WillisBack/dataset-financial-user-claim huggingface dataset:
They are calling my cellphone. I ride a motorcycle. My headset answers calls automatically so my family can reach me. I can not hang up without pulling over. The distraction is most dangerous. 
I have not been able to talk to a human at the company ( gulf coast collections ).
My mortgage was transferred from XXXX to LoanCare, LLC XX/XX/XXXX. I was advised to send my payments to LoanCare at XXXX XXXX XXXX, VA XXXX. About 2 months later, I received a large envelope from XXXX XXXX XXXX XXXX stating that my loan number had been changed and to send my payments to XXXX XXXX XXXX XXXX, CA XXXX. I updated my electronic billpay accordingly. When I began receiving actual mortgage statements again, they were from LoanCare, LLC and they do not list any mention of Podium Mortgage. I figured that my loan had again been sold so I switched back to my LoanCare billpay for my electronic payments. What I failed to realize was the the mortgage number was different and there was a different address listed ( the one in XXXX ). For many months, my electronic payments have been received by LoanCare and deposited to my mortgage account even though the loan number and address on my billpay was different, until XXXX of this year. On XXXX XXXX, I received a delinquent notice from LoanCare. I immediately called and they advised me to send a bank statement and tracking number of the payment that was taken from my account. I sent the bank statement to LoanCare on XXXX XXXX and was given a Ticket No. to reference for all future calls/correspondence. I submitted the bank statement, proof of payment ( copy of the front and back of the deposited check, along with the tracking number. I have called a total of 7 more times and explained all of this to each representative who each give me completely different answers as to when this may be resolved. Last weekend, I received a large envelope from LoanCare stating that I was two full months delinquent in paying my mortgage and they they would be turning my over to collections for failing to pay and or communicate with them regarding this issue. I paid my XX/XX/XXXX payment to the correct address and identified the correct loan number and it was taken from my account on XXXX XXXX. During my last conversation with a representative, I was told that the ticket had n't even been assigned, no response as to how to handle the collections issue and refused to let me speak to a manager, someone in the Escalated Research Dept., or legal dept. I filed a complaint with the Dept of Consumer Affairs and a representative called on my behalf with the exact same results. They refused to escalate the call to anyone who could answer any questions. I was told I would get a call back in 48 hours. It has now been 4 days and yet again, I have heard nothing from them. I have all my documentation with names and ID numbers of the representatives I have spoken with, some who have confirmed that they have all my documentation. I do n't understand how they can steal my money and turn me into collections. I have made every attempt to resolve this matter to no avail. I have all the documentation that I would be happy to share with you if you need it for further evidence. Please help. This company is a predatory monster. I did n't choose to have my loan with them and I have no way out since they are ruining my credit.
I was attempting to apply for a " partial release of real property '' with Stonegate Mortgage. I began by contacting them onXX/XX/2016.I was told by XXXX that I needed to do several things such as 1. get a new survey 2. appraisal 3. history of my mortgage payments 4. sales contract 5. tax information. I began to do these things. XXXX/XXXX/16 I talked to XXXX XXXX XXXX at Stonegate and was told I needed Form XXXX. He emailed me a copy of form XXXX that day. I continued to work on the application. On XX/XX/XXXX I talked to XXXX XXXX XXXX. He sent me a copy of the survey in their records of my property. I was also told for the first time that nothing would happen unless I sent a letter to Stonegate requesting the partial release. I sent a letter out that day. I also received an email from XXXX XXXX XXXX with a account of my payments to Stonegate Mortgage. On XXXX/XXXX/16 I had my package prepared except for the new survey which was completed on XXXX/XXXX/16. Now on XXXX/XXXX/16 Stonegate sent me an email that my loan was stating transferred on XXXX/XXXX/16. They could not do the partial release. The email also said I would receive a letter before XXXX/XXXX/16 advising me of my new servicer. I did not receive the letter by XXXX XXXX. I called XX/XX/XXXX and was told it would arrive within the week. I did not receive the letter today XXXX/XXXX/16. I called Stonegate and was told my loan would n't be transferred until XX/XX/XXXX. But they also could n't do the partial release either.I am waiting for a call back from a supervisor. I have this all documented. My loan number is XXXX. My phone number is XXXX. My buyer is getting very anxious as I am. It has been 5 monthe of runaround on this. Please help! Thank-you.
