WillisBack/dataset-financial-user-claim huggingface dataset:
I made several good faith attempt to settle my account with Santander. They repossessed my car without my knowledge and submitted everything to a XXXX XXXX that I no longer use. They are constantly adding additional fees to my account which should be closed. I am requesting that these charges be removed from my credit file. I do not think that they handled my case accordingly. The interest rate was extremely high. The communication to help for financial hardship was poor.
I obtain a XXXX XXXX from XXXX XXXX XXXX, making my monthly payments on time, even got an increase of credit. Well in late XX/XX/XXXX i received notice the current credit card was being transferred to a XXXX card and they will send notice when the new card has been sent out. I continued to make my monthly payment on time, during the months of XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX i called XXXX in concern because i had not received the new card, i was told due to the Holidays the delivery of the card maybe delayed XXXX XX/XX/XXXX XXXX. When i spoke to the individual in XXXX, i could not make any payments as the account showed the balance as zero, i called in again to make the payment and they wanted to charge me a phone fee, so i we went back in front on how i do n't see as a customer who has n't received the new card to set-up the online account to make a payment should pay a phone fee. The individual got rude so i hung up. No communication from this company but today i receive a voice mail from a male stating he was on his way to my home and if i was n't in he would be traveling to my place of employment to serve me papers. He left a number and a case # but no information as to what this was in regards to. I called the number left XXXX XXXX XXXX, the gentlemen who i spoke with stated they were suing me for {$1900.00} on a so called {$580.00} balance ( which the balance should have been around {$350.00} from the last time i made a payment ) stated, XXXX had written off and sold the account to them. I have never received any communication from XXXX or this collections company so how can they immediately sue for something that XXXX was negligent in not providing the new card or account information for me to continue to make payments? Please review and help on this matter.
My wife and I are having a lot of problems with BMO/Harris. We 're now seeing the same check going through twice and SOMEHOW the check seems to land in an area where I was short -- SO & lt ; I will be charged XXXX NSF fees for the same CHECK! Now, I got one of them reversed, and YESTERDAY I went there to talk with the bank manager in XXXX, WI and I know that she could see that it was going to be charged another NSF fee and she did n't say anything about it. I ca n't trust them, by the end of this month, I plan on taking all of my monies out and transferring it to another bank.
Fidelity Information at XXXX XXXX XXXX XXXX, XXXX CA XXXX continues to report negative information to XXXX that I owe money to XXXX XXXX XXXX a property management company where I use to live. When I resided at this property I paid my lease up for a year in advance and when I moved out had no issues. I just recently went to apply for an apartment and was told I was denied because I had an eviction from this property. I keeping all my documents for seven years or more went back to old documents like my receipts for payment of rent and all of my move in documents disputed this debt. I also went to county records to see XXXX XXXX did in fact file a eviction process because I lived out my lease and had no idea that an eviction was filed. I found that an eviction process happened but was later volunteer dismissed by XXXX XXXX. I printed out this information and disputed the fact that I was never notified that a eviction had taken place one and two that I owed this property management company any money. And why would I I lived out my lease and paid my rent for the year in advance. This company Fidelity Information continues to calm that I owe XXXX XXXX XXXX money but can not provide me any documents supporting there calm. I sent a certified letter disputing there calm and asking them to stop sending negative reports and calms to the credit bureaus to there company XXXX XXXX in XX/XX/XXXX and again in XX/XX/XXXX. And they keep saying that they never received the documents I sent but it shows by mail that it was delivered to this company. I have also asked for them to send me a copy of there documents with this so call calm. If I owed XXXX XXXX XXXX any money they did not notify me at any time after I moved out and then the eviction they filed which I still to this day do n't know why, would not have voluntarily dismissed the complaint for eviction. This company Fidelity Information have questionable practices and should be investigated. Also I looked up this debt ( if there was a debt ), and this is a Time Barred Debt and the statue in my state is 5 years.
My personal identification and credit information was allowed to be released by Equifax through lack of adequate cyber security and that theft of MY information was withheld from me for over 1 month. This has caused me to incur costs to freeze my credit ( through all three credit bureaus ) to prevent future credit theft. 
Equifax has acted unlawfully by withholding this theft of my information from me, by conducting insider trading in the selling of company stock after the cyber breach and before they publicly acknowledged it, and by not providing me with long term credit and identity fraud protection.
I was not aware of a pending payment amounting {$260.00} as a medical bill as, my address changed and I did not receive any communication from the agency 'Nationwide Recovery Service '. It showed up on my annual credit report. I called and paid it through my debit card asap on XX/XX/2017 and all I asked for a payment confirmation or receipt of the payment. I was told that full letter will be mailed to my address in 10 business days. I requested an email confirmation sooner than 10 business days as I am traveling abroad before that. 

