WillisBack/dataset-financial-user-claim huggingface dataset:
Ocwen is my mortgage company. every year they give me an escrow disclosure statement. These are projected escrow payments that they keep low balling me on. They underestimate the escrow payments then at the end of the year, they want me to send them a lump sum of money to keep my mortgage payments the same. This year, we overpaid my property taxes and I have a refund of {$1100.00} which I have filed the paperwork to get back. I have a homestead exemption, a senior exemption and a senior freeze. My mortgage company has estimated that I will be short by over {$2000.00} and they want me to pay them that lump sum. I called them to complain so the recalculated the " estimated shortage '' and now they want me to pay XXXX. They gave me a refund from Last years estimate so I paid an extra {$40.00} to my mortgage payments so I wouldn't be short but low and behold, this is when they say I'm {$2000.00} short. I want them to stop playing with my mortgage payments with these escrow estimates that are never right and they are always asking me for a lump sum of money. These are projected escrow estimates that they are basing my mortgage payments on. By the way, I wonder why my PMI payments never get any lower?
I have a rental debt on all 3 reports. XXXX recently removed the debt XXXX/2017 because it has been 7 years however TransUnion states the date for their removal is XXXX 2017 and XXXX stated the date for their removal is XXXX 2017. I am very confused if there is only one original delinquency date as reported by the creditor, why does the 3 bureaus report different dates.
This is in regards to PMAB LLC. You responded to a complaint i had made and your comments back to the complaint through CFPB was that you closed the account and deleted it from my credit reports on the XXXX of XXXX. I then responded back saying you deleted it and re added it to the credit files. I have the proof to show it and I'm tired of the CFPB just taking your word for it instead of actually looking into it. Delete it from my Credit files.
I applied for a Bank of America account XXXX XXXX 2016 in the branch and was told that initially my account was denied because I was in XXXX. I brought a letter from XXXX XXXX Services proving the account listed was fraudulent and verified as not mine. The branch manager called risk management and overrode the system and gave approval for me to open checking and savings. I deposited {$25.00} to each to open. The very next day, the accounts were closed because of XXXX so I went back in to the branch and so began a month long journey. First I was told it needed to be escalated to the Marketing Managerr XXXX and that I would be able to open it in a few days. Called back and was told he approved it and risk management overrode him and refused to open the account. I called risk management and was told that there was an issue and they would not override the decline and needed the marketing manager to approve it again. I called the branch and was told by XXXX that she was emailing him for an answer. This went on for two weeks and no one ever had an answer for me. I 'm still going back and forth between risk saying its the marketing manager and the manager saying its risk who wo n't approve the account
ON XX/XX/XXXX AN OFFER WAS SUBMITTED FOR A SHORT SALE IN THE AMOUNT OF {$600000.00}. this WAS THE RESPONSE ASKING FOR A HIGHER OFFER BASED ON A DRIVE BY APPRAISAL NOT GIVING ANY CONSIDERATION TO THE ACTUAL CONDITION. ( I am the negotiator for the first lien on the above referenced property, and I have reviewed the offer received from XXXX in the amount of {$600000.00}. Please be advised a written counter offer letter was sent to the Seller XXXX XXXX ) with the following information. 
At this time, the offer received does not provide sufficient net proceeds to be able to accept the short sale offer. Please reach out to the buyer 's agent and counter to the XXXX amount of {$860000.00}. We will need to obtain an executed addendum and XXXX reflecting the counter offer no later than XX/XX/XXXX to continue the review. If you are unable to obtain the amount above please submit the highest and best offer from the buyer XXXX XXXX ) so that we can make our final decision. Please be aware that an offer below the amount above may result in a decline of the short sale. Please be advised that a full appraisal was completed in XX/XX/XXXX and the full value came back at $ XXXX. A recent desktop appraisal was completed on XX/XX/XXXX and the value came back at $ XXXX so the offer of $ XXXX is pretty far off from the current value we would like to see an offer closer to the $ XXXX based off of the full appraisal value. ) ON XXXX A NEW INCREASED PURCHASE OFFER OF {$670000.00} WAS SUBMITTED INCLUDING THE MOST RECENT COMPARABLE SALES ( SHORT SALES/ FIXERS ). AT WHICH TIME THEY SENT AN INDIVIDUAL WHO HOLDS NO INSPECTION CERTIFICATION OR APPRAISAL OR CONTRACTORS LICENSE TO DETERMINE IF THE DAMAGE WAS SUFFICIENT TO REQUEST A NEW INTERIOR FULL APPRAISAL AND NOT A DRIVE BY OR SUBJECT TO VALUE AS THOSE VALUES ARE BASED ON MARKET CONDITION HOME SALES. THE INDIVIDUAL WAS GIVEN A COMPLETE PACKET INCLUDING AN INDEPENDENT APPRAISAL, HOME INSPECTION, XXXX REPORT AND CONTRACTORS ESTIMATE OF REPAIRS INCLUDING PHOTOS AND SHE DENIED THE NEW APPRAISAL AS SHE FELT THE PROPERTY WAS IN GOOD CONDITION?? I AM TODAY RESUBMITTING THE PURCHASE OFFER FOR A SECOND TIME AND AM EAGER TO SEE WHO THEY SEND OUT THIS TIME ( A LOAN XXXX? ) THERE IS A SALE DATE SCHEDULED FOR THE XXXX OF THIS MONTH SO I WILL WAIT AND SEE WHAT EXCUSE THEY GIVE OR COUNTER WITH. I HAVE BEEN NEGOTIATING FOR SEVERAL YEARS AND HAVE NEVER HEARD OF A LENDER SENDING AN UNQUALIFIED PERSON TO GIVE AN OPINION AS TO WHETHER THE HOME MEETS THEIR STANDARDS FOR A SHORT SALE OR A NEW UPDATED APPRAISAL. I FEEL THAT THIS WAS A COMPLETE WASTE OF TIME TO HAVE BEEN DETERMINED BY A HIGH PRICED SECRETARY WHO ALSO STATED THAT SHE HAS BEEN PERFORMING THIS SERVICE FOR MANY YEARS. I WONDER HOW MANY HOMES SHE HAS CAUSED TO GO INTO FORECLOSURE SALE WITH HER NON ACCREDITED OPINIONS. WELLS FARGO HAS HAD MANY ISSUES BOTH PAST AND PRESENT REGARDING FAIR PRACTICE AND I FEEL THAT THIS SHOULD BE LOOKED INTO.
i filed a claim for fraud activity on bank account, my claim has gone unresolved ... .even though YOUR rep told me this is an error on your end. He gave me a " Memo Credit '' but it doesnt mean anything. its just a pending transaction ... ..we have been ongoing for more than a week now, and everytime someone says they will call me back.. none of that has happened, i will be going on vaction this friday and i am out {$870.00} that was fradulantly stole from my bank acct. i have spend more than 6 hours now of my time in the past week dealing with this, and being told this is your fault and not sure why i havent received my money back. i am NOT HAPPY with chase bank, and am disappointed ... .because until this situation, i praised Chase Bank ... .i will be taking my money elsewhere when this is resolved. have filed a complaint with the BBB as well.
I purchased furniture at XXXX XX/XX/2015 via XXXX XXXX mos. no interest if paid in full in 12 month 's. I rec 'd a letter in the mail on XXXX/XXXX/2015 from XXXX XXXX stating that the acct. was charged off and sold to XXXX XXXX XXXX. Company as a collector. I never once rec 'd any bills, phone calls, emails from XXXX 's or XXXX Bank prior to account being sold. When I rec 'd the letter, I called XXXX 's and XXXX, neither were willing to help me. 

