WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX I lost my job and my wife left me, so I was unable to make all my payments on $ XXXX/week unemployment. XXXX XXXX, aka XXXX XXXX XXXX, aka XXXX XXXX, refused to accept a short-sale even though I had XXXX offers on my home at the appraised value. XXXX repeatedly and in my opinion intentionally delayed accepting a short-sale until the foreclosure sale date was too close to reverse. ( it was a mess and extremely painful and XXXX ) XXXX also had someone in the wings from Texas ready to purchase it at the foreclosure sale. The whole thing felt underhanded and fraudulent and I 've been the one penalized for the past five years. The house was foreclosed XXXX/XXXX/XXXX. XXXX XXXX continues to report the loan as open on XXXX and Equifax. I have contacted them multiple times in writing to report the account closed. It is STILL reporting as OPEN today when I pulled my credit report on XXXX/XXXX/XXXX. I was denied credit MULTIPLE times over the last several years due too much OPEN debt. I still can not qualify for a car loan or home mortgage. 
XXXX XXXX XXXX XXXX Bank have also reported XXXX loan as XXXX different accounts to the credit agencies. This has also happened to me by XXXX XXXX credit card. Attached are supporting documents and previous letters sent to XXXX Bank.
Dear XXXX, XXXX house was sold and my loan was fully paid on XXXX XXXX, XXXX. XXXX is remained in my escrow account. This refund amount has not been paid to me. I called the mortgage company many times and they state that check is issued but can not verify when or even whether the check was sent. Somehow, they are holding the check and not sending the refund check via mail.. 
It has been over XXXX months now, and still receive similar response and no refund check is sent. I can not speak with any supervisor on the line and they continue to repeat that the refund check is issued. However, we have not received the refund check.
on XX/XX/2018 I submitted a complaint with the CFPB about Transunion and the account XXXX   XXXX XXXX XXXX XXXX. I ATTACHED THE COMPLAINT WHICH IS XXXX AND TRANSUNION RESPONDED TO THE COMPLAINT,,, THEY RESPONDED ON XX/XX/2018 STATING THAT ACCOUNT I DISPUTED DOES NOT CURRENTLY APPEAR ON MY TRANSUNION CREDIT REPORT, YOU CAN SEE IN THE COMPANY REPONSE SECTION WHAT TRANSUNION STATED AND I CALLED A TRANSUNION REP ON XX/XX/2018 AND SHE STATED THE ACCOUNT ISNT REOMVED FROM MY CREDIT FILE,,, THIS IS NOT RIGHT TRANSUNION HAS REINSERTED THE ACCOUNT WITHOUT WRITING ME BY MAIL,,, THIS ACCOUNT SHOULD HAVE BEEN REMVOED FROM MY CREDIT FILE,,, I WILL SUE YOU TRANSUNION FOR THE NON COMPLIANCE,,, I HAVE ENCLOSED A COPY OF THE COMPLAINT SHOWING THAT THEY REPONDED STATING THAT THE ACCOUNT ISNT APPEARING ON MY REPORT SO WHY IS IT MY REPORT, THEY SHOULD HAVE TOOK THE ACCOUNT OFF ON -XX/XX/2018 WHEN THEY RESPONDED TO THE CFPB COMPLAINT,
I was offered a credit card over the phone about 10 years ago by Discover Card for about {$4000.00}. I was later referred to a debt collector who took me to court as I fell behind my payments whereby a payment arrangement of {$100.00} was agreed upon. 

