WillisBack/dataset-financial-user-claim huggingface dataset:
This company called me repeatedly trying to secure payment for a vehicle that was never even showing on my credit report. Then when the vehicle was placed on my credit report after  one year it showed a year of late payments and a high interest rate when due to the soldier an d sailors at the interest rate was supposed to be at 6 %. I try to explain this repeatedly they did not want to work with me and insisted that although I was   XXXX   XXXX   XXXX    th ey wanted for payment or there would be substantial recourse. The recourse was explained as lawsuits or garnishments. I encountered rude customer service representative 's and account managers in regards to this account. There were no solutions given only negative credit reporting and negative/rude customer service. Additional monies were added to the loan that were not included in any contract that I signed at the time of purchase. The dealership that I purchased a vehicle from went out of business and did not have proper paperwork a few months after I purchased the vehicle.
Ocwen Loan Servicing LLC has been misapplying our payments in order to fraudulently misrepresent that we owe one back payment ( approximately ; the figure varies randomly ). All the proof previously submitted to Ocwen and in our previous CFPB complaint proves that we have never been late or in default on a payment since our loan modification went into effect years ago. After our initial complaint to the CFPB you said we would receive an explanation from their ombudsman. We NEVER have received any explanation. On the contrary, the " ombudsman '' just attached the same documentation back to us that proves we made all our payments, with no acknowledgment of our very clear demands, no explanation of the reason for their misattribution, and no apology or compensation offered for the damage done to my credit score, my time and my health. They subject me to the constant stress of falsely threatening me with foreclosure. You at the CFPB must follow up and make sure that I receive compensation and full vindication of my financial records. You should review the case and do your own investigation, as they have failed after numerous letters and phone calls trying to get them to stop the false double billing every month. I tried to make a phone payment to them and have them apply it correctly to the XXXX bill but they said they would be applying it to the XXXX bill even though they acknowledged that the XXXX amount was paid on XXXX XXXX. By the way on the phone menu I requested the " relationship manager '' on the account. The person who answered, one XXXX, was clearly not a manager at all, even less a relationship manager, because she simply read boilerplate to me and provided no attempt to answer these questions ; on the contrary she said she had to apply the payment to XXXX as that was what showed, and said we could address any complaints to the Research Department ( this designation on the phone menu was so blatantly false that this also rises to the level of fraud ). Since there have been no results whatsoever from our bringing this to the attention of Ocwen 's " Research Department '' where they repeatedly refer us ( and who never answer ), and to their corporate administration, please review this matter and reply to us within two weeks, as this has gone on far too long ( for years ), and it is clear it will continue forever unless you take action against them.
On XX/XX/2018, I received an alert that a new collection was reported on my credit reports. I reviewed my reports and seen a entry from Accelerated Financial SO ( 12 XXXX Retail ) with a balance of {$2500.00} and a high balance of {$290000.00}. I have disputed XXXX 's 2 years ago about this account. I requested documents and it was proven that this account was not mine. The application clearly proved that there is an individual with the same name that lives in a neighboring city.
This company Caine & Weiner that I have no financial obligation to is reporting negative information on my credit report. I never heard of this company. I did not give no one permission to share my information.
On XX/XX/XXXX, I received a voice mail from a lady named XXXX around XXXX and on the voice mail she threaten to take legal action if I did n't return her call by XXXX. She left XXXX numbers on the recording : XXXX and XXXX. Because of the threating tone, I told my XXXX husband, XXXX. I provided him with the phone numbers because I was experiencing mental anguish over the nature of the call and had not gathered my composure. He called and XXXX XXXX answered the call. XXXX XXXX was rude and told me that she was calling about the debt associated with a discover card account # XXXX in the amount of {$2900.00}. I indicated that we both had experienced episodes of identify theft and I would like to speak to her supervisor. At that time, she placed me on hold and I was able to speak to XXXX XXXX XXXX. I asked XXXX XXXX when was this debt incurred and she stated that the account was open on XXXX and closed XXXX. When I asked XXXX XXXX why was she attempting to collect a debt over eleven years old, she stated that her company just got the account. When I told her that she was not following federal guideline as a debt collection agency, she became irate and evasive. I asked to proof her identify by reciting her driver 's license and she refused. I told her that she had not validated the debt. I told her to show proof that the debt was assigned to her collection agency along with the date and by whom. XXXX XXXX hung up the phone. In fact, the phone was hang up on me XXXX or XXXX times each time I called back. After getting off the phone, I told my XXXX wife that someone is conducting an illegal investigation into our credit background. I asked my XXXX wife did she know anything about the debt and she told me that that account was dissolved in bankruptcy court in XX/XX/XXXX. After this incident, I researched this collection company, XXXX XXXX XXXX, and found the owner to be XXXX XXXX and that the company was bonded XX/XX/XXXX. As with a similar complaint on file with your agency # XXXX, this above named collection agency had no legal standing to attempt to collect a debt that was already liquidated and well out of the statute of limitations. Please have XXXX XXXX provided his occupation over the past twenty years and the name of the individual, his affiliation, his company, the creditor who forwarded this account to his collection company. Also, please have XXXX XXXX provide documented proof that this debt was assigned to him by the original creditor, a workable phone number to reach said individual and the driving license number of said person, and again the date that this debt was assigned to his company. The request for a driver 's license of the person who transferred this debt is significant because we believe that this is a bogus and fraudulent attempt to collect a debt and it violates the fair debt collection practices. 