I was made fun of and laughed at by XXXX. I felt like she was rude and insensitive. Hence, I asked to speak with a manager.
I applied twice for a mortgage modification for my Ocwen loan which I desperately needed. Both times I was told I could not get a modification because I was n't late on any payments. Both times they told me I had to be make late payments ( or no payments ) for 2 months. ( this information is on several recorded phone calls. ) As I understand it, the banks are not allowed to force you to make late payments. The third time I applied I met the criteria of being late 2 months and I was given a modification. In the interim my credit card companies all lowered my balance amount so I ended up with almost no credit for emergencies. This too pushed the score down even further. I can not imagine how long it will take me to recover my good credit. I would have qualified the firs time I applied had they not insisted that I make late of skip 2 payments. I did have an ARM. Each application I ended up with probably 6 different people as my point of contact. You can not get help over the phone. The people who answer are very difficult to understand as XXXX is their XXXX language. If you have questions, there is no one to talk to.
I am trying to sell my townhouse in XXXX, NJ. The buyer is attempting to get a loan and the lender has postponed the closing date because of an issue they ca n't resolve 2 times and are attempting to postpone the closing scheduled for Friday, XXXX XXXX, 2016 ... AGAIN!! That is the 3rd time!!! I believe it is a computer issue, but I ca n't fathom how it takes weeks to correct it. I am filing this complaint against them.
Recently receiving all this mail from NelNet, Ive personally never heard of such company. Inside were all these bundles of papers saying I owe them money. When Ive never signed up nor know of this company. Recently signing up for XXXX XXXX nothing they want over 800 dollars by XXXX/XXXX/2018. I  have not received any mail from this company over couple months. Im just looking for answers about what this company is and how they got my information, I never signed up for
On XX/XX/2016 I took out a title loan on my car for XXXX . I was suppose to repay the loan by XX/XX/XXXX. I lost my job during that time and my apartment. I did n't get to pay the loan on time. I recently got a new job and contacted Loan max to start taking care of the loan but the minimum payment they need me from is basically the entire loan amount. Please help.
XXXX XXXX with XXXX XXXX XXXX has been harassing me about a debt that was included in my bankruptcy in XXXX 2015. They have been calling my mother 's home also threating to take me to jail and it has been going on for months.
IN XX/XX/XXXX I RECEIVED A FIRST MORTGAGE FROM XXXX XXXX FOR A NO DOC LOAN TO PURCHASE A CONDOMINIUM IN XXXX FLORIDA. I MADE REGULAR PAYMENTS UNTIL THE REAL ESTATE CRISIS OCCURRED IN XX/XX/XXXX AND THEN BEING IN THE REAL ESTATE BUSINESS MY INCOME FELL TO NOTHING. I COULD NO LONGER MAKE PAYMENTS. AS SOON AS THEY ACCELERATED THE LOAN I APPLIED FOR A MODIFICATION AT THEIR INVITATION. THAT PROCESS TOOK TWO YEARS AND I WAS DENIED. 

THE BANK THEN AGREED TO A SHORT SALE AND WHEN I RECEIVED AN OFFER THE BANK CHANGED THEIR MIND AND REFUSED TO SELL THE CONDO ON A SHORT SALE. THIS TOOK A COUPLE OF YEARS TO PLAY OUT. 