I have asked the debt collector to consider writing off the debt as I have payed them towards or above {$10000.00} over the years, well in excess of the original {$400.00} credit card limit that they extended to me. 
Unfortunately, the debt collector have always declined this arrangement ; they actually indicate that my debt has increased from about {$400.00} to about {$16000.00} because of interest rates which to me seem utterly artificial or unfair.
Hi CFPB, I 'm writing in furtherance to my previous complaint  XXXX . Navient 's response did n't address my concerns. I 've found out that when I make a payment that only {$2.00} goes to principle. Everything else goes to interest. I 'm  XXXX  now. I 've been making payments for a long time. I 've had my loans consolidated before and I do n't believe I was given accurate information on how this would effect the balance of my loans. They have not gone down at all. I believe that Navient failed to disclose the necessary terms of the student loans repayment and that the interest rate just resets itself. I can not keep making these types of payments. I think I 've been misled.   XXXX  Thank you for all your help!!
Bank of America has been charging me overdrawn fees for the last 4-5 years for at least 50 times during this period. I have two checking accounts and the same issue I have had with both accounts. You call customer service and they say they are legals fees associated with these accounts. They charge {$35.00} for each transaction and if you do n't fund you account in the next five days they charge you again another {$35.00} for each transaction. I have been a victim from Bank of America for this practice for the last 4-5 year.
I closed on my FHA Streamline Refinance at the end of XX/XX/XXXX with New American Funding. At that time NAF took 60 days of escrow. They stated they would be able to float the {$5200.00} that also needed to be applied to escrow. Prior to funding, I sent them a check in the amount of {$5200.00} to be applied to escrow and it was debited from my bank account on XX/XX/XXXX. 
All was well until I received an unpaid tax notice for my county taxes around XX/XX/XXXX. Why were these not paid is due to the company did not pull a recent tax cert but used one that was pulled at the time of application a month prior. I immediately called and it took a month to get my taxes paid and the issue resolved, I have emails of them admitting fault to this as well as them absorbing any and all fees that were related to the latency. 
I thought all was taken care of until I received a letter XX/XX/XXXX stating my escrow had a shortage and my mortgage payment was going to increase by $ 300-400 per month to repay the shortage. The reason for the refinance was to lower my payment not increase it by hundreds of dollars. 
I called on XX/XX/XXXX to resolve the issue and a gentleman with the escrow department ( very very helpful ) researched and did all he could. We found that only {$1100.00} was allocated to my escrow at closing ( 60 days worth ) This was out of his job grade and he had to escalate. I waited for two days for someone to respond and nothing. I then called yesterday XX/XX/XXXX and spoke to a customer service agent who then escalated. This customer service agent stated that there were notes that it was being researched and I spoke to another specialist on the XX/XX/XXXX that was working on it. That XX/XX/XXXX conversation never took place. I received an email the evening of the XX/XX/XXXX from the Director of customer service stating she is now researching and will get back to me when she has a response and has researched. 

Several violations have taken place here within RESPA guidelines and I am sure you CFPB is aware. 

Bottom line is ... I have no urgency from New American Funding to get this resolved. 

My {$5200.00} that was to be applied to my escrow is missing. They now state I have a shortage. Where is my money? I just want that amount applied to my escrow and this would all be resolved. 

Taxes were not paid at closing which is a violation. I would have never escalated this to the CFPB other than the fact that I have no urgency from them. Being in the XXXX XXXX   myself for many many years and fully understanding RESPA, TRID REG B etc, I am shocked that a mortgage company would act in this manner and not provide some sort of resolution for their borrower. 

