WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted the company Credit Protection Association in XXXX Texas and paid them the amount owed per their contract with the original creditor XXXX in XXXX Florida. I am currently purchasing a home and asked them the supply a letter stating the account is paid in full. After contacting them several times over the last three weeks beginning XXXX XXXX, they stated will take 24-48 hours to update in their system. And I will receive a letter in two weeks, when I moved out of my apartment on XXXX XXXX, I still had not received the letter. 
I contacted them again on XXXX XXXX @ XXXX EST and they still have not supplied me with a letter stating the account is paid in full. 

I spoke with the Floor Supervisor, XXXX, who puts me on hold and 22 minutes later, tells me they emailed me, but than states she wants me to give me the name of the lender with my personal information and they will call them. 
I stated I would like the letter they promised when I contacted them on XXXX XXXX.
From the very beginning I had discrepancies with Select Porfolio Servicing Inc. with regard to my escrow account. XXXX sold the account to this company in XXXX XXXX. Although there was a surplus in escrow when the account was transferred, I never received payment or a refund of the over payment/surplus. Instead in the month of XXXX XXXX, I received an escrow analysis alleging a shortage of {$79000.00}. A second escrow analysis was conducted in XXXX of the same year, two months later alleging a shortage of & {$560.00}. Is it not so that an analysis should be conducted only once a year? Be advised, I always paid more than the mortgage payment amount from $ XXXX {$100.00} with instructions, & monthly calls to deposit the overage into escrow in an effort to avoid these outrageous projections. In XXXX of XXXX, I received another escrow analysis but this time there was an overage/surplus in the amount of {$540.00}. This amount was refunded to me. However, there was an adjustment of {$460.00} credit due to a Home Rebate benefit which affected the escrow account. Needless to say this overage was not included with the {$540.00}. Instead Select Portfolio kept the over payment again. Notwithstanding, I continued paying more than the required mortgage payment amount to escrow with an expectation of a refund due to the surplus. XXXX XXXX I received an escrow analysis alleging a shortage of {$680.00} due to these outrageous projections. I became furious with regard to these bogus projections. I sent XXXX letters, numerous phone calls relinquishing Select Portfolio responsibility in paying my taxes and home owners insurance. I spoke with several Representatives ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX and other employees ) of the company with regard to my escrow account and or this transaction and the balance of escrow in the amount of {$4200.00} to be sent to me. This amount was confirmed by their Representatives and my records. However I received a check in the amount of {$2700.00}. This company shorted me by {$1500.00}. Select Portfolio may have changed their name but they continue their corrupt behavior of Fair Banks. I believe not only does this company keep & conceal the customers surplus in escrow, they are making the customer 's mortgage payments uncomfortable so the customer looses their property or home to the mortgage company. I have taken responsibility to pay the taxes & home insurance. I would like this company to do the honest, legal and moral act in returning the amount owed of {$1500.00}.
When I was underpaid and struggling to pay my loans from Fall XX/XX/XXXX to XX/XX/XXXX, Navient repeatedly encouraged me to take in school forbearances rather than giving me income sensitive repayment options. Forbearances were simple and could be approved over the phone and were pushed by the Navient employees. As a result of these forbearances, tens of thousands of dollars of interest became capitalized and I am paying much more for much longer than needed to be the case.
American Express refuses to comply with the Fair Truth In Lending Act. This may look like a duplicate complaint, but it is the only way to update you on the facts. American Express is absolutely refusing to show and substantiate charges on our account. They also paid an unauthorized charge. This amount we know and can clearly see on the original statement. But there is {$1300.00} in additional charges on our account that show no line item corresponding charges anywhere and which American Express refuses to substantiate. They also refuse to honor our dispute and threaten us with credit reporting. I have explained to them that they need to honor our dispute and to prove to us the charges we can not see on any statement or combination of statements beginning in XXXX 2013. We pay this account in full each month for all line charges we have actually made. We run a spread sheet and check it carefully to make sure the numbers are correct. We are trying to do the right thing. It is time for American Express to do the same. I believe there is fraud on this account that American Express needs to investigate.