I entered into a service agreement on XX/XX/XXXX with XXXX and paid the deposit of {$330.00} on my fiance, XXXX Chase Sapphire credit card. We hired XXXX to have our dogs transported from XXXX to XXXX. Ten days before ( XX/XX/XXXX ) the pets are to be transported, XXXX was supposed to submit the forms required by the Hawaii Dept of Agriculture to ensure my dogs will be released from the airport. Over a period of 5 days ( From XX/XX/XXXX ), I had emailed the business four times and left one voicemail but the company went completely silent. XXXX then called Chase Sapphire on XX/XX/XXXX and connected with the Fraud department to dispute the deposit since XXXX did not perform the service as agreed upon in their own service contract. Chase then calls XXXX and XX/XX/XXXX actually picks up the phone this time. XXXX denied any wrong doing and denied ever receiving any email or voicemail. XXXX also said that her services are no refunds after 7 days and because of that statement, Chase fraud rejected our claim. When I asked about the business breaching their contract, the Chase Rep stated that we would need to file with small claims court because it clearly stated that there were no refunds after 7 days. The fact that the business never delivered on their service was " another issue, '' per the Chase Rep. We 're stuck with the charge because I signed a contract that said No refunds after seven days.
Too whom this my concern : Hello my name is XXXX XXXX, I received a reliacard from US Bank and I made a purchase on the card for XXXX XX/XX/XXXX and return the purchase on XX/XX/XXXX. I few day past I notice that credit has not return the card, so I call open a dispute. When the rep went over the disputed details I was told that I will received a provisionally credit with 10 days. So today XX/XX/XXXX we are on the 11th day and no credit has been given so when I call today I spoke with XXXX, she explains to me that I would not be getting a credit and I explain to her that I reviewed the term of condition states that within 10 business day the credit will be issues, XXXX stated that we dont have to follow the terms of the card, which I thought was odd. But here are copies of the term of the card, copy of the receipt and detail display the store. Thanks XXXX XXXX
Account was charged off for XXXX dollars and I paid XXXX check of XXXX dollars XX/XX/XXXX and XXXX of XXXX dollar XX/XX/XXXX experian is reporting this and transunion and I mailed them statements if proof of payment
In XX/XX/XXXXI took out a loan with XXXX XXXX, a division of XXXX XXXX XXXX XXXX for the amount of {$320000.00}. I was promised a low interest rate and low monthly payment, as advertised. I defaulted on my mortgage payments because I could not keep up with the increasing interest rates. On XX/XX/XXXX, there was an assignment of mortgage filed with XXXX County Clerks 's office. The assignment of mortgage assigned the mortgage from XXXX XXXX to XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX started a foreclosure action against me for the amount of {$310000.00}, which is about {$9300.00} from the original mortgage amount from the original mortgage 3 years earlier. but I had already paid well over {$50000.00}. How is that possible? In XX/XX/XXXX, I received a notice of transfer from XXXX XXXX XXXX to Nationstar. I 've tired fixing the problem many times with both Nationstar and XXXX XXXX XXXX, in form of submitting a loan mod and each time I am getting denied. I am a victim of the housing crisis and I feel that there is a fraudulent element to what is happening to my mortgage loan.
I am filing this complaint because Experian has ignored my TWO previous request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past the 30 day mark and they can not verify this account, under Section 611 ( 5 ) ( A ) of the FCRA they are bound by law to ... ..Delete ALL information which is inaccurate or incomplete or can not be VERIFIED, that I have disputed Thank you in advance for resolving this matter..
