WillisBack/dataset-financial-user-claim huggingface dataset:
I have a mortgage account with PNC bank and established an online account access with them. For some reason my online access has been revoked. When I called them why I cant access my account they told me that I dont have an account with them. I have been making payments to them for more than a year now. Im not sure why they are saying my account doesnt exist while Im making my payments on time. My original account was with XXXX mortgage company but for some reason they transferred it to PNC bank and sent me a letter stating that I should send my payments to PNC Bank which I have been doing for more or less 2 years now. Im really worried if Im scammed by PNC bank in deceving me to making payments to them when there is no account. I dont what will happen to my house, not sure who to trust or whom to pay. Please help.
I received the lease end bill from BMW via certified mail. There is a {$250.00} charge for what i believe is a missing second key. This was on the initial inspection because I didnt have the spare key with me at the inspection prior to returning the vehicle. Upon returning the vehicle at the BMW dealership, i returned both keys and have a receipt which i assume was forward to BMW financial services. 

I called the " End of Term Specialists '' as detailed in the letter i received certified mail on two occasions only to be put on " perma-hold ''. I was never able to speak to anyone. I then called a woman named XXXX at BMW whose number I retained from my last CFPB complaint which she finally did resolve ( she admitted BMW was at fault and resolved the matter only because of the complaint ). 

XXXX could'nt get me to the appropriate department but promised that she would get them to return my call. No calls from anyone. I believe this is a common practice at BMW financial services and nothing is being done to prevent this.
Company, Cash One repossessed my vehicle after 35 days past due and is now not answer their phone when I attempt to contact them. The loss of transportation has now led to loss of employment.
City Bank/XXXX Visa will not provide me with a monthly statement and will not resolve the issue and is refusing to dialog with me to resolve the issue. For six months now I have not been able to access my credit card statements.
XX/XX/XXXX, Midwest Recovery Systems hit all 3 Credit agencies for the amount of XXXX. They are stating the original lender is XXXX XXXX XXXX. There has never been any notification sent out about this debt as well as no information verifing this debt. However now when they have the ability to automatically report non-verifiable debt causing an instant decrease in my credit scores.
I have a bank account and credit card with USAA. They told me the best to do is tie my credit card to bank account for overdraft protection. I agreed. Over 12 months ago my automatic insurance payment caused my back account to overdraw. The bank transferred {$100.00} from my credit card to my bank account as overdraft protection. Now for over 12 months I have been paying interest on that {$100.00} as they claim it as cash advance. Over {$400.00} in interest for {$100.00}. Misleading initial overdraft details and over {$400.00} in interest for {$100.00}. Total sham. I spoke with the bank and got no where.
Found company Commonwealth Financial Systems , Inc. has a continued open case against me in the amount of {$470.00}. The incident the debt is referencing is an amount owed to a hospital. At the time, insurance had been incorrect and, once corrected, the debt was removed ; however, as of XXXX XXXX, 2015 this institution is still showing the debt as active. 

When calling CFSI, they told me the debt had been closed out. Furthermore, they added uncertainly, they " possibly '' sold to another third party, even providing me with a case # XXXX for this new agency, XXXX. 

Upon calling XXXX and providing the case number, they said the case had also been closed and " possibly '' re-directed me to XXXX with a new case # XXXX. This proved to be wholly inaccurate with XXXX, as they had neither my information, that case, nor any debt of mine. 

As far as I can tell, CFSI is playing a shell game with a debt of mine that 's long-since been resolved. Bottom-line, if the case has been resolved with this company, then why it the open case listed under their agency? This is either a case of neglect or fraud. I am in the process of getting all of their paperwork involving the acquisition of the debt and anything proving that the debt has been closed with CFSI ; however, in the mean time, this unnecessary act of neglect on their part has cause my credit to suffer.
I submitted applications for Income-Driven Repayment ( IDR ) and Public Service Loan Forgiveness ( PSLF ) on XX/XX/XXXX. Around the same time, my loans were also consolidated. 

The IDR was supposed to limit my monthly payments to 10 % of my monthly income, but my payments were only lowered to about 24 % of my monthly income. I called multiple times to inquire about this, and was ultimately told that my total loan amount was so high that it would not be possible to limit my payments to 10 % of my monthly income. I was reassured that I was enrolled in the PSLF program, however. On XX/XX/XXXX, I called about a different problem, and decided to ask about this issue again. This time, I was told that my IDR application was received but never processed. There was no further explanation. I was told that my initial application ( the one that was received XX/XX/XXXX but ignored ) had expired, so I submitted a new application that day. I was told again that I was enrolled in the PSLF program, though. 

