WillisBack/dataset-financial-user-claim huggingface dataset:
My issue centers around poor customer service, inaccurate escrow information ( advisement of a refund and withdrawal of that with no notification ) and lack of response to multiple service and escrow complaints. I knew I was going to have a wide fluctuation on property taxes ( due to building a new house on vacant land ), and contacted United Wholesale Mortgage my mortgage provider. I left multiple phone calls to an individuals voicemail in the Escrow Department and after XXXX months, never got a call. I would also call Customer Service and they said they would leave a message for someone to call me, but once again, no one would ever call. I was able to speak to a few CS reps, one of which helped to calculate my new escrow payment and they advised me of my refund. Three weeks went by and no refund. I called in again and found out they calculated it wrong because they were not an escrow representative and was told I was getting appx 50 % of what they told me as a refund. When I asked why I was n't notified in writing, they had no answer. I asked to speak to a Manager and he advised that he would pull the calls and call me back. I left him several messages over several weeks and never received a call from the Manager with an explanation. I also never received a revised escrow statement until I had to call in and request XXXX. This should have been provided since they recalculated my payment and my refund. I have since submitted a Complaint to their Complaint Department and they have had it for XXXX weeks with no response. While I have n't been financially violated, I am getting the worst service ever and have never been able to speak to a live Escrow Agent at this company. They claim they only let you speak to their front line Customer Service Reps and then the escrow agents do the work behind the scenes. This might be fine until the CS Rep calculates the wrong refund amount, they then Escrow Dept changes it, they hold back the check they were supposed to send you and never advise you that you are not getting the first check and the amount of your refund changed. I find this to be completely unacceptable and would appreciate your assistance in helping me get action and a response to this matter. I have never seen a firm NOT respond to a complaint.
I talked with XXXX XXXX XXXX on XX/XX/2018 many times that day was put on hold and moved from dept to dept. I got my chexsystem  report and seen that they reported the amounts that i owe but then put SUSPECTED FRAUD on the report and that has stopped me from getting a checking act.. I told the agent the act was open and was never closed for Fraud i just got on hard times and could not pay the act off that i was overdrawn in. She sent me over to rick management because she said the acts where in that dept. Then  risk management told me that the acts where never in that dept and they are in collections. She told me that she does not know why the acts would have been maked suspected fraud and sent me back over. The lady on the phone told me that she will call chexsystem 's and tell them what happen but she just sent me over to chexsystem 's and ended the call. 

I have been dealing with chexsystems to get this removed off my report but have not got any info from them as to why it was reported as suspected fraud. I know i owe XXXX  XXXX XXXX money and i have offered to pay off all the acts if they will just remove the remark suspected fraud off my report. I have sent many letters and never got back to me.
I am having multiple difficulties in re-paying my student loan. Its been 17+ years since I have completed my XXXX degree. At the time of graduation, finding a job proved to be difficult for a recent graduate without very much work experience. So, at that time, I had to request a forbearance on my student loans. I also went through phases in consolidating my loans to XXXX XXXX XXXX XXXX to  make the repayment process go smoother. Intermittently through out the last 17 years I have made payments on my student loan which initially amounted to $ XXXX. However, with all the forbearance actions I was not under the impression that my loan would be capitalized when I was applying for extensions due to the amount of the loan and the re-payment plans available. My loan amount has almost doubled at $ XXXX. So, as time went on I have taken advantage of the Public Student Loan Forgiveness Program since I have been working for the Federal Government for 17 years. My agency was not generous as what people might think about granting tuition assistance or re-paying their employee 's student loans as part of a recruiting and retention program. So, as I struggle to pay back the loans, the PSLF program has offered a way for me to complete. Anyways, what I did not know and felt deceived is the number of payments on my account that were not credited. My loan originated with the XXXX XXXX XXXX and was transferred to XXXX XXXX & XXXX. Only a portion ( 8 )  payments from XXXX within the last year before I applied to the PSLF program were accepted and counted against my PSLF from the past 15 years. I also did not realize that if you are one day late in making your payment, that payment is n't credited as well. So, with this I feel robbed that all the payments I have made are not being credited properly and therefore caused to make more payments than what is needed for forgiveness in this plan. As time goes on and with my limited income with the Government being politicized it feels that the struggle to make my student loan payment is worse. I have tried to work with my lender, the thing is I am hearing impaired and the preferred method of contact is by email. My lender 's customer service is not receptive and often times my inquiries are not being acknowledged for weeks or sometimes not at all.
Both myself and my wife have put credit freezes on our accounts at Experian, XXXX and XXXX. XXXX will let us get our free annual credit reports online. Experian and XXXX wo n't. I am assuming the reason is because we have credit freezes on our account. This is unacceptable. It is a pain in the neck to request them via XXXX mail.
