WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXXan escrow transaction was opened to buy my house, this transaction was closed on XX/XX/XXXX During the process, the preliminary title report was never explained to me, nor was I told about any payment I should make that was not included in my Closing Disclosure, and WFG people did not say anything regarding two Hero Program liens that the previous owner had.

I summited a claim to WFG National Title Company because during the process they knew there were two ( HERO PROGRAM LIENS ) contractual assessments recorded as liens against the property that are collected by the County Tax Collector and the escrow did not advise my lender ( XXXX ) to adjust the monthly impound payments to cover the projected increased in the property tax bill, also if my lender ( XXXX ) had been notified it would have requested the payoff at the close of the transaction.

WFG denied my claim because they said it was mentioned in the preliminary report, I am not a professional, WFG people are the professionals, so they have the responsibility to explain if there is some items that needed to be cleared before closing escrow, also by just reading the report it is not clear, it is ambiguous, now that I have the problem, I went in person to obtain a copy of the recorded liens, the instruments consists of twelve pages, not just two paragraphs as WFG mentioned.

WFG people never provided me with the complete instruments, there was no way for me to understand the magnitude of these assessments without the complete instruments. According to the documents that I obtained this year, I have to pay for 16 years {$1500.00} two times a year and for the second one {$1100.00} two times a year for 7 years, a total of {$5200.00} a year, at the end of the years the amount is about {$40000.00}, this information was never on the preliminary report, and neither was it provided to me. These amounts should have been explained to me before to continue with the purchase transaction, in order to decide to buy it or not. Obviously with the monthly payment of these assessments I wouldnt be approved for the loan, and I would have had the opportunity to find another property.

It is unacceptable that WFG National Title Company covered these items in the policy of the title insurance, but it covers just the two paragraphs, but not the 12 pages that were filed as instruments in XX/XX/XXXX and once again those were never provided to me.
I saw an advertisement for Fedloan Help which was advertised to consolidate loans into a program that Barack Obama created to help people with student loan debt. So I called them to see what they could do for me and they said that they consolidate loans under a federal program that would decrease my student loan debt and my monthly payments. I did not realize that this was a third party consolidation company as their company is called Fedloan Help, and the actual consolidation and debt relief program is called Fedloan Servicing. When I was talking to the Fedloan Help people on the phone, they were very helpful but did not explain who they were, that they were a third party company, and that they would be withdrawing {$67.00} from my bank account monthly while making it look like this was my student loan payment. This money that they are withdrawing is not a student loan payment, it is a " servicing fee '' for consolidating my loans through them. I figured this out because I have been getting bills from the actual loan servicer, saying that because of my income, my monthly payment right now is {$0.00}. I 've called Fedloan Help ( the scammers ) and they say that all agents are busy right now and that they will call me back. They refuse to put me on hold. I called Fedloan servicing, and they are the ones who alerted me to this situation. 

I was not able to download this as a file, but here is an email that was sent to me from one of their representatives : Service Agreement for REVIEW ONLY Inbox XXXXXXXX AttachmentsXXXX XXXX to me Hello XXXX, Attached is the service agreement for the program you qualified for. There is nothing to sign on these documents, review purposes only. 

We are a NOT for profit organization that works with the US Department of Education regarding Loan Forgiveness and Payment Relief Programs. We charge " NO FEE '' S. We operate from voluntary donations only. 