Creditor ( XXXX XXXX ) hired lawyer ( XXXX XXXX XXXX, Georgia ) to garnish bank acct. for payment of credit card debt. On XX/XX/XXXX. They had court order due to winning suit. They took everything, leaving me {$0.00} to live on. Frozen acct. I have made repeated calls explaining I am unemployed since XX/XX/XXXX, am a senior citizen, needed to purchase My medications desperately., and all monies in bank were from IRRA! Please help me! I have been without meds, gas, or XXXX cent for one week! All attempts to call attorneys and My bank have been wasted time. No one cares..Please help me! I have had 2 borrow 5 days worth of medication, and can not pay my pharmacy back,! Please, please help me. I am confused, and feel like I'm taking one step forward and 3 steps back! I can not neglect My health any longer.XXXXXXXX XXXX  XXXX does not return calls. 1 of the Agents I spoke with Told me, " it's a done deal '', nothing can be done about it ''! XXXX XXXX ) When asked for administrative contact name and telephone, she hesitantly gave it, but added, " She is NOT going 2 do anything about this ''! Called many times, left message that matter was EXTREMELY important on XX/XX/XXXX, and/or XX/XX/XXXX.No response!! The " hold '' button at this law firm is unbelievable! 
I have spent many hours of what I feel has been wasted time. I need someone who cares about humanity! Do your job, but show empathy. I try to remain calm, but My heart races and I cry uncontrollably! I have no one to help. I am not asking for pity, just help in attaining My IRRA money.i WILL find a job, and pay debts owed, but I NEED medications desperately. Please help!
My home was flooded as a result of Hurricane Harvey and I am living in a house w/ walls missing. My flood insurer ( XXXX ) issued my wife and me a {$15000.00} check as an advance on my dwelling claim to help w/ emergency repairs. I sent the check to TIAA-XXXX ( XXXX XXXX XXXX ) my mortgage company over a month ago for endorsement so I can start the repairs, but they subsequently transferred my loan to EverBank. This was back on XXXX XXXX, 2017. I have made several calls to both TIAA-XXXX ( XXXX ) and EverBank. XXXX 's Loss Draft Department told me on  numerous occasions that the check was sent to TIAA Corporate, so they can send all information and files related to transferred loans, including insurance checks, to EverBank. Recently XXXX advised me that the check was cashed by XXXX but XXXX refuses to release the money to me or EverBank, meanwhile I ca n't get funds to pay my contractor. I pay my mortgage payments religiously through ACH debit, so there is no reason for XXXX to withhold the $ XXXX or take so long to send to funds to EverBank. How XXXX can cash a check that required my wife and my endorsement and then keep the funds w/o giving them to EverBank is beyond me. I guess a big financial institution is allowed to take a consumer 's funds for over 30 days, earning interest on it while the consumer is struggling to fix his house after a natural disaster. We live in a XXXX XXXX where things move quickly and I still do n't understand why XXXX is not required to act more quickly, allowed to cash a check w/ my wife and my name on it w/o telling me, and literally tell me nothing during this process, requiring me call them almost every week to find out what happened to the $ XXXX check from my insurer. PLEASE HELP!
I completed my XXXX XX/XX/2008. Since my 10 years For loan forgiveness is coming up I submitted some Documentation from hr supporting the length Of time I had worked as a XXXX. 
I got a reply from the dept of ed stating my loans did n't Qualify. I began looking for a better loan rate Because navient said I could n't lower my rate. 
I was about to refinance my loan with a private company with a lower apr Then navient gave me the number to the dep of ed When I called the dept of ed, they walked me through the application and lowered My monthly payment. I called navient back and the y told me that per dept of ed rules I have To wait ten more years for loan forgiveness. I explained That if I knew I had to apply to qualify I would have done it immediately after graduating They said that it was the dept of ed rules and sorry. They are freezing my payments while my loan forgiveness application is pending. 
Approx 2 months. It seems that they deliberately did not tell me about applying for The loan forgiveness until I was about to transfer my loans from navient to a private lender. 
I do n't feel I sgould have to wait more than ten years for loan forgiveness. They also advised me to take a foreberance on two occasions. I feel taken advantage of and deceived by navient
XXXX XXXX XXXX , XXXX. sent a " XXXX XXXX XXXX '' notice on XXXX/XXXX/XXXX for a settlement agreement which I replied to on XXXX/XXXX/XXXX. I called and gave my XXXX XXXX XXXX XXXX information for the full settlement payment of XXXX from the $ XXXXon acct no. XXXX. On XXXX/XXXX/XXXX, I received a notice from Alpha Recovery Corp for the same account attempting to collect the full amount. I called XXXX and the representative stated that the account was settled but then referred me to their account support but gave me a different account of XXXX to refer to. The rep from the account support stated that the debt was not resolved because of a bad check which was inaccurate because the fund were available per my bank statements. Now, two years later, Alpha is attempting to collect {$460.00} and threatens to obtain a judgment when the account was agreed and settled.
Equifax is reporting a XXXX account for {$690.00} at XXXX XXXX account for XXXX and the XXXX XXXX account for {$270.00} also XXXX  is reporting the same things I have called Equifax multiple times and they have refused to fix the problem
Due to the way Paypal manages their accounts it 's not entirely clear which country your Paypal account is tied to. In my case my original Paypal account was not tied to the US and when I received funds ( ~ {$1600.00} ) into this account I could n't withdraw them without having to pay a transaction fee of about {$65.00}. When I contacted Paypal I was advised to transfer these funds to my US based Paypal account after which the transaction fee would be reimbursed. 