I had absolutely flawless credit until this. I had no intentions of not paying. I was not given the opportunity to pay. I am very upset after 34 years of excellent credit to have this happen. I would like to see this issue resolved Fairly without damage to my credit.
I have been out of country for three years. I returned to US in XXXX of 2015. Late XXXX, early XXXX I got a credit report from Experian as I was applying to rent an apartment and wanted to know my credit rating. Subsequently I have been getting these emails from Experian notifying me of changes in my credit rating. I have been ignoring these emails because when I open the email and click on the link it asks me for a user log in. I do n't have an account. And if I did have an account I do n't know my user login. Life has settled down a little bit and last night I decided to spend some time on this. Then I read the e-mail more closely. In very fine print it informs me that they are deducting XXXX dollars from my account monthly for this service and that I got seven days free and was automatically signed up for this and that I had to take steps to cancel the membership. I never sign up for this and did not think it was applicable. But then I check my bank account. Sure enough these slime balls are deducting money from my account every month. This has been going on since XXXX. This is fraud. It is dishonest and I have no interest in their service. I want my money returned. I want to file legal charges against them.
My student loan was in forbearance last year and my first payment was to be paid XX/XX/XXXX. I have two loans that are to be paid on this date. One in the amount of XXXX and the second in the amount of XXXX. I scheduled with my bank for the payments to be sent on the XXXX of every month starting in XXXX. So on XX/XX/XXXX my bank sent the payments as scheduled. On XX/XX/XXXX I received a notification from my bank that a second set of payments were withdrawn from my account from Navient for the same XXXX and XXXX with then overdrew my account by XXXX. I went on my account with Navient and saw the account had been set up for autopay and my banking information was on the account. I never set up this autopay through Navient, I did not input any banking information nor did I authorize any autopay. I went to the bank and spoke with the branch manager and was told I can put a stop payment on the payment but I would have to incur a XXXX stop payment fee on each payment so it can correct itself. I also have to have the late payment affect my credit, when the autopay was never authorized in the first place. When I called Navient to speak to someone, I was just told by a recording the offices were closed until Monday at XXXX. If a business can take my money on a Saturday then they should be available on a Saturday.
I am filing this complaint against Experian because they are reporting information on a XXXX account # XXXX. They are reporting this account incorrectly and inaccurate they refuse to re dispute the account saying the creditor says they are reporting correctly the account. Experian is reporting the account as a business account when the account is being alleged by target as a personal. The first date of delinquency on the account on the letter directly from XXXX XXXX/XXXX/2009 which means the account is reporting past the FCRA allowed time. I need this account removed from my credit file immediately.
I am a USAA member. In 2014 after a divorce and layoff I ended up filing a Chapter XXXX bankruptcy.. I reaffirmed on my auto loan through USAA and never missed or was late on a payment. USAA failed to file the correct paperwork with the court which almost a year after my discharge date allowed the trustee to void their lien on my car and take my car. USAA then reported my account as a chargeoff and repossession, and locked me out of my accounts. 
It took me several weeks of phone calls and hours of hold time to finally get partial access restored. However, I still have no access to my Insurance or my retirement accounts. USAA said that this is because I filed bankruptcy, and there was a large sum of money they could not collect. The Bankruptcy is true, however, any lose USAA suffered is due to there failure file reaffirmation paperwork. I was paying the loan on time which my credit record will show, and would have paid the auto loan of as agreed. Furthermore, the restricted access and inability to access my accounts has cost me thousands of dollars in investments.
Today I pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a contract with this company and they have never provided me a service.
Jefferson capital LLC changed the open date on this account. I canceled XXXX XX/XX/XXXX that was my last payment ever made. The clock for the 7 year rule should have started counting then. The Jefferson captial changed the date to XX/XX/XXXX on my credit report. They have failed to work with me to change the date. I agreed to pay the {$220.00} if they take it off my credit report cause it has been over 7 years. This debt will be on my credit report for over 12 years I feel that is not fair at all. Is it illegal for a collection to change an open date on an account from XX/XX/XXXX which the last payment was made? Thanks for your help.
I have been paying my mortgage payments almost every time on time and in full since 2004. My monthly payment is XXXX and my interest rate is 8.250 %. I am having trouble paying my student loan and other payments. I had asked my lender Wells Fargo about the HARP program when I first heard about it, but they brushed me off. So I was delighted when I received some years later a letter from Wells Fargo asking me if I wanted to apply for a refinance with them involving HARP. I filled out the paperwork and sent faxes and emails and the XXXX reps I dealt with by email and phone seemed very responsive and assured me it would go through. There was nothing telling me that things were n't going well. Then I got a letter saying that my credit score was too low for them to take a risk. I had told them all along I was having trouble meeting my student loans and some other bills. That 's why I needed a refinance. Also I had been paying a higher payment for ten years to this very same company! But they did not take that into account, treating me like I was a new customer to them. Meanwhile I am still having trouble paying my student loan and credit card bills, and wondering what I can do. Not sure if anything can be done about this. But I can tell you I am not very happy with Wells Fargo. Yesterday, got another letter from them telling me " I could qualify for a lower payment through HARP!. ''
My wife and I both have checking accounts with Citibank. Citibank freeze our accounts for no reason. They do n't have office near my home. I call Citibank and sent letter to Citibank center. But they refuse to unfreeze our accounts. We have total {$3200.00} in the 2 accounts. Please help us to get our money back.
On my credit report it is stated that this account with XXXX ( line XXXX ) is " ACCT IN DISPUTE. '' This is not accurate. The account is not in dispute and has been settled and closed. There is no balance due. 

