WillisBack/dataset-financial-user-claim huggingface dataset:
Vehicle Loan ComplaintOn the XX/XX/XXXX, I made a payment on my loan in the sum of {$340.00}. Then from XX/XX/XXXX to XX/XX/XXXX I made subsequent monthly payments of {$350.00} without any trouble ( or so I thought ) until I got a letter from M & T bank stating that " As of the date of this letter, we have not received the payment on your account. '' That I owed the bank {$280.00}. The bank has also charged me a late fee of {$14.00}. 
I could not believe what I was reading. I always make sure I pay my car note before the due date and I always make payments at the branch so what was the matter? 
I went to the bank and demanded to know what was going on only to be told by the bank officials that the check I issued for my XXXX payment for {$340.00} went missing and could not be traced since XX/XX/XXXX and therefore I should issue a check for {$280.00} to make up for the amount of the missing check. 
My question is, assuming that the check went missing since XX/XX/XXXX why wait till XX/XX/XXXX. Why is the bank telling now? If the bank had made me aware as soon as they realized the check was missing in XX/XX/XXXX, I could have issued a replacement check in XX/XX/XXXX for the payment. The bank for some reason decided not to inform me until now. 
My next question is, why is the bank demanding that I make both my current payment and the payment for the missing check by XX/XX/XXXX or else ....? I think that for the bank to demand that I pay a total sum of {$640.00} by XX/XX/XXXX without any negotiations is very harsh and unfair. 
My other question is if really I have fallen behind in making monthly payments, why is the bank asking for {$280.00} and not {$340.00} which is the regular monthly amount? 
Again why is the bank charging me a late fee? 
A few days later I received my regular monthly statement. My account transaction activity showed that on XX/XX/XXXX all the payments I had made from XX/XX/XXXX to XX/XX/XXXX were described as payment reversals. Then the same statement shows that payments were applied to my account from XX/XX/XXXX till XX/XX/XXXX. 
I also called the bank on XXXX and talked to XXXX different representatives who did not seem to understand my complaints. 
Since this matter is not entirely my fault, I think that in all fairness, the bank needs to agree for me to pay off the said {$280.00} in instalment. I can pay an extra {$30.00} monthly to bring the account current. I hope this matter is investigated and settled amicable. 
Your prompt attention to this matter will be greatly appreciated. Please find enclosed copies of the said letter and monthly statement account. 
Thank you
I sent a Qualified Written Request ( QWR ) /Debt Dispute Letter to Ocwen Loan Servicing dated XXXX/XXXX/XXXX by XXXX Certified Mail on XXXX/XXXX/XXXX. Ocwen has not responded to date. As part of my proposal for an out-of-court settlement to my debt dispute, I also sent to Ocwen a completed Request for Mortgage Assistance ( RMA ) form with the required supporting documentation to which Ocwen acknowledged receiving. While confirming receipt of a copy of my tax return as part of its requirements to complete its review of my pending loan modification, Ocwen stated in its letter dated XXXX/XXXX/XXXX that my tax return was without signature ( s ) or evidence of electronic filing, and the due date for said document which was XXXX/XXXX/XXXX has now passed. Since I only learned of aforementioned requirement from Ocwen 's letter on XXXX/XXXX/XXXX, which was already 2 days after Ocwen 's imposed deadline had passed, I mediately sent by certified mail on that same day ( XXXX/XXXX/XXXX ) the signed copy of my tax return. However, instead of receiving a notice of the status of my loan modification application & request, I received XXXX weeks ago a copy of Notice of Trustee 's Sale dated XXXX/XXXX/XXXX ( recorded on XXXX/XXXX/XXXX ) which schedules the foreclosure sale of my property on XXXX/XXXX/XXXX. While Ocwen has not formally declined or disapproved my pending loan modification application to date, in violation of the XXXX California Homeowner Bill of Right ( HBOR ), Ocwen caused/directed its agent, XXXX XXXX XXXX, to proceed with the foreclosure action against my property by issuing said Notice if Trustee 's Sale. This is a blatant violation of the CA law. It is referred to a " dual tracking '' under the CA HBOR. In this regard I have written Ocwen a follow up letter on XXXX/XXXX/XXXX ( see attached ) and also demanded for the cancellation of the scheduled unlawful foreclosure sale of my property on XXXX XXXX, XXXX. I have not heard back from Ocwen to date. May I therefore request for CFPB assistance in this regard. Time is of the essence.