XXXX XXXX Fedloan Help : Nonprofit Organization Direct : ( XXXX ) XXXX Ext. XXXX Fax : ( XXXX ) XXXX XXXXXXXXXXXX www.Fedloanhelp.org It says, We charge " NO FEE '' S Since they wrote " no fees '' in that specific way, is that their way of getting around their hidden fees, since it is not grammatically correct?
Hi, I have banked with BOA for eight years and living on XXXX XXXX dollars a month has been unbearable. To the contrary, I have no support and no credit with BOA. I deposited XXXX dollars into BOA and using Debit I 've received no rewards or approved by credit. My savings account was closed and other members on this account had access to every available funds of my personal money regardless of my primary ownership. 
As an end result, discrepancies were added to my account causing me several overdraft fees. Please let me know when I can access credit or resolve debit usage!
On  XX/XX/2017    approx.  XXXX  est. I spoke with a Customer Service/Sales Representative with Bank of America. I was initially looking for t he Human Resources Depa rtment, but the Representative that answered the phone sold me on a credit card. I was approved for a credit card limit of {$10000.00}. Several times throughout the call I emphasized to the Representative I only wanted a credit limit of {$2000.00}. Now a week later I look at my balance online and of course it is a {$10000.00} limit. The Representative did the exact opposite from what I requested for her financial benefit. I will be in the market for a refinance before the end of the year and want my debt to income to be as low as possible so I can qualify for the best loan. I know for certain this was no mistake because I reminded her numerous times and even told her I did not want a {$10000.00} limit. I have several accounts with Bank of America and should be able to trust them to do the right thing for their loyal customers.
First, let me begin by saying we are half the issue here. There is accountability that we must own and we are willing to own. My husband pays our mortgage each and every month. Unfortunately, he pays each month late and willing to pay a late charge each month. We just learned that when we submit payment online by paying " Next Payment Amount '' that that total does not include the monthly late fee. Instead the late fees have been rolling over for several months. We now owe a large bill for late fees which appear on the monthly statement as " Total Charges ''. Based on what Seterus ' website indicates, it is fair to assume the amount needed would have included that month 's late fees. When talking with Seterus they are armed and ready to battle this complaint. They acknowledged that their website does not match their monthly statements. They explain it as a minimum due yet the website, when making a payment, does not indicate other charges or a past due amount or that there are other fees to reconcile. They are also quick to point out that they are not obligated in ensuring the information portrayed on the payment screen of their website matches their monthly statement. Their customer service is appalling. They are too preoccupied in stating their stance, extremely argumentative, condenscending and do n't listen to the customer they service. In fact, when I stated " ... this was the worst customer service I have ever experienced '', the response I received was, " ... that this was not customer service ... it is debt management. '' I have had bad customer service experiences before but this was just absolutely horrible/horrific! They are not solution oriented. When I asked for a solution, stated I feel mislead, and questioned why a company would let late charges keep rolling over month after month, their solution was to waive 18 % ... then because I was not willing to pay on the spot, implied to me that they suspect that we do n't have the funds to pay anyway and that the waiver was only good when paying on time. There are several lessons here for my husband and I, but we ensure or mortgage is current each and every month. There is no need to place judgement on us. Nor should they attempt aggressive predatory collection practices for {$1100.00} that we have little to no understanding of what these charges consist of to date. I would have appreciated a company who could have understood our plight and provided us a more accountable solution for both them and us. Their website should indicate the same information as their monthly statement or at the very minimum call the attention to us that there are these outstanding charges. It 's pretty clear we want to pay our monthly bill and that we were n't getting these charges were/are rolling over. We thought we had paid these charges each month when submitting payment of our monthly mortgage.
This company has called me since the beginning of XX/XX/XXXX, and continually states on the phone that they are not required to prove that my husband owes the debt. They say, " you have to prove that you don't owe it. '' I have continuously asked for proof of this debt and in writing. I do not know how they got my phone number. The alleged debt is through a payday loan company, taken out with a California address online through XXXX XXXX XXXX and XXXX XXXX and was " turned over to collections in XXXX. '' This is the information they provided me. It is impossible for my husband to have taken this loan out, since he has not lived in California since XXXX. There is also no record of this on my husband 's credit report for the loan ( s ) that they are claiming. There are " two '' companies that have called me about the same " debt '' and they call themselves XXXX and XXXX XXXX XXXX. They " both '' use the same information about the alleged debt that I described above. I suspect that they are the same company.
XXXX XXXX XXXXXXXX charged early redemption fees of {$49.00} for selling mutual fund shares prior to being held 90 days. It was an automated weekly purchasing program of {$25.00} per week. Charging nearly {$50.00} for {$300.00} of purchases over 90 days is excessive. 

More importantly their own rules do not clearly indicate when the fee is applied, and actually shows it being discretionary and arbitrary. 

This happened in 2 custodial accounts and I was unable to get resolution over live chat. 

Please see page 10 for vague description of short term trading they are trying to discourage ( account agreement ).
I saw on my TransUnion credit report that I had an account with XXXX XXXX XXXX but I never opened one. After submitting a dispute through TransUnion, I informed XXXX XXXX XXXX about this situation where this account is not mine and they opened an incident ticket for me. They informed me that they needed an FTC Identity Theft report which I then submitted to them. After 10 days of not hearing back from them, they emailed me saying my ticket has been resolved. But upon checking my TransUnion credit history, the balance on the account that is not mine increased and my credit score was negatively impacted.
XXXX XXXX XXXX is reporting a checking account from bank XXXX XXXX stating this checking account belongs to me. I have tried to dispute this information and so far EWS has refuse to do anything but give me the run around. I have fax my driver license and social security card with proof of address and still they have not provided me with the report nor have fix the incorrect information. This account does not belong to me. The last names do n't even match, my last name is XXXX.
The company is called affinity global they were called global credit collections. They keep calling my landline asking for XXXX XXXX who no longer lives here. They got there information from a site that u have to pay money to get that persons phone number and other information. I have sent them a electronic written letter saying for them to cease and desist but they keep calling
I filed a complaint previously that was closed, this information is new and another complaint needs to be opened to handle this, it collaborates my issues with Northern Trust. The original complaint # XXXX, had 2 issues, one was the loan refi, which is what I am creating this new complaint. The other was posting issues and inconsistencies that have gone unanswered for years, for which the Company answered ... without any explanation that " We believe we have addressed his concerns ''.

