WillisBack/dataset-financial-user-claim huggingface dataset:
I got a modification loan for my mortgage in XXXX 2015. I have been doing payments since then, but I have empty almost all my savings and I struggle every month since the modification the bank gave me has a payment amount higher than the original mortgage payment ; according to the bank that was the best they can offer me if I want to keep my house. This is a 40 years mortgage for {$280000.00} at 4,5 %. If I make all the payments, I been paying almost XXXX XXXX dollars in interest for this loan. Could you help me to find if the bank was right in their decision? Do I have another and better option?
UniRush owns RushCard prepaid and on XXXX XXXX, 2015 RushCard was suppose to do maintenance to their website which was suppose to be completed by XXXX then it was XXXX. When I spoke to someone on XX/XX/2015 they claim the problem would be fixed in a few hours once I told them I was n't able to load money on my card. When I called again on XX/XX/2015 and told the representative RushCard had locked my card the representative kept having me put in my information on my online account to the point RushCard had put my account on hold. As of Wednesday XXXX XXXX, 2015 RushCard has Deactivated XXXX if not XXXX of it 's customers cards, locked their accounts, and stolen our funds. Now XXXX hours later customers still have no access to their cards, their money, and when you call RushCard their representatives have such bad broken English, they do n't comprehend English, and they ca n't assist customers. Like many other customers I have to pay bills among other things. At this point customers believe RushCard has stolen everyone 's money and continue to lie about it being an update. I 've never seen any company take XXXX hours to do a system update. UniRush needs to be investigated because they 're holdong customer 's money hostage and do n't give a XXXX what anyone has to do. When you call the UniRush Corporate phone number they never answer and when you call the RushCard customer service number you 're on hold for an hour then you get someone on the phone who ca n't assist you because they ca n't speak English properly. 

RushCard first locked my card then they deactivated my card with my money on it and they 've done this to XXXX of other customers as well of their system is giving the wrong information as well as their system told me my card is n't even activated. I 've called their customers service far too many times and have been told XXXX lie after another. They 've refused to compensate their customers for all the inconvenience they 've put us thru and they 're not trying to move fast enough to fix the problem.
I was a victim of identity theft and noticed a collection from SYNCB/WALMART I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commission which I wrote a formal complaint against SYNCB/WALMART in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Contacted customer service that my statement does not contain a Minimum payment warning table that shows how long it will take to pay off the balance making only minimum payments, as well as the payment amount required to pay off the balance in 36 months. They stated they are not required to provide any such information.
Ocwen Mortgage Company will not grant me a modification, i was Willed my grandmother s house, and have all the proper paperwork to show I should be entitled to the modify the loan, so i will not lose my the family home, i have submitted the Modification package
We had XXXX XXXX come to our house and offer to do in blown attic insulation for free to us as long as we applied for XXXX credits, XXXX through our natural gas company and XXXX through the federal government on our taxes. We filled out our natural gas company XXXX and received the check and sent it to them. When it came time to do our taxes we found out that the credit that they claimed was still valid was not valid, we spoke to a representative of the Internal Revenue Service to find out that the credit they wanted us to apply to our taxes had expired 2 years before their service. On the form we signed it specifically states " In the event that i have complied with the above terms and done all I can, and I do not qualify to receive any part of the rebate check ( s ) I will not owe Penguin Insulation that portion of the Total Amount Financed. '' I think I did all I could to try to get the rebate but I am not going to cheat on my taxes to do it. I called penguin insulation multiple times to try and resolve these issues but after 2 years they instead sent me to debt collections.
XXXX XXXX XXXX XXXX XXXX XXXX CARD NO.XXXX IS REPORTING AS DISPUTED, THIS ACCOUNT SHOULD BE OPEN PAID IN FULL NEVER LATE.
Sir or Madam, My husband and I were affected by the Equifax security breach. We have been working for more than two weeks to get signed up for the XXXX XXXX product. I was able to set up my account but I am still waiting to be able to use the product to see my credit report or to put a freeze on my account. My husband has been unable to set up his account. 

His problems are as follows : 1 ) Tried to set up an account but received a message stating the information he entered did n't match their records and so the process failed - XXXX/XXXX/XXXX XXXX ) Received an email today, XXXX/XXXX/XXXX stating the reason for the failure was because the account had already been established. 
3 ) Called the support line in the email, the woman he spoke to stated there was already an account for " this address ''. Clearly she did n't know how the product works. 
4 ) My husband asked to speak to a supervisor, who stated the problem has been reported by other consumers as well and the email was erroneous. 

Equifax 's response to this problem and the execution of their solution is sloppy and unprofessional to say the least. They are n't bringing their A team to the table to correct the problem or if they are their A team really XXXX. 

