WillisBack/dataset-financial-user-claim huggingface dataset:
Companies involved : Chase corporate headquarters and XXXX XXXX. 

Complaint : XXXX XXXX reported a fraud to chase bank and the police department. This fraud eligibly started with a breach in an email correspondence between a vendor and us. The buyer received the products that were ordered from the vendor and we used the same email we have been corresponding with the vendor and requested bank information. A hacker intercepted the email preventing the true business/vendor from receiving the email asking for bank information. Thus, the hacker provided, what we did not know was personal bank details. An ACH payment of {$7500.00} was made on XX/XX/XXXX and addressed to a business name, XXXX, with the bank account information provided from the email. However, the account number was to a XXXX personal account, not the business we addressed it to. The ACH should not have gone through as the name did not match the name on the receiving ends account. For an ACH payment to go through, all information must match and in this case the information did not match. 
After speaking with several associates form JP Morgan Chase, no one was willing to assist us with this matter. We were told we should contact the bank the money was sent to. So, we contacted XXXX, informed of the situation, and that we have a police report regarding this issue. XXXX told us that this matter must be settled between the banks and they are not permitted to assist us because we do not have an account with them. We then contacted chase corporate office who informed us they would do their best to assist. We never received a follow-up call, as we were told we would. When we called to request an update on this issue, we were transferred five times and were on the phone for 1.5hrs. Finally, we were transferred to the correct department and the woman gave us the same answer as all the other people we spoke with, I will speak to the claims department and will get back with you. We have yet to be informed of a solution. This has been an on-going process for over a month and we still have yet to have the funds returned. 

XX/XX/XXXX I tried calling XXXX from corporate for an update, but only got her voice mail. I then called Chase branch on XXXX XXXX XXXX and spoke to XXXX who said he would speak with his branch manager XXXX, to see if there is anything he could do. 

On XX/XX/XXXX XXXX spoke to XXXX from Chase corporate who informed me that she could not locate a reference number on this case, but she would create one ( XXXX ) and escalate this case to claims/fraud. 

XX/XX/XXXX XXXX XXXX transferred me to XXXX who transferred me to XXXX who transferred me to XXXX who transferred me to XXXX who transferred me to XXXX who then transferred me to XXXX . All this within an hour and a half.
I have reached out to chase to apply for mortgage assistance numerous times since XXXX of XXXX XXXX. I have had multiple offers given to me for my house and every time we get close to closing on the home, something pops up on Chase 's part. One of the offers I received for my home was to go-ahead and do a short sale. I waited weeks for chase to respond and give us the go-ahead to move on with the short sale. As the closing date approached, I then find out my request was denied because HUD stated that chase failed to do their due dilligence. I could have sold my home months ago and avoided the hit the credit but because they seem to want to keep me looped into this foreclosure process, they are not approving any of my requests. 

