WillisBack/dataset-financial-user-claim huggingface dataset:
my daughter had XXXX on XX/XX/2016. i put the {$1500.00} on carecredit with synchrony bank. the terms were no interest if paid within six months. i set up my bank account bill payer to pay {$250.00} on the first of each month starting XX/XX/2016. i have just received a bill for 5 late payments and interest on the entire amount for {$300.00}. they said i paid outside of the billing cycle and that every payment was late, not early, my billing cycle is the XXXX through the XXXX of each month. so because i was paying on the first, every payment was late, according to them, in my eyes it looks early but they said they can not accept early payments. so they said my initial payment was to just reduce my balance ( is n't that what all payments are for? ), and my second payment should have been paid between the XXXX and the XXXX. i think this is a very unfair practice. i paid the entire amount within the six month promo period and am still being charged {$300.00}, is there anything that can be done??
I filed a lawsuit against wells fargo back in XXXX XXXX cases XXXX and XXXX. XXXX XXXX was the provider. wells fargo has done everything to prevent from keeping my house. The following list is a summation of the events > XXXX ) wells fargo has consistently not applied or has misapplied my payments. They misapplied at least XXXX payments from my loan on XXXX XXXX XXXX XXXX mn XXXX and have failed to rectify it XXXX ) wells fargo behind my back paid a renter XXXX dollars to vacate my property that I had in litigation XXXX ) After winning my case in XXXX XXXX. XXXX XXXX had to contact wells fargo each month for 4 months up until XXXX XXXX for them to apply my payments this did not happen until XXXX XXXX. I made my payments each month and wells fargo kept applying my payments to principal on my loan amount. I kept making my payments up until XXXX XXXX XXXX. Wells fargo abruptly stopped taking my payments and never called me and then actually through ACH forced the money I sent them back into my account. From that point on they never contacted me and refused my payments XXXX ) I was never paid the XXXX that I paid my attorneys to sue wells fargo XXXX ) I was awarded XXXX from judge XXXX to be paid by wells fargo due to the fact that wells fargo did not follow the judges protocol in reversing the foreclosure in a timely manner. This was to be applied to payments which was never done. 
XXXX ) I have had many conversations with wells Fargo ' XXXX office. the people in these office are barely college educated kids who do not understand the banking process and pander to whatever Wells Fargo want them to say.the issues never get resolved I want my XXXX dollars applied to my account : basically applied to my past due payments that wells fargo has refused to accept. I want my XXXX that was awarded to me applied to my past due payment schedule.. 

Wells fargo has caused a lot of heartache and pain and suffering since the 5 years ago when I took them to court and won my case against them and they continue to do so.They are a monster and the banking system should cause them to fail for everything they have done to people. there are numerous lawsuits against wells fargo including the recent one where they fraudulently opened accounts unknowingly for their customers. how long must wells fargo be allowed to do whatever they want and go unchecked. They are a corrupt organization. 

I want these monies applied and I want wells fargo to take my house out of foreclosure and I also want my mortgage free and clear from wells fargo I took them to court once and I will take them to court again. 

