WillisBack/dataset-financial-user-claim huggingface dataset:
I was approved for a loan modification trial on XX/XX/XXXX. My trial was supposed to go from XX/XX/XXXX to XX/XX/XXXX. I paid all trial payments on time and actually kept paying trial payments up to XX/XX/XXXX at which time my modification was cancelled by Wells Fargo. The reason Wells Fargo said they cancelled my modification was due to the fact that my second lien holder would not sign a subordination agreement. My attorney has since spoken with my second lien holder and they are now willing to re-consider signing the subordination agreement. In addition my bankruptcy attorney also states they might be able to get my bankruptcy judge to sign the subordination agreement as well. However, as is customary both are requesting my first lien holder to issue an updated proposed terms ( Approval ) of the XXXX lien modification before they sign the subordination agreement. Wells Fargo did this back on XX/XX/XXXX, however those proposed terms are no longer valid due to the time that has passed since then. In order to obtain updated proposed terms from Wells Fargo so I may present them to my second lien holder, my attorney sent a complete financial assistance package to Wells Fargo on XX/XX/XXXX ( as per WFHM instructions to do so ). Wells Fargo Home Mortgage now has a special department to block people from being able to re-apply for assistance. The department is called the " Re-Entry '' team and their sole purpose is to block ( Evade ) people from being reviewed again for assistance. To date that department is blocking me and refusing to allow my account to be reviewed for assistance. They simply state they will not review my request without the signed subordination agreement submitted to them first. They know this is impossible without them ( WFHM ) first opening a new review and if approved, issuing a new approval with new proposed terms so I can then take those updated terms to the second mortgage and ask them to sign it. This is simply an excuse by the re-entry team. Every time we call and speak with anyone, they play dumb and act like they do n't understand, or they understand and say they are not the ones who are handling the case. My attorney has faxed XXXX very long extensive letters ( Attached ) explaining the situation and also called repeatedly to the person at the Re-entry team who is assigned to my loan. Never have they responded. All we receive is the run around.I know I qualify because I was approved before. The only reason I was denied was because my second lien holder at that time would n't sign a subordination agreement. Now they will sign the subordination and Wells Fargo is refusing to do the process over again so I can save my home. It 's not more complicated than that. XXXX messages have been left in the last 30 days for XXXX XXXX XXXX - Executive Mortgage Specialist ( Wells Fargo Home Mortgage ) with ZERO returned calls. Clearly Wells Fargo is evading my most recent request and full financial package faxed to them and confirmed received on XX/XX/XXXX. They are evading reviewing me for assistance and playing games blocking me from being able to re-apply.
I have an account with Navient and I been paying then since XXXX and they said I still owe them XXXX until XXXX. But they wo n't working with me and I need to what is going on and get this fix.
RE : XXXX amended this complaint to note that Ally refused to refund monies to my account that were fraudulently charged by XXXX XXXX XXXX repair. XXXX badly scratched my glass lenses, refused to refund my monies of {$55.00}. I completed a XXXX page form for the bank and they did nothing. The glass lenses can not be photocopied and sent to the bank which they improperly requested. As it turns out, this merchant has a reputation for this conduct and is being sued by their former parent company for this fraudulent conduct. 
I have never been put to this trouble before by a bank. I want the monies refunded NOW. 
Neither has Ally reopened my account. It was overdrawn by just {$6.00} because I was waiting for refund to be made which the bank did receive. I was also waiting just a few days for my SS check to be deposited. when a single person names XXXX closed it on his own accord per my earlier complaints about their poor customer service. I WANT ACTION NOW!!!!! not later
I have received collection letters and a negative account has been placed on my credit report for a debt that I do not owe this company. This account with XXXX has been previously removed from my credit report and now it is reporting again. This is not my account. I have provided the copy of my fraud report with the FTC.
Received a phone call at XXXX claiming that this XXXX XXXX was trying to reach out about a lawsuit that was attached to the social security number and that action needed to be taken asap. I googled the phone number that was on Caller ID and it is not registered to the place XXXX was claiming she was calling from. XXXX claimed she was calling from GLC Associates but when I searched the company their website said they were a work safety consulting company. I searched the XXXX number and a GCL Financial Group came up with a lot of consumer complaints. I also searched the XXXX for GLC Financial groups where consumers complained of this company being a scam and taking money.
Bank of America ( BoA ) resumed loan service XXXX/XXXX/15 after having had XXXX ( XXXX ) take it while we were in a Ch. XXXX. We owed for XXXX mortgage when transferred, but were current through XXXX. We have paid both XXXX and XXXX payment at the end of the month, but are current. The XXXX XXXX payment is due tomorrow ; the late fee kicks in on the XXXX. Despite these facts, we received a " Notice of Pre-Foreclosure Options '' today in the mail, which required XXXX signatures. 

