WillisBack/dataset-financial-user-claim huggingface dataset:
I have never received worse customer service from a company than I have received from Amerihome Mortgage Company LLC. Been dealing with an error ( their mistake, they did finally admit that ) in my escrow related to property taxes. The taxes are all paid and the escrow account is back to where it should be, but they have been jerking me around since XX/XX/2018 in regards to fixing my payment. Ive talked to every supervisor in the building it seems but they are the most inept people Ive ever had the displeasure of dealing with. The worst part is I dont have a choice, they bought my loan from the original provider, so Im stuck with them. Just this week they have agreed to accept payment in the amount of the original payment, but then charged me a fee for processing the payment over the phone. They would not provide contact info for a supervisor over the first level and purposely refused to offer me the chance to take a customer service survey at the end of the call ( even though they always asked in the past ). In the beginning I was annoyed but everything was working out exactly like they said it was going to so I wasnt worried, now ... Im just angry. I dont wish any harm on anyone, but I swear I hope their building burns down and the company goes out of business. Useless wastes of oxygen, the lot of them. Still waiting as they say it wont be fixed until XX/XX/XXXX ... .4 months since this started ... through no fault of my own. So if you have a choice, go elsewhere ... if youre like me and dont have a choice ... XXXX for mercy I guess, what else can you do?
My student loan account is reporting late for period I was in forbearance. I have contacted Equifax numerous times to get this issue resolved, finally I had to contact the State of Georgia Attorney General 's office. I got a letter back from Equifax stating my late payment history would be removed, date XX/XX/XXXX ( letter is attached ). I waited over a month to see the information updated on my credit report however it was not. I contacted Equifax in the XX/XX/XXXX and talked to a rep, named XXXX, said he saw the dispute and did not know why it wasn't updated but all he could be is open another investigation. I also informed me that Equifax does have my forbearance letter PROVING my account was in forbearance during the period its reporting late. I just received my results back from that investigation and again Equifax did not correct that error. They only update misc information. I have attached a copy of the results and highlighted that they did not correct the error. I have an letter from Equifax stating this would be updated and admitting it is incorrect information on my credit report. This is a direct violation of the FCRA since they are knowingly reporting incorrect. information after acknowledging that fact.
I make online payment transaction using PayPal online services om XXXX XXXX 2015. 
Amount transaction was XXXX {$.00} 3 day latter I found that not any merchandise and not any services will be provided from service provider which use PayPal for receiving a paymentsIn XX/XX/XXXX I contact.to PAYPAL by phone and ask dispute this transaction and refund my payment in amount XXXX {$.00} However I have following message : if we contact you for more information, please respond within thetimeframe. If you do not respond within the timeframe, the case may beclosed and decided in the seller 's favor. 

Why PayPal not speechify which information will be needed, when PAYPAL contact me and what way PAYPAL will be contact me ( email, letter, phone call, ets )? 

I am already provided detail and I will be more like happy give more detail to PAYPAL to order dispute transaction and refund my payment. 

Here transaction detail : Transaction Date : XXXX XXXX, 2015Transaction Amount : - {$67.00} USDYour Transaction ID : XXXXCase Number : XXXXXXXXBuyer 's Transaction ID : XXXX
XXXX XXXX is showing up on all 3 credit bureaus. I have disputed this acct with the company directly and with the credit bureaus. And they will not remove this account from my profile. I have asked them to provide me with the original loan application with my signatures and they haven't not provided me that. They sold the account to XXXX XXXX XXXX on XX/XX/2016 with an balance of {$4600.00}, I have also reached out to them asking for a copy of the original loan application. My date of both is incorrect when they called to try to verify the account with me.
I am a victim of Identity theft. Someone used my information to open an account with Citibank XXXX XXXX. I was alerted to an inquiry by XXXX on XX/XX/ after someone tried to take over my bank account. I immediately called XXXX and was told that the account had been opened. Explained that I did not open the account and it needed to be investigated. Was treated like I was lying by the fraud rep. She told me ( BUT THE ACCOUNT MATCHES YOUR ADDRESS ). Told her that I did not apply for the account and did not want it. She finally told me that They would close the account and investigate. And then they did not provide any kind of claim number or advise further action. Knowing they did not believe my claim I disputed with the major credit Bureaus. 

