WillisBack/dataset-financial-user-claim huggingface dataset:
I had a mortgage with Nationstar Mortgage that I refinanced with another lender on XXXX XXXX. Nationstar managed an escrow account for this mortgage, but has failed to return its balance to me. I 've called the company at least three times, most recently today, to understand what is going on without success. 
I 've spent hours on the phone with Nationstar only to receive inconsistent responses, making me question whether Nationstar intends to refund the escrow in a timely manner. Nationstar representatives claim that they used the escrow to pay taxes due to XXXX XXXX ( FL ) in XXXX. However, representatives at the county tax office as recently as today ( XXXX ) indicate that they have not received this payment ; they have, however, received the property taxes sent by my current mortgage servicer. 
Nationstar insists that it sent the payment on XXXX and that XXXX received it on XXXX XXXX and that XXXX will ultimately refund the money to Nationstar, which will then return it to me but without any proof of this story. Nationstar will not provide any documentation to prove that XXXX has the money and given XXXX 's denial, I have no reason to believe that Nationstar paid the taxes to XXXX in the first place. Nationstar tells me this will take weeks to months to clear up which I believe is unacceptable. The money should have been refunded to me immediately upon paying their mortgage in full.
i requested a copy of my entire file, including the notes made on my file in order to audit it, I believe that the fees I was charged at closing were not consistent with the actual amount paid to the agencies. After my first request, I was given only the note, mortgage, and cd ( which they referred to as the XXXX, obviously incorrect since I closed long after TRID ) I rerequested my entire file, asking to include everything pertaining to my loan with them, and I have gotten nothing. I am now locked out of my login for their website, which says it sending me an email with a secure code. The code takes about 8 hours to get to my email and then doesnt work. I have no access to review my file and I have not been provided the documentation I requested
The person who is attempting to collect debt from me claims they are working for the law offices of Robert A. Schuerger. They have not been very pleasant to speak to, Ive tried to pay them so much a month and told them I would be late on my payment for the month of XXXX and the debt collector was not nice about it. They have also called my employer at my old job and that employer as the one now, will not accept personal calls. I feel this debt collector may be pretending to be a lawyer. He tried to threaten me with court and also with trying to get more money out of me.
The following inquiries on Experian credit report was not authorized by me And I would like these inquiries to be removed immediately from my credit report based on the federal fair credit reporting act. 

XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX/XXXX XXXX- XXXX XXXX XXXX/XXXX- XX/XX/XXXX
I just clicked on a " gap '' credit card thru XXXX Bank service to see my XXXX score. Beginning of the year was low XXXX, there was an issue with a less than $ XXXX dollars XXXX balance on a XXXX when they switched cards or updated them. They Without my Consent Stopped sending Hard Copy Mail Statements. I did remember I had purchased a bed comforter on their XXXX Sale I think it was and XXXX day while checking my payments thought about it checked on line and Everything had changed. It was a very time consuming ordeal. They had also without my consent change everything to Spanish which I Do n't Mind but I had also NOT authorized nor requested that change. Anyhow I called and paid it. I cant remember if they waived the late fee or not. I do know I requested but cant remember exactly if I got it waived or not. I think they did just so you know that after a time consuming XXXX calls later they saw the mistake. Anyhow they promised they would take that late payment OUT of my credit report. It looks like they Did Not as I still showing a XXXX and I have NOT been late and this report I just clicked on reads my score was impacted because I have a late payment. Please Help XXXX this. Thanks very much for any time and input you put to clarify this for me. I work so very very hard. I know you probably hear this a zillion times but I truly do and I do n't have much and I hope I can have at least an Excellent Credit score. Let me know what documents you would need. I think it was when XXXX card went from XXXX to XXXX but I know XXXX did the same and maybe I am just confusing them?
I received a letter from Avant, XXXX XXXX XXXX ( second Time ) offering me a loan,,, saying you are pre-Approved .... no where in the letter was any Disclaimer that says unless your credit changed or is not good enough ... we will not honor this letter ...

any way they do this to have people apply for the loan, and than the reject it ... and write back ... you can Continue with XXXX ... sister company with very very high rates,,,,, this is criminal!!!!!! 

my Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. 
phone # XXXX E Mail. XXXX My personal code # XXXX and the offer expire XX/XX/2018
I was given a settlement agreement which I paid. It was in 2014 through XXXX XXXX XXXX XXXX XXXX The amount of the settlement was {$2200.00}.

XXXX XXXX XXXX XXXX is saying that I still owe {$3100.00}.