I THEN WENT TO MEDIATION WITH THE BANK AND THEY AGREED TO A DEED IN LIEU OF FORECLOSURE. MY ATTORNEY PREPARED AND SUBMITTED THEIR APPLICATION AND THEN THEY CHANGED THEIR MIND AND DID NOT ALLOW IT. 
I THEN SUED THE BANK FOR PREDATORY LENDING AND RECEIVED A DEFAULT JUDGEMENT BECAUSE THEY DID NOT APPEAR IN COURT. THE JUDGE SET THE FORECLOSURE ACTION ASIDE. 
FIVE YEARS LATER I SUED TO SET THE MORTGAGE ASIDE AFTER THE 5 YEAR STATUTE OF LIMITATIONS EXPIRED WHILE THERE WAS NO FORECLOSURE ACTION IN PLACE BY THE BANK. THE JUDGE RULED IN MY FAVOR AND THE MORTGAGE WAS SET ASIDE AND CANCELLED. 
THE BANK THEN APPEALED TO THE FEDERAL COURT TO HAVE THAT DECISION SET ASIDE. THE FEDERAL COURT JUDGE REVERSED THE STATE COURT RULING. WHILE THAT ACTION WAS PENDING THE SUPREME COURT OF FLORIDA RULED THAT ALL SUCH ACTIONS WERE TO BE PUT ON HOLD UNTIL THEY RULED ON THE 5 YEAR STATUTE OF LIMITATION. TWO YEARS LATER THEY CHANGED THE LAW IN FAVOR OF THE BANKS AND RULED THE 5 YEAR STATUTE DID NOT APPLY BECAUSE THE MORTGAGES WERE STILL ON RECORD THEY COULD FORECLOSE A SECOND TIME. 
IN XX/XX/XXXX EIGHT YEARS AFTER I STOPPED PAYING ON THE MORTGAGE, I REAPPLIED FOR A MODIFICATION WITH THE MORTGAGE SERVICER, SHELLPOINT MORTGAGE SERVICING, AT THEIR INVITATION. I HAVE SUBMITTED EVERY DOCUMENT THEY REQUESTED OVER AND OVER AND AFTER MONTHS GO BY THEY AS FOR THE DOCUMENTS AGAIN BECAUSE THE DATES ARE TOO OLD. THEY HAVE DONE THIS SEVERAL TIMES THIS YEAR. THEY NEVER GO TO LOAN COMMITTEE. 
I HAVE REQUESTED THEY REDUCE THE MORTGAGE BALANCE TO AN AMOUNT THAT I HAVE THE ABILITY TO PAY DUE TO THEIR MAKING THIS NO DOC LOAN TO ME WHEN THERE WAS NO WAY I COULD HAVE QUALIFIED WITH NORMAL DOCUMENTATION. I AM PREPARED TO BEGIN PAYING THE MORTGAGE WHEN AND IF THEY SETTLE WITH ME ON A REDUCED MORTGAGE AMOUNT.
In about XXXX of XXXX, I began applying to XXXX here in XXXX, MI to refinance my Mortgage which was being serviced by CitiMortgage Inc. ( CMI ) As this was happening, CMI decided to sell the servicing of my Mortgage to XXXX XXXX XXXX. ( XXXX ) Therefore, as I was finishing up the process of refinancing my loan with XXXX, I began making payments on my Mortgage to XXXX. 
The problem began when XXXX began to itemize a debt that I did not recognize. XXXX called it " Corporate Advance Balance ''. And they gave this definition, with an asterisk, for it on my bill : " Corporate Advances represents monies advanced by servicer to pay taxes, insurance, and any other amount currently due that are not part of an escrow account ''. And it did not appear on my Monthly Billing Statement from XXXX, until the third statement from them, on XXXX/XXXX/XXXX. The amount was {$370.00}. When I inquired, XXXX never did clearly explain what constituted said {$370.00}. XXXX continued to hold me responsible for said " Corporate Advance ''. When we closed with XXXX to refinance my Mortgage Loan with them, XXXX included the {$370.00} in their Payoff Statement of XXXX/XXXX/XXXX to XXXX. My XXXX Loan originator, said he spent considerable time with a XXXX representrative about the matter, with no success. I was advised to go ahead and accept the charge for now, and to try to hold CMI/XXXX responsible for the Corporate Advances later on. This is what I 'm doing now. I have done some research to determine where the {$370.00} came from, so to speak. On XXXX/XXXX/XXXX, I was able to speak with a worker at CMI over the Tele. 
