WillisBack/dataset-financial-user-claim huggingface dataset:
I once owned a home at XXXX XXXX XXXX, XXXX, IN. I moved out my house around early XXXX due to it being placed up for auction while I was working with a company to do a short sale so as to avoid foreclosure even after having the house on the market for months. Litton Loan Servicing led me to believe they were working with the company in this effort. I still had several pieces of property in the house when I returned home to find people in my house saying they had just bought the house in an auction. I became very very despondent and depressed. So now the economy is going up in flames I lose my job about 2 years later and during the time I 'm living in a XXXX bedroom apartment I watched other people get help with their struggles of keeping homes. Programs are developed to help people but I 'm left to eventually filed bankruptcy in XXXX. I did n't think anything of it when people spoke about lawsuits and prime lenders and other things. But i am currently searching for information on my situation resulting from Litton Loan Servicing who held my mortgage. Please assist with any information possible.
I obtained a loan through Exeter Finance Corporation on XXXX/XXXX/XXXX. The original principal was XXXX, APR 25.02 %, monthly payment of XXXX, due the XXXX of each month. Before making my first payment I created an online account. After making my first payment on XXXX/XXXX/XXXX, I was no longer able to log into my account and could only rely on the paper bill statements I received each month in the mail. I just gained access to my account yesterday ( XXXX/XXXX/XXXX ) after mentioning the consideration of filing a complaint with CFPB. The statement generated on XXXX/XXXX/XXXX stated a balance of XXXX ; however, when I was able to log onto my account yesterday, my balance was at XXXX ( this was before my payment for XXXX posted ). Today ( XXXX/XXXX/XXXX ), after my XXXX payment posted, my balance is now XXXX. While speaking with a manager in the customer service department today is was provided a verbal explanation of the allocation of my principal and interest, from each payment starting on XXXX/XXXX/XXXX, and is as follows : XXXX Principal:XXXX, Interest:XXXX, XXXX Principal:XXXX, Interest:XXXX, XXXX Principal:XXXX, Interest:XXXX, XXXX Principal:XXXX, Interest:XXXX, XXXX Principal:XXXX, Interest:XXXX, XXXX Principal:XXXX, Interest:XXXX. Total Interest paid to date:XXXX, total principal applied to date:XXXX. According to my calculations, XXXX should have been applied to the principal balance to date, additionally, I do not understand the amortization of the loan, as it is inconsistent. Once the customer service manager took a look at my account and tried to explain the discrepancy, she put me on hold, then came back on the line and said she was sending my account to a specialist to further evaluate it. Her actions made me feel as if she was trying to avoid any more contact with me during the call to protect the company, and give them time to cover up what they are doing. I am a compliance assessor for a mortgage lender, and work every day to make sure all consumers are treated fairly. Having experience in assessing files in the financial industry, i can tell when something is n't right. The customer service department does not willingly provide information, as if they are under pressure by senior management to keep their business practices quiet. Again, once I made them aware of my experience, and that i was going to file a complaint with the CFPB ; I gained access to my account online for the first time in 6 months ( after attempting to do so multiple times ), and my account balance changed 2 times in 2 days, once before payment was made and after once after payment was made but both changes occurred after the mention of CFPB. The corporate office is also impossible to get in touch with. I have left a voicemail at he corporate office and have yet to receive a response. If they are improperly allocating my funds, then they are doing it to other people as well. Exeter Finance Corp is located in XXXX, TX.
I have disputed XXXX XXXX many times because they continue to report inaccurate information such as the balance and notating it as key derogatory every month which causes my credit score to go down. They continue to confirm and verify the information is reporting inaccurately.
I flew to XXXX XXXX on XXXX XXXX on Friday XX/XX/XXXX and flew back to XXXX on Monday XX/XX/XXXX. On the way back the flight attendant made a pitch, like they normally do on a XXXX flight, for passengers to sign up for the Barclays XXXX XXXX credit card. She said that if we filled out the application that she was giving out on the plane instead of going online and filling it out we would receive 50,000 bonus miles as long as we made {$500.00} worth of purchases in the first 90 days of having the card and paid the annual fee. 