On XX/XX/XXXX, I called to check on the status of my new IDR application. I was offered the option of postponing my current month 's payment until the new IDR application was processed, and I asked if that would affect my PSLF payment plan, since I am supposed to make consecutive monthly payments for ten years to qualify for loan forgiveness. I was then told that I was not enrolled in the PSLF program. I was given a different phone number to call to verify this. I then called that number and reported that I had submitted my PSLF application on XX/XX/XXXX and I provided the fax number I had submitted it to. I was told that, while that was the correct fax number, my application was never received. Again, I submitted a new application XX/XX/XXXX. 

My total federal student loan amount is over {$400000.00}, and I have already made XXXX ; {$20000.00} in payments in less than a year. I am extremely concerned that over the course of multiple applications submitted and many phone calls made, I have essentially been lied to about the status of my applications and the reasons for why my monthly payments are so high. Even if I had not been lied to, I now have XXXX applications that were never processed for unknown reasons - the IDR that I am told was ignored and the PSLF that I am told was never received. I am reaching out to the CFPB because it is impossible for me to advocate for myself when I am not even being given accurate information by the lender.
I 'm trying to use the app   XXXX   XXXX   on my phone to get money from my pay check but the bank wo n't send over my information.
I received my XXXX form from Pacific Union Financial that shows the taxes and interest paid for the year 2015. XXXX sold my mortgage to Pacific Union Financial in XXXX 2015. 
From XX/XX/XXXX to XXXX 2015 my taxes paid were {$6100.00} ; however, on the XXXX that Pacific Union sent me the XXXX showed {$2300.00} as the amount of annual taxes paid for the year. Pacific Union made a large error on my form XXXX.
This creditor has called my employer multiple times and I have asked them multiple times to stop calling my work. Once again, they called my work today and I have proof on my work phones caller ID. The number they are calling from is XXXX, and the name is CU Recovery.
I work at XXXX where we are not allowed to receive personal calls. I was contacted by a employee of progressive financial services while at work. I explained that I was not allowed to take the call at work and quickly hung up to avoid getting fired. I was called again at work the very next day by the same employee.
XX/XX/2016 - file is 26 months past due totaling about $ XXXX ( w/o any fees ). Loan mod was denied because the servicer was unable to reduce the principal and interest portion of the payment - therefore a loan mod is no longer an option - no matter what the homeowner changes in her circumstance the result would still be the same - the servicer tried to extend loan to 40 yrs ( max term ) & reduce the interest rate as low as they are able to and still the monthly payment was too high. -- The servicer would not communicate to the HUD approved nonprofit whether they reduced the interest rate at all. -- Available options is to reinstate or come up with a significant down payment so that the homeowner can agree to a 12 month repayment plan otherwise option is to liquidate. -- The file is in active foreclosure with NO sale date because the file is in active bankruptcy ; therefore the foreclosure is on hold. - My request for a NPV was denied ; request must be in writing and even then the request my not be granted. I was not given an answer when I asked what the lowest interest rate they used to determine if the homeowner was able to get approved for a loan mod or not.
Hi, My name is XXXX, I attended XXXX XXXX in XX/XX/XXXX. One year after the lawsuit was filed against the school, in XX/XX/XXXX my federal student loan was forgiven, even though I paid about 7- 10 % in monthly payments to federal loan at the website XXXX, this amount was not refunded, I am greatly thankful to consumer protection agency for standing with the student who were victim of this unlawful act by XXXX colleges.

The diploma cost XXXX, about 10k was federal student loan subsidize and unsubsidized loans, nearly 5k bell grunt, and about 7k Genses private loan. However, the fact that we all know going to school it should make people life better, or at least won't make it miserable. To clarify that, I thought I was going to have a career as the school promised. Shortly after I graduated I heard about the lawsuit. Therefore going back to unskilled job is a must. I struggled to repay my Genses loan, any time I call them to let them know that I can't pay for this or that month they will say ok, but interest is adding up, 7 k I nearly paid 10k for late payments that I can't afford to make by doing unskilled labor work. Plus I was not able to go public college to pursue a career because no one that have no parents or brothers to help can attend school with {$110.00} Genses loan + XXXX $ federal laon, my concern has been shifted from pursuing a career to focus and find a way to pay back the loans. I couldn't attend school for 2 years just to make sure the loans are paid. To conclude, federal laon has been forgiven, the question remains after contacting so many lawyers that can help in student loan cases. If am i able to get at least the interest that I paid back to private loan Genesis student loan, which nearly {$5000.00}, from {$7000.00} principal. Which all equals to {$11000.00}. XXXX  school has changed my life from unskilled worker to unskilled worker with loan which negatively affected me for two years, XXXX, XXXX  for how to pay it back.