Around the last part of XX/XX/XXXXI recieved a bill from XXXX for XXXX. I live in XXXX XXXX and all of the Transactions are from XXXX XXXX  Including one fromXX/XX/XXXX The day the account was opened and have proof I was at a XXXX XXXX XXXX location in XXXX that day. Obviously the account was never closed or investigated as told by the fraud department. 

XX/XX/ Received notification from XXXX  that they verified the account as mine and the dispute is closed. 

XX/XX/ XXXX XXXX Placed another Call to the fraud department. Was told there was not an Investigation started on my first call as suspected. The fraud rep did admit That XXXX knew that the account was fraudulent but said they can not remove the account from my credit reports because it has a balance. I said the balance would not be there if they had investigated the first call. She would not tell me a status only that I am paying the price of their employees not doing their Job. 

XX/XX/XXXXWas transferred to the the Account security department and was told that they just recently opened an investigation and had to wait 90 days. Asked why they validated the account as mine with the bureaus and she said that. Even though they know it is fraud the dispute department will still validate the account. I understand that if they know it is fraud they must remove the account and inquiries from my report immediately. She then said they submitted it to be removed and placed all of the blame on the credit bureaus and said I had to give them 60 days to remove it. I explained again that they just verified this a legitimate account when they know it is fraud and that it is against FCRA laws. She again blamed the bureaus. I asked for future status updates and was denied because they don't do that. Basically I was told they will handle it when they can and I am paying for their companies greed.
On XXXX/XXXX/XXXX we were notified by email of possible fraudulent activity on our Bank of America credit cards. Our cards were cancelled, a fraud report generated, and new cards were promised to arrive XXXX. 

On XXXX/XXXX/XXXX only XXXX card was delivered ( 1 day late ) for XXXX of the XXXX account holders. A complaint was then issued for missing card. New card promised to arrive XXXX. 

XXXX/XXXX/XXXX Received shipping notice that missing card was delivered ( again 1 day late ), but no card had actually arrived. Complaint issued. On the same day there was further suspicious activity ( a declined XXXX cent charge ), so both card were cancelled. XXXX new cards were promised to arrive XXXX/XXXX/XXXX. 