The CFPB has an obligation to take care of this for me as well as all consumers who have been tortured and bullied by this banking institution
Made a payment of {$300.00} on XX/XX/19. Notice on my account said payment pending. The notice disappeared from my account. Payment was never applied or taken out of my bank account. Emailed customer service, no reply. Called customer service, was also locked out of my account and could not log in, escalated to two supervisors, the last of which refused to assist me. Said an " escalation team '' would call me tomorrow. Told her I worked during the day but gave her my cell number. This has been an ongoing issue with Wells Fargo since at least last Thursday, and they should have been more receptive and immediate with solving my issue. I am still locked out of my account.
In 2012 by using the online service Swap-A-Lease and the approval of Mercedes Benz Financial Services ( MBFS ) we were able to swap a vehicle with XXXX XXXX. We asked MBFS if they had done business in the past with XXXX and their response was yes, which gave us peace of mind. Our vehicle was in outstanding conditions, we attached the XXXX Report with the swap information. On XXXX/XXXX/12 we successfully handed the vehicle over to a lady representative of XXXX and immediately mailed the payoff check to MBFS, who also sent us the Lease End Statement. Two months later MBFS sent us a letter saying the check had no funds and the car had been repossessed on XXXX/XXXX/12. 
The original payoff letter/quote was valid until XXXX/XXXX/12, but MBFS repossessed the car a full day before the end of this committment. MBFS never informed us of the insufficient funds check until XXXX. In the time MBFS kept this information from us we had already committed to a new smaller vehicle, a XXXX XXXX. We called XXXX XXXX to ask what had happened, they said they had asked for 3 more days to cover the check but since it had been taken from them, they now had no reason to cover that check. While the car was away somewhere it apparently had some hail damages which got fixed, again without our knowledge. So the balance on the account is XXXX + XXXX for repairs that we were never made aware of, we just simply have to pay. When a car is taken in for service even a {$15.00} part is first consulted with the owner, but in this case nothing has been consulted with us, we feel this is Consumer Deception. 
If MBFS really felt that we were still responsible of this car, why did they not get in touch with us as soon as they realized the check had no funds? We would 've reached out to XXXX and maybe offered to pay one more month in order to give them the opportunity to gather the funds for the check. Why did n't MBFS reach out to us showing us the hail damages before proceeding with repairs? Until today we have not seen a single picture of the damages, it 's just been their word. 
When a house is sold and the new owners default on their payments, the bank does not go back to the previous owners, they collect on the new owners. Why is MBFS collecting on a debt that we released with their approval and on which MBFS sent us a Lease End Statement? We feel that it was MBFS who broke the Agreement, they did not comply with the provided Payoff Date, they repossessed the car without our consent and they made repairs also without our consent. We believe MBFS did this knowing that the vehicle was no longer our responsiblity, that 's why they made these decisions on their own. We have been called through several collection agencies and threatened with legal action.
Hello ... I obtained this loan while attending XXXX XXXX XXXX XXXX. The initial loan amount was for {$16000.00} taken out on XX/XX/XXXX This negatively amortized loan from XXXX XXXX XXXX has to be illegal. I have made most of my payments with some deferments here and there and my total that I owe now is {$25000.00}! My balance increases with making payments every year. I filed bankruptcy in XXXX and should have been able to discharge this loan through my bankruptcy but it was denied. I could n't pay the loan terms then and I ca n't now. I have contacted XXXX 's servicer AES several times trying to modify the loan to reasonable terms and they refuse to work with me. I have made over {$12000.00} in payments yet my balance continues to go up.
I applied for a loan from ace cash express on XX/XX/2015 I was approved and received my money. I don't remember the exact amount, but they are saying I owe XXXX now. They call me repeatedly 19 times in 2 days. I've offered to make payments on my time with what I can afford I work part time and make XXXX an hour working 15 hours a weem paid every 2 weeks and plus raise my son. They told me they have me on video, which is wrong I applied online, and that I drive a black XXXX, which is wrong. They tell me they will use me, take me to court and make sure my son get taken away. I'm XXXX off over this I understand I need to pay it and I will buy I refuse to let my son not get his daily nutrition over a payday loan payment.
In XX/XX/XXXX I was filling out applications for employment at XXXX XXXX when their databases were hacked. Those who used the XXXX XXXX site received notices to contact all ( 3 ) Credit Bureaus and request a long term freeze and fraud alert for their credit bureau files. I wrote letters to all ( 3 ) credit bureaus with the information the XXXX XXXX gave me and a request for a fraud alert, freeze, and removal of the fraudulent data. All three wrote me back and confirmed these requests, however, on XX/XX/XXXX, there was a fraudulent request for credit on my credit report and my updated address ( XXXX XXXX XXXX XXXX, XXXX, KS XXXX ) and the removal of my old phone # ( XXXX ) XXXX had been taken care of. But they did not put the freeze on and they allowed someone to put a hard hit on my credit report for XXXX XXXX in XXXX XXXX, Californiia. They allow people to pull without reason from citizens ' credit reports. Please help me!!!
I sold a house in XXXX of XXXX -- paid the mortgage off -- and it still shows as an open account with a balance of $ XXXX I have tried multiple times to get this fixed and changed on my credit report to show the debt as paid and the account closed to no avail. 

Most recently, I contacted both TransUnion and XXXX as well as XXXX XXXX XXXX Mortgage to attempt to get this resolved. 

I have gotten letters stating that a review has been completed and they did not change anything on my report. Again. 