Another note ... The CD and LE do not match even after I brought it to their attention which may be another reason I escalated this company.
On XX/XX/2016 went to XXXX store on XXXX XXXX XXXX, XXXX, TX XXXX their number is ( XXXX ) XXXX. I took my Serve card to withdraw money from the XXXX XXXX atm at XXXX. When I tried to withdraw the money and put in all my information, the atm did not dispense my the {$140.00}. So I called the number for the atm they told me to file a complaint and the money would be credited since i received no money from the atm. An employee at XXXX named XXXX informed the atm merchant that this was not the first time they had issues with the atm and they needed to get it fixed. So I called american express serve at XXXX. I spoke to a representative who i explained everything and was no help at all. She kept putting me on hold then transfers me to a supervisor. I explained to the supervisor what happened and i never received the money or receipt from the Atm yet the amount was deducted from my account also with a fee of {$2.00} for using a atm. I then received a email from american express on XXXX XXXX that it would take 10 business days for them to investigate. That they will send me another email within 10 business days with more information whether they be able to credit me. 
On XX/XX/2016 at XXXX I received a email requesting more information that they needed it with in 10 business days. At XXXX XXXX XX/XX/2016 i received a email saying they are not going to credit the amount I never received on XX/XX/2016 for XXXX plus the XXXX service charge fee.
i was sent to National Credit Systems collections for XXXX $ for 60 days of rent. even though i only failed to notify my ex-landlord XXXX XXXX 20 days before my leave. another thing those XXXX XXXX never returned me my deposit back and never explained to me why they didnt. i tryed to explain them that i was a victim of XXXX XXXXXXXX and a single mother and as soon as i found something i rushed to move out. especially for 5 months i paid them more. also i tryed to work for failing to notify them only 15 days because i did so 5 days ahead. their agreement also was saying they would keep the deposit OR one month rent. they kept both. people from collections dont return my calls, never showed me anything proving i have to pay for 60 days. because of them im not able to rent apartment and my name is spotted.
Hello. I am looking for someone that will help my husband and I with the atrocities that have taken place in our lives over the past 10 years. First, it started with XXXX. We got behind in our payments in XX/XX/XXXX and they took advantage of our situation and I have the documentation that shows they applied our extra payments to escrow and looks like possible forced hazzard insurance was put on our mortgage, even though we had regular monthly insurance. Second, in XXXX XXXX, we took out a second mortgage with XXXX, under the terms of 9.8 % interest for 10 years.. The payment was {$140.00} a month and our yearly taxes, we took a tax break of roughly {$90.00} a mo in interest. In XXXX, we had to file bankruptcy because we could never get caught up with XXXX and got behind with XXXX. We continued to pay XXXX but was later told it was a daily simple interest loan and since we got behind, the rate went up to 15.99 % .. When asked for the XXXX documents, they sent us what looks like falsified documents- making it look like we agreed to paying 15.99 % interest for 15 years!!! 
During this time, we still continued to pay but was unable to find a way to get out of this loan bc of the bankruptcy that was filed thanks to XXXX. XXXX and XXXX sold our loans to other servicers. XXXX sold our first to XXXX XXXX XXXX and they " modified '' our loan after our bankruptcy discharge.. They also applied none of our payments to principal during that time and then put it back into the modification.. This was recently realized when I sat down and combed through the records. XXXX then picked up our home loan after that and the level of unprofessionalism and abuse we dealt with was ridiculous.. We even thought about foreclosing on the hone bc their bullying tactics were too much.. They sold to XXXX a few mos ago. As for XXXX, they sold to several and after we couldnt get a straight answer on the account, we quit paying.. We basically still owe what we took out in XXXX. In XXXX, my husband recieved a call from a man namd XXXX from Shellpoint, saying the account has basically aged out and that they wouldnt be charging any interest and then said that they werent persuing it. Then sent us a setttlement offer for {$3700.00}. At the time, we couldnt afford that, out of pocket. 
Recently, my husbands credit has become much better and we were in the middle of a refinance. The issue of a lien being held by XXXX is still on the house. XXXX XXXX asked us to see if they would settle. My husband asked them for a settlement and the guy said the same amount and then when my husband said we were using a refinance to pay this back, he gave us literally FOUR DAYS to get the money, knowing we werent closing in four days.. Now his tune has changed and is saying we now owe them the full amount and can make monthly payments. We want OUT of all this predatory lending and Quicken has been working with us to try to help.. Shellpoint mortgage SERVICING is the only thing holding it up.. We need HELP! Tired of being XXXX by the unscrupulous mortgage servicers!
Filed a complaint against BSI XXXX 2016. Sent my payment in on XXXX XXXX, 2016, they alleged it did n't arrive until XXXX XXXX, 2016. I feel as though I am being penalizing for complaining. It does n't take 5 business days to post. Either someone held the payment or did n't check the XXXX XXXX on the XXXX. 