We believe that BoA is acting predatorily since we had a loan modification during the XXXX so that the home currently has almost $ 100k equity. We believe the bank is using the technicality of the law to seize our property for pure financial gain, notwithstanding that it has been accepting our late payments and has not been charging us late fees. Additionally, there have been no previous notices. We have received statements, including XXXX for escrow, which states that our payments will increase by approximately $ XXXX/month beginning XXXX/XXXX/15.
A Credit Card with XXXX showed up on my credit, I do not remember ever having this credit card. They have charged it off on my credit report and I recently disputed it. They have now turned it over to Midland Funding LLC and is now showing up on my credit report as both XXXX and Midland Funding LLC. The credit report is showing the last payment made to XXXX was back in XXXX of 2010.
WENT TO XXXX XXXX CHASE BRANCH, BRANCH # XXXX. THE CASHIERS NAME IS XXXX AT CHASE XXXX XXXX. THE TIME I WENT IN AT WAS XXXX COUNTED THE CASH TO BE DEPOSITED TO A CREDIT CARD AS PAYMENT AND IT WAS {$6000.00} WHEN I ARRIVED AND HANDED THE TELLER THE MONEY SHE FED IT THROUGH THE MACHINE AND IT SAID {$5000.00}. I FELT PRESSURED AND ANXIOUS AS I DO NOT WANT TO COUNT THE MONEY IN THE LOBBY OF A BANK. SHE DID NOT HAND COUNT IT. SHE ONLY FED IT THROUGH A MACHINE. I COULD NOT PHYSICALLY SEE THIS BECAUSE THE COUNTER IS SO HIGH. AND THERE IS A BULLETPROOF GLASS. 

IF A {$1000.00} WENT MISSING IT MUST BE AT MY HOUSE SINCE I LIVE XXXX CITY BLOCKS AWAY AND WENT DIRECTLY FROM MY HOME TO THE BANK. 

WHEN I LEFT THE BANK TO CHECK MY HOUSE AND MY HOUSE WAS EMPTY I PROMPTLY WENT BACK. AFTER SPEAKING TO THE BANK MANAGER SHE SAID SORRY. WE RECOUNTED AND THE DRAWER IS COMPLETE AND GAVE ME A DESCRIPTION OF THE DEPOSIT. WHEN I ASKED IF THERE WERE CAMERAS SHE SAID NO. WHEN I THEN ASKED IF THERE IS A CAMERA THAT WATCHES THE TELLER, SHE SAID NO. WHEN I ASKED TO SEE THE TAPE SHE SAID NO AND STATED HER TELLERS DO NOT STEAL. WHEN PRESSED FURTHER AS TO WHAT PURPOSE THE CAMERA SERVES SHE SAID TO SHOW TRANSACTIONS FROM CUSTOMER TO TELLER, BUT THEN NOTHING IS SHOWN TO PROTECT THE CUSTOMER FROM A TELLER STEALING SINCE THERE IS NO TAPE OF IT. I MADE THIS POINT CLEAR TO HER. 

THIS DOES NOT SOUND CORRECT. MOST BRANCHES I HAVE EVER BEEN TO HAVE CAMERAS TRAINED ON THE CUSTOMER AND TELLER SHOWING THE TELLER 'S ACTIVITY. SHE TOLD ME HER TELLERS DO N'T STEAL, ETC ETC. BUT HOW CAN THIS PROTECT THE CONSUMER? IF THERE ARE NO CAMERAS ON THE TELLER THEN THE TELLER CAN SAY WHAT SHE WANTS AND PUT INTO THE CASH DRAWER ANY AMOUNT SHE WANTS. I REFUSE TO BELIEVE THIS AND I DEMAND AN INVESTIGATION INTO THIS. 