As of XXXX/XXXX/XXXX, no cards had arrived. Called BofA, and they said cards were never mailed ( admitted their mistake ). They said the order was still " processing ''. We were told new cards would be expedited and would arrive on XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX we received an email from BofA saying new cards would arrive in 5-7 days. I called again, and they said they would expedite a different set of cards that would arrive on XXXX/XXXX/XXXX. I 'm not holding my breath!
Hi I had bought furniture a year ago from XXXX XXXX and had promotional like if you pay off in one year there is no interest charged. After promotion is expired they charged me interest charged {$550.00} on {$1100.00}. I talked with them asked charged interest on my remaining balance but they said we are charging on whole purchased amount and now i have to pay interest for whole that promotional year. I do n't know why this is too much charged i have to pay. Please help me on this issued. Thank you
I was charged a offer draft fee XXXX/2017 on my PNC wallet. I had XXXX to cover the transaction, and PNC failed to withdrawal the amount from a pocket of the wallet and unscrupulously charged me XXXX when in fact I had more than enough to cover the charge.
I opened an account with Skrill ( https : //www.skrill.com ) and attempted to send {$50.00} abroad. I was told to use alternative methods of transfers, as the security system flagged me as an undesirable customer. I talked to numerous customer service representatives at skrill and was told to try " a different browser '' or a " different machine '', to no avail. I was never told any details of the problem - finally they offered to close my account and give me a refund.
On XXXX XXXX 2015 I received calls every XXXX minutes starting at XXXX relating to a debit for an employee. I asked them not to call anymore on a previous call, however these calls had no announce just a hang up. I called back to tell them again to stop calling this number and they told me they could only give me their mumbled name of AdAstra. After this request I started receiving calls every XXXX minutes. I called in again and XXXX stated they had several accounts with them and they could not get our number completely removed. Each time I called in and gave the number they only pulled XXXX employees so I know exactly what she was referring with this statement. She then said it was going to be XXXX hour before it was removed and that every time I called in it generated a call. I reminded her that I had asked not to be called over 15 days ago and again on Friday because of their dialer practices interfering with my business and I felt I was harassed. She blew that off and said well do n't call in. I want to point in I only called after the calls became excessive and again when I received a call after asking not to be called again.
I sent a copy of an FTC affidavit of identity theft and a police report to all  XXXX  bureaus. By law they must block the information from my credit reports. To date,   XXXX    complied but  XXXX  has only deleted on account not blocked the information they were required to and I can not tell on Experian if it has been blocked or not.
I mailed Equifax the necessary paperwork to remove the accounts on the credit files that did not belong to me and I have not seen any change and I have gotten no response
On XX/XX/XXXXI contacted Financial Credit Network by certified mail, requested to send certain documentations to show that the debt is in fact mine, which is ( Debt Validation ) they refused to show me any documentation stating that it is, as they continued to file a debt that doesn't belong to me it continued to hurt my credit and caused me to get denied for a credit card. I then sent then a 2nd letter which was sent XX/XX/XXXX which was to send documents that were requested in the first letter and also requesting to send additional information which included 1.the original instrument, 2. their registration details with the financial conduct authority. 3. their registration details with the information commissioners office. 4. their consumer credit license number 5. their public liability 6. their registration details with any other regulatory bodies. the company did not. third letter was sentXX/XX/XXXX requesting the same information needed to show proof that the debt is in fact mine. The company sent a copy of a bill with my incorrect address stating that its mine the amount stated that I owe was XXXX which doesn't prove anything, The company denied to send requested information yet again and now I want to file a complaint because I believe this company is committing fraud.
On Friday XXXX XXXX, XX/XX/2015 I made a deposit of XXXX paychecks at my Citibank branch ATM. On Saturday XXXX XXXX there were a couple of debits to the account, and I withdrew money from the ATM. On Sunday XXXX XXXX my husband attempted to access my online account and was met with a blank account page. He assumed the website was undergoing maintenance and moved on. On Monday XXXX XXXX I attempted to make a withdrawal at my branch ATM and was rejected. I assumed there was a problem with the ATM, and as the branch was still closed went to another ATM location. When both that attempt and a purchase failed I returned to my bank, which was now open. The teller told me that neither him nor anybody else at the bank had any access to my account, and gave me a toll free number to call. I spoke to XXXX different 'supervisors ' when I called. Neither could give me any information regarding my account, accept for alluding to my Friday deposit being involved. I was told the fraud department was handling my case, and that they did n't take phone calls. I was advised to call back in XXXX hours. I called back on Thursday XXXX XXXX, XXXX hours later. I was told they could n't give me any information, and to go into my branch to see my banker. I was on my way to work, so could n't go in until the next day, Friday XXXX XXXX. My banker cleared everything up, opening my account back up, and explained why fraud had been suspected. What he could n't explain is what this complaint is about. Why, over the course of 6 days, did n't anybody from Citibank reach out to me? If I had n't needed to get cash out of the bank on Monday I would n't have known that anything was wrong. If someone had been attempting to commit fraud, I would n't have been given the opportunity to protect myself and check other accounts. I could have accrued fines and had my credit negatively affected from automatic debits not going through. Worse still, If I was alone, with no support network, and no access to my money, I may not have been able get to work, feed my child, etc. I also find it frustrating that all the people I talked to during my XXXX calls were " supervisors '', and that they would n't direct my call to someone who really was in charge.