After making this transaction Paypal refused to reimburse the transaction fee and after talking to a handful of Paypal representatives and not getting anywhere I decided to file a complaint with my credit card company as I used my credit card to pay for this transaction. 

My credit card company ( XXXX XXXX ) was able to get my transaction fee back from Paypal but as a result the funds I originally transferred were nowhere to be found. XXXX XXXX only received the {$65.00} transaction fee while Paypal 's official description of these funds is that they were in " limbo '' ( I have an audio recording of a Paypal representative stating this ). 

My Paypal account however shows my current balance to be in the negative for this exact amount so I am personally on the hook for Paypal 's systems losing this money. After talking to Paypal for at least a dozen times I have n't been able to get this resolved. To make matters worse, Paypal has now given this account to a debt collector for follow up. 

I am not sure what to do here as I have n't been able to find somebody at Paypal who is willing to accept responsibility and take the time to resolve this in the right manner.
HI MY NAME XXXX XXXX XXXX XXXX IM BANKING WITH BB & T BANK FOR OVER 2 YRS I DEPOSIT CHECK TO MY ACCOUNT MY EMPLOYER CHECK I DEPOSIT THIS CHECK TO MY ACCOUNT REGULAR BASES NEVER RETURNED ACCIDENT HAPPENED ON XX/XX/XXXX WHEN I DEPOSIT CHECK EVENING THE NEXT DAY THEY PUT HOLD ON THE CHECK UNTILXX/XX/XXXX I WENT TO THE BANK ASK FOR HELP TO RELEASE THE FUND THE BANKER ANSWER WAS YOU HAVE TO HAVE SIMILAR AMOUNT OF THE MONEY SHE SAID SORRY WE CANT HELP YOU AND ON THE XX/XX/XXXXTHE FUND WAS NOT AVAILABLE I CONTACT THE BANK AGAIN THEY SAID NOTHING WAS PROCESSED FRIDAY AGAIN SORRY WE CANT HELP YOU AND TODAY XX/XX/XXXX THE BANK CHARGE ME WITH XXXX DOLLAR OVERDRAFT FEE CONTACT THE BANK ASKING WHY YOU CHARGING ME OVERDRAFT FEE THE ANSWER IS YOU FUND WAS NOT AVAILABLE ON THEXX/XX/XXXXI 'M SEEKING JUSTICE FROM YOU TO HELP TO GET MY {$72.00} FROM BB  & T
I have an auto loan with Santander Consumer USA bank. I have sent in my payments, but unbeknownst to me, the payments were returned. I was not aware of this, nor have I received any calls or notices from Santander regarding this. I sent in a payment with a letter requesting that I be able to pay half of the {$530.00} in 2 monthly payments, on the XXXX and XXXX of every month because {$530.00} taken in one chunk was really hard for me. I did not hear back from Santander with regards to my request. I sent in my payment of {$260.00} on XX/XX/XXXX and a couple of days later, my car was repossessed. I then called Santander and was told that they do not receive any correspondences as the payments go to a different department so any correspondences attached to the payments are not forwarded to the correct department. I sent in another letter, this time to their main address informing them I had submitted a payment and a letter and that I would like them to reconsider auctioning off my car and accepting my request to split the {$530.00} payment into 2 payments. The letter was sent to them on XX/XX/XXXX. It is now XX/XX/XXXX and I have not heard anything back from Santander. No response or phone call. I explained to them that I am the sole provider for my household and that I am not trying to get out of making my monthly payments, but just simply splitting the payment into 2 payments per month. I also sent in a letter to them in XX/XX/XXXX asking for explanation of fees, however, they did not respond. I called the repo company that Santander hired to take my car, twice to ask if I can get my personal items out of my car, however, I did not receive a call back from them either. This was my only means of transportation and they have caused me a lot of stress. What kind of company is this, who does n't respond to their customers?
I file a case against XXXX XXXX. After filing my case against them they indicated they will be removing themselves off my credit report. Also, they would be sending a letter to all XXXX CRA to remove them off my credit report. This was done over a month ago. I am wondering why have n't this item has been removed from my credit report.
I Was not living at that apartment in that year or month..The sdebit have been charge it was well over 10 years ... The Apartment management Understood I was released to my ex girlfriend due to domestic legal issues..
According to XXXX XXXX. Goodbye letter attached to complaint XXXX, XXXX was servicing the loan and reporting to credit bureaus on behalf of XXXX from XX/XX/XXXX - XX/XX/XXXX. 

