WillisBack/dataset-financial-user-claim huggingface dataset:
First National Bank took over Metro Bank. Due to the level of customer service I received, I made the decision to close my account. Prior to closing my account a recurring payment caused my account to be overdrawn, to which I was charged substantial fees. I went to the bank in person on XXXX XXXX, 2016 and closed the account. The account was brought to a zero balance. Without my knowledge or consent, on XXXX XXXX, 2016, the account was reopened due to a recurring payment of XXXX. Now, as of XXXX XXXX, 2016, my account has a negative balance of {$68.00} due to overdraft fees, many of which are being charged every three days. I was not made aware that this would happen nor that they even reopened my account, so how would I have known that I was even overdrawn and that fees were being applied? This is unfair and deceptive to myself and other consumers. I called to speak with a manager located at the XXXX XXXX branch in XXXX, PA, who was very snippy with me even when I said that I would be filing a complaint with the CFPB ; her response was " If you feel the need to do so, go ahead. '' It is important to note that when the account was closed, I was never made aware to cancel my recurring payments. I assumed that like other companies ( Such as XXXX ), I would receive an email stating that my payment information needed to be updated. Never did I imagine that a closed account would be reopened without my knowledge.
I attended XXXX College in XXXX WA from XXXX. My school loan was for approx XXXX. I was awarded a federal pell grant, which paid  everything except XXXX which I was responsible for paying ; I paid that in full. My loan was handled by Navient loan Servicer. For some reason they took my XXXX tax return of XXXX out of my bank account directly. I was given this number by the IRS XXXX and told to call them to find out why they are taking my tax return money. I did so, the XXXX number was a debt collector agency and would not discuss any details with me ; they were only able to tell me that I owe the " US Department of Education '' {$16000.00} for a school loan that I had n't paid. <P/>My student loan was paid in full inXX/XX/XXXX; between my pell grant and my personal payments of {$2000.00}. <P/>There is absolutely no reason why I should have over {$16000.00} dollars worth of school loan debt! <P/>This XXXX number representative also told me that the US Department of Education had sent me bills for this debt - which is false ; they did n't even have my correct address on file! I have never received any sort of bill for this debt and it is a wrongful debt not owed by me ; still they unknowingly took my entire tax refund from me. That money was for my XXXX young daughters. How can I replace that income lost that I rightfully earned!? <P/>I also checked my credit report with XXXX and XXXX - this debt is not on my credit report anywhere ; most liked because it was added falsely and recently.
I have a mortgage loan that is held by Mr. Cooper previously known as Nationstar for my home that I purchased in 2007. I have been involved in negotiation with their bank for several years as I have tried to resolve my mortgage delinquency. As we have gone through the process, I have discovered that Mr. Cooper does not possess the original paperwork or have documented proof that they are not the rightful holder of my note and that there is a serious question as to their ability to foreclose on this home, or even get a clean title in the event of sale. Because of this situation, I had thought that their office can be involved and would work hard with me to resolve this issue. 
I recently received an offer for a modification on the home and the fact that I thought Mr. Cooper is finally willing to work with me. The problem is that they added into the balance owed all delinquent payments, interest, late fees, legal fees and junk fees. The new modified mortgage payment was lowered only by {$100.00}. The total balance owed ( according to their records ) is {$520000.00} that is 154 % more than what the home is worth. I purchased this home for {$400000.00} and the current value is estimated at {$340000.00}. I am now sitting 153 % loan to value although I consider this a home and not an investment, this modification does not make sense for me or my family. 
if I may and allow me to elaborate, I bought this home in 2007 with 80 % financing through XXXX. 