Regulators need to be in there monitoring their response to this problem.
This is an attempt to resolve matter of a false Security Deed that was recorded, executed and not Certified by XXXX XXXX XXXX on XXXX XXXX, 1999 by XXXX XXXX, XXXX XXXX XXXX. The Endorsement page states a title number " XXXX ''. XXXX XXXX can not locate that title number in there system. Ocwen does not have any enforceable interest in the Note/Security Deed and the loan was paid and not assigned as stated in the Satisfaction of Mortgage. The Security Deed and title are defective. This action came about when the Department of Justice entered into a Consent Order with XXXX XXXX XXXX for discrimination practices in XXXX and XXXX New York targeting XXXX females homeowners in low income areas. They were ordered to cancel all loans that were affected therefore there was no contractual agreement. I was a party in the civil action. I 'm attaching the Order from the Department of Justice. 
I sent a e-mail, fax and certified letter to XXXX XXXX XXXX to omit the Security Deed from the Real Estate Division of XXXX XXXX, New York .They have not responded. In Addition, I 've requested the Title Insurance Binder {$150.00}, Mortgage Insurance {$920.00}, Survey Endorsement {$93.00} and Endorsement XXXX and Waiver {$50.00} that was written specifically for the property. You can also request the information from the company as well to verify the information. Please forward information to me once you are in receipt of it. 
I need to obtain a copy the title certificate from XXXX 1999 thru present. My records indicate from the Satisfaction of Mortgage that the loan was not assigned, paid in full and discharged. I want all payments returned to me as quickly as possible Again, All payments ( Principal and Interest only ) totaling {$230000.00} and the surplus of our escrow need to be returned to us. Ocwen acted as a debt collector without verifying the validity of the loan from XXXX XXXX XXXX. The statute of limitations has expired. 
We also need to obtain a mortgage release from you 'll and have a title company to correct the error in the Real Estate Division Recorders XXXX County Office in New York. 
All documents supporting my position are attached for your review.
Good morning/evening, On the following dates of XX/XX/XXXX and XX/XX/XXXX Jp morgan Chase Bank and Chase Bank Usa, N.A filed 2 separate hard inquiries on my credit report where I never authorized such inquires. This is greatly impacted my ability to eventually purchase a home. I request to have them removed immediately.
I filed an Online Dispute regarding Account data in my XX/XX/XXXX Equifax Credit Report and although I've now received 2 email notifications indicating the dispute has been completed, I've been unable to access the results for 3 days.

After being unable to access the results again this morning, I shared my concern w/  Equifax via it's Online Chat service this morning. Although the Chat service fails to  capture the consumer content initially submitted, the remainder of the Chat has been posted below. 

