WillisBack/dataset-financial-user-claim huggingface dataset:
I 've fell behind on my payments with navy federal credit union, car loan, credit due to unemployment after I received another job my car was repossessed and I paid nfcu my payment and the repossession fee which turned out to be XXXX dollars my vehicle still was not released due to nfcu telling me I would have to pay the repo company there share which is now XXXX also my checking account was overdrawn XXXX dollars and they closed my account along with my credit card account I 've noticed I 've been spending more money than I started off paying I believe I 've paid half of my car loan off by now but it appears as if my car loan has became the same price as when I purchased it, also the bank told me I would have to pay them before they were to re open my account which is strange considering my account had direct deposit and they closed it out
Creditor Contact Details PROPERTY MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX This company fraudulently reports I opened an account with them XXXX XXXX. I have no idea what company this is, they can provide me with no information confirming i opened an account with them. I have tried on several occasions to have them correct their error to no avail.
So I called Albuquerque collections to find out what I owed and what payment plan I could get on to pay the debt off. The women was not understanding what I wanted and I was told it was common sense math and I should. I felt XXXX as I am the one that wanted to do the right thing. Then when I advised her I would not let her get a dime of commission off me. She then told me it did n't matter it was already her account. She also told me that accounts that where not repoting to my credit where. THAT IS ILLEGAL.
This complaint is being filed against equifax. I have had my identity stolen and an account with XXXX XXXX credit card was established XXXX. I filed a police report and sent it to equifax requesting for the account to be blocked from my file in XXXX. They just disputed the account and did not honor my request to block the fraudulent account even though I sent all the necessary documents to have my request honored. I have spoken to their so called fraud department that is full of incompetent employees whom are all given scripts to read to customers and sound like robots. I submitted another dispute online recently but did not have the option to re upload my police report. I am requesting for this fraudulent account to be removed from my credit report immediately.
At this point in my life I am realizing that I will never in this lifetime be able to pay off my student loans. There is no exit strategy or repayment option that will ever work. Furthermore after years media coverage on the issue, I am realizing that I have been steered in the wrong direction several times by the loan company. They have almost forced me into categories several times being forbearance or payment plans. My best interests were never a concern, it was always about them. I know I am just one of many situations like this. They have never been clear about their policies nor have they communicated any real options in the past. Had I known of certain options previously, my loan situation may very well be different today. It is a trap set up for young people trying to make a future ... too bad its a future of paying off debt to the mob that is loan companies.
XXXX sold my loan to Fay Servicing. I pay through online banking. Apparently the property taxes caused my mortgage payment to increase which I was unaware of. The loan was taken over in XXXX by Fay Servicing. I discovered the error later in XXXX. I asked Fay what needed to be done to fix the problem and they refused to fix it. I made a payment each month from XXXX through current month. I spoke with an agent in XXXX but they agent falsely assured me things would be okay. Fay Servicing encouraged me to file mitigation but all they are doing is requesting more and more paperwork and refused to work to fix the loan. They are only interested in getting the property and making money. I have made several attempts to resolve the problem. I asked how much I needed to pay to bring account current, etc. and no information is given. They also refused to respond to me in writing. They will only contact me via phone or pre-made collection letters that are sent to all parties. This company preys on the consumer and has not interest in helping those that are truly interested in fixing the problem. This company also sent out letter stating that they sell my personal information to anyone they so chose without my express permission.
I am paying on my sons student loan that I cosigned on. I can not pay on the due date but have never missed a payment. Key Bank calls anywhere from XXXX to XXXX times a day starting from 2 days after the given due date until they receive the payment, which is usually 2 weeks
I opened a Citi bank " Citigold '' account by using a promotion code stating that I would earn XXXX Citi Thankyou points if I completed XXXX qualifications : {$1000.00} dollars spend in the first 3 months and a bill payment in consecutive months for the first two months. I completed these requirements in XX/XX/XXXX. The agreement with Citi stated that I would receive my Thankyou points within 90 days after the month that I completed the requirements. I have written confirmation from Citi stating that the Thankyou points would be deposited in my account by XXXX/XXXX/2016. The points should have been deposited by XXXX/XXXX/2016, but I have written confirmation stating XXXX/XXXX/2016. I have tried numerous times to get Citi to honor this promotion. I have made multiple calls and asked to be put in touch with a supervisor. I have asked that a member of the executive team at Citi call me back on 3 occasions. Each time I have been promised a call back within 24 to 48 business hours. I have yet to receive a phone call from anyone. Ultimately, all I want is Citi to honor this promotion.
On XX/XX/2018, XXXX XXXX XXXX deposited two checks in the amounts of {$670000.00} and {$82000.00} in the incorrect account at JP Morgan Chase located at XXXX XXXX in XXXX, NJ. The checks were made payable to XXXX XXXX XXXX Living XXXX. One came from an attorney trust account and the other from an escrow settlement account from a title company. The checks should have been have been deposited in XXXX XXXX trust account with XXXX XXXX. 