Equifax inadequately protected my personal information, including social security number, and allowed the information to be compromised and accessed by unauthorized people ( hackers ). This data breach was announced on XXXX XXXX, 2017 but happened earlier in the year but was not immediately disclosed by Equifax.
Back a few years ago, a friend used my name and address to obtain credit in his name. I was listed as a co-signer / authorized user. The  Visa Credit card account was finally closed with a balance. My friend and I agree since we both used the card, to pay off the card balance. Since the Visa Credit card was in his name and he paid half, I agree to pay the remaining balance. I moved out of state while to continue to pay the balance off. The statement was going to his home in  XXXX  and I asked Navy Federal Credit Union to send the statement to my new addr ess in  XXXX . I never gave my friend my new address, but I started to get pre-approved credit offers in the mail. I aske d Navy Federal Credit about this and their response w as " Subject : Privac y, Navy Fe deral Response  XXXX / XXXX /   2017  : Thank you for your messag e. Navy Federal protects the confidentiality of  your personal financial information. We do not sell your information. We only share information with nonaffiliated third parties when necessary fo r Navy Federal business purposes. For example, we share information with consumer reporting agencies. We may also share information with others to process   transactions, to offer products or services approved by  Navy Federal, or to  comply with laws. When we share your personal information with others, strict confidentiality agreements and laws assure that your information is pr otected. Navy Federal  is fully committed to the privacy of your personal financial information.     Your Message  XXXX / XXXX /   2017  : I am join owner of a  CLOSED Navy Federal  Credit Card  XXXX   XXXX   XXXX   XXXX  and I asked that you 'll send the paper bill to myself being that I was paying the bill. What I was n't expected is tha t Navy sha re this information thru some finanical system. I am now getting mail for  XXXX   XXXX  at my current address. Can you stop sharing my information with his name attached to it or please give me some advice in order that I stop receiving  his BAD m ail.      Navy Federal Credit shared my a ddress with  XXXX  of their third party who activated something in the financial system to send his bad collection notices and pre-approved offers.
on XXXX/XXXX/XXXX ACS did a direct Consolidated Subsized and unsubsized loan replacing our FFEL consolidated loan from XX/XX/XXXX. 30 days later it reverted back, with ACS to a FFEL consolidated loan. We have been paying on this loan for over 10 years now with ACS unware, and assuming it was a direct consolidation loan. We have since applied for Public Service Forgiveness to find that it was only a Direct Loan from XX/XX/XXXX-XX/XX/XXXX ... less than 2 months. We have NO IDEA WHY? We do not qualify for forgiveness or can not use our 120 payments because it was never a Direct Loan consolidation. Know one can seem to explain to us why it reverted back 60 days later. This error, or change will cost us dearly. Please refer to attachments to see our payments and the Consolidation history on our Financial Aid summary and how we this can be remedied. We qualify in every other aspect.
I own a home that I am having a difficult time paying the mortgage on, I have tried several times to file for hardship towards the home and have filled out all the documents to the best of my ability. I have submitted and resubmitted all the required documents prior to the deadlines and each time I am told I have missing documents. I 've mailed in the documents, scanned and emailed the documents and they still do not reach the right person or department and then I am denied assistances. I am NEVER able to speak to the person requesting the documents directly I am always told they are NOT available. When I file complaints then I get nasty letters stating I am a liar and that my complaint is baseless. I can not get this my mortgage company to help me in any way. I am about to loose my house, the renters that where in my home skipped out on 2.5 months of rent putting me in a bind. I am currently only working XXXX part- time jobs and can not make up the missing monthly payments so I applied for hardship. I do not have a phone as I am unable to pay for a cellphone or monthly service. I am living paycheck to paycheck and am so tired of the run -around. I need help, this company does not want to help or allow me to seek help and I am out of options to do anything anymore. My credit is in the toilet I have no savings, no hidden money or agenda I need help and all I am getting are doors slamming shut and I am sorry you do n't qualify. My mortgage company refused to help nor can they find any of the documents I have emailed and mailed to them. They claim I never did and I can show that I did. Can you help me?
I have been denied a credit because of in accurate information on my file with Experian Credit Reporting agency. I disputed the info last year and they supposed to delete and or correct it however they did not. I called Experian again today and they told me they will contact the creditors and get back to me. The status information on file shows the accounts were involved in a bankruptcy, however these account were a mortgages and a line of credit were paid in full and never were involved in any bankruptcy. I need your help here to get these derogatory information being removed from the file, since other Credit Bureau has no issue with this. I am in the process of refinancing my house again and buying a new car. Please help me here.