I was fit into ARM interest rate 7.00 %, recast and capped to 10 %, monthly mortgage payment jumped from {$2000.00} to {$3000.00}. Ive been recently unemployed have been unable to find work and began struggling with the mortgage payment. That was my full-time job now and my family I made a decent living. The problem is that between the time I became unemployed my household income was slashed in half and that is when I defaulted on the loan. Not long after the loan was transferred to Mr. Cooper I began trying to negotiate a home retention program. I could not make any progress same excuse that the necessary documentation to proceed was not received. It led me to believe that due to these findings that their company would provide me with a reasonable workout. However, instead of working with me, once again Mr. Cooper behaved unethically and set an acceleration to foreclosure. Luckily at the last minute someone in their legal department or somewhere else must have realized that trying to sell this property at foreclosure would be a disaster because Mr. Cooper could not show continuity of obligation nor prove their legal right to sell the home. 
The amount that I am required to pay on this loan to satisfy is doubled of what I paid. The home is worth fraction of what I paid. Although
XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX2017 I PAID {$19.00} A MONTH FOR XXXX ONLINE SERVICES TO MY CREDIT REPORTS. I CAN NOT ACCESS THOSE PURCHASED REPORTS NOW, AND I BELIEVE I AM ENTITLED TO HAVE ACCESS TO THEM. ASLO, I FEEL THAT I AM WORKING CONSIDERABLY HARD TO PAY BACK SOME THINGS ON MY REPORTS AND I DO NOT FEEL THAT EITHER EXPERIAN, XXXX, OR XXXX IS TRULY WORKING FOR ME AS A CONSUMER MUCHLESS, BE RESPONSIBLE TO HOLD MY FINANCIAL RECORDS AND HISTORY ACCORDING TO HOW THEY FEEL LIKE IT.. I NEED MY CREDIT SCORES CHECKED WITH ALL 3 COMPANIES. I HAVE PAID OFF SOME BILLS, HOWEVER THEY LOWERED MY SCORE BACK TO THE SAME AS IT WAS WHEN I STARTED. I BELIEVE MONITORING BETWEEN THE THREE, AND MY DISPUTES MAY HAVE ENTERED INCORRECTLY, NO MATTER HOW THOROUGHLY I EXPLAINED IT. IT LOOKS AS THOUGH I WAS PUNISHED BY DISPUTING DEBT AMOUNTS.
I have had a mortgage with Key Bank ( previously XXXX XXXX ) for roughly 2.5 years. Every month I make my payment online through XXXX XXXX 's bill pay. I have never had an issue until now. This month I received a letter from Key Bank stating that I was past due on my XX/XX/XXXX payment and assessed a late fee. I was warned that this could potentially be reported to the credit bureaus. I checked my XXXX online banking to see the payment was sent and received by Key Bank on on XXXX XXXX, 2017 so far before my due date of XX/XX/XXXX. I have a confirmation number of this transaction and the amount is no longer in my account. I called Key Bank on XX/XX/XXXX when I opened the letter from them. The agents informed me the call was to collect a debt from me. I was transferred several times till finally I was given an email address to a manager to send my proof of payment. I emailed this proof with the confirmation number and was told I would hear back soon. After not hearing for over 48 hours I called back. No one knew anything that I was talking about and still said I owed money and a late fee. Additionally, besides making my payment on time, I also made a lump sum payment of XXXX dollars on XX/XX/XXXX ( which is in my payment grace period ) to remove the PMI from my mortgage. So essentially I payed around {$27000.00} on time. Key Bank is still telling me they are not able to locate my payment, and they took my payment for XX/XX/XXXX and applied to to XX/XX/XXXX. My XX/XX/XXXX payment was for an extra XXXX dollars that was supposed to go toward my principle. They used some of that money to pay the late fee from the previous month. I paid XXXX to fax them proof of the electronic debit. They still said this is insufficient. Basically there is XXXX missing of mine. XXXX says they sent it to Key Bank and they say they never got it. I am now considered behind on payments. Key Bank 's customer service is more than poor. It has been despicable. No one knows what each other is doing and they do not respond after promising to get back in touch with me.