As to the refi, the nature of this extended complaint surrounds Northern Trust sent me a package for me to fill out to see if I would qualify and refinance the second mortgage. I took the package to my accountant, which has been preparing my tax returns for XXXX, XXXX, XXXX, and XXXX for a year or so. I have not previously given my taxes to the accountant because of the initial analysis of how much taxes I would have to pay because of 1099 's. When meeting with the accountant he told me that one of those 1099 was from Northern Trust, for the first time I was explained it was that the bank wrote off the loan in question in XXXX, that they also sent a notification to IRS a 1099-C Cancellation of Debt for the loan in question XXXX for XXXX and they had sent me Tax statement form 1099 for XXXX. This is a perfect example of the bank does things that can be considered Illegal or at least extreme incompetence. How can they be collecting from me for 4 years, after the loan was closed.
Associated Bank continues to report a closed, paid in full account as currently 30-59 days past due on my credit reports. The account is paid in full so nothing can be currently late. The bank keeps saying they are reporting correctly yet when I asked what I need to pay in order to bring this account to a current status, I'm told nothing is owed since the account is closed. I know this, since I paid the account in full. I can't say enough that the account is paid in full. Since Associated Bank keeps countering that they are reporting correctly, I ask they specially answer the two questions as part of their response to this complaint so it is on the record here : 1. What is the balance on this account? 2. What is the current amount owed to bring this account to a current status? Since the bank is reporting the account as 30-59 days past-due that means a payment is necessary in order for it to be brought current which I then need to pay. If the answer to these two questions is anything other than zero, than the bank needs to correct my credit reports to reflect that the account is not currently 30-59 days past due. I also demand the bank send me any information regarding the arbitration clause that may be associated with disputes regarding this account as that is going to be my next step. If there is not an arbitration clause than the bank should advise so in their response here. A copy of the reports in question are attached with the current payment status section circled in case the bank needs assistance in reading the obvious.
I have had more than one agent from this company call me with a rude tone concerning the debt. I told the first agent that called that I did not owe the debt and would like to dispute the debt. He told me that I had to do the dispute on my own. I informed him that I would call my lawyer concerning the matter. He told me that I should n't waste my money and learn to pay my bills. I told him that was n't his concern. He stated that if I had enough money for a lawyer, I should pay them. Then he hung up the on me. I called back and spoke to XXXX different supervisors who told me the same thing and also hung up on me. I called back a 4th time and was told not to call back. About a week ago, I received another call from the company. This Representative told me that he would cause my credit score to go down XXXX points if i did not give him {$440.00} to restore the service or {$800.00} to cancel the debt. I told this agent that I wanted to dispute the claim and their agency has been very rude. He again hung up on me. I called back to speak to a supervisor. I explained to him all of the problems that I had in the past with this debt. He said well it sounds like you just do n't want to pay the debt. He then hung up on me.
I called in my monthly payment and went through the menu to start up monthly withdrawls from my account. I got through it and listed the next payment was to come out on XX/XX/XXXX. XXXX days later they took another payment (unauthorized) from my account and bounced my checking account by $XXXX. I've called and talked to them about it, sent back statements  show that XXXX payments were taken out. Now they're telling me that I called in an emergency payment, which I didn't do, and are now trying to lie and say that I made a payment online, which I have never done, never even set up an online account. This company wrongly took money from us, screwed our account so badly that we had to cancel a mini vacation we had planned to take with our children bc of all the missing money and they keep floundering in their attempts to tell me that I made XXXX payments in one month of my own free will, which is so stupid it's almost laughable. On top of that, they tell me that the automated payments that I set up were not in place so while I was thinking that the payments were coming out, I'd be getting late charges added to my account, which is how this company operates anyway. This isn't the XXXX time that they've messed with our lives. Last year I got a foreclosure  notice saying that I missed XXXX payments which was untrue, but when I called the XXXX number to find out what exactly was going on, they told me that every payment was accounted for and that they had no idea why I was receiving foreclosure notices. But they charged me late payments and told me that they had only recently "found" my payments within their company. That makes everything their fault but I had no recourse to try to fight this. I'm told that I own $XXXX in late fees for XXXX late payments, which were not late. They've shot our credit w their bogus XXXX late payments and so now we can't refinance w another company and get out from under these thieves. They've been known to not process a payment, which means that they claim late fees for months before you even know it. This happened to us a few years ago. We've lost XXXX to this company when an honest agreement was reached by XXXX us, but honest money isn't good enough for them. They want to suck late fees and anything else they can get out of you. They need shut down.