In XXXX 2013 I opened XXXX bank accounts at Wells Fargo in XXXX XXXX, Oregon -- a small business account and a personal account. Within a XXXX, Wells Fargo closed my accounts, without notice and without explanation. Eventually it took my calling Wells Fargo to find out that my accounts had been closed ; in the meantime I was unable to access my accounts, either online or at ATM machines. Wells Fargo said that additional information was required on my accounts, which I provided immediately. Wells Fargo re-opened new accounts in my name, only to close my accounts again within another week or XXXX, then to re-open my accounts, again, with new account numbers. While all this was happening, Wells Fargo continued to hold - and have the benefit of - my money. Since my accounts were so messed up by Wells Fargo, I could not setup online banking, I could not pay bills, and I never received bank statements of my accounts. In XXXX or XXXX 2013, I attempted to apply for an XXXX XXXX driver 's license ; however, since XXXX required proof of residency within the state, which may be provided by bank statements, I was unable to provide proof of residency without my bank statements from Wells Fargo. I purchased XXXX vehicles in XXXX 2013 in Oregon ; since I had no state identification from XXXX, I had to use my XXXX driver 's license as my identity -- and pay XXXX sales tax, which I would not have had to pay any sales tax at all if I had an XXXX driver 's license ID.
Lexus Nexus a reporting agency for driving records, has me down as having XXXX wrecks 1 : XX/XX/XXXX and 2:XX/XX/XXXX. after several calls I finally got the right phone number to dispute this. After speaking with them they realized they had a data entry error and was 1 number off on either my social security number or my drivers license number. They said they would put in a dispute for me BUT it takes up to 30 days to correct. Now I ca n't get insurance at a lower rate because of this company. It took them Mila seconds to mess up my record and will take them up to 30 days to correct. It not only happened to me but also my sister and my niece. I 'm asking that you please help me get this correction done sooner.
On   XXXX   XXXX   XXXX     I received a credit card offer from  Chase Freedom  through  XXXX , and on   XXXX   XXXX     XXXX   XXXX   XXXX    through  XXXX  because my score was  XXXX .   The advertising states they would do a soft pull on your report and it WOULD NOT affect your score. They do n't explain that they later do a hard inquiry to the Consumer. I spoke with Chase and   XXXX   XXXX   XXXX   and they both told me they would not change it to a, Soft pull. However  XXXX  advised me that they could change it where it would not affect my score. By them doing a Hard inquiry my score dropped to  XXXX  by  XXXX  points, I am very angry, Had it been properly explained to me that an initial Hard inquiry would follow I would not have applied. This hard inquiry will remain on my report for 25 months, which is utterly ridiculous. This is completely deceptive practice and  XXXX .
There was a loan taken in my name from a company called XXXX which I had no knowledge of or received money from. A company called Cach LLC bought the loan from them and originally called me in XX/XX/XXXX through Fresh View Solutions, they were told that the debt was not mine and I never applied for a loan nor received any money from a loan from XXXX or CACH LLC. Did not hear anything in response until I received a call on XX/XX/XXXX from XXXX XXXX XXXX who attempts to collect money on behalf of CACH LLC, they also called other family members trying to get my information. They were told again the loan was fraudulent, but they are still attempting to collect the debt which should not be mine. I did some research on what XXXX requires to accept to pay out a loan and they require bank account information and to verify employment, which would have been hard for me to do since when this loan was taken out ( XX/XX/XXXX ) I was unemployed and a XXXX and my bank account records will show I never received any loans from XXXX or CACH LLC. I am uncertain how they operate but it appears they need to validate their information before paying out to someone who claims to be someone else.
I opened my XXXX account on XX/XX/XXXX when I attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX.XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I was late with payments, 90, 120, and 150. In XX/XX/XXXX, I arranged scheduled payments of {$81.00} to be withdrawal from my bank account on the XXXX day of each month. Since arranging this my account has been a great standing until last month. 

I was informed by Experian that my credit scored dropped 8 points due to late payments on my XXXX account. When I called XXXX they informed me that I was late on payments in XX/XX/XXXX. I found this information very confusing. I'm confused why they are hitting my credit after six years of great standing on my payments. When I asked the Navient rep to transfer me to a supervisor, I was told there was nothing more I could do to resolve this issue. The rep then reminded me of when I opened the account and the months I was late. But them reporting late payments after six years doesn't make sense at all. 

I hope you are able to resolve this issue. I'm not sure how my dispute was settle by Experian because my credit score has not gained its 8 points back.