Recently, I re-applied for mortgage assistance to see if I could apply for another short sale now that my foreclosure date had been removed. I sent in the documents on XX/XX/XXXX - I am working with an investor who has been calling chase on my behalf to see if they had assigned a manager to open up my case yet. The told me I needed to send in an offer for them to review anything. I sent in an offer with a contractors bid and an explanation of all the fixes the home would need. This was sent over and stated it was received in XX/XX/XXXX. We called today ( XX/XX/XXXX ) to see what the status was of getting a manager assigned and they said they are not going to assign a manager because there was a foreclosure date set for XX/XX/XXXX again after it had been removed on XX/XX/XXXX and told to me during a conversation on XX/XX/XXXX that there was no foreclosure date set. Chase seems to be playing a game in that they don't have their information straight and every time I call in, I get a different answer. I wouldnt be in this predicament if chase had completed what they needed to do and approved the offers I had received the first time around. I have received 4 offers on my home since XXXX of XXXX that meet what the principal balance is for my mortgage but they dont seem to care and are not taking my account seriously. My life is going to be severely impacted because of their lack of attention and their lack of caring for the customers they service. My son is a XXXX veteran and wants nothing more than to see his mother get out of this situation but I cant seem to get help from the company that says they are going to help me - they simple dangle a carrot in front of me offering to help and once there looks to be light at the end of the tunnel, they come up with some sort of excuse as to why I cant be helped. Their practices are very inconsistent and very unethical in the way they are managing their clients accounts. My loan number is XXXX. Please help me with the issue I am having with my servicer.
We execute d a Home Affordable Modification Agreement that  was booked on  XXXX   XXXX ,  2017 . At that time, our escrow amount was {$140000.00}. Escrow per our account statement dated  XXXX / XXXX /   2017  is {$1500.00}. T he Modification Agreement clea rly states that the estimated monthly escrow payment amount adjusts annually after yea r 1. It also clearly states that our total monthly payment of {$3200.00} adjusts annually after year 1. We have not completed year 1 and our monthly payment has incr eased to {$3300.00} which was due on  XXXX / XXXX /   2017. It has not been a year since we signed the Modification Agreement and our total monthly payment and our payment for escrow has increased. We would like to understand why our escrow payment and total monthly payment has increased four months after signing the Modification Agreement.
I told them that this is not my debt, must be some mistake, I had to appear in court but did not get a chance to speak to the judge, was told to wait that some one would call me, I tried to explain but she did not want to hear any thing I had to say she gave me another court date.
On the XXXX of XXXX I call XXXX  XXXX XXXX money network and told them I lost my card deactivate it and they didnt and the person that took my card got money off of it
I have received multiple letters in the mail over the last several years for a debt that was discharged in bankruptcy in XXXX. I believe I received a letter in XXXX, XXXX, and again, today. After each letter, I called the collection agency to advise the debt was discharged in bankruptcy, and even offered to provide a copy of the signed entry of bankruptcy.
I am having trouble locating a release of a mortgage I refinanced out of that was previously through GMAC mortgage on XX/XX/XXXX. I've contacted the servicer that I recall was servicing the loan, OCWEN, which was unable to help us. They claim that they took on servicing in XXXX and had no records prior to that. GMAC mortgage went out of business or sold to various other parties after the refinance. We are unable to locate any party who is responsible for maintaining GMAC records closed prior to going out of business. We have contacted XXXX XXXX on advice of title insurer which believed that XXXX ( now XXXX XXXX ) took over many of the loans by GMAC.

We had to take out a personal undertaking with XXXX XXXX XXXX XXXX as a result of our inability to obtain the release. We are seeking assistance from the CFPB to assist in contacting OCWEN and other servicers to find who to contact for the release so we can discharge our potential future liability on the release.
ON XX/XX/XXXX Receivables Performance XXXX a collection agency reported a debt on my credit reports that somebody who stole my identity owes them. The original creditor the collection agency purchased the debt from is XXXX XXXX. They state the unpaid date of 1st delinquency is XX/XX/XXXX and balance as of XX/XX/XXXX is {$1600.00}. I disputed this with XXXX and other credit reporting agencies and clearly stated that this is not my debt. I never had service from XXXX XXXX in my life neither have i ever lived at the address linked to the XXXX XXXX service that was unpaid by the identity thief. Still XXXX has wrongfully concluded after I sent them proof of my real address that never had service from XXXX XXXX and i quote " We verified that this item belongs to you '' and instructs me to contact the collection agency. Last year i put a fraud alert on my file when i first became aware that my identity had been stolen and used to acquire services.these agencies are failing to protect me
To Whom It May Concern, I was garnished again for 15 % of my paychecks for XX/XX/XXXX and XX/XX/2016 by Automated Collection Services , Inc. in XXXX, TN. I did not receive notice of garnishment from ACSI, and the garnishment took be by complete surprise. 

I repeatedly told ACSI reps that I could not afford the amount of this garnishment. I even faxed over financial records showing that I could not pay essential bills ( rent, utilities, etc. ). ACSI and I then had a written agreement with ACSI to have my garnishment reduced to 5 %. However, I contacted my payroll department this morning and the director of payroll replied they did not receive a fax from ACSI for this reduction, and I was garnished at approximately XXXX % again. 

