WillisBack/dataset-financial-user-claim huggingface dataset:
loan  XXXX , per  XXXX   XXXX , wanted a " down payment '' made. A {$100000.00} down payment was made when purchased the home as of  XXXX   XXXX ,  2017.    In  XXXX ,    2017 O cwen came up with a " Shared Appreciation Modification '' was nothing but a great big joke ; Ocwen took my  2 pa yments of over {$6000.00} and wo n't return it ; the loan mod is and was dead ; the modification was for Ocwen 's benefit.   Ocwen wanted to make the loan look current for themselves and investor.   The loan mod was not signed properly, notarized or recorded. It was held over my head while a foreclosure was pending.   Ocwen is trying to modify an interest only loan that 's been interest only from the first day I signed the note. T he Loan is DEAD ENDE D.   This loan needs to be truly looked at because the originator is out of business and so is the company.
I saw an ad and inquired about lowering my mortgage loan interest. I clicked to a website and entered my phone number. I received a call back immediately from a " banker '' representing Loan Depot. During the informational phone call, the employee looked up the neighborhood and stated the values were lower than I was stating my home value should be. He checked a few other sites and found a variety of values. He talked me in to going ahead with the appraisal. I would not give approval until I spoke with my husband. I did call back and asked specifically what would happen if the values came in too low. He insisted they work with plenty of lenders and could find a program. To entice me more, they dropped the cost of the appraisal from {$420.00} to {$300.00}. The appraisal was done, on my dime, and came in {$25000.00} lower than a previous appraisal from 8 years ago. I was stunned. The company is now trying to get us to pay them {$20000.00} down to cover the equity and continue the loan. I am demanding from them my appraisal cost back on these grounds : They are the industry experts, when they pulled up a neighborhood whose prices were in turmoil I feel they should have strongly advised against trying a refi at that time ; also-they hid the fact that this FHA loan required certain home features which would have been an issue even had the value come in as hoped ; finally, I feel they are a predatory lender who will do anything to charge the thousands of dollars they collect for providing the service. They even reduced the amount they would charge me by approximately {$1500.00} when I kept questioning them and being resistant to the extra fees and charges. As a homeowner, I would have no way of knowing my exact value. As I stated before, they are in the industry and should better understand the process. With housing in the state it is, homeowners should not be pushed in to paying for an appraisal which is really just a gamble for the bank to make a few extra bucks to file paperwork. I would have NEVER taken this gamble, I would have been better served being told the truth. I should have been told to wait until the area stabilized and had recent sales. Telling me they can still do a loan at the original terms, but only if I come up with an additional {$20000.00} for equity, is an example of an over-promise and under deliver. I was duped by Loan Depot, and feel this company exemplifies the predatory lending label. They will do anything to try to make their few grand a customer. As I write this, I am waiting for the manager to return my two unanswered phone messages where I stated these exact complaints to her and demanded they return my appraisal fees. They had no problem calling me 5 times a day to get my financial paperwork in, but have gone 2 days and 2 messages without a response.
Called medical card and XXXX XXXX and they said these company 's are not aloud to bill me I 'm not reliable for these bills
Currently receiving phone calls and mailings regarding a debt owed to XXXX XXXX XXXX XXXX ( servicer ) to creditor : XXXX XXXX. The debt collector is Convergent. Convergent offers reduced balance amount of : XXXX. They claim a total balance owed of XXXX. 

Daily phone calls plus one mailing. 

I do not owe this debt, as this XXXX XXXX XXXX account is not mine. I did not open these accounts.
I am a citizen and resident of XXXX, but between XX/XX/XXXXand XXXX I was employed by XXXX XXXX XXXX and lived in California. Through my employer, I had a XXXX managed through XXXX. When in XXXX I was about to move to XXXX, I wanted to consolidate my accounts in one institution, and I chose Bank of America ( BofA ), which is where my checking and credit-card accounts were. ( If I remember correctly, I spoke about this to XXXX XXXX ( XXXX ) XXXX at BofA, at the BofA branch on XXXX XXXX XXXX in XXXX XXXX, CA ). I was very clear about my residency and citizenship status. Nonetheless, it was suggested that I rollover the XXXX to an IRA with Bank of America, and so I did, sometime in the spring or summer of XXXX. 