Hello, I have a private loan with XXXX XXXX XXXX. I defaulted on my loan and I was n't able to pay because of unemployment. They sent my debt to collections were I was making {$40.00} a month payments. Then they sent it to another collections agency and now it is with Weltman , Weinberg & Reis collections. They have been calling my parents house everyday since last week. They sent me a letter in mail saying pay in full. But I 'm still not working and have XXXX money in bank they only thing I can afford is {$15.00} a month until I 'm employed and I 'm more than willing to make higher payments. My father co sign but I 'm responsible for the loan he is n't working either and have medical bills because he had XXXX and had to have XXXX last year. He had a total of XXXX in 7 months the most recent in XXXX 2015. When he cosign he had no idea I would n't be working and could n't pay. So I 'm responsible and just need to make monthly payment plans or a rehabilitation program that I was n't offered by original loan.
London and London claims I owe XXXX to XXXX XXXX. The balance is well over my credit line of XXXX, part of the debt is the result of fraudulent charges and at least XXXX is questionable as it brings the account well over limit, I suspect either XXXX XXXX or London and London added on bogus charges so as to make it appear I owe more than I actually do. At least 3500 is due to fraudulent charges. Please note, I did attempt to make payment arrangements with XXXX XXXX several times, the last online chat rep would not cooperate and said to wait until a payment had posted at the time before making any arrangements. Most recently, I made additional attempts to discuss debt with XXXX XXXX, however, calls were transfered to recovery dept where calls are recorded. I refuse to speak with anyone on any recorded line, reps were advised of this several times. However, they insist on recording calls in case any payment arrangement is missed. One rep advised me they do not accept settlement offers, which is a shame as a settlement amount would resolve it. Please advise London and London that most of this debt is fraud/bogus and refuse to pay unless a reasonable settlement offer is made to me.
I do not know the actual legal name of the person contacting me, but they are leaving voicemails saying they will serve me at my job or home with court documents and if i am not home will deliver the papers to my supervisor. I do not authorize such actions and i do not agree with this debit. I have no signed contract with this company, and they have failed to provide me with a signed contract i have with them saying i agreed to this debit with their company directly. Portfolio Recovery refuses to VALIDATE this account completely. I received all documentation required validating this debt as legally requested. The right of subjugation does not exist for a stranger to the transaction.  73  AmJur  2nd, Section 90.  This company is required under the FCRA to have properly verified the accuracy of an account listed on my credit report. Where are the documents that you used to verify/validate these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number . Black 's Law Dictionary, 9th Edition, 2009, defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " To confirm or substantiate by oath or affidavit ; to swear  to the truth of. '' and "  Verification  '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have  1st  hand knowledge of the alleged accoun t ( s  ) and all that has ever transpired for the alleged account  ( s  ), under oath and under the penalty of perjury. As I am sure that you are well aware, current  Federal  case law states that,  Consumer Reporting Agenc ies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a "  Reinvestigation ' ' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by  1681 ( a ) ( 4  ). This is a request f or VALIDATION. Provi de me proof I have a signed contract with your company. Also provide every single debt statement i had through the course of the said account. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will go to the  State  Attorney General if this is not resolved.
For the past few months, I ; ve disputed XXXX reporting of a 120 late payment to XXXX XXXX XXXX XXXX. Unfortunately, they continue to report this. They are reporting a commercial property on my personal credit. This property is an active hotel and the master deed states that it's for transian use only, so you cant live there. I was in a rental pool and was an income generating property. And, XXXX XXXX clearly states that properties with Hotel signs do not qualify for conventional mortgages. XXXX had no business lending in this arena and that's why they no longer do. This is not a home, nor could it ever be one. This was ownership of an income generating hotel room. All you have to do is XXXX the address of the loan and you'll bring up the hotel.
Initially we applied for a mortgage modification back in XXXX with CitiMortgage, XXXXnc. Citi modified our loan reducing the interest rate from XXXX XXXX XXXX XXXX with an $ XXXX reduction in the monthly payment. And when I question XXXX XXXX, XXXX ext. XXXX, about the nominal decrease she insisted that that was the best they could do withstanding our XXXX XXXX  status. I was already XXXX and expected XXXX to XXXX soon. Nevertheless XXXX stood fast sayin that the we could submit a later request for a second modification. I do n't think we were treated fairly with the HAMP guidelines application. This modification was granted in XXXX XXXX with the first trial payment due XXXX XXXX, XXXX. 