Thank you.
I was impacted by the Equifax security breach and want to place a freeze on my credit. The fact that I need to PAY money to freeze my credit to fix this giant error by a company that clearly does n't care about it 's customers is just terrible. The American people should get free credit freezes/unfreezes in general.
I 'm a former Student of XXXX XXXX XXXX. I XXXX in 2010. The school has always been a fraud. A couple of years ago, I tried to get loans discharged through Navient due to fraud but they shut me down. The school did not live up to the expectations. It defrauded students into believing they would walk out with job offers and high salaries. On top of that, too many students have loans including private that they did not take out themselves. The school applied and signed for them ( including me ) and never shared the paperwork. Now that XXXX XXXX has been proven to be that way, I would like my private loans removed. I 've already sent a Defense to Repayment for my federal.
I have tried to make payments on my account despite loss of income and told they would not take anything less than total due. After I paid the entire past die amount they immediately closed out my cards which NEVER went 90 days past due, only  XXXX , they falsely report past due amounts, I slowly caught up but a few cards remain behind by a few days to over a month a s I contin ue to try to pull myself out of debt. The company Synchrony bank continues to call me multiple times a day, averaging to an hourly bases despite me talking to the company representative. They call as early as  XXXX , as late as  XXXX , on the weekends, and call my family members, they have my phone number, I have told them multiple times to stop calling my family members phone numbers but they continue to call.
I have recently obtained a copy of my credit bureau –XXXX credit report.  It showed an inquiry by your company that I do not recall authorizing.  It is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so.
I recently went through some health issues. During a particularly difficult time, I intended to change the date of my automatic credit card payment with Wells Fargo so I could pay a medical bill, and then pay my CC bill after my next paycheck a few days later. In wanted to prevent any fees or overdraft funds. I meant to change it before it was due, but I was very ill. when the I saw the payment as " pending '' on my mobile account, I called them and asked if they could simply reverse the pending payment ( from my checking to my CC ), and process it 8 days later instead so I was n't overdrawn. After an hour on the phone, being transferred 4 times, having to re-authenticate and tell the story 4 times, they told me that they could do it, but it takes 10 days. That would n't help, I needed help that day. I told them several times I need help that day, not next week. No one could find a way around it. Seems easy- it 's all in house, I was n't asking for them to reverse a payment to another company. The payment showed " pending '', not complete. It was simply from my WF checking to my WF CC. After an hour, someone said that it was n't really pending, it was actually complete, even if it showed pending on my mobile app. Why would the mobile app show one status, and their own system another? Frustrated, I tweeted on friday that they are unhelpful. They tweeted back friday that they want to help me and asked me for info so they could contact me. When I sent them back my ph number, I said in all caps that I needed help that day, friday, not later. no one contacted me. Saturday, I messaged the person who said someone would contact me and told them no one contacted me. the answer : someone would contact me during business hours Monday. I was explicit that I needed help that day, yet they did not even read or comprehend. I do not understand why they would even reach out to say they want to help me if they do not even care enough to read what I have said. At this point, Monday is almost over and still no one has contacted me. It 's too late to help me financially. But they could have. I understand I was asking for an exception, but I have been a customer over 20 years and I think I deserve an exception quite frankly. If you are not going to grant someone 's request, you do n't let them sit there and wonder, you tell them " no ''. If someone says they need help " today '', you do n't answer them next week. This kind of service and treatment is exactly what kind of company they are : they do not care about their customer. They do n't care to give correct information, or even any information. No one can tell me why the mobile app shows one thing, but supposedly their system shows another. Is this because they do n't understand their own systems, or just do n't want to do what I 'm asking so they are lying? I really do n't know, and I do n't trust them. What I am requesting at this point is a reversal of any fees. Since they could n't move fast enough to prevent them, or even care to answer me, I believe they should reverse them. Since they wo n't even answer me, I am using this method.
Select Portfolio Servicing, Inc. ( SPS ) T is calling us saying that they are ready to send our mortage loan to a lawyer and telling us that they are going to sale our house. We refinance our home back in XX/XX/2005 with a company that closed it doors and transfered our loan to multiple companies in between. We have a current mortage company. Select Portfolio Servicing, Inc. ( SPS ) bougth a loan from XXXX that was paid in full by a company that closed it doors. We have a deed of Trust that show that was returned to us and we transferred to our current mortage company. We have multiple legal documents that show that the mortagage that they are claiming is paid in full. They want a copy of the check of the payoff. The tittle company that we deal with it is closed too and there is not way to get a copy of that check. We been dealing with the previous company for years but it never got resolved. This company is determinated to leave us out on the streest if we don't pay this ghost account.