I got two credit cards through XXXX XXXX {$500.00} limit on each one I use them both for some time and then decided to close my accounts I paid off One credit card close to that account I pay off the other credit card down to a final payment and I was told inside of the bank they would not accept my payment that my account was frozen and that there was nothing I can do about it they sold my debt and since then the collection agency has harassed me this collection agency has changed their name because of their harassment of me and it still continues I have a letter here which just arrived this debt is over 15 years old and I have not made contact with this company and at least 10 years probably longer this debt still shows up on my credit report because this collection agency is breaking the law and the information I collected personally from XXXX XXXX which I still have my complete Financial record with them I made them print it out and send it to me so that I can prove this happened
We had an offer on our house and requested payoff from DiTech on XXXX XXXX, 2015. DiTech advised us that there would be a 5 day waiting period but it has been 11 days and every time we call they tell us the request is past due but being looked at. They will not tell us the problem only that there is something wrong on the back end. We have requested payoff in the past with no issues. Now the buyer ( who has cash ) is getting worried and is starting to want to back out. I do not want to lose this offer but we are at our wits end with the mortgage company. I have spoken with numerous supervisors but no one will give me a straight answer but do offer to call back. No Calls.
I applied for td cash card on XX/XX/2018. It was an offer through email because me and my husband are td bank debit card holders for a long time. The offer was that were going to get {$150.00} for the first {$500.00} spend in the first three months and were going to get XXXX XXXX and XXXX XXXX. Which we got all of it. But there was also promotion that we can paid it off any balance in 12 months. Which wasnt the case when we received the second bill with late charge of $ XXXX.We called them and they say that there was 0 % APR on balance transfer not on the balance of the account.Please help!
Do to my spouse and I separation, I had a banking issue so I went to the company ( WESTERN FINANCE ) and asked Western finance not to post the check when they received it because it was not going to pay. After the XXXX XXXX agreed to contact when the check arrived she later posted it to my account ( stated that her supervisor had told her that she had to post it ) then charged me for it and return fees and also now has submitted paper work to take my vehicle. I have had XXXX loans with this company and paid them all back I would say I have a pretty good record with them but because I am not keeping things professional the store manager and her supervisor are have decided that they are going to not except my normal payment that was due. I contacted Supervisor I asked why did they post the the payment she became argumentative so I asked for a higher up she told me she was IT and there was no one else I could talk to and there were other numbers I asked for anyone else she told me the only one was the owner above her and she refuse to give me any numbers to call. I want to resolve this situation but I can not at this time of the year pay above my normal amount of my money I went to them for my protection and theirs prior to them receiving the check so this would not happen I asked if I could pay partial payments to make up for the check and that was sent on the XX/XX/2016 and on the XX/XX/2016 I sent them another payment but they would not except the payment because it was partial. XXXX the GM says that I now owe XXXX but she will do me a favor and allow me pay XXXX but I told her I have XXXX I can pay she said she can not except partial payments but XXXX is also partial payments.
Navient wont help me with my payments. Im a single mom and cant afford to make high payments on my school loans
I have a credit inquiry on my report that I did not authorize from XXXX XXXX  XXXX XXXX dated XX/XX/2017.
This complaint is against Discover Student loans. A loan was taken out to pay for college expenses. After graduation, the borrower had a hard time finding a job in his profession. He worked part time and then went to the XXXX XXXX. After graduating from the XXXX XXXX it took him almost a year to find a job. During this time, Discover would not work with the borrower on payments. The borrower paid on the loan but Discover told him they would not accept the payments unless it was the XXXX a month payment. He tried on numerous occasions to work with Discover to set a payment plan that he could afford. Discover finally told him he could make payments based on income on the phone then the next month they put the loan in default with no warning. The loan is now in collections and the problem is that he now has to find a way to XXXX. This is such a big problem in the United States. Discover gave him bad advice and would not work with him in any way.
In close succession, XXXX ACH debits hit my HSBC checking account. The XXXX ( on XXXX/XXXX/15 ) exceeded the balance of my account and was thus not paid ( reasonably so ). There were sufficient funds for the XXXX transaction ( on XXXX/XXXX/15 ), however, HSBC also did not make payment on this XXXX transaction because they had temporarily removed the funds from my account from the XXXX ( XXXX ) debit resulting in a negative balance even though they did not make payment on that debit. This temporary reduction of my balance not only led to to a legitimate debit going unpaid but also allowed HSBC to charge additional fees in a predatory manner.