XXXX also mentions I would receive a new account number from XXXX  XXXX in the Welcome letter. 

For 2 years, I have not been able to pay the student loan. XXXX has not had my account as XXXX claims. This loan has consistently reported unpaid every month without my ability to pay XXXX or XXXX. 

XXXX, PLEASE PROVIDE THE WELCOME LETTER AND NEW ACCOUNT NUMBER FROM XXXX THAT XXXX SAID YOU WOULD SEND. ( See Goodbye letter from XXXX attached ) THIS WILL HELP ME TO SEE HOW THE CREDIT BUREAUS RECEIVED DEROGATORY INFORMATION MONTHLY FROM XXXX UNTIL NOW. 

XXXX, provide a statement or account history of my account that you serviced from XXXX.
The company sends out reminder emails staring my payment is on a specific day but the payment is taken prior to the date mentioned in the reminder email. This causes payments to bounce and overdraft fees in my account.
Select Portfolio Serving, Inc.has a scheduled foreclosure on my house XXXX XXXX, XXXX. The assignment being used is a robo signed by well known robo signers. XXXX XXXX  XXXX XXXX XXXX as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX cut of date for this trust was closed when the assignment was created, and conveyed. The Pooling and Service agreement states the all mortgages must be conveyed prior to the cut off date or closing date of the trust. This can be found in section 201 of the loan trust filed with SEC. Therefore, the assignment is fraudulent, and fraud can not be the bases of obtaining a deed. 
Select Portfolio, was in the process of restructuring my loan while in this process of modifying my loan they denied me for any type of work out. I advised the of the DUAL TRACKING LAWS. I asked them to stop my foreclosure and they refused. 

The final issue is they have not responded to my demand for debt Validation Proof of Claim, or QWR
I sent a letter to LenderLive requesting cancellation of my private mortgage insurance under the terms of the Homeowners Protection Act. I have reached my XXXX % LTV. LenderLive 's service rep confirmed on XX/XX/XXXX that they receive the letter on XX/XX/XXXX. They said they had 30-60 days to respond. It is now XX/XX/XXXX, the 60-day window has passed, and LenderLive has not responded to my request. What is my recourse?
XXXX ( previous complaint ). The case reference has probably been closed. However - the same people and Wells Fargo - We finally executed deed in Lieu of foreclosure - XXXX 2015. We got a deficiency notice of around {$46000.00} ( the property under-appraised ) The original Loan was # XXXX ( {$320000.00} )! So they advised that our property was worth a lot less .... however, we recently discovered the property is up for sale for {$330000.00}. Is this legal.. we had to consider the deficient portion as income for taxes ... Please advise on what we can do - they have destroyed our credit at this point. 