He was able to quote me what comprised the {$370.00} Corporate Advance that CMI passed on to XXXX : XXXX/XXXX/XXXX : {$260.00} for Title ( something ) / XXXX/XXXX/XXXX : {$9.00} Certified Mail / XXXX/XXXX/XXXX : {$9.00} Certified Mail / XXXX/XXXX/XXXX : {$92.00} Publication Fee / XXXX/XXXX/XXXX : XXXX Pub. Fee. This adds up to {$370.00}. CMI and XXXX have conspired, through means of a " Corporate Advance '' of forcing me to pay for charges I had never been billed for by CMI, which CMI passed on to XXXX and which XXXX forced me to pay when they included the " Corporate Advance/s '' of {$370.00} in their Payoff Statement to XXXX on XXXX.
I got my student loans with Key Bank starting in XXXX 2000. I have been in repayment for 3 years. I recently had major surgery and was out of work a couple of weeks. They called me twice a day until I made my monthly payment. Every time they called I would ask to connect with a supervisor and after XXXX minutes I would finally get through. I asked for graduated repayment or any other assistance they might offer several times. Even in the hardship I was in I was told I am not eligible for any of those programs because I have been in repayment longer than 18 months and they no longer even give student loans so there was no department I could appeal to. Every bank I look into has much higher interest rates or do not accept balances as high as mine. I attended XXXX College which is a private school with high tuition and I 'm paying a student loan that is as high as a small mortgage. It 's a real struggle seeing as I 'm only a XXXX. Any guidance would be appreciated.
wells fargo refuses to give me the title company information wells fargo falsified my title to allow the modification. 
Wells Fargo is skirting around the title issue. they provided a XXXX page title saying this is all they found when they completed the modification a judgement. judgements do not go on title liens do. 
there were XXXX and attached is XXXX pages showing the total title wells neglected to obtain. if the title company had completed there job properly these would have been found and addressed over 2 years ago when the modification started. they say everyone else is wrong but them. 
they saw the errors, the now about the phone calls I received to redo modification papers 6 months later, they know there was XXXX XXXX title insurance on my policy when I took my mortgage out. XXXX XXXX covers : XXXX ) If the declaration creates a lien for maintenance assessments, all assessments outstanding for the period of time prior to closing must be paid and the declaration must state that the assessment lien is subordinate to the lien of the insured mortgage. In the states of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX state law provides that certain condominium assessments have priority over first mortgages. In those states, do not issue the XXXX Endorsement XXXX on first mortgages unless you delete paragraph XXXX or unless you add an exception pursuant to our local underwriting guidelines ; otherwise, you should issue the XXXX XXXX endorsement in those states or you should secure specific underwriter approval. In many states, assessment liens are superior to all mortgages except first mortgages. In all states issue only the XXXX XXXX endorsement on Loan policies covering subordinate mortgages unless you secure Underwriter approval to issue the XXXX XXXX endorsement. 