As I have tried futilely to discuss with their reps, I can not afford the amount at which I am being garnished. It is crippling me financially, rendering me unable to pay my essential bills. I contacted ACSI and I was transferred to someone calling herself XXXX XXXX. XXXX XXXX mocked me. After telling her I was being crippled financially by the garnishment, she said then I could pay the full balance in lump sum or settle for thousands of dollars. Well, if I ca n't afford to pay hundreds of dollars, how can I pay tens of thousands of dollars at one time? Why would someone representing a company mock someone who is financially destitute? Is it common practice by companies to tell people who can not afford to pay hundreds of dollars each month to tell them that they can pay tens of thousands in a lump sum which the representative would know that that person can not pay it? The only reason to say such a thing is to mock and humiliate a financially destitute person. 
Second, they claim they can not relinquish the garnishment. However, they have that option ( as evidenced by a complaint that was resolved on the XXXX website and by common sense -- they hold the debt -- no one is forcing them to garnish me at the rate they are ). I have no problem making payments, but not at the amount they are demanding. I simply can not afford it. 
Plus, I offered to consolidate the loan with my other loans which are in good standing. They refused because they told me that because they had the garnishment they did not have to. 

Had I received a notice of garnishment, I would have been aware of the debt, which I assumed to be in good standing with my other student loans ( that is the only reason it went delinquent ). And, thus, I would have contacted XXXX ( the originator of the loan ) or ACSI and handled it before being garnished. 
From my understanding, I am supposed to have received a notice of garnishment, and I also do not think that belittling consumers for not being able to pay is something that ACSI 's employees have the right to do.
I checked my credit report the beginning of XX/XX/XXXX and noticed with horror that a collection account was reporting XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX., {$500.00}! <P/>
I called Harvard Collection and the man told me that was a debt owed to the Dept of Human Services since XX/XX/XXXX! I told him that debt is not mine, no one has contacted me about a debt! " Oh, we do n't contact you we just put it on your report '', he said. Again, this is not my debt how do I get this off my report,?! " Oh, you got to pay this! ", he said. <P/>I filed an online dispute with XXXX and they replied the account has been updated. I did n't notice a change, still collections XX/XX/XXXX and XX/XX/XXXX. <P/>How can Harvard Collections knowingly re-age a debt from XX/XX/XXXX to be owing XX/XX/XXXX, not to mention the debt is not mine!
I have never opened the XXXX credit card account debtor is trying to collect XXXX. Contacted collector for validation and was only provided a statement. A statement does n't provide any information on how I owe this debt as I never opened the accounts. Accounts were opened in California where I have never resided.
AllianceOne purports that I owe them {$100.00} with no justification or lawful cause. Their client purports I owe a debt and I do not owe this debt. Here is why the debt that AllianceOne is attempting to collect is improper.
XXXX XXXX, 2017 This is from the Local Rules for XXXX XXXX County : Rule 5.16 ( d ) " Sanctions and/or fees may be imposed on any party that fails to contact XXXX  at least 24 hours before the scheduled appointment. '' No sanctions or fines apply to me since I contacted XXXX last time 24 hours prior to cancel and sent AllianceOne all proof of said in six ( 6 ) prior emails and written letters.
I also infer that without fail no party cancelling 24 hours or more in advance shall be liable for fines, and therefore, I do not owe any fines.
In view of this, AllianceOnce, the collection agency, needs to cancel my fines and send me a confirmation of this said ( regarding Account # XXXX ) since they have not yet done so.