On my mortgage statement on XX/XX/XXXX, i noticed an escrow shortage of XXXX. So on XX/XX/XXXX, my husband sent a check to the escrow department through his bank ( XXXX XXXX XXXX XXXX XXXX ) in the amount of XXXX. The escrow had to be paid by XX/XX/XXXX. Before i paid my escrow my mortgage payment would have been XXXX for XX/XX/XXXX. However, after i paid the shortage, my payment should have been XXXX. I noticed my payment had not changed. So, I contacted Ditech to inquire about this matter. I was told it had been corrected. Nevertheless, the site is still showing my escrow has not been paid. On XX/XX/XXXX, my husband sent a check for XXXX then on XX/XX/XXXX another check was sent for XXXX. Moreover, another payment was sent on XXXX on XX/XX/XXXX. I have spoke to XXXX different representative at Ditech to try to get the issue resolved. In fact, the last XXXX representative XXXX ID # XXXX and XXXX ID # XXXX who i spoke to on XX/XX/XXXX told me they were sending an email a supervisor to get my account corrected. So i checked the website to see if it had been corrected and found no change at all to my account. I called Ditech again today spoke to XXXX who said she did not have an ID # who said she was putting in a request to have my account corrected. I am really frustrated. So i asked to speak to her supervisor XXXX ID XXXX at call center in XXXX XXXX, XXXX XXXX I ask if she could see where a request had been made to re-allocate the money i had sent them. Oh course, she stated she saw the request.However, i have been told a request had been made so many times that i do not believe anyone is correcting my account. So, i asked for the representative who was assigned to my account XXXX # XXXX. I told her how many representative i had spoken to and how long i had been waiting to get my account corrected. She was rude and overtalking me saying there is a process and she can not snap her fingers and fix the program. I advised her that i paid my escrow on XX/XX/XXXX so how long should it take. She just kept talking over me. So i asked to speak to her manager, XXXX, Collection Manager, who said she did not have an ID #. These people are rude and does not care about resolving issues with their customers. My statement is always incorrect. I believe they purposely make the statements look like their customers are late on their payments so we can not move our mortgage to another mortgage company. It is deceitful. I have asked each representative to send me an email verifying they are having my account corrected but they all said they can not send me an email detailing our conversation. Can i send them a validation letter? I need something done about this mortgage company. My statement is still showing i have not paid my XX/XX/XXXX payment when it paid on XX/XX/XXXX and my escrow has not been paid. Furthermore, i have paying late changes they say the mortgage company before them said we owe. Bad Company ... Beware ... .just like Greentree Servicing ...
This is a fraudulent account on my credit report, the XXXX have already satisfied this negative remark on my acct as being paid off, please remove this, also a XXXX should n't be on my report, another fraudulent activity on my credit report.
I have been dealing with this matter for the past couple years. This outstanding student loan balance was originally satisfied and closed. It reappeared on my credit and XXXX deleted it but now its another account through same lender. This information being reported is incorrect and this account is still reporting on my credit even though the status says closed. I have supporting documents to show when it was deleted before on my credit monitoring site.
My credit report states that I owe {$400.00} to XXXX. I have n't had an account with XXXX in over 7 years, nor did I owe them money when the service was transfered to the new tenant in the building the service was being provided to.
3 weeks ago requested loan payoff from Caliber Home Loan thru their SPOC representative. Was told I would receive it soon. Still waiting and I have a pending foreclosure that is moving forward. I have a pending sale on the home and can not draft a correct contract as Caliber ( who represents XXXX ) is not sending me the requested 30 day payoff that I asked their SPOC rep XXXX # XXXX to send me. I want to sell my home and avoid foreclosure but they are holding up my request for a loan payoff. They are denying me my right to sell my home!!!!! Why ca n't they provide this payoff?
I recently found out that I had a " 60 day late '' on my loan. This came from when PNC bank took over servicing my loan from the previous company. I have always been an auto pay customer with perfect credit. The PNC takeover undid my auto pay, and due to a mix of poor communication and confusion, my first XXXX payments with PNC were " missed. '' The second it was clear what happened I talked to an agent. She said that she understood the situation, that these things happen, and that there would be no late fees ( I took this to mean we were all set and I was in the clean ). I immediately sent an electronic payment for three months worth of the mortgage and set up a new auto pay. Throughout this whole period I had about 20-30 times the monthly payment available in my checking account. 