I REFUTE THIS CLAIM AS XXXX DOLLAR BILLS DO NOT GO MISSING ON ITS OWN. I FEEL AS IF THIS TELLER MISCOUNTED MY MONEY.
Rush card 's systems were down for maintenance but when they became operational again they no longer allowed me access to my funds. I misplaced my card and blocked its usage online to prevent fraud and am now being told my account can not be unblocked. Every representative I 've spoken with claims they ca n't even view my account however thy insist and often times transfer with out approval or notice. I have been forced to wait for ridiculous hold times exceeding XXXX minutes to an hour and a half and have been hung-up on and refused the assistance of a Supervisor. I was told, " You have all of the information you need so there is no need to transfer you to a supervisor ''. All I want is MY hard-earned money off of this card. Some sort of compensation for this ordeal would be nice but I 'm not going to hold my breath.. These people are unprofessional, incompetent, rude, obnoxious and the list can go on and on. Any assistance you can provide would be helpful and appreciated.
To Whom it May Cincern, I have been struggling to make payments to XXXX XXXX for the past two years ( since XX/XX/2016 ). Ultimately, I had no choice but to utilize all 12 months offered in forebearance ( broken up into 3 or 1 month increments ), just to stay afloat. I am not trying to escape my responsibilites as a borrower. I am well aware of the amount owed on my loans and I am more than willing to make payments in an effort to reduce my stuudent loan debt. However, I went from making $ 80- {$90.00} payments on my student loans, to exhausting all of my financial resources to come up with almost {$900.00} a month in payments to XXXX XXXX . I have spoken to plethora of representatives ( XXXX, XXXX, XXXX to name a few ), from both the customer service and the collections department at XXXX XXXX, and most of the time, my conversations with them are not pleasant. I have received mixed responses from the call reprsentatives on how to pay my loans and what " programs '' I qualify for, yet I am still unable to lower my payments. As a result, I became delinquent on other debt responsibilities including my federal student loans because my income does not correlate with the amount of money that I have coming out. XXXX XXXX, is honestly one of the worst private student loan companies out there. They are insensitive to the isssues and concerns of their clients and are extremely unprofessional. In my conversation today with representative XXXX, I was told that I knew what I was getting into when I borrowed XXXX in student loans, and that there was nothing that could be done to lower my payments besides automatic debit, or waiting until I'm delinquent in 5 days to receive a call from collections. I am honestly confused as to why XXXX XXXX ( who has ties with the Dept. of Education ), would not want to help their customers avoid missing a payment in and " try '' to actucaully help reduce the amount of debt owed to their company. Their lack of regard for their customers, honesty, and integrity is astounding. I am seriously considering taking legal action against the company just to lower my payments which is unfortunate.
I ; Man deny that this is my debt and if it is my debt, who is the Man claiming I owe this debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my Knowledge and I have no contractual agreement with Capital One police report attach.
paid for services i discontinue transunion is still taking money out of my account regions not letting me login and remove the inaccurate charge from transunion
On  XXXX   XXXX  at  XXXX    XXXX   I received a voice mail from Ocwen stating that the message was " an attempt to clergy a debt. '' On  XXXX   XXXX  at  XXXX   XXXX  I received the same call with the same message. I am certain that this is a violation of the FDCPA.
Hi there, I purchased a XXXX XXXX XXXX from a used care dealer here in XXXX florida, They got me financed through a company by the name of Westlake Financial with a ridiculous Interest rate but I didn't care as I planned to pay the car off within the first year. Well that didn't happen because the place that sold me the car sold me a car which they swore up and down didn't have any issues with it at all and come to find out within 2 months I had to spend {$4500.00} dollars on a new/used transmission , Drive Shaft, And a bunch of other things that were wrong with the car so the money I had put aside to pay off the car went out the window. 