Thank you for your prompt attention.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX   XXXX XXXX
Please overturn all bills said to be owed to XXXX. TCF Floated me money in the phone transactions, that is they made it seem like I had much money in the account due to some kind of ledger issue leading to purchases I would not have made otherwise. Please make my accounts positive as it was an accounting error by TCF. They make accounts appear positive when checking the ledger balance over the phone I was also owed XXXX and XXXX for past bank promotions which would have avoided all negative transactions
Step 1 : What is this complaint about?
1 ) Failure to communicate 2 ) Failure to provide monthly statements 3 ) Only Option provided, Deed in Lieu of Foreclosure Step 2 : What type of problem are you having?
Understanding why Account Audits are declined Understanding why there are so many different pay-off amounts Understanding why Wells Fargos ultimate goal is to create homeless veterans Step 3 : What happened?
Filed Ch XXXX to strip 150K Equity Line that Wells Fargo deposited into my account without consent. During the Plan Well Fargo petitioned to have pre-petition arrears paid. I agreed because I wanted to do the right thing and whatever I could to keep my home. It was at this point my Bankruptcy Payment tripled, I was no longer receiving statements nor would Wells Fargo answer any questions, only to 1 ) Refer me to their attorney in Alabama [ I think ] and I advised my attorney, 2 ) I 'm no longer eligible for a monthly statement due to bankruptcy.
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It was at this point [ XXXX 2016 ] that I discovered that Wells Fargo would only send statements to my attorney and he didnt know they refused to speak to me or send me statements. It took several months to convince Wells Fargo that I should be received a statement. Only after we decided to go back to court, that I personally started receiving statements. This was when I discovered that I had accumulated are large arrears.
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Step 4 : What company is this complaint about?
Wells Fargo Home Loans Step 5 : Who are the people involved?
My Representatives that are trying their best to help me keep my home XXXX XXXX, Bankruptcy Attorney XXXX XXXX, Mortgage Professional [ 40+ yrs exp ] XXXX XXXX , Real Estate Professional [ My advisor for 20+ yrs ] Wells Fargo many & various, currently XXXX XXXX XXXX ext XXXX. Normally hang up after 15 rings but when I can leave repeated messages they have proven futile.
I have been penalized for paying off my debts. My credit score is terrible, and the mortgage lender is threatening to refuse my mortgage loan or not honor the rate set. The scoring system is deeply flawed. The credit score does not reward financial responsibility. My score always plummets immediately after I pay off my mortgage. I have no time to find or build a new home with a good credit score. 
I do not want to use credit cards, and the system requires that in order to have a good score. This encourages debt. It has nothing to do with credit worthiness. I have had XXXX mortgages, XXXX auto loans and several student loans. All have been paid on time and closed with no incidents. Nevertheless, I have a " fair '' credit score. They drop mortgage loans after a few years so that lenders do n't see the history. So, they penalize people who stay in the same house for a period of time. I would like for something to be done about this. It is wrong.
Collection showing on my credit report owned by Credit Protection. This company is n't licensed in the state of Florida to collect. Therefore I am disputing the validity of this collection activity.