I have a mortgage with OCWEN mortgage company whom I believe changed their names a number of times : Option One ... and other names. However, About 5 years ago I modified my mortgage with them and they claimed I would get a lower interest rate that would start at 2percent and gradually increase to 5 percent. They said nothing about a balloon payment of XXXX, ooo due at balance of loan. This was deception, greed and misleading.
The XXXX account listed on my credit report shows as past due for XXXX payments of {$9800.00} ( credit report excerpt attached ). This account is current and no delinquency exists. Even XXXX company on-line information ( attached to this complaint ) shows my account as current and I 'm told updated information should be on my credit report showing the account is current with no late payments. This account needs to be corrected asap as I am trying to purchase a car and I ca n't get financing.
I am writing to try and determine where and or with what specific party I can file complaint against a Reverse Mortgage company that is acting in a unprofessional manner. I am an heir to an Estate and trying to determine the price of the home in order to purchase it. 

The Reverse Mortgage Company ( XXXX XXXX ) has been very evasive and constantly giving me varying information and I've never been able to speak to the same person twice. I've called in twenty ( 25 ) times  and it's a different person every single time. They have caused me much distress, a lot of money and time and I'm still not getting any real information that can be counted on. There end goal is to foreclose on the home and treat me like I'm illiterate and XXXX. I want the game playing to stop and I've made it perfectly clear I am a ready, willing, able buyer of the property but I am being ignored constantly no matter how much information I provide them. Documents already provided to XXXX XXXX : Death Certificate, Funeral receipt payment by me, Last Will & Testament, Real Estate Contract to sell my home, as well as signed, notarized Disclaimer forms where my brother, sister, third party waive all rights to the property. Leaving me as the sole heir interested in purchasing the home. Lastly, I've also signed and sent in XXXX XXXX short sale form and supposedly a Ms. XXXX XXXX ( short sale mgr. ) is supposed to get in touch w/ me about the process & appraisal. My family 's entire life is on hold trying to resolve this issue and it has left us feeling abandoned, adrift, and without any professional avenue to resolve the issue. 

Estate of XXXX XXXX XXXX ( birthdate : XX/XX/XXXX ) ( date of death : XX/XX/XXXX ) Home Address : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX # you said to not include that here XXXX XXXX  Phone number : XXXX My father passed away on XX/XX/XXXX and XXXX XXXX XXXX ( reverse mortgage started w/ XXXX XXXX back in XX/XX/XXXX ) is giving me double talk and trying to run out the clock on me and I've now had ten ( 10 ) weeks of time pass without any proper answers. I've been paying all the bills on the home including Flood Insurance , Home Owners Insurance, Taxes on the home, Water, Sewage, Electric, Trash, Internet service and am living in the home to satisfy the request of the Mortgage Company that is refusing to cooperate in a professional manner. I can not get an independent HUD approved appraiser sent by XXXX XXXX after asking for two ( 2 ) months. I'd like to be able to purchase the home once a " Current Market Value " of the home is determined. The home is under water and a price needs to be negotiated in order to purchase the home. Why can't I get straight forward truthful information from XXXX XXXX? All of the reviews online about XXXX XXXX have been extremely bad and their behaviors no matter how bad have gone without oversight. That is why I'm reaching out for help ... " I'm a ready, willing, able heir & buyer being ignored ".