They are taking anything that I am supposed to get back from my Income taxes to pay this debt.
Tried to call Nationstar Mortgage customer service number at XXXX. With all the advertisements, there is no way to talk to a customer service representative. I sent XXXX payments in to satisfy my XXXX XXXX, 2015 payment and they applied both to principal so I still owe the XXXX XXXX payment. This servicer is incompetent and should be put out of business.
This Two Credit Report Agency Experian and XXXX, has reported XXXX, XXXX Reported on CC  
Sent email and file a complaint towards the company also request the removal of the false information.

"I have paid XXXX bill on time i have copy of receipt, I proof of bill paid cash on XX/XX/2017."$XXXX payment.
My husband passed away in XXXX. He had a reversed mortgage on our house - I was not old enough at the time to be put on the mortgage. After he passed away I contacted the mortgage company and found out they had a new program called the " non-borrowing spouse '' program where, if I qualified, I could remain in the house. I did all the required paperwork, they kept asking for more all the time dragging it out. They have put a foreclosure on the house and I need that action stopped until this issue can be resolved. I called the mortgage company weekly to get an update and was always told it was in the review stage and that they needed additional information. I immediately faxed all required documents - they probably have XXXX or XXXX copies of everything. When I called them on XXXX/XXXX/15 XXXX told me that I had been denied because I had n't had everything to them within the 120 day requirement. At no time was I told that I had 120 days to get all of this done. Actually everything was to them within that time limit but they are the one 's that kept asking for more and more. They also said that I would have a letter from HUD stating that I was denied within 10 days and I have never received a letter from HUD stating this.
I have been trying to get my payments lowered to where I can afford them. Navient is telling me I am basically out of options and that I need to consolidate my loans with direct loans to get other payment options. I have no problem paying on my loan, but I can not give them the amount they want at this time. They are not working with me.
Tried getting a credit line increase on my Barclay card but had to go to their security to verify my identity. They initially pulled XXXX but then I had to talk a different representative and they pulled XXXX too and I want the hard pull removed from XXXX. I 'm very livid that they would chose to do a different pull from a credit report despite the fact that I had only asked for the standard XXXX pull inquiry. They did not inform me that they would n't be using the same XXXX inquiry from the same day but pulling from a different bureau.
I ORDERED REPLACEMENT WINDOWS. AFTER THE INSTALLATION WAS COMPLETE I WENT TO THE STORE TO GET A 10 PERCENT REBATE AS ADVERTISED FOR BEING A XXXX  VETERAN AND THE STORE REFUSED TO GIVE ME THE REBATE. 

XX/XX/17 XXXX XXXX ORDER ID : XXXX RECALL AMOUNT XXXX SUBTOTAL XXXX SALES TAX XXXX TOTAL {$7100.00} E-DEPOSIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NO # XXXX
I wasnt aware that for the {$800.00} loan I was going to be charged 752.99 % APR. The company was not clear about it and I was not made aware that I would have to pay {$2000.00} in finance charges. So my total amount due is {$2800.00}. I believe I already paid 5 payments of {$230.00} Which totals {$1100.00}.
Hello, I'm registering a complaint against XXXX XXXX for the inappropriate assessment of late payment fees and interest to my account. My statement dated XX/XX/XXXX included a late fee and interest assessed on XX/XX/XXXX. I mailed my payment on XX/XX/XXXX or XX/XX/XXXX along with other payments to different vendors. All received their payments before XX/XX/XXXX, except XXXX which took the extra step to convert my payment to an eCheck and it cleared on XX/XX/XXXX, after the statement cutoff, and conveniently so they can add an extra fee. I called to raise the concern and they were unhelpful, mentioning that because I had closed my account, they would not reverse the fee that was assessed. If one looked the postmark date of the payment, they would clearly see that this was postmarked before the due date and was received timely. I'm aware that this crossed the XXXX XXXX holiday, however it seems like I am being taken advantage of, or at least being forced to pay a fee for their untimely processing. 

To avoid continuance of this problem and to put an end to my relationship with XXXX XXXX, I'm remitting the full amount due for the current statement ( though I don't feel it is appropriate ). I respectfully request the Bureau 's  assistance in having the {$31.00} refunded. 