So I filled out the application, got approved, and got my card in the mail a few weeks later. I charged over {$500.00} my first month and my second month and about {$300.00} my 3rd month and paid the balances off in full every month so I qualified for the bonus miles after the first month. 

My bonus miles never appeared on my statement or online. I have another Barclays card so they both showed up on the barclays site but my miles did not show up on the Barclays site i go to pay my bills or the XXXX site where they should be and where i go to book travel via XXXX. 

I made several calls to XXXX to ask why my miles did not show up. On XX/XX/XXXX the Customer Service Rep explained to me that my miles were there but were just attached to my other Barclays card. Sounded reasonable so i thanked him but when i went to the Barclays site the next day they were not there. It was just the points I had accrued using that card. 

So I called again to XXXX XXXX customer service on XX/XX/XXXX and finally the rep acknowledged that the miles were not there and transferred me to someone in another department and said that my 40,000 bonus miles would be taken care of plus the miles from the purchases i had made on that card since i got it. 

So after talking to the CSR who was supposed to help me she said she took care of it and now they should show up. I thanked her but told her that I should have gotten 50,000 miles per the offer the flight attendant gave on the XXXX flight from XXXX when I applied for the card. She said sorry there is nothing she can do about that, the offer is only good for 40,000 whether applied for online or on the plane. 

So .... after trying to get my miles to even post for over 3 months they are finally there minus the 10,000 miles we were all promised on the plane. For what it is worth I am not the only person who filled out an application that day and i can give the XXXX ref # for that flight in case someone who filled out the application can be reached out to and asked what the verbal offer was. 

Feel duped into applying for the card and had to work WAY too hard for my miles to even post. After using these miles i will be cancelling this card. 

Thank you for hearing me out and feel free to reach out to me : XXXX XXXX XXXX XXXX XXXX
Company : XXXX XXXX  XXXX Location : XXXX, Virginia Address : XXXX XXXX XXXX XXXX XXXX Number : XXXX Suspect : XXXX/XXXX  XXXX XXXX   XXXX XXXX Number : XXXX I recently started a business and I was looking to open a business

account with XXXX XXXX, however, after the bank representative told me that I couldn't I figured there was something going with my credit. I went home and checked my credit and saw a HARD check from this company listed above. Other Details : Recently I was granted a 2 year protective order against my biological father, and I believe he works at this company. Statement : This was done without my authorization and I am incredibly upset.
Home Point incorrectly put lender-placed insurance on my account, causing my monthly payment to skyrocket. I emailed Home Point proof of insurance on XX/XX/XXXX, and on XX/XX/XXXX, a Home Point Insurance Processing Associate ( XXXX XXXX ) emailed me the following email : " Thank you for contacting Home Point Financial, also thank you for providing the insurance information. The account has been updated and the documentation has been saved in our system. The Lender Placed will cancel, you will received a letter and the funds that were charged against you will be refunded. '' However, Home Point has not refunded me the charges, and in fact, is still charging me for the lender-placed insurance. 

I have literally spent hours on the phone with Home Point trying to resolve the issue. During one call a few months ago, a Home Point representative assured me that I would receive the full refund in XX/XX/XXXX, after they do an escrow analysis which was scheduled for that month, and that my mortgage statement would reflect the proper amount at that time. I have not yet received my refund and my statement still reflects the incorrect amount with the lender-placed insurance on it. 

Yesterday, a representative at Home Point told me that I will continue to be charged the lender-placed insurance until XX/XX/XXXX. The representative also told me that I should have received an escrow refund check in the amount of {$800.00} in XX/XX/XXXX, but I have not received any check from Home Point, and the amount that Home Point owes me is closer to ( if not more than ) {$2000.00}. The representative then told me I would have to wait until next XX/XX/XXXX to receive the remaining amount, because they only run the escrow analysis once a year. 