XXXX XXXX and XXXX " XXXX '' XXXX
CMRE is reporting a collection account but will not validate the debt. I had / have insurance so I have asked for an accounting of what they say I owe and they have ignored me but continue to report it on my credit report. I had disputed this with the provided prior to it going to collection.
XXXX XXXX XXXX has reported on two occasions within the last two months a collection account to all credit bureaus in my name in error. This reporting problem /error was cleared up in XX/XX/XXXX and was deleted by Stellar but was again reported as a collection account XX/XX/XXXX. This has caused my credit score to dropped, undue stress, countless hours of time spent on trying to get this resolved. Additionally, I was not notified that a collection item was reported. Only because I pay credit bureaus to monitor my account that I was alerted of the collection account. This is not fair to me and I am hopeful that XXXX procedures are reviewed so consumers like me are n't subject to this unfair, illegal and embarrassing practice. this has to stop -- -so damaging.
My husband lost his job XXXX XXXX, 2015. I am in nonprofit, not enough to pay our mortgage. We 've been in this home for 20 years ... stuck in a bad mortgage ( we expected to refinance this fall but he lost the job ). We have never once been late, ever, until a week ago ( but we have not been sent to credit, as it has not been 30 days ). The loss of income coincided with this loans uptick in interest rate and principal payment, which is overwhelming. WELLS FARGO will do nothing to assist while my husband is out of work. We are not asking for forgiveness, just help during this time. This morning we were told they would do nothing.
SINCE 2010 THE COURT REQUEST XXXX XXXX XXXX XXXX TO PAY THE BILLS FOR THE HOUSE AND IM DONT. 
HAVE TO DO ANYTHING WITH THE PAYMENTS HES AFFECTING ME UNPORPUSE. 
That mean 1st. Mortgage ( XXXX XXXX ) and 2nd Mortgage ( XXXX )
Usaa would n't credit my account with an international wire even though I had documentation proving it was mine. The company wo n't do anything to help me
When are you guys ever going to do anything to HSBC /Benefical for their mortgage loan practices. 

You can XXXX and read for days all the issues, Not crediting acct, High interest XXXX 12.0 % ), NO modifications, closing offices and not renewing loans, excessive fees. 

I know Im not the first one complaining to you guys. 

PLEASE HELP!!!!
XX/XX/XXXX was a service we had back in XX/XX/XXXX- XX/XX/XXXX. We moved from XXXX county to XXXX XXXX and when we moved their services did not cover our new area so we stopped services at no charge. When we moved we took the cable with us however we kept having problems with service and connection and their prices we called in and because of our issues the rep agreed to have our cable cancelled and we would not be charged anything because we were not happy with services. He just told us to make sure we turned in all equipment so we do not get charged for it. We sent it all in and called to verify they received it and they told us we had no balance and we went our own ways. Now XX/XX/XXXX we live in Texas and I received an alert on my credit for a collection account for XXXX $ we have never received anything in the mail in the last 3 years. I called the collections and they told me that I will be paying it very rudely. I am so upset because they have damaged my credit when we are trying to qualify for a house and we never received any calls emails or letters regarding the debt that we do not even owe. We were assured as long as we returned the equipment we would not owe anything and now we are being told different. That is not fair and very unwthixal and we we're hoping to establish a new service with XX/XX/XXXX when we bought our home but after this I am definitely disappointed and want this issue fixed.
My savings account was opened on XX/XX/XXXX and closed on XX/XX/XXXX. I was not notified of this closure. I called and asked why and was told that the account was at a 0 balance for XXXX months. I advised that the account had not even been open XXXX months, and the bank changed their answer to say that they had a policy if the account was at a 0 balance for 3 months it would be closed. The account still had not been open XXXX months when it was closed but when I asked for a copy of this policy ( as the packet I had been upon opening the account given did not state this ), they refused to send it and said I could only get it at the local branch. I unfortunately work all the hours the branch is open and asked again if I could get a copy sent to me. When the representative again refused, I asked to speak to a supervisor, was put on hold, and no one ever came back on the line. 