I kept up with payments and I fixed the car and got it to where I wouldn't have any issues with it for a long time. A few weeks after getting the car back I had it parked outside of a restaurant in downtown XXXX where a young drunk driver ran a red light and couldn't make the turn which in result ended up with my car getting totaled. 

This happen on XXXX XXXX, I was XXXX but the girl had full coverage insurance and I knew I had gap coverage so I wasn't worried about the car getting paid off and then I could get something else within a little bit of time after I saved up for another down payment. 

I notified my auto load company of what had happen and made sure they were aware, I was told by them I was not responsible for any payments after the date of loss which was on XX/XX/XXXX after about 3 weeks I went to meet with the girls insurance company to get my settlement check taken care of, They paid out {$5800.00} roughly towars the load amount which was for about {$7300.00} total at this point. The gap coverage paid about another {$1400.00} something dollars towards the loan which left me with almost nothing as a balance. 

Well comes to find out once the gap and everything got taken care of they told me that I owed them for XXXX, XXXX, XXXX for the payments I missed, I explained to them I was not going to pay for payments on a car I no longer had and that was deemed a total loss by the insurer of the person who wrecked into my car, Not to mention they already had a {$5800.00} check from the person insurer already at this point and they were waiting for the gap which was in house and they were also getting the {$1400.00} something dollar check from that to cover the loan amount, which left me a balance of like {$300.00} which I was prepared to pay if they would close my account and remove these bogus late fee payments which were reported to my credit. they refused and have been reporting me every month again and again and ruining my credit. They got {$7100.00} roughly of a {$7500.00} loan for a car that was worth way less than that and yet they are still trying to scam me out of more money. 


This is not a fare practice and they should be investigated, The next complain I will be making is going to be the Florida State Attorney General on this company. 


My credit score went from a XXXX to less than a 450 all because they are trying to scam me for more money. Please I need help resolving this issue
Chase told us we would receive 1/8th lower on our interest rate if we were a preferred client, so we moved our retirement savings over to Chase so that we would qualify. We were told the rate would be applied after closing and we locked in our rate at 4.25 %. After closing they did not honor the rate, and told us we didn't have enough savings to get the better rate. When i showed him the message he previously sent me saying we would get it, he said he would see what could be done. I got tired of going back and forth with the loan officer and 3 weeks ago called his manager directly. He said a file was open and they were working on it and would get back to me after a week. A week pasted and no response, I called and left a message but still no response. We closed on our house over a month ago now and Chase has yet to do anything or return my calls. In addition to this the bank messed up our closing by not funding the correct amount. They were short {$1400.00} and we never closed on Friday and couldn't get the keys to our house for two days until they admitted their mistake and let the title company know it was an error on their end. Chase promised to get some money back to make this up to us, but we never received anything.
I contacted Ditech customer service to change the date money for mortgage payment would be debited from my checking. They said, '' Sorry. We need more than 1 day to do that. '' I asked to speak with a supervisor but after numerous attempts the agent admitted that no supervisor was available. I said I would wait and she transferred me to voice mail
In XX/XX/XXXX an alleged debt originated with XXXX XXXX was reported by XXXX XXXX. I demanded validation because I knew the debt was either too old to be my debt or it simply was n't my account. I have not authorized any utilities in my name since I married my wife. Those types of accounts always go in her name. XXXX XXXX did not validate the account they removed the account from my credit report because they lacked the evidence to support their claim. Now XXXX XXXX has purchased the same debt and is reporting the open date as XX/XX/XXXX. I did not authorize the account and on top of that they are intentionally reporting the unauthorized debt as a much newer account than what it actually is.I have included a copy of my old credit report to prove at a minimum the account opening date is invalid. XXXX XXXX needs to validate this debt prior to continuing its collection efforts. Additionally, Experian has re-added this negative information although the previous owner has failed to provide any form of debt validation after being requested. Finally, I have filed an identity theft report to report this theft. .As stated previously, I did not authorize the opening of the account which is why I demanded validation of the debt in the first place.
On XXXX, XXXX I opened an account in HSBC bank, XXXX branch, CA. I was told that I would receive my debit card after 2 weeks. 
My husband transferred me {$10000.00} from his account in another bank. We checked that money was deposited on XXXX, XXXX. After that, since I didn't receive my debit card I never logged in my account or whatsoever. 
On XXXX, XXXX I logged in my mobile app and realized that all {$10000.00} was gone. The activity started on XXXX, XXXX and last transaction was on XXXX, XXXX. I have never received this debit card, never activated, never knew what was going on. 