XXXX XXXX ( XX/XX/XXXX XXXX XXXX ) : Hello XXXX XXXX, how may I help you? 
Me ( XX/XX/XXXX XXXX XXXX ) : See concern in submitted 'Chat '. 
XXXX XXXX ( XX/XX/XXXX XXXX XXXX ) : Thank you for notifying us of this issue. We apologize for any inconvenience you may have experienced. 
XXXX XXXX ( XX/XX/XXXX XXXX XXXX ) : We have a known issue on the website which has been already escalated. In this case we suggest you to contact a live representative over the phone. We apologize for any inconvenience you may have experienced. 
XXXX XXXX ( XX/XX/XXXX XXXX XXXX ) : You may speak with a Consumer Services team member at : XXXX. They are available Monday through Friday from XXXX XXXX to XXXX XXXX in your time zone. 
XXXX XXXX ( XX/XX/XXXX XXXX XXXX ) : Do you have any additional concerns? If no further assistance is required, please disconnect the chat. Thank you for contacting Equifax. 
Me ( XX/XX/XXXX XXXX XXXX ) : I need to see the results of the Dispute investigation before speaking w/ someone about the matter. 
XXXX XXXX ( XX/XX/XXXX XXXX XXXX ) : This type of action can only be performed by our Consumer Services Department.
I requested that Transuion remove several unauthorized inquiries from my credit report. I made them aware that I had no knowledge of the inquiries. I spoke with a supervisor at transunion on XX/XX/XXXX ( XXXX XXXX ) who refused to remove the inquiries. The inquiries were made on various dates and are listed below XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX XXXX  XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX
I was only on the lease of an apartment not the renter, and they have it on my credit report twice as the renter.
I was contacted by phone by a man who said he was calling from a law office, and that they were collecting on a loan that I owed to XXXX. He said I owed {$600.00} on the loan, and with late fees over time, I now owed {$1300.00}. But then he said that he would work with me, and that if I paid {$330.00}, within 24 hours, then that would settle it. 
I did have a loan from a few years ago, and I did have as dispute with the lender, because they took more debits than they were authorized for, and so I did not pay them anything else, but had paid back much of the loan. I am not certain if the loan was with multiloansource or not, and I could n't find documentation to support that they were the lender I used. I have also gotten a lot of other calls from other debt collectors who say I owe on a payday loan from online, and they all had things they said which made me think it was a scam. 
When I asked for information to be sent on the documentation of what was owed in writing, they said they could n't send me anything by regular mail, but that they could send something by email. They already had my email address, which I thought was strange. They also never identified themselves as to what company they were with until they sent the email which appeared to be sent from Integrated Recovery Services. The email was just a Word document saying that I owed the debt, but not any proof. I also recently learned that internet loans are void in my state, so I do n't know how they would freeze my assets, contact my employer and garnish my wages, as they said they would do. They said I had 24 hours to respond or they would take legal action.
Portfolio Recovery continues to report an old collection account that has already been deleted from XXXX  and XXXX  years ago. I have been fighting with them for years to delete it from my XXXX  report and they keep sending letters stating that it has been verified. I have submitted proof from my XXXX and XXXX reports that I have no collection accounts. XXXX is only showing one which is from Portfolio Recovery. 
I truly believe either XXXX or Portfolio is not investigating the collection account when I dispute because I have disputed numorus times the past two years and it shows last updated in XX/XX/2016.
After agreeing to pay my monthly payment, the representative, XXXX, pushed me to send my private banking information to her to try to enter me into a program that she would not give me full details and information on. I refused, stating that I did not trust the company with my financial information and that I would be paying the monthly payment as scheduled. She connected me to her manager, who attempted to pressure me into giving private banking information like before. I declined and stated that I did not trust their practices and that in the past, I had been deceived and misled by their company. Therefore, I did not wish to give out any more information than was necessary to process my payment. The manager, XXXX, then began raising her voice and speaking over me about her trust in the company and defended her position, which was never in question. I told her I wanted to explain my reasoning and she yelled over me stating she did not care and would not listen. Dumbfounded, I informed her of how rude and unprofessional she was acting, and how it was not reflecting positively on her company if that is how she speaks to customers. She yelled at me one last time saying she did not care and then hung up on me. When I called back to file a formal complaint, I was told they would listen to the call and get back to me, but then proceeded to attempt to defend the managers actions and demean me. I asked for the information as to filing a formal complaint and also inquired as to if I was able to file a complaint on a separate website, and the representative became livid and rude, stating it was not her job to tell me how to file a complaint. This company has never been helpful, and has repeatedly harassed and verbally assaulted me as a customer. It is shameful and unprofessional.
With the XXXX leak, have tried to put freezes on all my credit checks with the three agencies ( I will not go into how ridiculous this all is and how it is inconceivable that this happened, and they waited so long to let us know, and I had to wait until today to sign up with XXXX and have to wait an unspecified amount of time for an email to come from XXXX to finish the process with them. ) Went to Transunions site from a search engine, ( Security Freeze - Transunion ). The link ( https : //freeze.transunion.com/XXXX ) gives an unavailable message and photo. Hopefully I will be able to attach a screenshot. 

This one, for one of their products TrueIdentity and with a bunch of caveats, works. ( https : //www.transunion.comXXXX ) I find all of this unacceptable and a disservice to the American people who rely, unfortunately and without any permission or acknowledgment, on these services.
Within a short span of time ( e.g., between 3 to 4 months ), I have had the following accounts either closed ( or credit lines significantly lowered ) by the creditor : CARECREDIT, XXXX, XXXX, and JCPenney, just to name a few, which has subsequently caused my credit score to  plummet! 

It has now become apparent that I need to address the root cause the problem of my falling FICO score, which is XXXX XXXX and the almost ceremonial approach the bank has used in the closing of my credit accounts ; all of which were in good standing! Everyone knows that the closing of a credit account is NOT recommend by the consumer, let alone the creditor ( especially if the accounts are in good standing ), as this can have a devastating effect on a consumers credit score and FICO. 

Nevertheless, XXXX XXXX appears to have done this, with no consideration being made with regards to the devastating effects this could have on the consumers financial overall financial health, which can cause the consumer to lose out on obtaining favorable rates on home financing, auto loans, signature loans, and a host of other important financial products. Further, requiring that the consumer reapply for credit under these circumstances seems grossly unfair and does not appear to reflect best business practices. 