XXXX  XXXX /2017 called to order a short sale package informed the customer service rep that I was actively trying to sell my house with a realtor.
 XXXX / XXXX /2017 called back to ask for another short sale package never received the first one.
 XXXX / XXXX /2017 my realtor and I called in on a conference call because the package received was for a loan modification and I told the CSR that I was unemployed and that we were actively showing the house to sell it. The CSR confirmed that if we sent that package in for a loan modification that the foreclosure would be put on hold to allow us time to process that request in the hopes of securing a buyer.
 XXXX / XXXX /2017 loan modification was faxed over 135 pages completed the checklist of documents requested.
 XXXX / XXXX /2017 we received a full price offer enough to pay my loan in full. My realtor and I called the foreclosure attorney to make sure that the foreclosure had been put on hold and we were told the house sold to a 3rd party at foreclosure on  XXXX / XXXX /2017  XXXX  at the law office told us to contact MB Financial Mortgage and let them know we had a full price offer to pay the mortgage in full. We called and  XXXX  at MB Financial Mortgage verified that the documents for the loan modification were received and they were missing 5 pages so my realtor sent them to her immediately and  XXXX  confirmed she received them.   XXXX   proceeded to inform my realtor that she would ask her supervisor to " Reinstate the loan '' and she would send an updated payoff. She informed my realtor that the reinstatement of the mortgage was APPROVED to continue with the sale of the house! An hour later my Realtor had the purchase and sale agreement executed.
The buyer has proceeded with an inspection {$400.00} and Appraisal {$550.00}.
 XXXX / XXXX /2017 My realtor called MB Financial Mortgage and spoke to 4 different people over the course of 2 hours and was told that they will not reinstate the mortgage she even spoke to a Vice President of the Mortgage Company and he refused to help also. My Realtor 's attorney and the Mortgage Company 's attorney have both confirmed that they have up to 30 days to rescind the 3rd party sale and reinstate this mortgage so we can pay it off in FULL on  XXXX / XXXX /2107.
I am begging you to put this at the top of the list as we are about to lose this buyer. My realtor could face punitive damages for listening to   XXXX   and MB Financial Mortgage promise to reinstate this mortgage. I appreciate your prompt attention regarding this very urgent matter
I have a credit card with XXXX with the credit limit of {$9000.00}. Yesterday XX/XX/18 i requested a credit line increase to {$15000.00} through the mobile app. XXXX shortly approved the credit increase to {$15000.00}. I checked my credit report and found out that XXXX ran a hard inquiry that same day on TransUnion which resulted in dropping my credit score down. I did not consent to a hard inquiry nor was I notified that a hard inquiry would be made in response to my credit line increase request.
I called to close the credit card, because of really high interest. Answered all the questions and the card was not closed. The representatives were rude and unpleasant. Very Upsetting. Now they still applied the high interest and wont close the card with the original agreement.
I cosigned a car loan for my daughter in XXXX, 2015. The first payment was due in XXXX, which my daughter paid by money order. However, the bank, Ally Bank said they never got the payment, even though my daughter sent the check certified mail, return receipt, which we have. We have sent them copies of the money order and of the certified mail receipt several times. We faxed them documents showing we had purchased a money order and that they had received it, but they refuse to acknowledge our letters. We have not missed any payments, but they say that we owe them over {$3000.00} in late fees.. I can furnish copies of canceled checks and certified mail receipts. I have retained an attorney here in XXXX, who has also sent them letters and copies of canceled checks and receipts, but as before, Ally Bank refuses to acknowledge this evidence of payment. Unfortunately, my attorney is reluctant to pursue the matter in court. Is there anything that can be done to fight Ally Bank? From what I have researched, this organization has had several judgments against them for corrupt business practices. How can they still be in business? I do n't have any documents in digital form that I can attach. I will call to get more information.