I'm at my wits end. I've called dozens of times and have been incorrectly charged thousands of dollars for lender-placed insurance. I don't know what else to do. Please help. Please.
Had a medical bill of {$730.00} from XXXX XXXX hospital in  XXXX, Ga. The bill was sent to collections mid XX/XX/XXXX. The collection agency is called State Collection Service in XXXX Wisconsin. 
I paid off the {$730.00} in XX/XX/XXXX with my HSA. I have the proof in my statements. For some reason, in XX/XX/XXXX, after the bill was already paid in full, XXXX XXXX hospital sent the bill to a SECOND collection agency ( called XXXX XXXX XXXX XXXX. In XXXX, FL. ). This is now on my credit report, negatively affecting my credit, dropping my score quickly. 
I've made numerous calls between the hospital and the collection agency, and no one will listen to me. State Collection Service told me they show where I paid the bill XX/XX/XXXX, but that it's the hospital 's responsibility to fix it, not theirs. XXXX XXXX says they show no record of the bill being paid. They say the Collecting agency needs to report to them that the bill was paid. One keeps sending me back to the other and neither will listen or help. 
While all of this is happening, my credit score continues to suffer.
XX/XX/XXXX the borrower contacted AES to inquire how to process a co-signor release which the grandmother had signed for back in XX/XX/XXXX. AES is the lending institution and XXXX is the collection agency they use to process the payments, collect overdo payments, and make the calls. The representative for AES stated that the loan was taken out prior to when the co-signor release law with was instituted, so the loan was not eligible for that option. The grandmother is XXXX old and is trying to finalize any issues with her Estate that may be generated upon her death. The grandmother has received statements that have provided details that the loan is current and has been for more than 3 years. It is not believed that the information AES is providing is not accurate and in fact is a lie. The borrower has paid over the amount in interest payments that the original loan was taking out for.
Signed up for a in store promotional credit card at XXXX XX/XX/XXXX Te deal was for {$35.00} XXXX credit on 1st purchase. 

I went ahead purchased four tires for {$320.00} at that time. XX/XX/XXXX Failed to receive the {$35.00} credit on billing statement XX/XX/XXXX. 
I called Walmart, they assured me it would be on the next bill statement. 