At some point later, BofA had XXXX XXXX manage the account. I was informed of this, but I had no say in the matter. 

Then last week, I received a letter from XXXX XXXX stating that they will no longer be the custodian of the account, and that it will be liquidated 30 days after XX/XX/XXXX. On the phone, they explained that this is since I am not a US resident, a fact that was known to them when BofA had me open the account 11 years earlier, and throughout those 11 years. Making some more calls, it turns out that no financial institution is willing to be the custodian of the account, since apparently they I am not a US resident. Thus it seems that BofA behaved either with negligence or fraudulently when they had me open an account in a way that may not have been legal. 

Thus, my retirement account will be closed without my consent, and I will be forced to be responsible for the tax, early withdrawl penalty, and any other costs. 

( I should say that I kept two addresses with BofA : my address in XXXX, and the address of a friend in California who was helping to collect my mail. You can see both addresses in the attached screenshot from the BofA web page. Over the years BofA sent me many account reports to the address in XXXX, so they knew all along that that was where I was living. )
I have been working with my mortgage company for months trying to complete a short sale. The last buyer I had terminated the contract because she states my bank was taking too long to approve the short sale. I have a new buyer now and I submitted all the necessary documents and my bank kept delaying the process & giving me misinformation. They would tell me my short sale is still in review but have decisions made. They would also give me and my Realtor different information. 
They said they denied my short sale because they want the full payment they are owed. My house is worth less than what I owe and I thought the purpose of the short sale was for the bank to acknowledge that and write off some cost. They claim they are short {$450.00}. They are jeopardizing me to get a FORECLOSURE over {$450.00} I 'm totally baffled, disgusted and distressed ; this does not seem to be a legitimate reason to deny a short sale. I 'm sure there are many more cases like mine at this company. 
I do n't understand the reason behind the short sale if the bank was expecting full payment. The XXXX Program is nothing but false hope, a faade. This was a waste of my time, my realtor 's time, the buyer 's time & buyer 's realtor time. This bank has no due diligence, and I desperately need to know my options and request that someone look into this bank to make sure they are not conducting unethical or illegal business practices. Any information you can provide me will be greatly appreciated.
TransUnion shows 30-day late payments from XXXX XX/XX/2010 from XXXX on XXXX accounts. My accounts were always in OK and on-time status with XXXX. They have not removed these reports as requested, even though they are inaccurate.
I already settled this debt with this collection agency as of XXXX 2016 and I asked them several times to remove the entry in my credit report that states collection. Although it appears that I have a XXXX balance, debt collection agencies should remove these reports in consumers ' credit files. And they not only do this to me for to other consumers as well. I have requested them many times but all they say is they can not remove it but they only told me that they keep updating it to XXXX balance. That is the case. If they report it as fully paid then they do not have to update it every month. I am disputing this with the company.
Hello, I was referred for the American Express XXXX XXXX XXXX XXXX and was subsequently approved with an offer of XXXX membership rewards points after spending {$5000.00} in 3 months. I met that spending threshold and reached out and was told first that I was ineligible because I previously held this Card, I advised the agent that I had never had the card and that I never had any business card with American Express. Then they told me I was not eligible due to rewards misuse. They told me that when I apply it will tell me if Im not eligible, I did not receive the alert showing me I was not eligible and therefore submitted the application which resulted in both a new account and inquiry on my credit report. I then shifted my business Spend to this card, which American Express benefited from the processing fees/charges. After the Spend was met they advise I am not eligible for the bonus. I find this to be deceptive marketing and they should have to notify consumers prior to spending their money for the offers they are marketing for. I fully expect the promotion to be honored, as I would not have opened this account with American Express if I were ineligible.