Experian needs to report this account as settled, closed and remove the comment about it being in dispute.
A XXXX XXXX was purchased in XX/XX/XXXX, the company who financed the vehicle is Whitestone Financial is located Address : XXXX XXXX XXXX XXXX XXXX, NC XXXX Phone : ( XXXX ) XXXX, they required a tool to be attached to the starter of the vehicle which would cause the vehicle not to start if I failed to make payments. immediately after the purchase the vehicle began to falter, failed to start. after a cost of over 1800.00 in repairs the vehicle, that seemed to appear in one week, the vehicle still continued to fail to start. I made every payment on time for a period of 18 months, still continuing to have starter problems. A number of calls were made to Whitestone as per the trouble with the starter, each time they failed to act or to address the problem. In may of this year XX/XX/XXXX, I traded the car off to the toyota dealership in XXXX, NC, and thus paying the car off in full. Whitestone Financial had not been reporting my payments to the credit bureaus, and after paying the vehicle off in full, the only action Whitestone Financial took was to report the account closed. No statement of accurate on- time payments for over 18 months, thus this has effected my credit score.
Sofi has ignored my request to stop sending me emails concerning refinancing of my student loans despite following the instructions they provided now XXXX times. XXXX times I have received " confirmation '' Sofi has removed me from mailing lists, but the emails keep coming. This has been ongoing for more than one week.
I requested of Global Credit & Collection Inc, all documentation concerning the debt, including ; A complete itemization of all principal, interest, and administrative charges. 
All documentation that defines and authorizes said charges. 
A complete and unedited copy of the promissory note and any other agreements or contracts. 