Secondly, I want to a full explanation of the {$350.00} fee charged to my account ( XXXX ) that they refuse to explain. I also want a full refund based on the reply given for the prior complaint. I do n't want a credit, I want refund.
I discovered XXXX XXXX/XXXX/16 that a charge of {$850.00} was charged to my Debit Account. I contacted Santander immediately while the charge was still pending. They told me then that there was nothing that they could do while it was still pending however they overdraft my account. The next day I call and they said they could not return my money for 10 plus business days, even though I had notified them when the charge was still pending. I have not charged over {$250.00} to this account and the charge for {$850.00} was made in XXXX and I live in XXXX. I strongly question if they have a fraud department because this charge would have been a red flag for most.
that this company has continual put this debt on my credit report witch i do not owe them that they have reported wrong dates and information that it is out of date and i have no debt with them
This is not a one-time or rare occurrence. As a retiree living on a fixed income, I try very hard to manage my online bill pay accounts from XXXX different banks, without incurring overdraft fees from my Bank of America account. They are gouging their customers with overdraft fees. When I use my online bill pay account with just B of A, their practice is to show my Availabe Balance as staying the same regardless of how many bills I authorize to be paid. This practice incurs multiple overdraft fees if I lose track of my real balance. I have incurred hundreds of dollars in overdraft fees from Bank of America. My XXXX and XXXX XXXX accounts immediately subtract a bill paid from the available funds in real time so I know exactly how much money I have at all times. B of A does not do as these other banks do. I believe B of A does this on purpose to earn as many fees, of {$35.00} each, as they can. Do I purposely authorize bill payments when I know my available balance is XXXX? Of course not. Should I keep better records? Yes, But I sometimes fail to remember the auto drafts for my home, auto, and health insurance companies. Does B of A know when I have direct deposits coming in? Yes they do. Should I close my B of A accounts? You betcha!
XXXX sent final bill to incorrect address. Is report XXXX on my report XXXX XXXX formally XXXX XXXX switched companies did not provide me with any new contact information or payment instructions ... reporting my payments late XXXX XXXX XXXX XXXX changed credit cards from visa to MasterCard mailed my card to a old address I used bill pay to make payment with old card number not aware of a change and my cc charged off I found out when collectors called. XXXX All of the companies above are refusing to own up to communication errors and fix my report
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against FCO. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
My name is XXXX XXXX. I am contacting you regarding a closed credit card account I opened with PNC Bank in XX/XX/XXXX. The purpose of this letter is to inform you that PNC Bank placed an item on my report, which is negatively affecting my credit score while I was, and still am, on XXXX XXXX in the XXXX. PNC Bank placed this negative item on my report and failed to remove it after the situation was resolved. I wrote letters to PNC banks escalation and credit report departments. I wrote letters to XXXX, XXXX, and XXXX reporting agencies. I paid XXXX XXXX XXXX to send letters to the credit bureaus to have them request the investigation in early XX/XX/XXXX to remove the 60-Day late payment XX/XX/XXXX listed on my credit report. 

In short, I was notified by PNC Bank in XX/XX/XXXX that someone was making payments towards my credit card balance and that this individual had been unknowingly making payments to my credit card account for the last 6 months because he thought he was paying his credit card account. I was confused when I heard this because I thought the automatic payments I set up had been deducted from my personal checking account on a monthly basis, which was not the case. In XX/XX/XXXX, I received a phone call from PNC outlining the circumstances and what was happening. PNC representatives told me I needed to make a payment of {$200.00} at that time in order to make my account balance current. The Bank apologized for the mix up, which, neither myself nor the other individual, were aware of for the 6 months this was happening. I then paid PNC Bank the {$200.00} and re-enrolled in the automatic payment program and the situation was, at that time, seemingly resolved. Though this situation was resolved, the Bank placed a 60-Day Late Payment effective : XX/XX/XXXX on to my credit score. This was a mistake PNC Bank made in confusing my account with another customer. 

