WillisBack/dataset-financial-user-claim huggingface dataset:
My husband and I purchased a car through a local XXXX dealership approximately XXXX XXXX years ago. We obtained financing through the dealership who elected PNC Bank to finance the transaction. At the time we had no objections ( and still do not with the terms/structure of the loan ). However, PNC 's policy, which was described by their representative as industry standard, is to automatically enroll borrowers in paperless billing for revolving loans. I 'm a millennial and have no issue with paperless accounts ; however, PNC bank has made it virtually impossible to gain access to the online account because:1 ) PNC Bank 's online banking system does not recognize car loan account information ( and the online account information was never mailed to my home ). 
2 ) The customer help line resulted in an hour and a half of cumulative wait periods. 
3 ) The only online help is available via XXXX. That 's right. XXXX twitter. 

Again, I 'm a millennial and am disgusted by the notion that I 'm subjected to 1.5 hours waiting online for customer assistance or the use of XXXX ( which by the way I tried this platform and could not be assisted via this platform ) simply to gain access to my loan information which should be provided, either via email or printed, to consumers, unless the borrower specifically opts into such a program to limit receipt of their statements. 

It is noteworthy, 2 months later my husband and I got another car, this time with financing provided by XXXX XXXX XXXX and I was NOT enrolled automatically in online statements. I have received a letter in the mail every month with my account information. 

Having access, regardless of being a revolving account, is critical for consumers to manage their accounts, debts, repayment plans, etc. For our account, we have been doubling our car payment and I truthfully, have no idea how much we owe on his loan. I was able to find out the information back in XXXX when I contacted PNC bank, but have subsequently misplaced my log-in information and have not been able to gain access to my accounts since. ( I asked at the time during the call for paper statements but was advised she could not make the change, I had to apply for the change via my online account ). 

Making it this difficult to gain access to loan statements is a significant disadvantage to the consumers. 

Thank you CFPB for your help.
The current servicer of my mortgage loan ditect finicial has refused to provide the mortgage servicers number and office or person of contact in the state of hawaii in accordiance with hawaii state law for mortgage servicing companies. Has failed to address issues with mortgage documents. XXXX different sets provided by them to me XXXX with a stamp of XXXX XXXX without. Have failed to provide orginial ink signed documents that would show that the XXXX page arm note isnt forged. They where and have been rude on the phone threatened to hang up. Said that my credit will be damaged and they intend to do so. They have failed to address any concerns I have as borrower. They continue to send bills even though it is in foreclosuer and no acceleration letter was sent in the first place. They have failed to provided me contact information of the lender to this loan. They have failed to provided if there is even a lender. That they should contact XXXX and address that a trustee foreclosing on the property is not proper as a trustee is not a lender and cant provided or attempt an alternative remmeedy to foreclosurer. Have failed to discuss by phone or in person what alternative solutions there moght be and what those entale as to credit score, pay back, pentalties, ect. That sending paper work to fill out after XXXX doing the same. That they have the ability if the loan is paid off to give me free and clear title not just someone saying that o yeah we can but actuall proof. They never have provided notice of interest rate increase and reason or proof to why it has increased but they have just raised it. Continued slander and deffermation to my character, credit score and worthiness, and abolity to aquire normall living standards due to the impact of this forecloser and credit reporting of deliquency.
MY MOTHER TOOK OUT A LOAN WITH XXXX  ON XX/XX/1998 AND HAD SINGLE LIFE INSURANCE ON THIS LOAN IN CASE OF HER XXXX WHERE THE LOAN WOULD BE PAID OFF SO THAT MY VETERAN FATHER WOULDN'T HAVE TO WORRY ABOUT ANYTHING. 

LAST XXXX THE LOAN WAS TRANSFERRED TO SHELLPOINT MORTGAGE AND SHE WAS TOLD THAT THE INSURANCE CONTINUED WITH THE NEW COMPANY AND NOW THAT SHE HAS XXXX THEY ARE SAYING THAT IT WASN'T TRANSFERABLE AND THEY NEVER TOLD HER OTHER WISE AND NOW SHE HAS XXXX   XXXX.
I am questioning our escrow acct my mortgage payment includes the taxes and home insurance I noticed on the statement that there is a discrepancy in the monies that is left over I contacted a represenative from Chase Bank who is the service provider but the person informed me that they are keeping the extra amount of money left over and that they had a right to keep it I am requesting that your agency look into this matter since I am a senior and I feel that I am being taken advantage of due to the represenative could not give me a clear explanation
Hello,

Professional Account ManagementXXXX is repeatadly contacting me threateaning to file a report with the Credit Reporting agencies despite the fact that I provided them with a written notice disputing the validity of the debt withing 30 days of original notice.