Now it is XX/XX/XXXX still no credit on latest bill statement. 
Made another call today, the tell me now their was some coding issues that caused latest error.
Wells Fargo stopped accepting my payments as of XXXX. I went to the branch and they would not accept the payment. I feel I am at risk of having my home taken from me as I fell behind but tried to keep up and for the past year, have had a XXXX way communication as I have not had a personal reply, only generic letters offering to help. 
I do n't wish to have a modification as I have a low interest rate, I just need time to catch up or a forbearance. I have made payments since 1993 and have a lot of equity so that is why I believe the bank has stopped accepting my payments. 
This has been very stressful and especially in the past month not knowing what is going to happen. I have called but always get transferred around and I also had my daughter call but they said there is no authorization. I had sent in an authorization a long time ago, and most recently sent another, which I have attached. I am beginning to feel this is discrimination as I am a senior citizen as well as XXXX! 
I also contacted the Board of Directors for Wells Fargo and still no reply. It seems that, that is their way of doing business. I have for the past year sent corresspondence and all I get are generic letters advising they can assist with XXXX programs. Well I have asked, I need a human person to reply and address my specific concern!! Although, today we were told that it was best to fax the documents instead of mailing. GO figure! 
I need assistance to not lose my home and have the bank accept my payments and get back on track. Also not rack up made up fees for attorneys! I appreciate your assistance in this matter.
My identity was stolen and someone use my information to opened number of account 's in my name it's causing me too much stress with my wife XXXX, XXXX. 
Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$1500.00} Balance Updated - Credit Limit - Past Due Amount {$1500.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX  XXXX, XXXX, IL XXXX Ownership Individual Original Creditor XXXX XXXX XXXX XXXXompany Sold-to - Original Amount {$1500.00} Comments - DISPUTE GUIDEPRINT XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$180.00} Balance Updated - Credit Limit - Past Due Amount {$180.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Ownership Individual Original Creditor XXXX XXXX Company Sold-to - Original Amount {$180.00} XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$900.00} Balance Updated - Credit Limit - Past Due Amount {$900.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual Original Creditor XXXX Company Sold-to - Original Amount {$900.00} Comments -
I want to file a Mortgage Fraud Claim Against Embrace Home Loans. Embrace Home Loans has refused to correct my XXXX from XX/XX/XXXX through XX/XX/XXXX. Embrace Home Loans has not sent me a monthly loan statement since XXXX XXXX. My mortgage has been transferred to XXXX different offices in the past 5 years, XXXX of them Mortgage Loan Servicing companies, XXXX was XXXX XXXX in XXXX XXXX, Virginia and the XXXX XXXX is XXXX XXXX XXXX XXXX XXXX in XXXX, North Carolina. XXXX XXXX Loans is trying to take my equity of approximately {$11000.00} to {$12000.00} and foreclose on my home. XXXX XXXX XXXX XXXX XXXX has sent me e-mails and letters stating they would review the proof of payments for my balance being so delinquent. XXXX XXXX transferred a balance of {$120000.00} due for XXXX XXXX and based on the most recent letter dated XXXX XXXX, XXXX received from XXXX my XXXX payments of Mortgage Principal, Interest and Escrow payments for XX/XX/XXXX and XX/XX/XXXX have been applied to that balance that is fraudulent. I have no monthly loan statements from XXXX XXXX and neither XXXX XXXX to know what my money was applied to. The recording says I owe for XXXX XXXX and has no balance as of today XXXX XXXX, XXXX. Where do I send my payment for XXXX XXXX which I will overnight on Friday Morning XXXX XXXX, XXXX. Please see attached files. I want my mortgage principal, interest and escrow accounts brought current. I want corrected XXXX from XX/XX/XXXX through XX/XX/XXXX. Please see attached files for supporting documentation.
My Uncle and I opened a Bank Of America credit card last year. Bank of America mailed out new credit cards without advising us. They said the cards went out activated. They said the cards must have been intercepted per Bank Of America 's customer service representative. Fraud charges were charged on the card, they all but accused us od doing it. The person that did the fraud was able to make charges, make fraudulent payments and charges in another country. Bank of America did not do their due diligence in protecting the account and our information. They also sent info to the credit bureau closed due to fraud by credit grantor which made it look like we did the fraud. So after all of this they are telling us they closed the account and we would have to reapply for a card. This should be illegal, so if they deny the credit card being reopened it 's negative and if they open it it 's a ding on our credit report. We should not be penalized for this. I am not going to ra apply, we should just be issued another card and we should be able to close the account not them. They punished us the customer for something we did not do. This is less than a bank and I believe the fraud is an inside job. Too much happened on the account for it to be an outsider. Please help us resolve this issue.