This is concerning to me as it seems the rules either changed and I was never notified, or was not given the proper paperwork upon opening the account. It 's especially concerning that the bank seems to be adopting deceptive practices by not clearly stating those terms in writing, and moreover refusing to show the supposedly available paperwork upon request.
I am an Identity Theft Victim. My original FTC document was XXXX to CFPB on XXXX XXXX, XXXX. My personal information ( SSN, Birthday, Address, Driver License #, Phone # ) were stolen after I opened a phone number on XXXX XXXX, XXXX at XXXX Store XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Sale person # XXXX The Criminal used my identity 1 ) Changed my address on file at Credit Card company, fraudulently charged more than {$36000.00}. ( XXXX XXXX {$12000.00}, XXXX 's {$4000.00}, XXXX {$7400.00}, {$1200.00}, {$1400.00}, CitiCard {$2000.00}, Macy {$1500.00}, XXXX {$1800.00}, XXXX {$4400.00} ). Repeatedly asking for Credit Card replacement or new card after I closed the previous ones. 
2 ) Stole my phone number twice and pretended to be me for Credit Card Call Back Verification. They also opened several lines with XXXX and charged equipment. 
3 ) Showed up at my address twice, first time waited for XXXX delivery to retrieve XXXX XXXX that I did not request and the second time stalked at my place, either waiting for US Mail delivery or tried to break into my now locked mail box.
I purchased some appliances at HHGregg in XXXX around a year ago. The salespeople told me you can save some money if you open up a credit card account with them interest free. I did open up the account and have been making all my payments. Last month I was shocked that my balance went from XXXX to XXXX. The salespeople did not explain that my interest free account was not really interest free but deferred. The place of purchase is no longer in business and that store is closed. I in good faith took the interest free card and was looking for my final payments in a few years. 
This amount of interest is unethical. The loan if I keep making payments will never be paid off. I am retired and this interest amount amounts to over 6 weeks of my pension. 
I honestly believed that my loan was interest free like the one I have with Solid Wood Cabinets through XXXX XXXX. I feel deceived by the pressure to purchase a credit card not knowing the deferred interest clause.
Santander sent me a letter dated X/XX/17 in response to my complaint of inaccurate information in addition to wrong account history. They claim that the credit reporting agency is at fault and they will not delete this account. Per the fair credit reporting act the company and the reporting agency gettogether and research the information once one disputes. Santander claims that they are reporting the same information to all three bureaus. I find that odd considering that one of the bureaus, and I have several hard copies as proof of all three bureau reports, one credit bureau has the balance as {$0.00}  and the account as closed. Santander claims the reason for the different balances has to do with me disputing this account. That makes no logic whatsoever. Consider the fact that seeing the information being reported wrong is what made me dispute the information. Meaning, the information was already wrong prior to me disputing. Santander claims that the bureaus interpret the reported information they way they see fit. I dont see how {$15000.00} can be intepreted as {$0.00} At this juncture, because Ihave tried to rectify this erroneous account with Santander several times, and there is a legal paper trail of proof, I now have a right to file a suit for damages if they do n't instruct the three agencies to delete this account off of my credit report. Not update, but delete. Thank you
I am a non-traditional college graduate and I graduated XX/XX/XXXX. I began making payments to XXXX XXXX XX/XX/XXXX and refinanced to a graduated payment plan with Navient XX/XX/XXXX. In looking at my current statement from Navient, I owe {$60.00} more in principal than I did when I started making payments 2 1/2 years ago. 
This is a FIXED RATE LOAN. Yet, Navient did n't calculate a payment structure sufficient enough to cover the interest, so they add the shortfall to my principal. Blatantly stated, they are cheating their customers and continuing to profit by adding this onto the balance. 
HOW is this legal??
Amerinational Community Services Inc., XXXX XXXX XXXX, XXXX CA XXXX is not only a fraudulent company but also the loan servicer for the City of XXXX XXXX, CA who is the second lien holder on my mortgage which was refinanced on XX/XX/XXXX. The City of XXXX XXXX had earlier on modified my loan balance from {$30000.00} to the new balance of {$35000.00} with payment due on XX/XX/XXXX way back in XXXX due to the job loss I had when I was unable to keep up with payment. The modified balance was {$35000.00} taking into account the missed payments and late charges at the time. 