I called to get a duplicate card for my wife. The previous card request was never received. I was told that it was sent. However, I never received it. For security purposes, they closed the old card and issued a new card to both in my name and my wife 's name. I was told that I would receive the new card within a week. I did not even receive the credit card, I got a call from Bank of America, telling me that purchases are being made on it. The purchase was made on XX/XX/18, the same day the card was issued for {$2900.00}. My question was how can a purchase be made on a card that was never mailed out? Now, when I filed a complaint and a request a new credit card, I was told that after reviewing my request they could not issue me a new credit card. I feel that I am being victimized multiple times. First they stole my identity to make a purchase and I lost my credit card privileges. In addition, I tried to get a loan, I am also turned down by Bank of America, all of this as a result of one act that was out of my control.
XXXX - Inquries are not mine. No knowledge. 
XXXX XXXX XXXX, XXXX XXXX XXXX, Citibank, XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX
XXXX has been calling between 2-3 times a day early every day for months. I have told them numerous times that I will not agree to pay a debt until I receive written proof of the debt in detail because I know nothing of this debt. They refuse and told me its against HIPPA laws to disclose that information. But continue to call. They also repeatedly ask for more or different private information when they call and before hey tell me who is calling. Ive just begun to assume its the same place.
These fraudulent accounts need to be deleted immediately : 1.XXXX XXXX XXXX Acct # : XXXX 2.  XXXX Acct # : XXXX
I am following up on my earlier complaint with CFPB in regards to my student loan servicer, FedLoan Servicing. CFPB closed out the complaint after receiving a response from FedLoan indicating that the issue would be resolved shortly. That was about 6 months ago and I have still heard *nothing* from FedLoan about the correct attribution of my Public Service Loan Forgiveness payments ( even after calling/emailing over 2 dozen times over the past many months ). I would like to reopen my case ( XXXX  ) to resolve the issue. I have also reached out to the Department of Education a few times about this ongoing issue, but they have been unable to assist me ( I have n't even received any info from the Dept. of Ed. about my case ).
Can anyone explain to me why it has been 9 months and FedLoan still can not accurately count the number of PSLF qualifying payments on my account? Or even why, after 9 months, no one from FedLoan can even tell me what 's going on other than to say that I have to wait longer?
Received letter dated XXXX/XXXX/2017 that I owe XXXX to " XXXX XXXX XXXX '' - I have never owed this debt. I tried calling National Credit Systems and the agent hung up on me. I want this corrected and taking OFF credit reporting.
They flat out refused to work with me to lower my payment because my uncle who was living with my grandmother had a high disposable income due to not having many bills. I started at my job making {$10.00} a hour they expected me to make a monthly payment of over {$1000.00} a month. I could not keep up with the payments and fell behind. This caused a great deal of stress on my uncle who made the payments and has tracked how much money I owe him. This {$1000.00} dollar payment is on top of my federal loan payment and rent, car insurance and other bills. My grandmother was then XXXX. I was basically ostracized from my family due to falling behind on my student loans. I have been making the full payment on my loans and living on ramen noodles due to being fearful if I fall behind they will take my grandmothers housethaybshe left to my uncle. I just want to create a better future for myself and family with a manageable payment instead of beings stuck in a cycle of poverty. I have a good job and make good money but have nothing to show for it due to my high payments. I feel like I will never be able to start a family or live a normal life due to the ridiculously high payments I am forced to make.