I have been trying to disputes these debts since XX/XX/2017. Have sent letter by certified mail continuously with no response from either of the credit bureaus other than the account has been verified its mine. I have asked over several occasions please provide proof of verification, results from the investigation and where did the information from the investigation come from. I have contacted the collection agencies for proof or validity of the debt no response other than copies of statement for three random months that could be fake with my name on it. And the information is correct to any address I ever live.
Checking my credit without my permission. Also, still trying to say I owe money when they garnished my check. They also sent false garnishing papers from my employer, and had to refund my money.
I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, Transunion, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit Reporting Agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking the time to read my complaint.
I am attaching a section of my credit report which shows my two XXXX XXXX XXXX auto loans from XX/XX/2005. The account numbers on my credit are # XXXX and # XXXX. I am filing this complaint because the credit bureau is incorrectly reporting that these accounts were past due and at one point, a " redeemed repossession ''. This information is not accurate. These accounts were paid in full years ago but I was never past due on them and they were never repossessed. I do not understand why they are reporting this negative information. I have been disputing these mistakes with the credit bureau for over two years, going back and forth with documentation showing that they were never late. The only responses I have received are that the information has been " verified '' and they will not update this account. I can't take this anymore and I need the assistance of the Consumer Financial Protection Bureau to help me with my issue. I have my old statements to show these loans were never late or repossessed but more than that, I called XXXX XXXX and their own representatives have confirmed to me my accounts were never negative. This is what puzzles me. How is it possible for the credit bureau to come back and say the negative information is accurate when the original creditor itself, XXXX XXXX, is telling me otherwise. This is the reason I am filing this complaint. Their negligence and refusal to help me fix this issue will no longer continue.
IM RECEIVING LETTERS OF INTENT OF FORECLOSURE FROM MY MORTGAGE COMPANY AND IVE MADE MY PAYMENTS I HAVE MADE THE LAST 2 MONTHS OF PAYMENTS AS PARTIAL PAYMENTS BUT THE WHOLE AMOUNT FOR EACH MONTH HAS BEEN SENT TO THE MORTGAGE COMPANY. EVERYTIME I CALL THEY TELL ME THAT THEY DONT SEE WHERE IVE MADE A PAYMENT BUT I KNOW THEY RECEIVED IT BECAUSE IT HAS BEEN TAKEN FROM MY CHECKING ACCOUNT JUST LIKE IT ALWAYS HAS SINCE MY LOAN WAS SOLD TO THEM. THE MORTGAGE COMPANY HAS SENT SEVERAL CERTIFIED LETTERS OF INTENT OF FORCLOSURE AND HAVE HAD A CONTRACTED PERSON COME TO MY HOUSE AND SERVE PAPERS AND WANTING TO TAKE PICTURES OF MY PROPERTY. IM NOT EVEN A MONTH BEHIND ON MY PAYMENT SO I DONT UNDERSTAND WHY ME AND MY FAMILY ARE BEING HARRASSED LIKE THIS.
I have been receiving threatening mail correspondence from Hood & Stacy attorneys at law regarding an alleged debt - account that was opened back in 2004. This account was disputed to the financial institution due to identity theft. Now, this office is attempting to collect the amount of {$8000.00} for charges that I am not liable for. I asked them for verification of the debt, and they sent me a contract agreement containing a forged signature, which by all means is not my real signature. They also provided me with an address that I did not have at the time I supposedly opened this account. I also ask them to provide me with details of how the amount was calculated since I was curious, and they failed to do so. Now, I am receiving harassing correspondence from this office, and I would like for them to stop any collection activity since I am not liable for any portion of the debt.
The bank I have a checking and saving account with Santander charged me XXXX separate charges for overdraft fee when the account was not deficient. 
They chose to process debits before the credit which was deposited 3 days prior. 

this is a common dishonest practice and I want the XXXX back!
This debt collector represent an auto insurance company. The insurance was cancelled before the next billing date. They insist that I owe them a bill. When they called, I tried to explain to them that I did not owe the payment, the caller had a rude and out rate attitude. Later I started getting harassing phone calls where they would call me and hang up when I answer.
On XXXX2016 I brought a XXXX XXXX XXXX XXXX  The dealership I purchased it from was XXXX XXXX XXXX.The agreement was for 75 months at {$350.00} at a 12.4 % interest. I did not understand that the 12.4 % was not the actual total interest that will have to be paid. I believe that I was targeted and received a predatory loan. I believe that most of their customers received better rates and access to higher end cars. Nor was I told that I had time to opt out of loan. I was told that I was getting a {$2000.00} discount for the one year depreciation which I never received.