Since XXXX eventually retired in XXXX XXXX, we submitted our second modification request in XXXX XXXX. We did n't get Citi 's decision until XXXX XXXX, XXXX. And only then after I vigorously complained knowing that we had submitted all documents and explanations in XXXX. Predictably Citi declined us and one of the  reasons given was that we had already exhausted the modifications available to us. Additionally we received an escrow analysis from Citi and on the backside it indicated that Citi had sold our loan as of XXXX XXXX, XXXX. After learning that XXXX XXXX XXXX was the new mortgage Company, they informed us that HAMP expired XXXX XXXX, XXXX while encouraging us to reapply for modification with them per their in house effort. XXXX subsequently declined us too. and we dealt with XXXX XXXX ; XXXXXXXXXXXX ; who really seemed like this was her first modification effort. So our first payment was due XXXX XXXX XXXX, XXXX, we received notice late XXXX that XXXX has now sold our mortgage to XXXX XXXX XXXX, XXXX effective XXXX XXXX, XXXX. We had already issued and mailed payment check to XXXX XXXX XXXXXXXX. we had like experience when Citi sold to XXXX. documents attached pertinent to Citi 's decline and our appeal was declined too. The property in question is XXXX XXXX XXXX, XXXX, Mo XXXX, our primary residence. Is there something strange going on with all of these unique transactions? I could n't get the documents attached.
XX/XX/XXXX I switched to a income based repayment plan. Prior to this, I was enrolled in auto-pay and received a 0.25 % decrease on my interest rate. After switching to income based repayment I was locked out of my online account. I have been calling Navient since the beginning of the year for this to be resolved and they have it being looked at by IT but still no results. In the meantime, I have been unable to access my online account for payment information and notifications. I also have not been able to enroll in auto-pay which has made me pay the extra 0.25 % interest since I switched my repayment option. Navient is not resolving my online access ability and sending me emails but I have no way to access the information they send me via email because it requires you to login online at Navient.com.
XXXX XXXX claims I am behind on a payment, specifically for XXXX XXXX, when clearly I sent XXXX XXXX of XXXX XXXX, images of each and every payment I have made since the inception of my lease in XXXX XXXX through and including XXXX XXXX. I have paid each month well in advance of the due date. I have also emailed XXXX XXXX images of these checks and electronic payments, all of which have cleared, yet she and XXXX are adamant that I am behind in a month 's payment, and proceeded to hit with penalty fees. I can submit this supporting documents, which my banking representative at XXXX XXXX, XXXX has provided me with. In fact, that representative at XXXX, spent well over XXXX hour on XXXX/XXXX/XXXX on the line, holding for over XXXX minutes, to be hung up by another representative, before ultimately being connected to a XXXX, XXXX XXXX XXXX, who requested the banking images and scans of e-payments. I submitted these to her on XXXX/XXXX/XXXX, yet never heard from her since.
I refinanced with this same company about one year ago. Then this past XXXX I wanted to do another refinance which they solicited to me to consolidate my current debt. They have secretly investigated my personal life and work, and said what they uncovered was conflicting information, which after explaining it to them they learned wasn't true. It's going on the 5th month and every couple of weeks they are making requests for other documents and statements they say they need, some of which were provided at the beginning of the process. The loan cost have continued to go up, and the terms changed. I'm exasperated.
I made a full monthly mortgage payment for {$590.00} on XX/XX/XXXX to Ditech it has NOT been applied to my account as of XX/XX/XXXX therefore misrepresenting the account status to me as well as credit reporting agencies.
Nationstar denied XXXX XXXX application on the erroneous basis that she failed to submit documents. Nationstar continually requests documents in a piece meal fashion and as a result of its asking for documents one at a time, all the other documents grow stale and my clients ends up on a document production treadmill where the application is never completed because Nationstar requests documents one at a time or in piece meal. As a result, it denied XXXX XXXX application. All the necessary documents were PDF to XXXXXXXXXXXX but he is out of the office until XXXX XXXX, 2015. All the necessary documents were then faxed over to Nationstar today. 

Since, this is Nationstar 's error, we are requesting that it review XXXX XXXX application in its entirety and in the time frame required by HAMP, which it does not do.
I went to apply for a loan and found out that Equifax has reinserted inaccurate information and has continued to report a tax lien which was later released by the IRS ( attached will be my Chapter XXXX plan and IRS release of lien certificate which shows that it was released as a result of my bankruptcy ). Equifax reported that my Chapter XXXX bankruptcy has been dismissed, reinserted collection company 's ( XXXX and XXXX ) reported that I have an open account with XXXX XXXX and XXXX with balances. I filed Chapter XXXX and I am no longer liable for IRS tax lien in the amount of {$66000.00}, XXXX, XXXX, XXXX XXXX, XXXX and XXXX yet Equifax continues to report inaccurate information even after I disputed with them twice. Equifax has caused me great harm. I even gave Equifax my attorney 's information so that they could verify that I am no longer liable to the IRS lien, XXXX XXXX, XXXX XXXX, XXXX, XXXX and others. My attorney 's information : XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Florida XXXX
Repeatedly tried to contact Southwest Credit Systems L.P. to verify a collection account on my XXXX, XXXX  and XXXX credit reports. I have not been provided any information on the account that is damaging my credit and ability to obtain new credit.