Thanks, XXXX
Lender failed to give an accurate closing disclosure statement for purchase money mortgage transaction. Lender failed to deliver closing documents to settlement agent on day of closing. Sent to wrong location. Lender failed to deliver mortgage funds to closing on the date of settlement. Sent to wrong location.
I never owed this company nor did I sign anything for them to try to collect this debt. This company creditone llc is reporting a debt that another company has reported thus doubling the amount that is being reported on my credit report causing it to drop my score and create financial hardship.
I am XXXX XXXX military. I requested help from Loan care to let me pay the interest for this VA loan while the house was on sale and they refused. I requested a deed in lieu and they are dragging their feet hoping the house goes on foreclosure. They have transfer my packet to 3 different representatives, they refuse to let me talk to a Supervisor and they keep asking for different paperwork instead of asking for those at the beginning. They are refusing to work with me and costumer service is one of the worst I ever seen.
I have required proof of what they want me to pay for and have not received it and I have asked several times and when I stated I was taking legal action I get hung up on.
I have a a unverified account from PORTFOLIO RECOVERY # XXXX, # XXXX # XXXX, # XXXX, # XXXX # XXXX, # XXXX, # XXXX, # XXXX. I had previously disputed this account. I have never done business with PORTFOLIO RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, If PORTFOLIO RECOVERY think I owe the a debt then send it to me in writing. I dispute the validity of the debt purport I owe. I request that PORTFOLIO RECOVERY Provide verification of the following : 1. ) Original date of default and collection activity begin 2. ). Whether you purchased the debt, and if so, the amount paid for the debt 3. ) The date ( s ) the debt allegedly accrued ; 4. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PORTFOLIO RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt. Do not ever call my phone XXXX if I ever gave permission in the past I am revoking it.
I have three gift cards were hacked on the 2nd day I bought them, two were recovered, this is the third one. I havent heard from them for a long time for this one, please help me get my money back, thank you. 
Date of purchase : XXXX/XXXX/XXXX Card # XXXX Fraud charges : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Pending {$190.00} XXXX XXXX XXXX # XXXX XXXX Pending {$0.00}
Cooling and Winter LLC have misrepresented themselves as XXXX XXXX XXXX and filed a lawsuit against me. The court date is XX/XX/2018. The amount charged off is XXXX. The case number is XXXX In the lawsuit Cooling and Winter LLC have listed themselves in the plaintiff section as " XXXX XXXX XXXX '' making it seem like XXXX XXXX XXXX is the one bringing the lawsuit against the defendant. Cooling and Winter is a 3rd party debt collector and should not mislead anyone to believe that they are acting on behalf of XXXX XXXX XXXX. In addition when meeting for the first hearing date on XX/XX/18 the attorney for Cooling and Winter XXXX XXXX identified himself as " I'm XXXX with XXXX XXXX XXXX ''. 

This company is not following the FDCPA and is acting illegally and must follow all collection guidelines and laws. They should be stopped as they are trying to deceive consumers and misleading them.
On XX/XX/XXXX, I applied for a car loan through a private lender. It made me go to the TransUnion website and get my credit score to type in to their website. At no time did I check any boxes agreeing to pay after 7 days. We paid {$1.00} to get my score. Today, XX/XX/2019, I had a charge of {$19.00} come out of my bank account from TransUnion. When I called, they were dodging the issue, couldn't tell me what they were charging me for, wanted me to provide another credit card number, and didn't want to refund the service fee. They wouldn't even tell me what they were charging me for. 

They have claimed to have cancelled the subscription, but have not refunded my money that I never authorized them to take.
On XX/XX/18, I went to Experian.com in order to get my free annual credit report. I have not seen my credit report for several years and I wanted to check it and make sure the information was accurate. First of all, they said I had to pay {$1.00} for the report. It may be that they were charging the {$1.00} for my score, but I didn't ask for my score, I just wanted my report. They did not give me the option of just getting my report for free. 

Then, they said that I was signing up for a 7-day free trial for some kind of credit monitoring service, and that if I didn't cancel within 7 days, I would be charged {$21.00} per month for the service. 

This is bull! These companies should not be allowed to to require me to pay for my own credit report, and when I pay them their stupid {$1.00}, I should not be signed up for some service I do not want. You need to protect me, the consumer, from being taken advantage of by the credit bureaus. 

Thank you!
2 things happened. I applied for a XXXX XXXX Loan for my childs college loan. It came back higher than the highest rate they had and I as Far as I know have perfect credit. I then today pulled credit report after findin that my XXXX XXXX was going to up my APR to almost 20 % after over 23 years of service with them. PUlled my credit reports to find out that they have posted a high, at or over the limit credit for XXXX XXXX XXXX also known as XXXX XXXX XXXX. This account is NOT in my name and Im an authorized user but not financially responsible for it. I did not take this card out. THis has adversely affected me in a financial way and all 3 credit bureaus are now reporting this as a negative.
In short, we closed. Everything looked good. our closing statement matched our pre closing docs, requiring XXXX cash to the table. Everything looked good. We are supposed to fund today. 

Yesterday I got an email from our broker asking for a check for XXXX to reimburse him for a credit on our closing docs. I am supposed to make it payable to the mortgage company and post date it. 

His explanation is that they gave us the credit for " advanced escrows '' as a loan and that they expect to have that money returned. They are threatening to hold up funding of our loan and / or redisclose everything, which then postpones the loan at least 6 days and funding another 3 days. 

I feel that this is not only shady and boarderline illegal ( maybe fully illegal ), but it places a hardship on us to have to come up with the money in a hurry. Nothing about this seems right. 