My credit score was XXXX in XX/XX/XXXX and then it dropped to a XXXX as a result of this false report. I am asking you to provide justification for why that negative item is still on my report and to remove it immediately. Under the fair credit reporting act, please provide the reason you listed this negative item on my report and please remove this negative item from my report immediately. PNC Bank did not demonstrate clear permissible purpose in accordance with the Fair Credit Reporting Act before releasing my credit report. PNC Banks negligence and failure to correct the errors outlined above have adversely affected my credit score and prevented me from qualifying for a home loan. I respectfully request your immediate assistance to rectify this situation. Please contact the data furnishers and investigate this problem and remove the negative item. I will take no time in detailing the second and third order affects my fair credit score has had on my financial health as a result of this inaccurate report.
I have had a XXXX ( mental health and physical health ) starting in XXXX. In XXXX XXXX of my Doctors ( XXXX XXXX XXXX XXXX stated that I was likely fully XXXX. In XXXX XXXX I was ruled by an administrative judge to be 100 % XXXX and eligible for Social Security XXXX. Veterans Legal Aid in XXXX XXXX Florida ( XXXX XXXX, XXXX. XXXX contacted these all of the federal student loan agencies but they have refused to discharge the loans as required under the law. The continued marking of my credit report as delinquent and and the large balance owed vs my poverty level income from Social Security XXXX leaves me very vulnerable to being unable to renew my lease in XXXX as these directly impact credit scoring.
On XX/XX/XXXX, I deposited a check for {$5000.00} into my personal checking account. It was nearly double the amount I had in that specific account. Rather than holding this and or checking to see if the check was legitimate, Fifth Third Bank made those funds available almost immediately. The next day, I was able to spend the full amount of need be. In order to fulfill my job obligations, I had to transfer almost the entire check amount into a work associates account. I didnt realize until after this transfer was made that this work associate May not trustworthy. I immediately drove back to the bank ( within two hours of initiating the transfer ) to cancel the transfer. Fifth Third said they would do everything they could to cancel it, but said it may not be possible. I personally dont feel they tried their hardest to stop this also. After notifying them of possible fraud, they looked up the check I deposited for {$5000.00}, and within minutes, they were able to tell the check was a fraud. I feel as though they were negligent, lazy, and if they had a better process for depositing checks, this fraud would have never happened. 

This same day, the XXXX, I called Fifth Third headquarters and notified them of the situation. A representative I spoke to at approximately XXXX notified me that the issue was not my fault and that the branch shouldve held the check before depositing the funds into my account. Now, Fifth Third is saying the problem is my fault. Theyve already penalized me for this and have taken {$5000.00} out of my account because the check bounced. 

Fifth Thirds policy for depositing checks negligent, and customers should not be penalized for other peoples lack of funds. The checks should be verified as legitimate first before depositing them into any account.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX contacted me about an alleged debt. I responded with a debt validation letter requesting several items. They sent me two of the things I asked for. I responded telling them that they did not provide what I asked and that if they did not provide it, I would assume that they did not have the right to collect on it. They did not respond. Instead, they sued me. I know they are currently barred by the CFPB in regard to filing suits in which they do not have proper paperwork but yet they are still doing it.
I've had an auto loan with XXXX XXXX XXXX ( XXXX ) with a retail installation date of XX/XX/XXXX. Since XX/XX/XXXX, I've been timely and consistent with my auto loan payments of {$530.00}. This account/contract reached full term in XX/XX/XXXX with a total payoff remaining balance of {$7400.00} ; principal balance of {$7200.00}, accrued interest of XXXX, and other fees and charges of {$150.00}! I was notified via account statement that this payment was expected in full by XX/XX/XXXX. Being that my wife and I could not make the substantial payoff payment, we entered a Renewal/Reschedule contract in XXXX. We were informed not to proceed with the regular schedule payments due to the fact that the date and renewal monthly payment amount would change. I inquired if the changes would cause any blemishes on our credit report and was informed that it would not. It did not reflect negatively for XXXX, but unfortunately my credit report is indeed reflecting a late payment in XXXX.