, plus a {$98.00} Annual Fee ''. Yes, that 's correct! 
At the time, I believe that the Prime Rate was around 8 % ( meaning around 6 % to me because of the Prime minus 2 feature. This was not a fantasy ; it was real. 
Over time, " XXXX '' sold-off its credit card division to " First USA '' who later sold-off theirs to " XXXX XXXX '' who, finally, sold-off theirs to " Chase '', which is where it resides now. 

This complaint is not necessarily against Chase or its credit practices but rather to obtain information about the coming changes that will impact my account in XX/XX/XXXX that their customer service reps were having difficulty in making clear to me. 
The new " Revised Terms as of XX/XX/XXXX '' calls for the APR for Purchases and Balance Transfers to be 4.99 %, which will vary with the Prime Rate. 

I never thought that my previous tremendous terms would last forever and expected that they would find some way at some point to change it. All I want to know is that there was no mistake in changing my terms and that I once belonged to a special class, all of whose terms will now be retired. 

On XX/XX/XXXX, I called Chase 's customer service line and attempted to make sure that they were aware that I was in the Prime minus 2 % class AND that ALL of those who are in that class will legitimately have their previous terms retired and replaced with the new terms that will go into effect on XX/XX/XXXX. 
They really could n't answer those above questions to my satisfaction because they did n't see that I was associated with the Prime minus 2 % terms and because they said that, as of XX/XX/XXXX, my rate dropped from 2.25 % down to 0 %. While Prime minus 2 sounds like a real fantasy, 0 % sounds to me like an outright mistake OR some deviously planned technicality wherein Chase may have found a loophole under which they could obtain the legal grounds to later make the changes that I now face. 
Thank you!
As a former college student, I have a few private loans with Navient ( formally known as XXXX XXXX ). I have experienced nothing but frustration when it comes to attempting to negotiate payment plans. Because the loans are private, I have few to none available options. I was recently linked with Navient 's Customer Advocate Department after a previous complaint with CFPB in XXXX, and I have still gotten nowhere. I have talked to numerous representatives that have not " advocated '' for me in any shape or form. Most recently, I have been waiting since XXXX to find out if I was eligible for a Loan Modification Program, and was recently informed by a loan officer while trying to purchase a home, that my loans currently reflect that I am to pay $ 600/a month, which I was informed is because I have a late payment. I was continuously told by Navient representatives that if the Customer Advocate Department is working on my loans, then they will not be late. Obviously not true. This process has been nothing but frustrating and as a hardworking woman, I have struggled with being able to make payments that are expected. I have consistently made payments, when I was able to pay what was expected, every month, on time, even paying a lump sump payment towards XXXX loan. Navient has made me question being a XXXX, especially considering that my income is not sufficient to pay what is expected. Speaking to Navient representatives to like speaking to someone who speaks a foreign language and has no clue of what I am talking about. This has by far been the most frustrating process, and I have yet to get anywhere after writing complaints, speaking with multiple representatives, and even supervisors. What 's most frustrating, is that the reason I pursued a degree was to be able to provide a better life for myself, and at this point I am XXXX guessing my decision. I would be so appreciative if I could be granted some assistance with this matter.
On or about XXXX XXXX Wells Fargo received a wire transfer from XXXX Bank in the amount of {$35000.00} into my checking account, The staff at XXXX XXXX , branch of Wells Fargo ignored my direct instructions ( on more than XXXX occasion ) to " Under NO circumstances were any of those funds to have been placed into my account ''. I informed the branch manager on numerous occasions that the funds were not mine and that if she or the bank ignored me that they would be liable for any and all damages and possibly more. The bank also cancelled my Identity theft protection and denied me of my funds previously in the account and their actions have also caused other damages. I am also filing an Identity theft charge against parties involved since the bank also lied to me and stated " No crime has been committed and we will not contact law enforcement ''. They went on to state " There is nothing that we can do ''. and that is just a small part of what I have learned was also a lie that they stated to me and mislead me. I have documents I have not been able to obtain that do show other costs incurred due to Wells Fargo and It 's employees deceptive actions. They intentionally with malice have done this and the facts of their failure to act prove this as well. Their actions have caused undue stress, loss, damages, and I believe some of the actions are possibly criminal ..
This company is under the impression I owe them money but I dont. The debt was removed from the original company so I have no dealings with these people!
Company failed to provide me with my signature to validate the debt. Only send credit card statements saying this is there validity.
Toyota Financial Service as aggressive and sneaky collection practices. The dial your phone utilizing numbers with area codes from XXXX, XXXX ( XXXX ) to various California numbers. Today, XXXX/XXXX/15, I was working from home and answered my phone since I though it was a relative calling from the XXXX area code only to find out that it was Toyota calling about my late monthly payment due. I informed the TFS representative that I was in the middle of a work call and would need to call back later to set up payment for later this week. The TFS rep stated she could not hang up since I knowingly answered my phone during my work time. I asked why and she was silent. Then I said : is this so you can document that I hung up on the call without setting up a payment today? The TFS rep said verbatim : " Exactly ''. I then demanded to speak with to her supervisor since this was rude and unaccommodating behavior since I clearly stated my intent to call back at a later time tonight or tomorrow to set up a payment. The supervisor, XXXX/ID # XXXX, reiterated their collection tactic and was continually aggressive about setting up a quick payment now. I begrudgingly set up the payment with the TFS supervisor that I planned to pay on XXXX/XXXX/15. While the were someone polite their collection practice was obnoxious and does n't respect boundaries. If I state that I will call back or they can call back at a better time, that option should be recognized and honored.
I am writing you today as an aggrieved man. TD Bank yet again has charged me a ridiculous amount of overdraft fees and stole my money, I know thats how banks make their money, but I do not appreciate being mistreated by this bank. I should have a balance of {$200.00} maybe a little more as my account balance as of today XX/XX/18. TD Bank charged me {$150.00} overdraft fee on top of another {$35.00} over draft fee. All this as they still process, my transactions making it appears they were on a different date then they were. My paycheck was deposited today XX/XX/18 and II was left with {$60.00} dollars out of {$540.00} because of TD banks horrible business practices. I called customer service and they said to me they cant get into my account because they are locked out. I cant even have a conversation with an agent about my account now? Why? Its getting to the point where I am going to end up taking my business elsewhere. I really do not want to and want to give TD Bank a chance to do right by one of its customers. I demand TD bank remove the extra overdraft fees immediately and restore my balance to {$200.00}!