Apparently, he did inform me via email, which I completely missed. I would have said no to the loan at that point if I had seen it. I will include the email chains in the uploaded documents.
There are several disputes on my  Sams Club Credit Card which have not been resolved by the bank.      Every time I call the  Disputes  Department they say they are being investigated.
I received a phone call form a third party called XXXX, collections company for Check-N-Go, without reading the federal disclosure the collector advised that an unpaid debt was transferred to their company to be handled within 24 hours. Once I advised the disclosure was not recited and he was aware that I had extensive knowledge regarding FDCPA and collection activities, he was unwilling to listen and stated if I did not give him my debit card number within 24 hours that I was unwilling to pay this debt. I had advised the representative that was not at all what I was doing and in fact I want to pay the debt, however I will not give my debit card without more information regarding this debt.
I have switched my home insurance to XXXX in XXXX. Quick Loan escrow made a payment to XXXX on XXXX XXXX in the amount of {$1100.00} and got a refund back from XXXX on XXXX XXXX because the payment was to the wrong XXXX. I was not aware that the payment was to the wrong place and refund was received until I got the cancellation notice from XXXX. I called Quicken Loan escrow on XXXX XXXX and they assured me that the correct payment will be sent out via overnight mail. I received a final cancellation from XXXX again, as the result, I had to pay out of my own checking account in the amount of {$1200.00} as the result of late payment. I called Quicken Loan escrow again to find out the status of the payment. Apparently Quick Loan escrow sent out a check in the amount of {$1100.00} on XXXX XXXX in the regular mail instead of overnight. As the result of Quicken Loan escrow. I end up paying additional late fee and the risk of cancellation on my home insurance policy. Quicken loan not only did n't pay my home insurance on-time, it was also paid in the wrong amount.
On XX/XX/XXXX, I was informed by my credit card company XXXX XXXX XXXX that someone has been using or attempting to open credit card accounts using my name, date of birth and social security number without my permission. The suspect has already opened several credit card accounts and committed the crime of theft in XXXX California. The suspect stole my identity by using my name, social security number and date of birth to commit theft and avoided payments and capture from the law. I reported the incident to the XXXX credit card bureaus such as XXXX, XXXX and Experian. I had to place a security freeze and a fraud alert in order to prevent the suspect from opening further credit card accounts without my permission. I had to dispute numerous fraudulent charges against me committed by the suspect in XXXX California. I filed a XXXX XXXX Police report on XX/XX/XXXX and gave copies to some merchants or credit card companies along with my driver license and personal information in order to prove my real identity. I also gave the police report to Experian and other personal information in order to place a 7-Year Fraud Alert and Security Freeze. Experian refused to assist me and refused to place a 7-Year Fraud Alert based on my request. I requested Experian for the XXXX Fraud Alert because I do NOT want the suspect to steal my identity for the next 7 years and continue the crime of theft. Experian refused to assist me and ask for more personal documents. I already sent Experian the copy of my driver license, my social security card, my DMV bill and property tax bill verifying my true identity. Experian refused to assist my request. I would like Experian to be fully investigated and would like to know why it still requesting more personal documents. I need help and Experian refused to assist me after I reported being a victim of identity theft. I disputed the fraudulent charges against me because I never lived in XXXX California. The suspect committed these crimes of theft in XXXX California and provided a false or fake southern California address in XXXX, California. I ONLY live in XXXX XXXX since XX/XX/XXXX and NEVER in XXXX California such as XXXX, California.
This bank issued me a credit card, to be specific the " apple rewards '' card which is ok but i did n't really realize all i could get back is XXXX rewards. I do n't care for XXXX that much. When i tried to apply for an additional card with this company they told me " well we want to see if you are going to pay the bill on this card etc etc '' that seems a bit discriminatory to me seeing as how they could see my credit report and the fact that everything i have is paid, not late, nowhere near the credit limit and i have been responsible with this one the little bit of time i have had it. A card that gets me cash back i can use for paying the bill or while shopping would better suit me so if anything i would want to open a different account and role the available credit i have from this card onto another card with a higher limit. I do n't mind keeping this card but i think i am deserving of a different card as well with a better limit. XXXX gave me a XXXX limit and i have been just fine with it and very responsible. I plan to purchase my first house in 2 years so i am not messing up my credit. Its nice to have so many cards but i would rather just have XXXX or XXXX with large limits instead of all these XXXX-XXXX limits here and there
I submitted a loan modification application to Seterus, over two months ago and the company refuse to process the application and refuse to give me information concerning my loan. I received a letter from Seterus, requesting my attorney 's information but I do n't have XXXX. The company also incorrectly calculated payments from Florida XXXX XXXX, applying more interest than the contracted amount.