In XX/XX/XXXX, I applied for a refinance my Loan loan, I have been approved, I have submitted all that was asked and required on a timely fashion, I paid XXXX cash for my home in XX/XX/XXXX, borrowed against my home in XX/XX/XXXX XXXX I have paid the payments to date on time. I wanted to get a lower interest rate and pay off sooner, the XXXX XXXX offered me a loan at 3.75 % fixed rate. The Loan Depo lowered my equity to XXXX from XXXX I felt was a fair market value. Then the requested and said they would pay for the XXXX now they have had the property appraised and the XXXX value was higher at XXXX and they requested to come back and take pictures of inside my barns etc. I believe that the XXXX XXXX is wrong for questioning the integrity of the Appraisal company that they have selected to question the XXXX used some kind of bad judgement.. The documents have expired and the loan appraisal the XXXX XXXX ordered was after the expired date. Todays interests for a 20 year fixed interest rate is 3.250 % XXXX 3.45 % as od XX/XX/XXXX. I feel that I should be compensated over this transaction, for not continuing the loan after they called on XX/XX/XXXX that they loan appraisal was in. Today XX/XX/XXXX The XXXX XXXX is questioning the fairness of the appraisal. To increase my out of pocket expenses tp XXXX plus the origination fees of XXXX, I am questioning this practice as I am only refi- and I not requesting and cash at closing. I am feeling a discrimination practice going on. I would like to decline to continue and have all my personal information that should be privite and considered personal information.. Thanks XXXX
I AM ATTEMPTING TO AVOID A FORECLOSURE SALE. I SUBMITTED DOCUMENTS FOR MORTGAGE ASSISTANCE AND I WAS TOLD THAT MY FILE IS IN REVIEW AND NO ADDITIONAL DOCUMENTS WERE NEEDED. MY SERVICER, WELLS FARGO, CHANGED THEIR STORY TO SAY DOCUMENTS WERE MISSING. A FEW DAYS LATER AND BEFORE I COULD SEND IN THE MISSING DOCUMENTS, WELLS FARGO CLAIMED THAT MY FILE IS NO LONGER IN REVIEW BECAUSE THERE HAS BEEN NO CHANGE IN FINANCIAL CIRCUMSTANCES. I HAVE XXXX NEW ROOM & BOARDERS AND THERE IS IN FACT A CHANGE IN FINANCIAL CIRCUMSTANCES. WELLS FARGO PREFERS TO DECEIVE AND CONFUSE HOMEOWNERS BECAUSE THEY PREFER TO PROFIT FROM FORECLOSURE AND FORECLOSURE FEES.
I have no idea of what this company does. I XXXX the company and it 's a tanning salon. I have no knowledge of this. This is identity fraud. I
I contacted XXXX and asked them to correct the inaccuracies that they are reporting to XXXX, TransUnion and XXXX  they ignored my request. 

I contacted TransUnion, XXXX  and XXXX  and asked them to verify this incorrect information or remove this account from my credit file because it is not being reported with 100 % accuracies. 

They are reporting different things to all three of them. The account types are different. The 30, 60, 90, XXXX  and XXXX are being reported on differently. The same derogatory late payments are being reported on all the reports on different months. An account that is reporting 100 % accurate information would never do that. All the information would match on all 3 credit reports.
XXXX is not allowing me access to my once a year free credit score that W. George Bush passed a law in 2008 stating that we are allowed one free credit report and score each year by law. XXXX nor XXXX nor Experian are allowing this to occur. I guess paying XXXX XXXX dollars in fines has not even phased them whatsoever. Why is it the that nobody is doing anything about this behavior. Why do they continuously get away with ripping off the American people that built this country and free Democracy. Enough is enough with this behavior. Somebody needs to stand up and actually do something about it once and for all. I 'm getting tired of people turning their backs on the American people do the right thing and make a change.