The teller accepted the checks and deposited them in the JP Morgan Chase account. ( See attachments. ) A letter dated XX/XX/2018, and received nearly a week later from JP Morgan Chase indicated that the account was blocked and will be closed ( see letter attached. ) In addition to not enabling XXXX XXXX to have access to the 2 checks that were erroneously deposited, JP Morgan Chase also pulled from the account and disabled access to {$33000.00}. Due to this action by the bank, two checks written against the account bounced. 

XXXX XXXX went to the bank and the manager of the branch contacted the home office and was told that we should open a trust account at JP Morgan or to contact the people who wrote the checks and have the checks recalled. 

XXXX XXXX contacted the bank ( see letter attached ) to ask that the funds be forwarded/transferred to them since the trust account where they should be deposited was held with them. JP Morgan Chase refused to do so and reiterated that XXXX would need to open a trust account with JP Morgan Chase. 

XXXX XXXX went back and forth with JP Morgan Chase numerous times. As of Wednesday, XX/XX/XXXX JP Morgan Chase indicated that they mailed back to XXXX a check for {$33000.00}, though that has not yet been received as of today, Friday, XX/XX/2018. At the same time, XXXX XXXX was forced to open up another trust account with incurred attorney fees in the amount of {$300.00} in order to get access to the two checks deposited in error. JP Morgan is transferring the amounts of the two checks -  {$670000.00} and {$82000.00} and allege that the money will be in the account by next Wednesday, XX/XX/2018. Additionally, the money will lose significant interest in JP Morgan as opposed to where it should be residing at XXXX XXXX and, when asked, the branch manager for JP Morgan in XXXX, NJ indicated that she did not know if or when well be able to pull the money out to put back into the account it should be in at XXXX XXXX.
XX/XX/2017 Mailed check to Old Navy/Synchrony Bank to pay balance of account. Check posted XX/XX/2017. XX/XX/2017 Rec 'd past due notice for {$230.00}. Conducted chat line chat with no resolution. Chat rep claimed my check returned NSF. I called my bank. Check never processed through them, not posted to my account, and nothing on my account returned. In subsequent calls Old Navy/Synchrony communicated the check was actually returned " uncollected funds '' & it 's between me and my bank. They also said they could n't provide a copy of the front and back of check and would not return the check to me. My bank ca n't track without that information. A chat rep also asked me to send them my bank statement showing that I have the funds available in my account and they would look into it. I refused! On XX/XX/2017, requested # for a Manager. I was transferred. Again, Manager stated they ca n't return or send a copy of the check to me. Meanwhile, I am showing past due, delinquent and owing over {$7000.00} which I paid on XX/XX/2017 with Old Navy/Synchrony Bank still saying it 's my bank 's fault. Today I am sending a cashiers check for the original balance due by Priority Mail. I requested they remove all late fees/NSF fees/additional interest. Manager said they ca n't do that. Thank you.
XXXX XXXX XXXX, XXXX Genesis loanI was forced to get the Genesis loan just so I could stay in the student dorms, and then halfway through the school year they made me pull more money out because they said there was n't enough to finish out the rest of the year, saying that if I did n't either get the loan or come up with the money I would n't be able to finish my entire XXXX of school, I was also forced to pay my loan while I was in school and they took it from my monthly allotment before they gave me my student loan check each month, there is almost no way to postpone payments without defaulting, they say you can lower your payment but there is no way to have a true forbearance on the loan and to top it all off, after I get out I find out the school has been sued for falsifying employment and strong arming for students into loans
XXXX XXXX XXXX ( XXXX ) made an overdraft from my checking account for my XXXX mortgage paymentin the amount of $ XXXX requested the overdraft amount of $ XXXXto be placed back into my checking account.Thisscenariocould have been easilyresolved were it not for theexistingXXXX governingletters, rules, policies andregulations. 

XXXX statement for XX/XX/2016mortgage paymentfrom XXXXstatement stated my mortgagepayment for XX/XX/2016was $ XXXX budgeted for this amount from my XX/XX/XXXX checking account.XXXX posted myMortgagePayment due on XX/XX/2016to my checking account on XXXX XXXX, 2016 for $ XXXXand theamount was paid by my bank toXXXXon XXXXwas {$840.00}. 