Sincerely XXXX XXXX XXXX
I received a letter dated XXXX XXXX XX/XX/2015 fro PRA LLC- attempt to collect a debt they bought in the amount of XXXX The letter said I had 30 days to dispute- which I did- I sent a XXXX letter dated XXXX XXXX ( receipt is attached ) stating- I wanted proof they were able to collect on behalf of this debt, I wanted validation of debt, and that the statue of limitations had run out on this debt in the state of Texas. I never received any response- It is now on my credit report. All documents are attached-
I have repeatedly disputed this information. They have not once provided me with any information verifying that the debt belongs to me. They have not furnished any signed documents or contracts.
I was offered a settlement amout of {$700.00} on a bill in the amout of {$1000.00} from XXXX XXXX, phone numXXXX, which I paid on XX/XX/XXXX. I have called them on these dates:XX/XX/XXXX, spoke with XXXX XXXX,XX/XX/XXXX, spoke with XXXX XXXX/XX/XX/XXXX, spoke with XXXX XXXX & XXXX XXXX XX/XX/XXXX spoke with XXXX XXXXXX/XX/XXXX spike with XXXX XXXX, XXXX spoke with XXXX XXXX XXXX they have all told me that I will be receiving my receipt for my.settlement payment of {$700.00}. To date I have receuved nothing but a bill for the remaining balance from XXXX XXXX ( which was their client ), that was the bill I owed to XXXX XXXX. All I keep getting is the runaround every time I call. I have also called XXXX XXXX and again I am getting no where. I 've been told by Convergent that the letter has been expedited and emailed to me. Every time I call I am being told give it 7 more business days. Can you PLEASE help me.
I opened an account with a bank in my home state so that my family and I could easily exchange funds while I am XXXX out-of-state. Since I receive my mail at my XXXX address for several months out of the year ( and since I was going back to XXXX shortly after the account opening ), I listed my out-of-state XXXX address on the account application. Despite this mailing address, I am STILL a resident of my home state, and I have an ID from my home state. This information was documented on my account application. 
I was hoping to receive a new account sign-up bonus from this bank, which stated that only residents of X states ( including my home state, but not including my XXXX state ) were eligible for the sign-up bonus. Since I am a resident of my home state, I am eligible for this bonus. I completed all other requirements of the new account bonus promotion, but the bank refused to give me the sign-up bonus, saying that I am ineligible because I used my XXXX mailing address on the account. I want this bank to be penalized for their deceptive marketing and unfair customer service.
I called trying to get a loss mitigation option to short sale my property. I litigated through my attorney the foreclosure. I believe that the mortgage was not properly foreclosed on in accordance with the laws XXXX XXXX and XXXX. I personally feel that the investor lack standing to foreclose. They do not have a original mortgage note properly endorsed to them. 
The law firm that prosecuted my foreclosure did not send their motion for judgment of foreclosure to my attorney of record. This is the fact even though my attorney was on record as my representative. The judgement of foreclosure was granted with out opposition. 
I had some contact the XXXX XXXX XXXX XXXX on my behalf requesting a short sale to avoid the foreclosure. After being told to call back with proper authorization they were told that the investor does not do short sales. Moreover that after the sale the lender would give {$6700.00} for keys. Their would be no consideration of a deed in lieu or other loss mitigation option. 
I believe that they refuse to accept any other loss mitigation option because they are aware of the violations of my rights in the mortgage recovery proceeding and wish to clean it up by sale.
I HAVE ADDRESSED SEVERAL ISSUES WITH EXPERIAN THEY HAVE NOT REMOVED FRAUDULENT INFORMATION FROM MY CREDIT FILE THEY HAVE REMOVED THE ACCOUNTS SEVERAL TIMES AND HAVE NOT CONTACTED ME THAT WITHING 5 DAYS THAT IT WAS REINSERTED IN MY FILE
Optimum Outcome, Inc. a debt collector keeps harassing me and calling. I 've told them prior to XXXX 2015 that I could not pay the debt and I am currently on XXXX. They have continued to call even though I blocked them on my cell phone, they are still able to leave a message on my voicemail. The calls that I still have logged are from XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, and today, XXXX/XXXX/15 at XXXX p.m. I do not need this stress while on XXXX and XXXX.