We accept debit/credit cards for goods and services. Normally, we process the transaction and settle the batch with Chase Paymentech. The funds are then deposited into our XXXX checking account by Chase Paymentech. 
We had our bank acct info stolen XX/XX/XXXX. I immediately closed the XXXX checking account and opened a new XXXX checking account. I changed bank acct info with Chase Paymentech, however it was not actually changed. They kept depositing into our old account. My bank, as a courtesy, transferred the funds into the correct acct for 60 days. All of this was behind the scenes and without my knowledge. Chase Paymentech never notified me that they were unable to change the account info. When the day came that the bank stopped transferring from the closed acct to the new account, I immediately contacted Chase. That was XX/XX/XXXX. Over {$1600.00} is at Chase. For two months, I tried to update the checking acct information, however because they could not accomodate the legal name of our company, I was unable to get this accomplished. I presented letters from my bank, charter, etc. Just a side note, they accepted it when I originally opened the account XX/XX/XXXX. With frustration, I requested that they send the funds by check on XX/XX/XXXX. Today is XX/XX/XXXX and have still not received the funds. I represent the XXXX XXXX XXXX, a non profit organization. I continue to get the runaround every week that I called. I have event been to the " Escalation Dept. ". DO NOT DO BUSINESS WITH THESE PEOPLE!
On XX/XX/2015 I began receiving " You 're being sued, hire us '' letters in the mail. They said I was being sued by XXXX XXXX XXXX who hired Brumbaugh and Quandahl P.C ( XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX, XXXX ) to sue me for the alleged debt. I was served on XX/XX/2015 by the constable. The summons stated XXXX XXXX XXXX as the creditor and Brumbaugh and Quandahl is the law firm suing on their behalf. The amount of the suit was listed at {$4300.00}. No other information was listed, i.e. original creditor, account information, etc. In doing research on LVNV I discovered they are junk debt buyers and predatory debt collectors. Brumbaugh and Quandahl recently started calling me at home but I have not answered knowing it is them. The calls are after XXXX. I believe both entities are violating my consumer rights. I have sent to complaints to the Nebraska Attorney General and the XXXX as well.
My SSN was stolen and used to open numerous credit accounts. Among them was a XXXX wireless account. When I discovered this, I immediately called XXXX asking them what I needed to do to close the account and file a fraud claim. I followed their directions and submitted the requested paperwork including the police report, customer receipt and proof of address. they determined that it was not fraud and have been attempting to collect on this bill. They have since sent it to a collection agency and I am getting calls everyday.
I have never heard of a stand alone bank where when it eats your cash deposit and card that they destroy card and take up to 10 business days to credit your account..and then charge you {$25.00} to expedite your new card.had I known this was standard procedure I wouldnt have used that branch.
I submitted a public record investigation request to LexisNexis XX/XX/XXXX. As of today I have not received a response. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA PUBLIC FILINGS US BKPT CT IL XXXX XX/XX/XXXXBKPT CHPT XXXX DIS
I currently owe more on my student loans than when I first borrowed for my XXXX ( back in XX/XX/XXXX and my XXXX in XX/XX/XXXX ). Over the years I have been forced into forbearance never informed that the interest would continue to accrue. I have specifically called and asked about repayment and forgiveness options and been given incorrect information. I called recently to follow up on Federal Repayment which I was told I would be eligible for this year. I was told I was never eligible, requested they review my phone calls from the year before which they claimed they could not find. I was told to consolidate which would have taken me 25 years to pay off with new interest when in fact if I continue paying them off the way I am now I would be done paying them off in ten years which they did not tell me. I have been a XXXX in XXXX for the last ten years and am a mother of XXXX. I am struggling to get by and live paycheck to paycheck. I was never made aware of other options than forbearance in the past and never told about forgiveness or repayment options and given false information when I asked directly. During my last conversation with Navient when I requested for them to review my phone records which they " could not find '', I was assured I would get a statement recording my complaint filed with Navient which more than two months later has not been sent. In XX/XX/XXXX I was told to consolidate my loans to be eligible for loan forgiveness which I did and then was told that I was never eligible. This consolidation, I believe, increased my interest to the point where I now owe more than originally borrowed.