Their Acct # for me is XXXX
Their phone # XXXX
On XX/XX/2018 I received an email containing a username and password to access a loan document exchange portal with my bank. At the time, I used a family member 's WiFi to login into my account. 3-4 hours later when I came home and tried to login to the portal my password and security questions were changed. I then contacted my bank to have them reset the password. On XX/XX/2018 I received an email about an attempt to login to my email.
We are in foreclosure due to some extreme financial hardship and have been attempting to take advantage of a loan modification program offered by our mortgage servicer Ocwen Loan Servicing. Over the past two months we have attempted to submit the required paperwork multiple times. They have rejected various pieces of the paperwork several times and it is difficult to get a clear answer as to why the documents were not sufficient. The main issue now is that they have not postponed the sale date and we now have to get a lawyer and file for a postponement ourselves. If they had started the loan mod process they would have postponed the sale, but as I say they have repeatedly found fault with the documents we submitted and the mod process has n't officially begun. The company is very difficult to reach with representatives clearly not in the US, often making it difficult to comprehend what they are saying. All we need is to modify the loan in some way, whether that be a refinance or even shifting the past due amount to the end of the loan term, so we can begin making payments again. It is clear to me that these delays are an intentional tactic, as some cursory research has shown Ocwen to be a very difficult company with many thousands of consumer complaints against them. Both the lawyer and an advocate we contacted knew of Ocwen 's dismal reputation.
On XX/XX/XXXX Security credit services continue to call and threaten me and my family about account that was opened on XX/XX/XXXX. The company states that I own {$1000.00} I have no idea what this for and I didn't have an account with them are the company that they are representing. This has been placed on my credit report and I have disputed it multiple times asking for the original signed copy of our contract. But Security credit services refuse to provide and it continues to get verify on my credit report as accurate information.
XXXX credit cards were stolen and used unauthorized in XXXX XXXX while on a business trip in XXXX XXXX, CA. 

XXXX cards were used at a XXXX club for {$65000.00} over the span of 4 hours ( temporary charges showed closed to {$80000.00} ). I brought {$400.00} in cash but was drugged and missed my flight the next day. I filed a police report of my cards being stolen as well. I did not authorize any of these charges, let alone know how one person could have spent {$65000.00} in the span of a few hours. 

1 card was used at XXXX XXXX for {$8000.00}. The single card after I reported it stolen was immediately refunded within a month after the evidence reviewed did not match my spending history ( ever ). 

The other XXXX cards the bank is refusing to side with me or my attorneys. We received copies of the invoices only 2 months ago after months of demands of details. They had a copy of my license ( which the place took when I first came in to " scan it '' ) and the handwriting and signatures on the invoices which is not mine. I had a weak signature and the banks stance is it is close enough to previous signatures I have provided. The tip and dollar amounts are written in handwriting that looks nothing like mine. 

Additionally many of the time stamps of the receipts are well past the venue closing at XXXX PST ( XXXX/XXXX/XXXX XXXX XXXX ). My credit lines were both used over the limits, and there are no records of the bank trying to call me to verify the large charges. In fact XXXX card was used in a different state that given super sonic travel could not occur that same day but the bank did not call me to cancel the card either. It 's as if they allowed all the charges to go through and see what happened later. Charges of XXXX,XXXX, and XXXX went through without any verification ( where is the security protection )? 

Please let me know if you would like more details. I can see what I am allowed to disclose but I feel this is a violation of FCBA, my credit card protections, and simply providing good customer service. I think other consumers should be aware of this bank and their treatment and lack of any customer service through this event. 

Also the strip club has a history and previous law suits to this effect that the bank is also ignoring ( please see attached for some existing cases in both significantly less dollar amounts vs fraudulent activities ). 

I look forward to speak and hopefully providing additional detail so others can be aware of this situation. 

My attorney is : XXXX XXXX XXXX : ( XXXX ) XXXX Direct : ( XXXX ) XXXX Cell : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXXXXXXXXXX
We sent a payment to Freedom Mortgage by electronic transfer from XXXX XXXX on XX/XX/2018. 

It was never credited to our account with Freedom mortgage although the loan number was correct. 

I wrote to Freedom Mortgage by email on XX/XX/XXXX. They sent me a letter on XX/XX/XXXX, received XX/XX/XXXX stating that I should NOT have written to them by email ( although the web site told me to do so ) and that I should have written to them at a new address in XXXX. 

They said they never received payment and are demanding a front and back check copy ( which does not exist ) and a copy of " ... .your full running bank statement showing the running balances from the date of payment until the current date showing your payment in question has cleared your account and is not showing as Pending is needed fro further research .... '' I do not understand how they can credit other payments appropriately using the SAME method before and after the payment in question. 