The amount of {$840.00} was posted as pendingto my checkingaccount on XXXX XXXX, 2016. I began calling andrequesting XX/XX/2016to havetheoverdraft amount of {$40.00} returned to my checking account. Finally, on XXXX/XXXX/2016 I was informed by a manager thatI could dispute the amount removed from my checking accountor have the overdraftamount placed on the principal of my loan. I was informedXXXX simply could not honor my request to put the {$40.00} back into my checking accountwithout a statement from my bank on letterhead stationery stating " the {$840.00} will not be returned or disputed '' and to " enclose a copy of the checktransaction from my checking account ''. My banking institution refused to write the letter, stating XXXX made the overdraft. 

The mortgage company agreed to work with me, but since mybank would not draft a letter perXXXX guidelines and specifications, I was left with the decision to eitherdispute the overdraft or the overdraft amountwouldhave tobe applied to the principal of my loan. AlthoughI budget my money to the penny each month andcould have used this money towardother fixed expenses, I agreed tohave the overdraft amount applied to the principal of my loan.
On XX/XX/XXXX of last year I heard about Equifax data breach which got me worried enough to purchased a copy of my credit report from XXXX that got me so disappointed to find out that I have been a victim of identity theft. I discovered that someone unknown to me had used my personal information to get credit cards and personal loans from the following companies : XXXX XXXX XXXX and XXXX and XXXX XXXX. I immediately contacted XXXX identity theft division and told them of my finding which i got advise by a very helpful person by the name of XXXX to file a police report and an identity theft report and send it to every credit reporting agency along with the copy of my credit report and copy of my id and social security and let them know which account was opened up fraudulently and they would block those account from my credit report. Both XXXX XXXX and XXXX had removed those fraudulent accounts from my credit report immediately, but in other hand i been having problem with EQUIFAX and after going thru waiting for hours to speak to some one and sending them my FTC report and police report still we are at the same stage, not only nothing has not changed they never indicated that account ever been under investigation which brought me here for your help.
I was applying for a refinance of my Ditech FHA loan. I wanted to get cash out. The refi was with Ditech. I was strung along for over XXXX weeks. They kept telling me everything was good and not make the XX/XX/XXXX payment. I asked over and over again. They told the loan was good to close and about a week before started asking me for all these things that they needed. XX/XX/XXXX the day before closing they said the loan was not approved. Still have to pay my XX/XX/XXXX payment eben though I have a email saying that I dont. THEY ARE LIARS.
XX/XX/XXXX I 've received multiple offers for a XXXX XXXX XXXX Card with a sign-up bonus of XXXX miles after I spend {$4000.00} in the first three months of account opening. As I 've tried to apply via the XXXX website the sign-up bonus was showing as XXXX miles, so I 've called the Chase customer support number and the representative re-assured me that I 'll receive the XXXX miles, as long as I apply with his support via phone and request the miles to be credited after I meet the spending limit. I 've applied, and met the spending limit before the initial 3 months, XX/XX/XXXX. It has been over a year since I have the XXXX XXXX XXXX Card and I 've never received the advertised offer for XXXX miles, instead my account was credited only with XXXX miles. I 've kept inquiring via the Chase customer support every other week, and I 've spent at least 20 hours on the phone waiting or talking to some of their representatives and supervisors, without any success. During the initial calls the Chase representatives were re-assuring that I 'll be credited for the full amount, as I 've met the spending limit they 've started asking for a copy of the promotional letter, something that they own and should track in their marketing/advertising database, as I 've received a personalized letter on my home address. Nevertheless, during one of the follow up calls, XX/XX/XXXX, I 've shared the promotional code from the letter, and once again I was re-assured that there is a XXXX miles promotional offer associated with my profile and that it will take them another 1-2 months to credit my account. So I 've waited for another couple of weeks only to realize that Chase did n't honor their promise. Today, XX/XX/XXXX, I was told by one of the Chase customer support supervisors that since it 's been over 10 months and they have n't received a faxed/mailed copy of the offer, something that I 've shared with his team months ago, and it was acknowledged, that I 'm no longer eligible and I will not receive the full XXXX miles. I 've informed them that I 'll be raising this issue with you ( CFPB ) and I truly hope that you 'll help me and other customers by stopping these inappropriate practices before they become major issues. There should be zero tolerance for false advertising of rewards that the issuer has no intention or capability to honor. Also Chase should keep track of all personalized marketing offers, instead of playing a dumb, when it 's customers request their benefits.