I have a hard inquiry from Synchrony/PPC on my credit report dated XX/XX/18. I did not do anything to warrant this inquiry. I have not applied for any credit or loans, or even credit increases. I contacted both Synchrony Bank and Paypal Credit, and they both indicated that they do not have any evidence of any attempt to do so. They did not help me in getting the inquiry off my report though.
I never opened an account and used them at all for XXXX XXXX/PAYPAL. They addressed to me with wrong address and want me to pay the balance. Otherwise, My credit report would be ruined. In the beginning I disputed them and they recommended again to pay the bill and I would not have any problem on my credit score. I decided that I would follow their recommendation and paid the balance. But, they messed up my credit report. I should have reported to police for identity theft.

By the way, one year later this problem happened again. They called me and asked me to pay another balance under another account which I never ever opened it. I went to police station and reported for that issue.
On XX/XX/XXXX I paid off my loan in full. The total was XXXX and on XX/XX/XXXX another XXXX was withdrawn from my bank account. When I sent a request to get the refunded of XXXX I was told that it would take 45 to 60 days for the money to be put back into my account. I have tried calling multiple times to get a status on when this money will be put back into my bank account and every time I get the same round about answer that they will contact their accounting department that they can only reach by email and call me back in the next 24 hours. I have not heard back from the company since my call on Tuesday. Since I have never got a status on when the money will be given back to us it seems to be that they either do not have the money to give us or are just not planning on giving us the money back.
Equifax decided to penalize me by taking XXXX points off of my credit score because I used 23 % of my available credit which is {$110.00} ( {$500.00} is my credit ) .They basically marked it as a huge no no and compared with previous zero % usage and thus decided I was a very bad girl. No, I was n't late with payment. No, it was n't a carry over amount from previous cycle. What 's the point in having a credit card if you get penalized for using 23 % of the total available amount. So much about XXXX shopping for me ... now I 'm at the point where I do n't even wan na use the card. While I was using it as recommended my credit score did n't move in months but stayed the same. There was times when I had more spent but I never lost XXXX points. Like I said, I did n't do absolutely nothing for this to happen. This needs to be rectified asap.
I lost my job several months ago, and have not been able to pay my mortgage for most of 2017. My account is with Fay servicing in XXXX. I asked My account manager for options And she was able to work up a modification plan but the problem with the modification plan is it requires over {$4000.00} as a good faith payment upfront. In the past they have waived the good faith payment and are refusing to waive it now. I then asked for a deed in Leiu Of foreclosure, basically a cash for keys which in my first conversation with my account manager she stated I would be eligible for at least {$3000.00} but will try to get me more. She then moved forward getting the modification but never worked on the cash for keys, asked her to check on it she put me on hold and five minutes later came back and said her VP said no cash for keys but they would take the keys and the deed. I said I cant come up with the {$4000.00} I once again asked for something for the deed, she began to argue with me. I can not tell you how many times Ive had to deal with Fay Servicing, they have put me in to other modifications which I told them were too expensive for me to handle I just want to be done with the house but I would need some sort of cash amount in an effort to be able to get a security deposit and first months rent with an apartment. I think it has been their goal all along to try to push me out of the house. The investors that own The mortgage have modified several times before without a good-faith payment, they have also offered me cash for keys in the past which I did not take because at the time I wanted to keep the house. Fay Servicing is  extremely dishonest and they treat people that are having financial struggles horribly. I have read other situations which they push forward with foreclosure which is what they did when they first got my loan a few years ago. I was under a forbearance agreement with my former mortgage servicer, and once they purchased it they immediately put my house back into foreclosure. This is a tactic they use, the only reason I still have the house is because I fought it.