Macy 's changed bank servicers to CitiBank -when they changed their website changed. The website prohibited access for months. I sent numerous emails and no one responded. I called XXXX times in one day -- no one could explain the issue. During that 3 month period I had a XXXX balance. I then made a purchase in XX/XX/XXXX, and was sent a bill via email. The bill linked to the website that would not allow me to view my bill. I sent emails and logged a support ticket as I could not review my statement or see my balance or payment due. No one responded. I could not even access a payment screen. So I went into my old XXXX account and found an old macy 's bill and paid a minimum payment due of {$25.00}. I was called on XX/XX/XXXX and told I owed an additional XXXX and I had late fees. I asked how, and no one could tell me why-they told me different payment amounts that were received, different interest accruals, and refused to offer ANY insight into why the site was down, why no one would call, and how I could see my statement. They also could not answer whether the false late payments were reported to my credit. They should have been able to answer ALL of these questions. I was not permitted to even VIEW my statement. So, I disputed late fees as I did not have a balance and they could not provide any information on the balance, even one rep said she couldnt tell where a {$180.00} balance came from and transferred me to fraud, then I was left on hold for XXXX minutes waiting for someone in tech support to pick up. So I finally got access to my account, and nothing was updated, no late fees were waived. but the payment due on an incorrect balance of {$440.00} was {$95.00}. I had just paid {$25.00}, but they said I paid it too soon, and it would n't be reflected in the XX/XX/XXXX payment, which is illegal. So I paid another {$50.00} -- totalling {$75.00} in payments on a {$400.00} balance that should have been a {$350.00} balance. Then I submitted an email requesting they provide the new balance with the late fees waived because their system was not updated, they refused to respond -- its been 3 days. SO I log in today to see if anything changed, and the late fees were waived, but they demanded an additional {$45.00} -- They forced me to pay a total of {$120.00}. XXXX on a {$350.00} balance. Obviously this is a blatant violation of the CARD act. They have had ample opportunities over the last 90 days to cure their technical issues, to respond to my emails, to pick up the phone while I 've waited on hold, and they refuse to abide by the law. In turn, I 've suffered financially because of their intentional and willful acts, and negligence in behavior and communication.
FedLoan Servicing keeps sending default notices to me as " endorser ; '' but I have no record of endorsing any student loans. My daughter will not talk to us about it ; so I 've had my attorney send letters ( only allowed to fax ) to FedLoan Servicing asking for proof of endorsement, i.e., copies of signed endorsements of the loan documents. We just get more newly printed summaries ; but no proof of endorsements. To add insult to injury, FedLoan Servicing has reported late payments on the loans to the major credit agencies, which has ruined our credit. We 've tried talking to FedLoan Servicing ; but they say that they will only talk to the student borrower. We 've sent letters to FedLoan Servicing begging them to call us ; but to no avail. Short of legal action, what is one to do?
On XXXX XXXX2017 2 accounts placed on my credit report in the amount of {$120.00}. I am unaware of any outstanding medical bills that I owe.
Paying mortgage payment on line BOA charges a {$6.00} fee if not paid on the XXXX which is the due date. The grace period due date is the XXXX. If I took the payment directly to the Bank on the XXXX there would be no fee charged and the same goes for it if I mailed payment in after the XXXX. no other financial institution I deal with has such a policy .I am XXXX years old with ss as only source of income .These income dates vary by the month causing great inconvenience if I have to drive 50miles on  some months to make timely payment. this fee seems an unjustified hardship especially when the bank in most cases receives its money faster with the XXXX
I called trying to resolve my account with them and wanted to talk to the person that I last spoke with. They would n't have him call me back and wanted to transfer me to a supervisor. I hung up because I wanted to talk to the person I talked to last. They have called me back four times in the last 30 minutes
I applied for an Ally Bank online savings account on XXXX/XXXX/XXXX and transferred, via ACH, {$1000.00}. On XXXX/XXXX/XXXX I logged on and the screen informed me the account was blocked. I called and was assigned Loss Prevention Specialist XXXX XXXX XXXX. I was told to provide copies of an original social security card, recent mail to my address and a state issued photo id. I supplied a copy of my passport, which expired in XXXX XXXX, plus the other XXXX items requested. I am not going to renew my passport until my hair and eyebrows grow back. I am not planning on making any foreign trips, nor even getting on an airplane for a while. My XXXX make getting my drivers license problematic for the foreseeable future. 