I want they to find the payment and credit to my account
I attended the University XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. During that time, I took out two loans totaling about 44,000. At the time I did not understand the difference between subsidized and unsubsidized loans. I found out after I graduated that both of my loans were unsubsidized and totaled XXXX bucks. XXXX XXXX wanted me to pay XXXX bucks per loan six months after I graduated. I informed them that I would not be able to those payments while making XXXX bucks an hour. One of the representatives suggested that I consolidate them to get a lower payment. Little did I know that I would lose all of the benefits with these loans. Now I am locked into private loan consolidation with little to no option of lowering my payment ( I 'm doing a forbearance, but that costs me XXXX bucks every time I apply ). Now mind you that I have been paying around 400 bucks a month since XX/XX/XXXX. If I do the math, I have paid them close to 43,000 and my principal now is XXXX! Thats only XXXX going towards the principal. Talk about highway robbery. Looking at my loan information I will make my final payment on XX/XX/XXXX. By that time I would have paid XXXX for a loan that was originally XXXX. They are making XXXX of this loan! Oh and I never got the high paying XXXX job after college. All of the jobs wanted someone with 2-5 years of experiences and all of these certifications ( which cost additional money and time ).
I 'm three days away from defaulting on my loan. For the past 6 months I 've tried to work with my provider to keep up payments and they have n't been helpful. I received advice from a service rep to allow my account to go into collections after XXXX months to receive more options for help with my loans. This has not been my experience. No help or alternatives were given.
XX/XX/XXXX XXXX from Liberty called XXXX ( me ) at XXXX. I told XXXX I am exempt from you taken money out of my account. XXXX Started yelling & said I am not exempt for nothing. 
I sent Certified copy on my income which is XXXX XXXX XXXX on XXXX/XXXX/XXXX. Recd card showing Liberty rec 'd it. 
Also last year Liberty had my bank account frozen. XXXX when to court in and proved the income was from XXXX XXXX XXXX. Liberty did not even show up for court nor sent the paperwork in to court on what missing paperwork was missing. Judge ruled in my favor. 
Nothing has change. Yet Liberty is taking me to court again. I prove I have am exempt because I receive XXXX XXXX XXXX. 
They should not even be calling me when Liberty has rec 'd the paperwork. 