On XX/XX/XXXX I had a promise to pay credit acceptance XXXX for my car XXXX XXXX XXXX. On XX/XX/XXXX I paid XXXX on XX/XX/XXXX I paid XXXX and on XX/XX/XXXX since the website would not let me make a payment on the XXXX I paid XXXX have my car not paid in full. Well on XX/XX/XXXX I was about to go pick my son up and my car was gone! My car had been repoed. So I called credit acceptance and asked had they repoed my car cuz I paid my Carnot they said they did not have a repo out on my car to call the metro police to see if my car had been repoed. Well I called the police to see and they said yes it has I'm wondering why since last week I paid my car note. So wen I had called credit acceptance back they said my car was repoed since I paid on the XXXX not the XXXX but why would u take my money if I was past the promise to pay date. They also said they could not do anything that I would have to pay XXXX to get my car back and I jus gave them XXXX the week before sucks
I was given a " XXXX XXXX Debit gift card '' as a XXXX gift in XX/XX/XXXX. I did not try to use the card until recently in the first week of XX/XX/XXXX. I went online to register the gift card online as instructed on the back of the card. I discovered that fraudulent charges were applied to my card, which was surprising because the card had been in my possession the whole time. 
I immediately called customer service ( XXXX XXXX XXXX XXXX XXXX ) to inform the company and file a dispute in order to get the funds returned to my card. However, each time I called the company I was given different information as to what I needed to fax over and each time I faxed documents over I was told that those faxes had not been received and I needed to fax additional documents. ( See Attachments ) After the third call to them I was told that my account was closed because I did n't call within the 120 days from the first fraudulent charge. However, there was nothing in the advertisement that stated this but in order to get some consideration I must send another fax requesting the Letter of Consideration. In the end, I am constantly given the run around, always with different and various instructions. It is as if they were hoping that I will finally give up from frustrations of consistently getting the " run around.
I applied for a Citigold checking account with a promotion for XXXX AAdvantage points if {$1000.00} of debit purchases were completed within 60 days of opening an account and making qualifying bill payments for two consecutive months. I fulfilled the requirements but had not received the points so I made an inquiry. Their investigation tells me that I will not receive the XXXX points because even though they did not provide me a debit card until after XXXX/XXXX/2016, they started the 60 day duration for debit purchases ( which require a debit card ) on XXXX/XXXX/2016. I have included a timeline of events below. 

XXXX/XXXX/2016 - Application submitted Late XXXX - I received a packet saying that I needed to sign and complete an enclosed signature card, IRS Form XXXX, and also fund my account before it could be activated XXXX/XXXX/2016 - I mail a {$4000.00} check deposit, signed card, and XXXX to Citibank XXXX/XXXX/2016 - I receive an email stating my account is not activated and I have a few more steps. I call and confirm that I have completed the steps and I 'm waiting on my account # and card XXXX/XXXX/2016 - I notice that my check has cleared my XXXX XXXX account, but I still have not received a card or account number XX/XX/XXXX/XX/XX/XXXX - I receive my debit card XXXX/XXXX/2016 - I start making debit purchases XXXX/XXXX/2016 - I make a bill payment to Bloomingdales XXXX/XXXX/2016 - I fulfill the requirement of making & gt ; {$1000.00} in debit purchases XXXX/XXXX/2016 - I make my second Bloomingdales bill payment XXXX/XXXX/2016 - I make an inquiry and Citibank opens an investigation. 
XXXX/XXXX/2016 - I follow up and I 'm told that they are overwhelmed with similar inquiries to mine and I need to be patient. 
XXXX/XXXX/2016 - I follow up and give them information that I proves that I am a targeted member of the promotion and fulfilled the requirements. 
XXXX/XXXX/2016 - Citi responds saying they see I 'm part of the promotion but they opened my account on XXXX/XXXX/2016 and I did n't complete the debit purchases until XXXX/XXXX/2016. 
XXXX/XXXX/2016 - I respond saying this can not be true because I could n't possibly make debit purchases without a debit card and I submitted a check to activate the account on XXXX/XXXX/2016 which they did not deposit until XXXX/XXXX/2016 XXXX/XXXX/2016 - Citi responds saying they 've added the notes to the investigation, but it may not get an exception. 
XXXX/XXXX/2016 - I respond saying it is not an exception, it 's a system error. 
XXXX/XXXX/2016 - Citi responds saying the investigation is closed, they list the promotion requirements, and state that I did n't make debit purchases within " stated timeframe ''.