so again wells takes no responsibility for there mistakes. 

I will be calling XXXX to discuss the errors and refusal by Wells Fargo to deal with there errors properly. 

by closing this case and saying there was nothing you did wrong is a joke. 
I do not believe this was handled properly at all by anyone at wells fargo. 
so now I take my fight higher since YOU STILL DO NOT CARE HOW YOU FALSIFY DOCUMENTATION AND THEM BLAME A BORROWER, advise why title was changed, advise why you did n't provide the liens - there are no XXXX different title reports and it is not based on the county since the same title companies provided the paperwork but yours did n't show the truth.
In XX/XX/2013 I was having problems with mortgage payments to Bank of America who had recently purchased my mortgage from COUNTRYWIDE. A letter was sent to me with a statement " Amount of DEBT DISCHARGED " in the amount of {$50000.00}. At around that time I had talked to an attorney who suggested that I filed bankruptcy, I had agreed and went with him to Bankruptcy Court to file the papers. While at the court I changed my mind and did not want to continue filing. My attorney agreed with me and I left without filing the papers.

My mortgage statements for the past year has been showing Non-interest bearing principal balance {$50000.00} every month.This amount is added to my Principal monthly. I have a copy of the letter showing DEBT DISCHARGE. I am also told that a Bankruptcy is s Please hown on my files with B of A. Please investigate this matter.
In XXXX 2015, I came across an offer stating that if I applied for a citigold checking account using a promotional code, I would be eligible to receive XXXX AAdvantage Miles if I met the following conditions : a. Spent {$1000.00} of money in the checking account. 
b. Made two qualifying bill payments in consecutive months. 

I decided to call Citibank to confirm that this was not a scam. I called and spoke to a Customer Service Representative who assured me that I was in fact eligible for this promotion and that If I opened an account over the phone, with her, and met the stipulated conditions, I would in fact receive XXXX XXXX Miles. She also told me that there would be a $ 30 monthly fee for the account, and that I should only proceed if I was ok with those terms. I agreed, since I would be receiveing a XXXX XXXX Mile sign up bonus, it would be worth it. I listened to her instructions carefully, and followed them to the letter to meet the conditions stipulated. However, it has been 6 months, and I 've had multiple monthly fees deducted from the account, however I have not received any miles. When I called customer service, I was assured that I had in fact met all of the requirements for the miles with my checking account, however Citibank would not be honoring the terms of the promotion as I had been misled by the customer service agent who spoke to me, and that I was not in fact eligible for the promotion as I was not targeted. This is despite the assurances i took care to get from the customer service agent before opening the account. This is an unfair practice, because as a result of being misled, I opened the account under false pretenses and will incur more than {$60.00} in monthly fees as a result. 
How
It is inconceivable that Washington Federal ( XXXX XXXX ) had not disclosed the true costs of the loan, as the closing costs changed by more than 500 % within days of our expected loan closing date. 


We came to Washington Federal ( XXXX XXXX ) a construction loan to build a log cabin. One of these questions was whether we could use the appraised value of our land, which has not been in our possession for more than a year, rather than the purchase price. As our purchase price was in our opinion, and confirmed by Washington Federal, quite low, this was of critical importance to us in establishing the equity of our land. Washington Federal mentioned that Washington Federal believed our circumstance would allow us to use the appraisal price and Washington Federal would confirm with the underwriter. As a customer of the bank, we have no direct communication with the underwriter, and this issue was not brought up again by Washington Federal as a concern. We continued down the process of working towards the loan closing, paid for the appraisal, and provided documentation of 15 conditions set forth by the underwriter for the pre-approval process. These conditions required extensive work by us and we worked to complete these in a timely manner to ensure a smooth loan approval process. Within a week of our expected closing, for Washington Federal to inform us that the appraisal of our land could not be used was unprofessional and unethical. 

One of the loan requirements was to have a building permit. This required several thousand dollars of investment, so the project could be approved. We met this condition and submitted a copy of the permit to the bank, and then the terms of the loan changed, including the required loan to value ratio. 

On multiple occasions, we requested documentation of terms that were either verbally told to us or were documented differently than what was told to us. A loan professional, should not have waited for our request, but rather have documented any verbal representations immediately. For the majority of these requests, the documentation updates did not occur, and we were verbally assured by Washington Federal that it would be included at closing. For example, one item included a reduction in interest rate. As interest rate impacts our payments for a construction loan and subsequent 30-year mortgage, this item should have been documented and was not. 

Washington Federal charged us {$1100.00} for the land appraisal, over charged us {$200.00} did not send us a refund until we asked for a refund. If more documentation is needed for the complaint we will file at the time.
XXXX XXXX XXXX  have been calling my job repeatedly. They have called my mother, who is XXXX from XXXX, and other family members. They have threatened to send the police to my job. 
They say I owe a payday loan from 2016. I have no recollection of that transaction. They said the loan was for {$500.00} but they want to charge me {$3500.00}.