I made additional payments towards XXXX specific loan each month : I would choose the 'do not advance my payments ' option but each month when the automated debit would be drawn from my account, the monetary value towards my loans would be re-allocated across all loans and not put towards the loan that I had made an extra payment on. Hence the money was not put towards the principle of the XXXX specific loan, but spread out over interest of all the other loans. This happened every month from XX/XX/XXXX, to XX/XX/XXXX I would call every month and have it fixed, and complain that I call monthly, then it was finally fixed in XX/XX/XXXX. I worry that the additional payments, or the large payment I made before payments were required, ( prior to XX/XX/XXXX ), were allocated incorrectly. 
It was a {$10000.00} payment, so if it was done incorrectly it would help a great deal to have that looked at and fixed.
Transunion and XXXX refuse to list my existing mortgage on my credit report. They originally had the mortgage listed but was reporting inaccurate information. When I disputed the inaccurate information they simply dropped the account from my credit report. This mortgage has been in my name since XXXX when I purchased my home. I went through a Chapter XXXX bankruptcy in XXXX XXXX and it was successfully discharged in XXXX XXXX. Instead of XXXX and Transunion showing my account as current after the bankruptcy they simply removed it from my credit file. I have been paying my account timely for the past 12 month and unfortunately it is not reflecting this on my XXXX and Transunion credit file. Technically, I have been paying my account timely for the past 6 years because during the bankruptcy, the Chapter XXXX Trustee was responsible for all payments for my mortgage. XXXX is the only credit bureau who is properly reporting my mortgage account and as such I have a much higher credit score with XXXX. I have contacted both XXXX and Transunion via phone and via letter and they still refuse to add my mortgage back to my credit files. Transunion told me that my Mortgage company must send them a request to add my mortgage back to my account. An XXXX representative stated they were unable to add the account back to my credit report stating that would not be fair to me based on 7-year time-limitation of some sorts. I contacted my Mortgage company who sent letters directly to XXXX and Transunion ( twice ) telling them to list my account on my credit reports and show it as current. Unfortunately, they are not cooperating. I will give a lot of respect to XXXX for properly working with me to get this resolved after such a difficult time in my life. I still have another 20 years or so to pay on this mortgage so its unjust for Transunion and XXXX to not list my mortgage as a valid account. Please help me get my Mortgage listed back on my credit reports. 
Thank you and Have a Blessed Day!!! 
XXXX
A few weeks ago I got approved for a CitiBank  XXXX   XXXX  credit card. It finally arrived yesterday  XXXX / XXXX /   17  in the mail and went online to activate the card but I as soon as I hit the activate button I received a message saying I need to contact Citibank Fraud support. When I called the number an agent whose name is  XXXX , ID :  XXXX  who asked for sensitive information such as the credit card number on my   XXXX   XXXX   XXXX   card which I refused to give out due to    XXXX   has nothing to do with Citibank. She put me on hold several times for a long period of time when I asked to speak with a Supervisor/Manager. While on hold she hung up on me and did n't bother to call me back. I called in to my nearest  Citibank  branch and they said that no agent should  EVER  ask for credit card info other than a  Citibank  card. At this point I 'm extremely frustrated with this bank and they refused to cancel my account since I need to send a photocopy of my social security card along with my driver 's license over to them to verify my identity. This is extremely sensitive information that can not be shared on the internet let alone via email. I 'm reaching out to you guys seeking for further assistance with this matter. Let me know if you need more information from me, thank you.
I purchased a primary home with mortgage and put 10 $ % down. I had to get PMI on the loan. I requested the LTV ratio at which we need to get PMI released from the Loan and I have written evidence from Caliber Home Loans stating if I pay down the Loan to 80 % they PMI will be released. We paid the loan to below 80 % and they they denied our request and said we need to pay it down to 75 %. We just paid it down to 75 % LTV and now they are making us get an appraisal to redetermine the LTV. The regulation requires them to automatically cancel the PMI with two years good payments, no late payments, and 75 % LTV ; all of which we have satisfied. The XXXX XXXX XXXX guidelines allow PMI to be released if you make betterments or improvements to the property and get an appriasal which would show the Value is higher and thus the LTV ratio could be lower than 75 %. This requirement is not necessary if you are just paying down the principal!
Back in  XXXX  I pulled my credit report from all  XXXX  agencies. I noticed incorrect info on my account such as address I never lived and phone numbers that did n't belong to me. I contact all  XXXX  agencies to add a fraud alert on my account since I believe I was a victim of identity theft. I noticed on my Transunion report multiple inquires that did not pertain to me. I sent a letter and followed up with multiple phone calls and I cant seem to get these fraudulent inquires off my account. Transunion keeps giving me the run around.   The inquires in questions are as followed :   XXXX   XXXX   XXXX /2016  XXXX   XXXX /2016  XXXX   XXXX   XXXX /2016,  XXXX  2016   XXXX   XXXX /2016  ( DUPLICATE )