I RECEIVED A CALL FROM A COLLECTION COMPANY NO NAME OF THE COLLECTION COMPANY WAS GIVEN THEY STATED I OWED XXXX ASKED HAD I BEEN SERVED I ASKED FOR THE DOCUMENTATION THEY SAID DO YOU WANT TO PAY THE XXXX I STATED I DONT KNOW WHAT THE CHARGES ARE FOR I AGAIN ASKED FOR THE DOCUMENTATION AND THE COMPANY NAME TO CONTACT LEGAL COUNSEL THEY STATED THEY WILL BRING DOCUMENTATION TO COURT AND HUNG UP
XXXX   XXXX ,  2017 I am su bmitting this updated request because you are able to help us in so many ways. Although, there are some big companies who are not cooperative and would not help, the way you do but at least you are able to let them act partly on our complaint and grievance.   The last complaint I filed is about our private student loan with National Collegiate Trust, being serviced by  American Education Services.  My request was for National Collegiate Trust to lower our monthly payment because we have overpaid, National Collegiate Trust for so many months and years. By  XXXX   XXXX , 2017, they are expecting a payment of {$300.00} plus. I was paying them for {$150.00} dollars w hich American Education Services have accepted for more than 5 years up to this date.  The reason wh y, National College Trust  was overpaid, is becau se American Education Services did  not record our payment to each individual private loan. So, the  XXXX   XXXX   XXXX  ) of the private student loan from   XXXX   XXXX    XXXX ,   XXXX   XXXX   ,  and another student loan fro m National Collegiate Trus t /  XXXX    XXXX   XXXX    Collection agency  went on default.   All our payment went to this private student loan, disbursed on  XXXX / XXXX / XXXX , this is loan where all our payments was recorded and remitted to National Collegiate Trust. And this student loan of  XXXX / XXXX / XXXX , is also owned by N  ational Collegiate Trust.
We are appeased by American Education Services of the payment of {$300.00} for the time being, by    giving us  XXXX  forbearance monthly payment for  three ( 3 ) months of  {$50.00} for  XXXX  2017 for  XXXX   2017,  and for  XXXX   2017.    By  XXXX   2017,  we are expected  by American Education Services to pay, {$300.00}. This big amount we can not afford, beca use even as of this writing we do not have fund to pay our monthly home amortization and our other very urgent bills.   I would like to include and I am attaching a supporting documents about the lawsuit, filed by student against National Collegiate Trust, and we are very thankful to  XXXX , that we are included in the settlement for this lawsuit. Please help us negotiate with National Collegiate Trust an d American Education Services,   to allow us to pay, an amount of {$150.00}, the previous amount, we use to pay since, year  XXXX , up to  XXXX   2017,  We have completed the payment for the forbearance amount of {$150.00} for the  three ( 3  ) months they have granted to us,  XXXX   2017  to  XXXX   2017.    Thank you for all your help.
I initiated a Wire Transfer at XXXX XXXX to send money to XXXX. The transaction was started on XX/XX/18 by my husband, XXXX XXXX. The money was to be sent to an account in " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' with address at XXXX XXXX in XXXX, XXXX. The amount to be transferred was XXXX dollars. The transaction confirmation code was : " XXXX XXXX XXXX-USD {$9900.00}. 
The note states : Date available as XX/XX/2018 ( already a long time, 10 days, considering it is a wire transfer ) When my father did not receive the money in XXXX on XX/XX/2018 I noticed that the funds were still in my account. I called the bank and they told me : " the transfer was never even initiated '' and they don't know " what happened ''. 
I will proceed to remove all my money from the account at XXXX XXXX today. 
This is very serious, my father was expecting this money today and had financial obligations that needed to be attended immediately. Not having this money available is very detrimental to him. I am extremely upset by the inefficiency of this bank and its disregard for its customers. The worst part is that since I have a mortgage loan from this bank I MUST keep a bank account with them. This was one of the conditions of my loan. Little did I know about the extreme lack of professionalism and poor customer service. I would like to cancel my bank account with this institution and just pay my loan with my bank account at XXXX XXXX. This needs to be known by other people as this bank is not doing a good job and in my case it is causing serious problems to my family and me.
I have a credit card with Capital One. I asked them to remove a " 30 day late '' pay as a show of goodwill towards me. I 've read articles that suggested to do this, and I 've seen other credit card companies do it. Capital One said that they could not remove the " 30 day late '' pursuant to the Fair Credit Reporting act. I understand that creditors are required to report accurate data ; but can they do customers a favor by removing a " 30 day late '' from the customer 's payment history?
repeatedly called me, my wife, my daughter about a debt i had problem paying. Threatened to come to my office, sue me, contact my HR office, and shouted and belittled me. 
Portfolio Associates of VA is a corrupt organization. 
I have contacted the company that I had purchase the items with and started repaying directly to them. 
But nothing stops Portfolio