At the close of the refinance escrow on XXXXXX/XX/XXXX, I noticed from my closing statement an extra late charge of {$620.00} including the total pay off balance of {$36000.00}. I contacted Amerinational Community Services Inc., the moment I noticed the extra charge on XX/XX/XXXX to request for the refund in escrow of the {$620.00} and they refused. I had since XX/XX/XXXX been calling them since but to no avail. Could you please help me to recover my {$620.00} from these fraudsters called Amerinational Community Services Inc. Thanks.
After several weeks of trying to work out the logistics of a return for defective merchandise with a vendor and realizing that we were not getting anywhere with them, I contacted Chase in order to dispute the charges with them on XXXX XXXX, XXXX. I explained the issue and that the vendor had agreed that their merchandise was faulty and that they would take back the item, however, we would be responsible for expenses associated with the shipping ( it was a dining table base so it was quite heavy and crating was necessary ). I gave all the requested information as to dates, amounts, contact information for the vendor, my contact info, as well as offered to send video documentation of the defective merchandise. The customer service rep stated that a temporary credit would be applied to the account and they would begin the dispute process. In XX/XX/XXXX, when reviewing our statement, I noticed that this charge had not been applied, nor had I received any written information regarding the dispute. I called and was told that " for some reason '' the dispute had not been processed and was assured that it would be taken care of. It was a month later when I noticed that the temporary chargeback had STILL not been completed so I began following up with Chase regularly to find out why this was taking so long. After speaking with supervisors, it became apparent that even though we had filed the dispute within the appropriate timeframe, since Chase had failed to submit the claim in a timely manner and the window for filing the dispute had passed. Over the coming weeks, we spent considerable time following up trying to get resolution. We explained, and they admitted fault, that Chase had dropped the ball and had not submitted our claim in time, even though we had done everything we were supposed to have done. They contacted the vendor who was still willing to take the table back, but were still unwilling to negotiate costs associated with shipping, which was the reason for our original dispute complaint. We were told that the timeframe had passed and since the vendor was willing to work with us, Chase was going to close our case. This whole experience was very frustrating. We did everything we were supposed to do and the ball was dropped, not once or twice, but more than 3 separate times we had to contact them for a resolution to a dispute which they had done nothing with. The only time we received anything in writing regards to this was on XXXX XXXX, XXXX when they sent a form letter with inconsistent information and implying that we were going to have the charges that were never removed from the account added back on to our next statement. As a result of Chase 's negligence in handling this dispute, this has cost us thousands of dollars in time and resources to get it back to the vendor in order to get some of the money returned. We are a small owned business so this has impacted us. We would like Chase to be accountable for the handling of this transaction and make it right.
I borrow through Navient and I 'm on income driven repayment. Every year they have failed to tell me when I need to renew and I am surprised by a bill that 's roughly XXXX my usual monthly payment.
Complaint XXXX was closed by CFPB although the merchant ( Barclay 's Bank ) advised me they were still working on it. XXXX from Barclays indicated she was working on finding the incorrect address issue with the original billing. I called her repeatedly with more information, but she did not respond. The company 's letter was incorrect and reveals that either their records are faulty, or they are concealing the true nature of our conversations. XXXX 's description of my telephone calls with Barclays is false. i specifically talked with the representative about my change of address and the fact that Barclays sent the bill to the wrong address. The fact that XXXX hides this makes me think they are intentionally providing false information to CFPB.
Wells Fargo Home Mortgage has yet to address issues that was requested back in XX/XX/XXXX & XX/XX/XXXX in which they was mailed several US Reg Mail in which they sign for. I requested in XX/XX/XXXX proof of the series bonds front and back be sent to me for proof that this was a legal loan to the series bonds on the instrument that makes the loan legally binding. The was no effort on Wells Fargo Home Mortgage to ever send what was requested. I also have phone records that Wells Fargo Home Mortgage was not calling back to address the issue they had assign it to a direct person in which every time I call him he was saying he was working on it. 4 months past and nothing of the requested information was sent or address dealing with the series bonds and information I requested. I have over 175 calls detail on one phone line to how many tines I called. My other phone line has over 90 calls that all detail going back to this person that claim they was going to provide the information requested. I have it all on my phone bill detail billing. 

There has never been no effort to provide the issue with wells fargo home mortgage on what has been requested. This has been going on since XX/XX/XXXX and I have the documents and the detail phone bills as US REG Mail as proof to the issues and how wells faro home mortgage has dodge the issues at hand with fraud done on there part and not providing documents I have requested
In XX/XX/XXXX i closed two accounts with the company synchrony bank, for XXXX XXXX XXXX. They continued to bill me and charge late fees. I spoke with several repreresentatives and informed them i was willing to pay the actual balance owed minus all the late fees from the date Id closed the accounts. They declined. On XX/XX/XXXX a representative from synchrony debt collector impersonated a law enforcement/govt official at an acquaintances home thinking it was my address, and tried to serve me demanding my location and threatening i have an impending lawsuit. The homeowner advised them i have not nor have ever lived at the address. They continued to try to press the homeowner for information with a packet of paper to say i was to be served. This is in clear violation of the FDCPA, in addition to revealing personal information to a non privileged party.