I have also attached a letter from XXXX XXXX stating that the loan is paid in full and that they were working with the reporting agency to get the reporting issue resolved.
I am claiming that SPS, " select portfolio servicing '' is purposefully holding up the process of the short sale on my rental property. They have drug their feet on XXXX offers and have sent me several letters that I do not qualify when in fact they have received every document they have requested and many times duplicates had to be sent because of them saying that the documents were lost. This process has been dragging on for 5 long, grueling months with a tenant who also has no idea what is going on or a reasonable time frame in order for her to move and find another home. They have sent me threatening letters and gave me incorrect information on several occasions about the processing times. They just recently told me I could n't access my own property/loan information. Because they had the wrong zip code in for my property and because I could not verify the zip code ( because it was in their system wrong ) I was not able to get an update of my short sale. This company is a crooked, useless group, which bought out my loan with XXXX.
It has been very difficult for me to pay my mortgage by the due date of the XXXX of each month. I make payments on my account every month before the XXXX of the month. Nationstar charges me {$71.00} in late fees and {$9.00} processing fee for the 5-10 days that I 'm late. Currently I owe late fees of over {$500.00} in late fees and I do n't see being able to gather enough income by the XXXX of each month any time soon due to my financial situation/income. So every month to compound my financial struggle Nationstar starts to call me daily starting the XXXX of each month and I tell them that I wo n't be able to make a payment till the XXXX of the month. They call me each day after the XXXX of the month to harass me for this. It is very anxiety proking. So I am charged over {$80.00} and harrassed each month on top of struggling to pay my mortgage. I have been refused for a XXXX loan 4 times because they consider it a XXXX home because I airbnb out my home to help pay the mortgage even though all the utilites are in my name. All I need is to extend my payment grace period to the end of the month so that I can avoid late fees that I simply ca n't afford. My loan ballooned from {$1600.00} to {$1800.00} causing this issue. Also the only option I 've been given by nationstar is to pay extra {$2200.00} for 4 months so that I can pre pay 1 month of my loan adjusting the grace period. That is not a realistic option for me as I 'm struggling to pay my mortgage as it is.
I have a debt showing on my credit report from a utility company that was turned over for collection in XX/XX/XXXX. It says I was a cosigner on an account. I have never cosigned for anyone.

I called the utility company and they looked through their records and the only thing they show is my current account which is the only account I have had in my name since XX/XX/XXXX. 
I have contacted the collection agency twice and they do n't show any accounts with my name or social security number. 
The girl I spoke with yesterday said she cant do anything without the name of the person I cosigned for. Since I did n't cosign for anyone I do n't have a name to give her. 
She said there is nothing they can do so they wont remove this from my credit report.
There are two issues at hand : 1st issue is that I have a mortgage with XXXX XXXX, that was set up last XXXX, and it is still not reporting on my Transunion file, it is how ever reporting on the other 2 agency 's, I have called mutiple times to get it corrected and get some one overseas that tells me that that I have duplicate files, I told them there are 4 XXXX XXXX XXXX in XXXX County,  Ohio, but it 's never been corrected as of today, I have reach out to XXXX  and they state they are reporting. 

2nd Issues, is that we did a tax settlement with the IRS, the IRS agreed and we file the paperwork to remove the reporting of a Federal Tax Lien over 7 years ago, mutiple letters and calls to get it resolved, but it 's still reporting.
Boeing employees credit union recently reported my current home loan as derogatory, and closed due to chapter  XXXX  bankruptcy and now my excellent credit has dropped  XXXX  points at one credit bureau. I was legally divorced in  XXXX   XXXX . My ex wife filed bankruptcy a month later in  XXXX   XXXX  and included our home loan in the bankruptcy. The home was awarded to me. She signed a quit claim deed in  XXXX   XXXX .     I was in the process of assuming the loan with BECU to get my ex wife 's name off the home loan. In approximately   XX/XX/XXXX /  XXXX   XXXX   XXXX    I assumed the loan fully so that the loan is in my name only. None of the payments for this house have ever been late. No portion of this loan has ever been forgiven or written off. I have never filed bankruptcy or co filed bankruptcy I do n't see how it is even legal for them to report that my home loan, in my name only, has bee n discharged due to bankruptcy when it never was discharged. I have always been current with my l oan The credit union needs to remove the wrong derogatory information from my report and restore the loan as it was to show it current, all payments on time and no bankruptcy.
I need late payment status removed from all three credit bureaus due to my student loan status being in deferred.
I have been on the phone with XXXX XXXX countless times this was all settled I do not owe them {$560.00} and the account is closed. 

I am unsure as to why it still says open or why they feel I owe them anything. I was told by there customer service they would let XXXX and XXXX know the account was settled and months later nothing has been done. 