A debt collector keeps calling me stating they are a debt collector and wanting me to call them back at XXXX XXXX and at XXXX XXXX XXXX. They never leave a name only wanting me to call them. I do not have any debt XXXX and have not in over XXXX years. These are not my debts and I live alone. Please take the time to take care of this. I have been on the NO CALL list for many years and have never needed to contact you before now. Thank you very much
Issue clarification : BoA WILL close cc account not IS closed Received email notification that they will close overdraft CC is not used by deadline. I called the local branch to resolve and was told no one available and I needed to go online, schedule an appt inside the bank. We all know banker 's hours. And I work those same hours so basically I need to change an amount on their cc, keep track of that charge, pay it and that resolves it. Banks are become more and more insular : self absorbed and dismissive. My concern : what happens to those customers who do n't have time or money to respond to the growing isolation we all feel as customers? 
I posted this in XXXX XXXX : As a long time loyal customer you and I stand at a crossroads.  Today I received this notice : " Your Bank Americard Rewards Visa Signature ending in XXXX has been inactive and will be closed on XXXX XXXX, XXXX, if you do n't make a transaction by XXXX XXXX, XXXX. '' I have limited time to deal with your issue so I called the branch office. Due to the apparent inconvenience of my call a recording informed me that no one was available to deal with me and I was 'invited ' to go on-line and schedule an appoint to come in, at your convenience, to resolve an issue that you created. Think about that for a minute from a shareholder and customer 's perspective - you exist to make your shareholder 's money ( we hold BoA stock ) and secondarily to serve customers needs. I hope that BoA can see the irony in that. At this point I know that you will provide boiler-plate-justification response, which is tiresome and mystifying given the plethora of public platforms that are more available to your customers than BoA is or has been over the last 15 years. Im tired of being repeatedly marginalized by BoA. I await your response this request : You contact me within 24 hrs to resolve your issue. If not, there are other banks willing to accept our accounts. Example : XXXX personally answers the phone at the local branch where we also have accounts.
i LIVE at   XXXX   XXXX   XXXX  in  XXXX   XXXX  i got laid off  XXXX . i contacted the  apt immediately to f ind out when my lease has up and to submit my 60 day notice to leave. i moved. i received a letter from iq data saying i owe  XXXX  i called iq data they would not help so i went to   XXXX    XXXX   and t hey did not help either. I went to the city of   XXXX   XXXX   c  ourts and was advised  XXXX  filed on eviction on me. they gave me a copy of the paperwork. i send that ( along with the other paperwork i got from  XXXX  explain wy i owe them so much ) to the  XXXX  credit bureaus for help. the  XXXX  bureau completed investigations ( at leave  XXXX  investigation each  ) but t hey are saying the information has been updated as accurate. I have even called the  XXXX  bureaus and nothing is happening. This month I was told by iq data that they know its not right and  i may o we  XXXX . I did not agree with that. I even offered to pay  XXXX  until the investigation was complete so they would completely remove it from my credit report because  no one will   lease to me and still nothing ... .. I can not get any answers. iq data is still investigating knowing that the information is incorrect. i feel like i this entry should be completely removed from all   XXXX   of my credit report since i have been going through this for at lea st 1  yr. i moved  XXXX , i looked into itin end of  XXXX  ( got discouraged ), did nothing  XXXX  and have been trying to fix it since  XXXX
I have disputed the inaccuracy reporting by the credit agency and have asked them to provide information of they results as well as the reporting individuals name, address, phone number and other identifying information. The credit bureau responded that the information was verified to be correct. They advised the reporting company was the XXXX Bankruptcy Court located at XXXX XXXX, KY XXXX. I mailed a letter certified to the whom they advised reported this information and the letter was retuned as undeliverable. They did not provide a name or a number for the reporting agency so I researched and found a number to make contact. The XXXX court advised that they do not report to credit agencies and could not locate any records that belong to me.