Once I discovered this issue I went though a couple of unhelpful calls with the bank before being told I had to submit my story in writing to request a goodwill or courtesy adjustments. I submitted a long letter documenting the whole story and showing my auto payments in the months before they took over and after. I also shared with them my account balances throughout this period. It would be clear to anyone who took the time to read or think what happened and that this whole situation was confusion over auto payments. 

After about two or three weeks they replied to my XXXX page letter full of documentation with a XXXX sentence form letter that offered no indication that they even considered my case. They simply denied my queries and declared the case closed. 

Their communication through the period has been horrific and the complete inability to talk to anyone who has anything to do with the credit agency reporting extremely unhelpful. I ca n't say enough bad things about them. I am a sophisticated person with a XXXX and no actual financial problems at all. I ca n't imagine how they must abuse and take advantage of other folks who are no so lucky and do not have the time or resources to pursue complaints. 



sent an electronic payment for three months worth of payments.
I have requested that Ocwen ( Mortgage Company ) stop calling me at my Job. I gave them my cell and home phone number but they continue to call my job. I work at a help desk with XXXX other individuals and all have answered the phone and knows who they are. My boss has answered the phone in the past and also asked them not to call the work number again. Every morning I still get two ( 2 ) phone calls. I do not mind them calling mine or my wife 's cell or my home phone but they really need to stop calling my job. Is there anything that can be done to stop them from calling my work place?
I have a collection account on XXXX, XXXX and Equifax from XXXX XXXX XXXX XXXX in the amount of XXXX. I was one of the signers on the account which was a business account. The account was closed by the bank. I understand reporting this against the company but not against me. The account was opened with an EIN number under a business name as a business checking account and not a personal account.
I had disputed a XX/XX/XXXX merchant charge with Barclay 's. It was removed XX/XX/XXXX. They then added back the unauthorized charge to my balance XX/XX/XXXX causing my limit of {$4000.00} to soar to over {$7000.00}. They then closed my card without notification or offering me new terms ( Credit Card Act of XX/XX/XXXX ), and have inflated the amount owed with criminal added fees. To compound this insult, Barclays is misreporting every month as late - 30,60,90,120,150 days late. YET every date they reported late - I PAID. They have been ACH drafting monthly payments from my account. How can I be late on a date they are autopaying from my account? Not only are they misreporting ; the entire file is wrong. They show me as late, AND they show the amount I paid. How can I have no balance XX/XX/XXXX, but pay double the amount due in XX/XX/XXXX ( autopay ) and be late? They even drafted from the wrong account several times that caused me enormous overdraft fees. I have had every excuse imaginable to not rectify the situation. I had pristine payment history before they added it XX/XX/XXXX. As of XX/XX/XXXX I am still being marked late. 

I am now in an impossible situation. Their refusal to rectify the situation has caused irreparable damage to my credit and my livelihood. I lost a XXXX real estate deal because I could not qualify for the loan. They are monthly misreporting non payment from XX/XX/XXXX making that XXXX late payments. AND to add insult to injury ; they are reporting the {$7000.00} 'debt ', and have removed it from my total credit limit. The worst case scenario possible. Credit Debt {$14000.00} Total Credit {$7600.00}. They are essentially holding me hostage with a credit usage at XXXX %! I will never be able to have my XXXX score again. It will FOREVER be at XXXX unless I pay them this erroneous amount most of which is interest and fees. They 've updated the credit bureaus as dispute resoled, but as you can see there has been none. Barclays is ruining my life.
To Whom It May Concern, I am contacting you for guidance, help, and/or assistance concerning the XXXX XXXX XXXX XXXX ( PSLF ) program. My wife and I are both XXXX and have diligently been making our student loan payments on time and in full since the beginning of our repayments. 