This is verbal and harassment.
I 'm very disturbed to receive a decline letter from your agent providing me insurance I did not ask for. In fact the agent was advised why I do not do business with you but they evidently went ahead and pulled credit anyway even while freeze on my credit report. At no time was permission given to pull my credit. In fact the credit reports are supposed to be secured from this type of activity because numerous errors are being corrected. You further complicate my credit worthiness with this inquiry.
Card suspended with no prior notice and no arrearage, for alleged missed payment despite web posting showing next payment due XXXX XXXX, 2017, and no indication that anything was amiss or irregular.
Received this letter XXXX/XXXX/XXXX, ARA Inc. XXXX XXXX XXXX XXXX, XXXX XXXX.Oringinal Creditor : XXXX XXXX XXXX Bank Account # XXXX XXXX Current Balance : {$24000.00} This letter is to inform you that ARA Inc. has recently obtained and now is the legal owner of your XXXX XXXX XXXX XXXX Account . All obligations regarding this debt and any applicable interest and or fees have been fully transferred to this office. As of today, you owe {$24000.00}, which is now due in full. Please remit a check for the amount of {$24000.00} payable to ARA Inc.along with the the payment slip above in the self addressed envelope provided. Within 30 days of full payment, you will receive a paid in full letter for your permanent records. If you are unable to pay the entire balance in full, please call XXXX XXXX at ext # XXXX XXXX XXXX -XXXX central to discuss acceptable payment arrangements and answer any questions you may have. Please retain the balance of this letter for you records. Sincerely, XXXX XXXX XXXX XXXX XXXX so I am his XXXX, XXXX XXXX, and I called to find out what this was about. We have n't seen this on his credit record or anything and was shocked. I talked to a lady and she gave me some info and then I called back after letting XXXX know what she said. I called back and talked to a XXXX XXXX ext. XXXX and told her XXXX XXXX ca n't talk on the phone. She said this was from a visa credit card that was open in XXXX and had payments paid on it till XXXX. Balance then was {$7900.00} and now with interest and fees {$24000.00}, She asked if he could pay it in full and I said we only have XXXX and live month to month with nothing extra. She said she had to do her due dillengence and wanted to know if she could set up a payment of {$50.00}. I said no and she said how about {$2500.00}. I told her we did n't have anything extra and she said if I did n't set up a payment then they would take it to court and put a lien on his bank account. I said all we get is XXXX and she said they do n't care where the money came from they would just take the money in the account. I asked her where the card was used and she said she do n't have that info but she gave a couple address 's and XXXX was a XXXX XXXX XXXX knew and XXXX address was XXXX XXXX, XXXX , FL . We looked up that address and it was a trailer that XXXX never remembered. She gave the last XXXX digits of his S.S, # and said he was a police XXXX. I told her XXXX said he never had a credit card from XXXX XXXX and she said someone made payments on it for 9 years so it was his debt. I told her I would pass this info onto XXXX.
Says I lived in  XXXX   XXXX , Nebraska. That is wrong. I lived in  XXXX   XXXX   NE for only 4-6months
This dispute is being written in response to in-accurate crediting reporting on behalf of XXXX, Account XXXX I have been trying in vain to get this company to confirm that this is indeed a valid debt by way of sending me documentation indicating paper work I signed agreeing to open this account, statements and any other documents verifying the validity of this account. I have reached out to this company by letter, phone calls and fax continually over the course of the last year. When disputing the information through " XXXX '' " XXXX '' and " Transunion '' XXXX Is indicating that the reporting is accurate however please note the credit report I have attached which states otherwise. " XXXX '' is indicating this is a closed account however " Transunion '' and " XXXX '' are indicating the account is a charge off which is affecting my credit rating. I would like Transunion to change the reporting status of the account from " charge off '' to a " closed '' status which a representative from XXXX indicated would be done during a phone call on XXXX/XXXX/2015.
I found out from XXXX that my account was one of those breached. I immediately completed online security freezes with no problem at XXXX and XXXX credit bureaus, but have tried XXXX times to do so at Experian over XXXX. I get an error every time that says they are unable to honor my request. I have verified that all the information I entered is correct. I have not moved in 17 years and have changed NO personal information. I see that there are numerous complaints from other consumers online stating that Experian online security freeze does not work. They have a ridiculous request for additional documents to be mailed to them! I also tried their link to upload documents electronically ... that does n't work either! Time is of the essence. I have tried to contact they by phone and can not get a person to talk to, just one automated loop.
My complaint is on Experian Credit agency. Back at the end of XXXX I sent a dispute letter and online dispute to have the unauthorized inquires removed from my report. I asked it to be investigated and verified. I also want to know the name of the person they spoke with and copies of verification of my signature or authorization. I also advice the that the Collection agencies on my report did not have permission to use my information, I do not have an original account with them or any signature saying they could collect on me. I asked for validation and verification from the debt collector according to FDCPA rules. They return my online dispute after 3 days saying it was valid, but did not provide the Property and information I asked for. They have not removed these unauthorized inquires and it is affecting my credit. Experian has sent me the same letter 3 weeks in a row with out the validation or verification only to say the i.inquires will not be removed. I also spoke with a representative on the phone who did not provide any assistance. This has been actually going on for awhile and no proof has been provided. Please have them to remove all inquires off my credit report and remove the collections that are not the original creditor.
Mortgage through Ditech, closed XX/XX/2017, this month received an " escrow shortage '' in the amount of {$3000.00}. Contacted both city officials and mortgage company, it appears mortgage company using wrong tax information but clearly stated on the city website expected amount/assessed value. mortgage company blames city, city saying this is false. In the interim my monthly payments expected to increase {$500.00}, able to negotiate this down to increase of {$300.00} over next 36 months to make up for both shortage and rate increase. Will potentially have to sell, live on very tight, income.
There are several late payments from the months of XX/XX/XXXX to XX/XX/XXXXthat are inaccurate I am not responsible for the inaccurate information reporting to my credit file please fix this ASAP
received a bill from West Asset Management pertaining to a medical bill that was proven to not have been filed with the insurance company. I requested an audit of the information provided to the insurance company and the hospital. It was verified the insurance company was not billed accurately and the data furnished to the creditor was not complete. They were not able to verify all information as requested by law or for auditing purposes. I was informed the item would be removed from my credit report and have requested on a number of occasions to remove the item to which it remains.
Credit report shows listing of improper address with my report, called to dispute and that was handled I believe reasonably well but then I asked if I myself could report to the credit company myself information about a loan that XXXX does not report themselves? 
I was told NO by experian and that I could NOT do that I should call the company. I have called the company and they REFUSED to report my good credit on that loan! Now here is the complaint that same company will be the first to report a negative default on that loan, but it is in good standing and current so they REFUSE to report it in that status!!!! If they only report the bad then my credit file can only be BAD! And I was told I can NOT even report the " GOOD '' myself!!!! HOW CAN ANYONE SEE A FAIRNESS WITH THIS????? Goes the same for utility bills, rental history, or any other type of credit history! They use this as a leveraging tool! I was told in the past by some companies that it is a way for them to make sure I pay my bills, and if you do NOT pay your bill, we will destroy your credit and you wo n't get credit from anyone else either!!!! My position on this is that this is extortion plain and simple! They only report what they want to report and paint a very deceptive picture about me or anyone else and it should be against the LAW to have that control and power of manipulation over anyone!