I was informed that the passport was not acceptable since it had expired and I had to provide a " state '' photo id. I asked for an alternative, such as providing a notarized affidavit or something similar. On XXXX/XXXX/XXXX, late in the evening, XXXX XXXX told me I could not get my opening deposit back either. I specifically asked for the opening deposit to be sent back the way it came. I am sure the transaction shows the routing & accounting numbers of my account at XXXX. She said that was not going to happen. She asked if I wanted to speak with her supervisor. 
XXXX XXXX called on XXXX/XXXX/XXXX and left a message for me to call her. I called her back the next day and left a message as XXXX XXXX works an XXXX XXXX to XXXX XXXX shift. I asked for our communication to be via email or USPS mail going forward so there would be a documentation trail. I also mentioned that I would like for someone to handle this matter for me and asked where I send a power of attorney or how to handle designating a proxy for me. XXXX XXXX left another message for me to call her on XXXX/XXXX/XXXX. 
I mailed a complaint letter to the CEO, XXXX XXXX XXXX on XXXX/XXXX/XXXX. I have not heard anything as a result, nor do I expect to. I have since taken the opportunity to read the complaints about Ally online and regret not doing my homework beforehand.
This is my 2nd loan with Republic Finance. The 1st was paid off early. I have paid on this loan about 18 months now. This payment was due XX/XX/XXXX but I didn't pay it on time. However, it was paid before the next one was due. In XX/XX/2018, after several days of calls. I asked for a deferment to get back on track but was told they don't do those but could renew the loan. I told them I don't want to renew the loan. I was advised that is the only assistance available to me. After several days of calls. I told them to stop calling me. I didn't get any more calls until XX/XX/XXXX or XXXX timeframe. I told the same person as before I had told them not to call me. She then said they have to have it in writing. I told her that is not true. She said that is their policy. To have it in writing. I told her fine so when I went in to make the next payment on XX/XX/XXXX I asked for a sticky note and put it in writing. I also put that none of my contacts or my job was to be contacted. She had to check with XXXX to make sure it was acceptable. XXXX told her to put it in my file. However, today I was checking my credit report and saw that they did a hard inquiry on XX/XX/2018. My loan was not 30 days late and to this date has never been 30 days late. There was no reason to pull my credit. I want to know how a company can just pull the consumer 's credit report for no good reason and decrease their credit score. I can to some degree understand the need to renew the loan. That's how they make their money but if someone is truly needing assistance to maintain or increase their credit score, it makes no sense to intentionally harm them.
I send it to the financial institution that has the mortgage of my house and I send that paper the financial institution told me that my modfica- tion was rejected when the company that was already discussed above told me that my model was already approved so I am writing to you to please help me solve this case.
Ocwen Loan Servicing has been making a disaster of my account for months. I applied for a modification 6 months ago. Ocwen put me on a trial modification plan at that time. Since then, they have LOST payments, returned payments, sent letters they had not received payments ( when I have the receipts for those " unpaid '' payments ) and have really NO idea what they are doing. I asked them on countless occasions ( called them over XXXX times since the first of the year ) WHY XXXX person at OCWEN has NO IDEA what the other is doing. The last time I spoke to a supervisor, he gave me the reason for all the confusion as being the fact that my " file is over XXXX inches thick. '' He assured me, as all the other people always did when I 'd call, that he 'd " look into it. " I finally received the loan modification agreement for me to sign and have notarized last Monday. Tuesday, the XXXX, I had it signed and notarized and back in the mail to OCWEN. 
Meanwhile, I again receive a notice that OCWEN never received my XXXX and XXXX payments. I have receipts for both. ( That 's when the supervisor told me he 'd look into it. ) Then, yesterday, the XXXX, I received ANOTHER notice from OCWEN that my account was now in default. 
This XXXX has been going on too long. I am afraid that because of OCWEN 's inability to keep even the simplest of facts straight, my already shaky credit score will suffer. 
Can you help, please? 
Thanks, XXXX XXXX ... I am currently unable to scan documents, so I am unable to send the last XXXX OCWEN notices : the " non-payments '' and the default letter I just got.