We had came to a settlement which they already know. Hopefully this honest error on there part can be fixed thank you. Any questions call me.
XXXX XXXX, a unit of Nelnet, sent me a notice of increased payments calculated on my student loan due to a variable interest rate. They repeatedly refused, and continue to refuse, sending me the complete set of calculations supporting the change in payments. They sent partial libor related data but never sent the full equation and explanation. I contend this is egregiously wrong and evidence of bad faith in lending and the process of collecting payments. I would ask that they notified of a valid complaint and an investigation commenced. Failure to share details such as this generally implies there is something to hide. My name is XXXX XXXX and phone number is XXXX XXXX XXXX.
On XXXX, XXXX XXXX XXXX  contacted me at work on my work line. I informed them that I could not accept personal calls at work and gave them an alternative number. I received a second call on XX/XX/XXXX18, and a third on XX/XX/XXXX18. I have informed them that this is a business line and I am not to receive personal calls, yet they persisted with asking me for information despite my repeated warning that this was a corporate line. They kept saying " It will only take a moment of your time. ''
I have been paying off my loan through the Rhode Island Student Loan Authority since XXXX, which is when I graduated from the University XXXX. Initially, I was paying $ XXXX/month, which was too much for me to handle, so I requested in XXXX that they lower it. They told me they could n't do that. 
In XXXX, I had to go into forbearance based on my income at the time. When that forbearance term ended, my payment had magically become $ XXXX/month with no indication as to why that happened. 
I found out today ( XXXX/XXXX/XXXX ) that they lowered it because of my forbearance term and that they could n't decrease my monthly payment any further. The person told me that 's because they can not extend the life of the loan behind 15 years. 
Basically, I do n't understand how they could n't lower my payment 5 years ago, but then they magically could a few years later. This is absurd and I can not handle paying $ XXXX/month right now.
I have a loan with SYNOUVUS/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SYNOUVUS/XXXX with no successful resolution. XXXX, XXXX  and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
I recently made a large lump sum payment to my student loan. I called Navient ahead of time to confirm that this would decrease my monthly payment amount. The representative stated that it would, and estimated that my payment would decrease from $ XXXX/month to approximately $ XXXX/month. She stated that I should contact Navient after my lump sum payment went through to request a new payment amount. 
When I did so, I received a form-letter email stating that lump sum payments would not typically reduce the amount of the monthly payment, but would decrease the term of the loan. The email said, however, that Navient would honor my request and send me a followup letter when the new amount had been calculated. Instead, the followup email again denied the payment decrease. I called Navient today and spoke to a representative, XXXX XXXX XXXX? ), who consulted with her supervisor, then explained that there had been an error processing the request. She promised to correct the error. Instead, once again I got a form-letter email stating that the monthly loan payment would not be changed.
hello I have a first and second adjustable rate mortgage serviced by suntrust mortgage, the note states change date is XXXX XXXX 2011, and the rate is to follow the 45 day libor and add a XXXX margin. how can I get suntrust to acknowledge they have been over charging and get them to refund they have been charging 5.5 percent and should have been charging 3.3 percent.
I have a HELOC with BBVA Compass Bank. This morning I phoned my branch to inquire as to why my automatic payment that was due on XXXX had not been taken out of my account. The person I spoke to could not answer my question and informed me that my branch did not have a manager. I called the main number to the bank and after being on hold for more than 20 minutes I spoke to a manager named XXXX # XXXX. He informed me that because I made a principle payment in XX/XX/XXXX, the bacnk takes that money and applies it to my XX/XX/XXXX payment and does not take out an automatic payment when one is due. That means that the bank continues to charge me interest for an additional month. In my opinion that is just plain stealing. I set this account up so that the payment would be taken out automatically and I could make additional payments when I could afford it. I have XXXX children in college and I work XXXX jobs just to try to stay ahead and then I find out that the bank is stealing from me and probabley XXXX other customers because no one told them how to avoid this issuer.
I have four savings accounts at Wells Fargo, one for each of my children. My mother, XXXX XXXX XXXX, is a signer on each account and also an employee at Wells Fargo. After learning that my parents have stolen money from multiple family members and organizations I decided to close my childrens accounts and move them to the credit union I am a part of. While at the Wells Fargo branch ( on XX/XX/2018 ) I was informed that my mother withdrew all of the money from each account, leaving only {$100.00} in each ( total withdrawn was just over {$3800.00} ). She had also opened new accounts for each of my children with only her name and their names on them. I inquired how she would be able to open an account for a minor that she isnt the guardian of and was told that all she needs in their SSN. The only way she ever could have access to any of my childrens SSNs would be through her employee access at Wells Fargo. I have made a complaint with them and they are investigating but it has been almost two weeks and I am completely brushed off and dismissed when I call to ask about an update. 
I do not care about the money, some of it was even put in those accounts by my parents as XXXX/birthday presents, what I care about is cutting all financial ties between myself/my children and my parents. 
Wells Fargo will not allow me to close the accounts she has opened without my name. When I contacted my mother she told me not only would she be leaving those accounts open, but she will also be distributing my childrens SSNs to other financial advisors and institutions to open new accounts.