Incidentally, after reading all the complaints filed on Consumer Reports, FTC, as well as on the XXXX XXXX XXXX online forums ( just to name a few ), it is apparent that HUNDREDS ( if not THOUSANDS ) of consumers are either currently experiencing or have in the past experienced the same exact problem with XXXX XXXX that I am addressing in this complaint. This problem is so disturbing, it suggests that it may be necessary that federal regulators step in, to provide better control over this large financial entity ( that seems to have a monopoly over several consumer retail credit cards ) in order to better protect consumers from financial ruin by artificially causing their credit scores to plummet as a result of these successive credit account closings ( and I repeat, on accounts that are in good standing )!
This card was lost, so they said they would have to do a cancel on it, and replace it ; and just the last 4 digits on the card would be different. This is not a reportable item. What else can a company do when a credit card is lost? So, should the company not have reported it as closed? This should not reflect in any way as something bad on my credit report. Who does n't lose one of their cards now and then? That has nothing to do with my credit worthiness. Please take this off, as the card was immediately re-issued. Thank you.
I am currently out of school and I did not know he difference between loans, I got a loan from XXXX XXXX and I used it to pay bills, however years later I found out they were XXXX different loans and they can not be consolidated. I am unable to afford both loans on XXXX a year and I can no longer extend the private loans. I am a single mom and I am not sure what I can do for help?
I 'm  XXXX   USAA closed my account because someone stole my account information and deposited a check into my account. I advised them it was not me and provided my drivers license and even asked them when I was notified a check was deposited that it was not me and to please stop the check or close and reopen my account. I never heard or received warning and my account was closed. My dad has been with them for 30 years he added me with USAA now I 'm blocked f rom them and it 's making me look horrible when trying to open a bank account. I called  XXXX   XXXX  to see if they can relook at the issue and heard nothing. I wa s with USAA for years an d never had a problem.
I am coming to this bureau regarding a very serious concern of mine regarding my Toyota lease. In XX/XX/XXXX/XX/XX/XXXX of XX/XX/XXXX-XX/XX/XXXX I was concerned as to why my credit dropped OVER a hundred points and noticed right away that Toyota Financial had reported me as a delinquent on my lease. I have been in contact with them a lot regarding renewing my lease and potentially acquiring a new vehicle and never once had they mentioned to me that I was overdue on a bill that was supposed to be on AUTOPAY. I have always used autopay and only in emergency situations when I travel do I request statements. In these months I had not been made aware that my autopay was not successful nor that the autopay was somehow disabled. As a result I have no way of seeing or obtaining a statement from them because this was on automatic servicing. I receive don e-mail, no mail at ty address and what is most shocking is that I received not ONE SINGLE phone call to warn me or protect me. I am so shocked and confused at this company and how they can repeatedly try to sell and re-sell cars to me and yet they can not even contact me regarding an autopay issue and a payment that was nearing its due date. I had gotten my payment in before my grace period as far as I was concerned and yet they still reported me 30 DAYS late. This is abuse of power and a terror to consumers! How can they be a financial institution and yet the sit there and wait until more than enough time has passed by so they can tarnish my credit, charge me astronomical interest and late fees and smile there way through our conversations about me being such a great customer that I qualify for a new car??? 

It is in their professional duty to inform consumers if there is an issue so that these horrible situations can be avoided. But it seems to me that Toyota Financial is the greediest and most deceptive company. I have called every possible phone  number in a an attempt to reach the dispute department but there is NO one there and no direct number and one can only communicate through their unprofessional and ill informed customer service agents situated in other countries who barely understand me. I have always been an excellent customer and these zero tolerance zero heart policies HAVE TO STOP! These companies constantly justify themselves and we as consumers feel and are absolutely powerless. How can they not understand a human situation and a electronic mishap? How can they not assume or believe or understand that mistakes happen and that they are NOT always right! I am going to pursue legal action for the damages done to me if someone does not help me. I implore your help on this website, please. I am running out of time and want to purchase a new car and can no longer. Also as a result of this my new interest will be out of this world high. This is unfair and not right.
On XXXX/XXXX/XXXX I was randomly contacted by representative from Portfolio Recovery Associates asking if I was XXXX XXXX and I said yes and she proceeded to tell me that she was trying to collect a credit card debt that was originally with XXXX XXXX XXXX that was open in XXXX and I told her that I did not open this credit card and she tells me that my last payment was in XXXX of {$250.00} and I tell her that it 's not possible cause I 'm XXXX and been XXXX since XXXX! She then questioned me about an address I rented in XXXX, XXXX that I had rented for my daughter but we conversing on a land line that is n't in my name in XXXX, XXXX where I 've lived for over 13 years! XXXX XXXX XXXX XXXX nor does Portfolio Recovery Associates exist on my credit files at this time behind this debt and it should n't cause it 's not mines! I 've had my share of pit falls with bad credit due to my health and BANCKRUPTCY and do n't want to relive it! This collection agency has my personal information like my ssn # and I do n't want them calling and harassing me for debt that is n't mines!