They failed to provide the information requested. What they sent reflected an amount due that contradicted previous amounts. 

On XX/XX/18, I requested the termination of calls to a particular phone number, and provided them a secondary number to call. GCC ignored my request when calling the first number on XX/XX/18, XX/XX/18, and XX/XX/18. 

In a phone message on XX/XX/18, and in two communications sent via the USPS, GCC failed to adhere to the FDCPA Mini-Miranda Disclosure, 15 USC 1692e 811 ( 11 ). 

As it can be speculated that Global Credit & Collection Corp. conducts collection activities similarly corporate wide, and that XXXX ( the original creditor ) has full knowledge of these business practices, I believe XXXX is culpable and should be held liable.
Apply for a loan arm XX/XX/2018 credit report should only been pulled once and was pulled three times Ace Cash Express
I initially had a personal loan and then they financed a car for me. I paid months in advance and was NEVER late. The former mgr, XXXX XXXX was wonderful and I was paid up until XX/XX/XXXX. So on XX/XX/XXXX, I made a double payment of XXXX, XXXX payments were XXXX through their automatic payment method XXXX, My balance at that time was XXXX and when I checked to see if the payments were applied, it showed my balance was XXXX. They only XXXX to principal. I called XXXX XXXX branch mgr in XXXX, AL to correct the problem and he has never RESPONDED. It still shows as only XXXX going to principal. I have asked for an audit of my account to no avail. 
Payment Entry Customer Name : XXXX XXXX Account Number : XXXX Contract Number : XXXX Last Payment Date : XX/XX/XXXX Last Payment Amount : $ XXXX Balance : {$2300.00} Regular Payment : {$270.00} Total Amount Due : {$270.00} Amount to Pay : To continue with your payment, please click " Continue '' below. 
To cancel your payment, please click " Cancel ''.
XXXX XXXX XXXX is reporting to the credit reporting agencies on a previously settled/paid debt with a different collection agency. XXXX XXXX XXXX ( XXXX ) is claiming to have an installment loan I previously had with Check n Go. This installment loan was previously sold to a different collection agency ; XXXX. XXXX XXXX XXXX is claiming to have said loan when the loan they are claiming to have was already collected and settled between XXXX and me. I settled with and completed payment in XXXX XXXX. A settlement was negotiated with XXXX in XXXX by XXXX ( XXXX ) and myself.. the first XXXX payments were made as follows by XXXX with the remaining made directly to them by me as the was a disconnect between the agencies. The total settlement changed from {$2000.00} to {$22000.00} due to the mix up in payments. 

XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$1000.00} XXXX/XXXX/XXXX {$500.00} XXXX/XXXX/XXXX {$450.00} I received a settlement agreement letter from XXXX dated XXXX/XXXX/XXXX for a total settlement of {$2200.00}. XXXX has no right claiming or reporting that I owe them, I have paid this debt and will not pay again on an invalid claim.
XXXX XXXX XXXX XXXX repossessed my vehicle in XX/XX/2017. I have made several phone calls to the company and ask them to send me a letter stating when the sold the vehicle and how much they sold it for and the balance of what is left on the vehicle. As of this date I have not received any information on the vehicle. I noticed they have it in my credit report owing car finance and flagship credit showing a balance of {$16000.00} and just increased the balance by {$400.00} more dollars. From the time they repossessed thy vehicle they never sent me no information on it. They never offered me a chance to get the vehicle back after they repossessed the auto or even made me aware of that it would be auction off. An even after they sold the vehicle they never in sent me nothing on how it was sold for or what is the balance after it was sold. I have called them to try and clear this matter up but they still wont send information out. I would like to clear this matter up with the company..
American express offered a promotion where I would receive XXXX bonus SPG points per cardmember that I referred. 

I referred at least 3 Cardmembers in XX/XX/XXXX and to date ( XX/XX/XXXX ) I have not received the promised bonus. 

I have reached out to American express about this multiple times and they haven't given me any answers, only telling me its under investigation
I ordered three pair of XXXX Stretch Skinny Pants in sizes 6, 8, and 10, on XX/XX/2018, Order # XXXX, ( my XXXX card was charged on XX/XX/2018 ) and three pair of XXXX  Stretch Skinny Pants, all of them in size 8, on XX/XX/2018, Order # XXXX, ( my XXXX card was charged on XX/XX/2018 ). The size 8 from the order on XX/XX/2018 fit well so I ordered three more XXXX Stretch Skinny Pants on XX/XX/2018 ; however, those three pair did not fit well so I returned all three size 8 XXXX Stretch Skinny Pants, plus the sizes 6 and 10 XXXX Stretch Skinny Pants via the USPS on XX/XX/2018, Tracking # XXXX and Tracking # XXXX. 

I checked the Tracking # s and the two return packages were picked up and processed by an agent on XX/XX/2018, but my XXXX card was not refunded. I currently have a XXXX balance because I had set up automatic payments beginning on XX/XX/2018, to pay my XXXX bill in full each month. I had ordered the Pants before XXXX announced via email that it was going out of business, and I had returned the pants to XXXX within 30 days of receiving them and XXXX had a very liberal return policy. I had returned items even three, four, or five months after I had purchased them, with no problems. 

I called XXXX to request my refund, I think in XX/XX/2018, but the person I spoke with said that the pants had been returned after the cut off for returns which I disputed because I had ordered the pants before the closing announcement and had never received notice that items had to be returned by a certain date. The person took my complaint and said I probably would not hear anything until the end of XX/XX/2018. I waited a little longer than that, hoping it would be resolved, but it still hasnt, so I am sending my complaint to you, in hopes that you will be able to get my money refunded to me. Thank you!
I sign on with ClearOne Advantage debt settlement program, XXXX. 2015. When I signed on with a rep name XXXX XXXX, I asked several questions about this program. In the conversation the questions asked several times if there will be a fee link to this service, 3 times I was told " we never charge a fee ''. Now I am being charge a XXXX % fee each time a creditor is paid. Then she indicated do no worry we will handle everything, contact creditors sure they are taken care of. They did not explain that in order for the creditors to be paid/settled that I had to " reverse '' money in order to start working with them. 
Now I am face with a creditor wanting to send me to collection because of their " false '' information.