I have had many frustrating experiences with Western Union over the past year ( have never used them until this year ) and this latest experience is what led to filing this complaint. I initiated an international transaction with Western Union on XXXX XXXX, 2015 in which the confirmation email states the money would be available in the receiver 's country on XXXX XXXX, 2015. The receiver went this morning to collect the funds ( XXXX XXXX, 2015 ) at a Western Union office with ID and MTCN number in hand only to be told the money was not available for pick up. I immediately contacted Western Union to find out why the money was not available only to be told that the money would not be available until XXXX XXXX, 2015 Eastern Standard Time United States and also told it would not be available until a specific time Eastern Standard Time United States. No where in the transaction details does it state anything about money availability being based on Eastern Standard Time United States and no where in the transactions details does it state a time the money would be available. It is terribly frustrating to share with the receiver when the money will be available only for them to go to a Western Union office ( which in and of itself is not an easy task ) and be told the money is not available.
Chase Auto Finance assessed a XXXX late fee on my account that was 21 days past due. The total balance left on the account is XXXX and I believe this is excessive as most creditors will charge at the most XXXX as a late fee. The excuse I got from the creditor is " that we already gave you an adjustment last month and the system will not allow it ''. I believe they are trying to make up for all the other adjustments they gave during the course of my 72 month loan.
On  XXXX / XXXX / XXXX  I sent a certified letter to   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  FL  XXXX  regardin g one   XXXX   XXXX   XXXX  account (  XXXX  ) for  XXXX  $ to validate the the debt and all information regarding the debt, they never answer my certified letter but they are keeping the false information in the credit bureau.   Beside of th at I want to inform that the same debt was already dispute with Southwest Credit and fully de leted on  XXXX / XXXX / XXXX
I signed up for a Credit Monitoring system with Experian. The sign-up procedure took < 2 mins. In order to cancel, I have to call them. I have been on hold for more than 2 hours over the phone, no response.
I received a letter from credit protection association on XXXX/XXXX/2016 demanding me to pay {$150.00} to XXXX XXXX XXXX, I contacted credit protection association and inform them ia have no any contract with this company and MY provider of gas and electricity is XXXX only, and I have paid their bills in time update. Further I wish to conform I have not received any arrears of payment or any other letter from the said XXXX XXXX XXXX.
Experian is a fraudster company -- they work for the banks so all they want is to help the banks capture your property. They do not provide a way to dispute credit iu=inquiries which can affect your credit score. The people there are abusive and frustrating. They say they will call you back and they DO NOT. These people should be exposed for the scam to consumers that they are.
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX Account # : XXXX I was never late 30, 60, 90, 120 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
In XX/XX/2012 there was a XXXX card opened under my name which I never authorized. I had been asking XXXX to remove this card from my credit report and close the account as it was not me yet they have refused to do so. The account is still showing under my credit report as a charge-off when I never authorized them to open an account in the first place. I would like this account fixed and removed from my credit as it is causing problems and negative remarks under my credit.
Equifax Inc. said its systems were struck by a cyberattack and my information was stolen.
XXXX has failed to provide a XXXX Mortgage XXXX XXXX for tax year XXXX. My mortgage servicer has been requesting it since the Spring of XXXX. They just do not respond. XXXX XXXX XXXX.
The three main issues : ( 1 ) Mortgage payments for an ( 80/20 ) loan taken out in 2006 do not appear to have been applied properly to the mortgage. 
( 2 ) XXXX issued an 80/20 mortgage and communicated they would aggregate the monthly payment into " XXXX '' payment request to us, and they would allocate across the XXXX loans. It appears that never happened as the 2nd mortgage looks like it never received a payment. 
( 3 ) Post a serious delinquency during the financial crisis, we reinstated the loan thinking we were obviously reinstating both loans ( 80 / 20 ). We have since learned only the first mortgage was reinstated, the 2nd charged off, the balance on the first has only dropped by {$10000.00} over the past 10 years although we have made over {$100000.00} in payments to the various mortgage companies & banks that have owned our loans, and the balance for the 2nd is reporting the same as the original 2nd loan amount. 

Please note : These loans were with XXXX XXXX, then both went to Bank of America, then to XXXX mortgage. Currently the 1st mortgage is with XXXX and XXXX placed the 2nd mortgage with another company. We did not have the original mortgage documents but were able to provide documents from the courts to substantiate the loans which includes the lenders name, loan number, and dates. We have also provided a copy of the credit report which shows the balances quoted in this complaint.