I am writing to dispute the following information that appears on my XXXX, XXXX  and XXXX  consumer report. Online Information Services is reporting inaccurate data to these credit bureaus. I didn't receive a validation letter. I'm not familiar with this account. I have asked them to remove this account because its really bringing down my score. If its not remove/ deleted ASAP, I have no option but to sue this company.
In XX/XX/XXXX I applied for and received a private loan to pay for my XXXX XXXX XXXX XXXX XXXX XXXX  at XXXX University. I successfully graduated my XXXX program in XXXX, and incurred a loan debt of approximately {$60000.00} plus interest.
XXXX first approved my loan, but the debt was later sold to Discover Student Loans. Since receiving my loan in XXXX, I have consistently made my payments on time. I have been gainfully employed since graduating, and currently work for the XXXX XXXX in New York. Nonetheless, my salary is not very high and I have struggled to keep up with the high loan payments. Specifically, I have tried to negotiate my loan payments with Discover Student Loans, and tried to get them to decrease the monthly amount of {$7000.00}, and they have refused to do so. It has been extremely hard to communicate with Discover Student Loans because : 1. They do n't have an actual office in New York and all our communications have been through the phone ; 2. They have increased my loan payments in the past two years even though my salary has remained the same ; and I understand this is a private loan and the interest can go up, but I can not afford to pay $ XXXX monthly given that my salary has not increased. I would like to know if someone from your office and can help me and let me know if I have any options. I am a XXXX citizen, and have a social security number and a working visa, but because I am not a US citizen, many relief programs have been unable to help me. I have a good credit score and this is the only debt I have. I am committed to pay this debt, but need my payments to be more reasonable and proportional to the salary I make. I would appreciate if you could let me know what options I have. Thank you for your time and consideration.
I have provided Identity theft Report, disputed.this debt as such with the original creditor, advised XXXX that I DID NOT open this account. There have been other creditors that I have notified and had this issue resolved. LVNV has purchased this debt, and I have submitted to XXXX XXXX XXXX a validation of debt and a copy of the Police report which I am not sure if they have received. I will be filing an Attorney General, FTC complaint against XXXX, LVNV, and XXXX XXXX if this is not resolved. This is the only headache that I have endured after I started to receive collection calls and then check by credit bureau report.
I have contacted Equifax , XXXX, and XXXX on several occasions to remove to old Dismissed chapter XXXX bankruptcies. To know satisfaction, I therefore contacted XXXX Virginia 's federal bankruptcy court. They explained to me that they do not removed old bankruptcies it is the mission of the XXXX credit bureaus. Each one came back stating the information was being reported currently. That is not correct. One Chapter XXXX was filed on XX/XX/XXXX and dismissed on XXXX/XXXX/XXXX with a total of {$0.00} balance. case XXXX # XXXX in XXXX, Va. This should have been removed XXXX XXXX. The fair credit act states that all XXXX XXXX should be removed after 7 years. The next case # XXXX, was filed in XXXX, Va on XXXX/XXXX/XXXX and dismissed the same month with ) XXXX Balance also. This should have be removed back in XXXX XXXX. The credit bureaus or the U.S. bankruptcy courts are not assisting me in this issue.
Bank says my funds on my capital one 360 account is not available for withdrawal call this. Number for more info I call and they transfer me to security team thats only deals with Capital one notcapital one 360 even when I keep telling them on phone ur transferring me to regular capital one and they say no we dont even that number its only 360 so basically they locked my funds I go into bank and cant get my social security money In there because its locked and theres no security team phone number to unlock it and I want to just close my account at this point and get my funds
My wife saw this account re-added to her credit report and I looked and it is on mine too!! I have no knowledge of this account or what I would even have XXXX for ... I also filed bankruptcy for removal of all debts so I know I have not had this account. 

You have helped me in the past and hate I have to ask you again.
Trans Union is ignoring my numerous requests to investigate and remove accounts from my credit file that do not belong to me.
I tried to obtain a free credit report from Experian, because I was denied credit over a month ago, but my request was denied. 
Today when I paid for it, I was able to get the report. 
On that report, there are names I did not recognize, and wrong information. 
I tried to open a dispute and was denied. 
So Experian has to be paid for everything, otherwise I can not move forward with the dispute.