I immediately reported this situation to the fraud investigation department on XXXX, XXXX. They closed my card and told me that they needed to investigate this matter. I asked if I needed to do anything else, they said no. 

On XXXX, XXXX I called the fraud investigation department to find out the case status and was told that I should have filed a police report and USPS claim about mail theft. One more time, on XXXX, XXXX I was told that I didn't have to do anything. Besides that, the person I was talking to thought that only several transactions were fraudulent, not the entire activity with the account. 

On XX/XX/XXXX I called the investigation department to provide with the police report number and they told me that I need to give them the detective 's number and his contact information as well. So I gave them police report number and said that would call later with additional information. 

On XXXX, XXXX I called the investigation department to give the contact information of the detective who's been assigned to my case and found out that the police report number is not in my file. And they don't know again about entire fraudulent activity with my account. 

Eventually, I submitted the detective 's contact information to the fraud department. 

The entire time I was feeling that nobody wants to work with me to resolve this issue, I was never contacted, I had to call and email all the time trying to find out what is an update on my case. 

Today on XX/XX/XXXX tenth day of investigation I called the fraud department and was told that my claim was denied. They also said that I need to go to the branch to view the photos of the person who was using my card. I do not understand why my claim was denied, I have nothing to do with any of the transactions with my account, I have never had possession of this card. I requested my claim to be reopen and {$10000.00} to be credited to my account. 

The bank also refused to provide me with the credit during the time of investigation.
I sent Green Tree a payment for XXXX and XXXX and a late fee for XXXX. Green Tree credited XXXX payment but put the late fee and XXXX payment toward an extra principal payment for XXXX, so now they 've made my XXXX payment late and I have another late fee! I have tried to contact them by phone but it is impossible. No matter which number I call or button I push or what I say to the automated system it ends the same, a robotic voice says " you 've reached an invalid extension " and then it hangs up. Green Tree 's customer service is non existent. Green Tree is evil.
BOA started charging maintenance fees on both my checking and savings account without sufficient communication with me ( due to automatic product change without contacting us formally ). They claimed that they sent out email communication ONCE regarding to those. The process takes me to retrieve the updated policy is highly complex and the instruction is not clear
To Whom It May Concern, I am submitting this complaint about XXXX XXXX Account # XXXX. This depth disputed by me several times with different collection agency. This account does not belong to me. Every time I challenged collection agent name change and stick to my credit report at Experian. Also, Experian and XXXX violated federal law. They misleading and inaccurate information. In Experian credit report show this account open XXXX. And also XXXX account shows charge off account. Every time I dispute this depth, it shows that month payment miss payment. If this Account opened in XXXX and went to collections several times, how can it show XXXX and XXXX XXXX indicates none payment? If this XXXX account, utility depth, It can not show as a revolving credit card depth. In my Experian Credit report, shows as revolving depth and reflecting in my credit report as a current date and month none payment. Also, XXXX account indicated closed on my report. This is wrong and unlawful. This affects my XXXX XXXX. This does not fare me as a consumer. Also, This XXXX account disputed several times with different collection agent. They do not provide me any evidence that this account belongs to me. I do not own or have XXXX account. This depth is misleading my credit report. Also, Experian Credit agency shows misleading and inaccurate information.
I have reward credit card from Bank of America where I pay {$20.00} a month. I was going through financial hardship but I'm in a better situation now and I was able to pay the entire balance.
XXXX XXXX XXXX XXXX added products lowered my monthly payment with a resign my signatures are not on the loan doc 's forgery cra violation and hippa XXXX west XXXX refuse to give me back warranty money cra violation