My focus is my wife, XXXX, because she has been making on-time, full payments for almost 15 years, while XXXX into her XXXX year. AS you will see in the attached letter from Fedloan Servicing, XXXX was certified in XXXX for her employment with XXXX XXXX XXXX that began in XXXX. Because she loves this job so much, it is the only XXXX position that she has held in this low income district. 

The reason as to why I am contacting you is because we recently learned that she will not be eligible for XXXX because she was placed under the incorrect payment plan. As you can see from the attached letter, it appears that she qualifies for XXXX. She was actually under a plan where we paid more per month! IF we were aware of this, we would ensure that we were under the correct plan, especially if we could pay less per month. 

We feel the letter certifying her employment is deceiving, giving us the impression that we are on track for XXXX. XXXX and I both have master 's degrees and are both highly educated, however we did not catch the costly mistake that not only affects us, but our children. Why would we choose not to be under a qualifying plan? Why would be make on-time, full payments for years under the incorrect plan? 

We not mind paying our fair share but feel like there should be some kind of solution to a situation like ours instead of starting at the beginning. We feel like we are being punished for doing all the right steps. It is documented that XXXX and I have been making on-time payments in full for over XXXX years. Tax and student loan records can prove this. 

My question to you is, what do we do from here? There has to be a solution to our situation because we can not be the only educators in this position where we thought we were doing what was right but were mislead. I have many other documents that I can scan, copy, and upload if needed. 

Thank you in advance for your help- XXXX XXXX XXXX & XXXX XXXX  XXXX XXXX
I tried to apply for a credit dispute and could not even see my report because when asked about possible loans on my report, I had no information of them and no memory of getting a loan. I 'm XXXX and it said that there were loans as old as 2011 that I had no idea about onb my report that I ca n't see.
I received a phone call from Choice Recovery located in  XXXX , OH a couple of years ago and said that I had a few hours to pay {$57.00} for a visit to  XXXX   XXXX  in  XXXX , OH or  my credit score would be negatively affected. I ignored them and thought nothing of it and blocked the number. Recently I checked my credit score and the debt I still " owe '' is in fact damaging my score. This " debt '' needs to be removed from my account.
I did not apply for Credit with SYNCB listed on my  XXXX  Report. I sent in a request for physical verification that the SYNCB Inquiry listed on  XX/XX/15    was in fact something they could prove I applied for and they sent a response saying they are unable to provide the proof, but then also refused to remove the inquiry from my report.
I returned my equipment to XXXX and they send my account to collection to paid for some items who was returned. Now I received some harassment calls for a collection agency with treat and sanction of jail. I do n't own this money to anyone and I want this calls to stop.
My Paypal account based on my email " XXXX XXXX XXXX '' still remains restricted, specially for sending and receiving payments. In spite of Paypal promising me that my account would be lifted of the restrictions, that did not happen as when I login I am offered to receive an automated phone call but as my landline has changed, that is not posible at all. When I call the XXXX Call Center of Paypal, it has not either been posible to reach a solution as my current landline number differs to the original entered in my Paypal profile. 

I have to point out that after my 2 previous complaints through the CFPB, there were some advancements, however the main inconvenience, i.e,, the limitations still affecting my Paypal account do remain and that is a major problem for me as I do need a Paypal account for personal and working reasons. 

Paypal imposes non-sense and stupid restrictions, such as that a bank account can only be linked to one Paypal account and not to second one so when I attempt to open a second Paypal account under a different email address Paypal does NOT allow my XXXXct bank account to be linked to a new Paypal account. That is a XXXX and XXXX rule from Paypal!!