WillisBack/dataset-financial-user-claim huggingface dataset:
I have my social security check of {$1600.00} directly deposited into my checking account at Wells Fargo Bank on the 4th Wednesday of every month. My last deposit was on XX/XX/18. On XX/XX/18 Wells Fargo showed my balance as {$570.00}. As of XX/XX/18 they show my balance as - {$310.00}, According to Wells Fargo, I've spent a total of {$1900.00} since my last deposit. 
I live in a small apartment that rents for $ XXXX/month. I have not been able to pay this months rent because of insufficient funds. 
I have a beat-up XXXX XXXX XXXX that is paid for. 
I receive all my medications from the VA for {$5.00} co-pay each. 
I just had XXXX at the VA in XXXX, XXXX to remove a XXXX XXXX on my XXXX, that my VA physician observed at my last bi-yearly examination. 
I owe the VA {$200.00} for the consult and XXXX, that I am unable to pay. 
I am on Medicare since I am XXXX y/o. 80 % of my medical bills are covered. 
I pay XXXX XXXX XXXX $ XXXX/month that covers the cost of the hospital room charges. I have 1 cell phone with service at consumer cellular for $ XXXXmonth. 
I don't drink any alchoholic beverages. 
I don't smoke or otherwise consume any tobacco products or any legal or illegal harmful substances. 
I make all my cleaning supplies at home. 
I don't eat out at any restaurants and cook all my own meals. 
I have an Auto Insurance policy with XXXX for $ XXXXmonth. They refuse to supply me with a proof of insurance card after multiple requests. If I am in any motor accident, I have no way to prove I am insured. 
I was a XXXX  for the XXXX XXXX for XXXX XXXX XXXX   XXXX  located in XXXX, XXXX Their main XXXX  office was located in XXXX , where I was employed. The project I was hired for at XXXX was the {$750.00} XXXX XXXX XXXX headquarters in XXXX, XXXX, I have been gainfully employed since I was XXXX y/o, XXXX XXXX for XXXX  XXXX XXXX XXXX. 
I am personally insulted, to have worked all my adult life and served my country for 6 years during the XXXX conflict ( a war made unpopular by those who refused to serve and treasonous traitors like XXXX XXXXa ), and then to be robbed of my well-earned retirement benifits by an unscrupulous banking institution like Wells Fargo. 
The photocopies I made from WFs posted transactions of my checking and savings account that prove their FRAUD and feduciary malfeasance beyond any shadow of a doubt are too large a file for your system, I will gladly mail copies of these files to you if required.
Every few weeks I receive a call from my mortgage servicer, PennyMac, offering to refinance/restructure my existing loan. My current loan terms are {$510000.00} in remaining principal on a 30 year fixed mortgage at 3.5 %. I am 3.5 years into my mortgage and it was an FHA loan which means I am subject to PMI until I reach XXXX % LTV, which is supposed to occur in XXXX 2019. 
The promise on the sales call is always that I will be able to reduce my payments by starting a new loan. However, it naturally begs the question, " Why would the entity which holds a mortgage commitment *voluntarily* offer to make less on a loan commitment which I am legally obligated to? ". When I find out the specifics of the loan offer and run the numbers myself I always inevitably find out the same thing ; I would be paying MORE money by restructuring the loan. The main reason for this is that new FHA streamline loans, which are what 's being offered on these calls, call for PMI for the life of the loan rather than the old FHA loans which required PMI to XXXX % LTV like I currently have. Adding up the additional payments results in tens of thousands of dollars in additional money paid out over the life of the new loan, even though the term length of the loan is even shorter than the remaining length of my current loan and the offered interest rate is a quarter point less! 
My complaint stems around the fact that I am a relatively sophisticated consumer with a financial background. I am worried that the average consumer would never tumble onto the fact that they are being given a high pressure sales pitch that results in them paying vastly more for their mortgage even though their monthly payment is lower. This seems highly unethical to me and I would like for the CFPB to so some research into whether this is legal and, if so, whether it should be in the first place.
PROPERTY ADDRESS : XXXX XXXX XXXX XXXX, XXXX, TN XXXX LOAN INFORMATION : 1. LOAN # : XXXX AMOUNT : {$120000.00} LENDER : XXXX XXXX BANK XXXX. LOAN # : XXXX AMOUNT : {$23000.00} LENDER : XXXX XXXX XXXX XXXX XXXX : Shellpoint Mortgage Serving XXXX Loss Midigation ( Good Luck ) Bought the house in XX/XX/XXXX, made payments until XX/XX/XXXX when the economy crash and I lost my job. I tried to refinance with loan servicer ( XXXX ). After several attempts with XXXX to refinance through different programs and submitting personal information several and several checks of my credit rating,This was over a two year period and each time they check my credit score, due to loss of  paperwork or filing under a different program, it tanked XXXX said that my credit score was  too low to qualify and I needed to find financing somewhere else. Between XX/XX/XXXX and XX/XX/XXXX XXXX called several hundred times to collect, but they would not refinance and they trashed my credit rating. After paying a lawyer {$6000.00} dollars to try to help me out, all he did was take my money and they foreclosed on the property and went to auction XX/XX/XXXX. It sold for {$180000.00}. As advertised it was to settle all liens to XXXX XXXX XXXX. Then I started getting calls from Shellpoint Loan Servicer, that I still owed on loan # 2 {$23000.00}. I contacted XXXX XXXX XXXX XXXX XXXX XXXX. in XXXX XXXX, AK. and said that the sale of the property satisfied the outstanding loans. But, the lean on the second loan was still in place and was showing non-payment on my credit score. Which is preventing me from getting a renovation loan on my property? XXXX XXXX recommended contacting the title company to clear this issue up and the title company said to contact your agency. So here I am. Youre my last door, please help.
Good evening, I recently closed on my very first home on XX/XX/XXXX. With all the excitement and incentives received on my behalf was a Blessing in so I thought. As of today XX/XX/XXXX I have yet to receive the Realtor Rebate to pay off my early termination fee for my apartment. This noted on my closing disclosure and documents Ive signed throughout this process prior to completing the closing. 

As of XX/XX/XXXX, I turned in my keys to my apartment complex and found out that they have yet to received the realtor rebate. 

I contacted my realtor at XXXX XXXX and continue to ask whats going on. I was referred back to the XXXX XXXX XXXX XXXX. 

Someone is passing the Buck. 

I paid a visit to the title company DHI to be informed that the information was wrong and they dont know what to do or what happened and that the credit was there but was not billed. 

This is a very big issue for me, because this could go against my credit on none payment of early termination. 

At this time I feel that the company is giving me the run around and not fessing up to the truth to what happen and what they will do. 

The realtors broker tried to contact title on several occasions to be informed that no one is in. 

What I want to happen from this complaint is a check in the amount of {$2700.00} to be paid to the perspective company on file. 

XXXX XXXX XXXX is and has been in receipt of all pertinent documentation for this process. i.e. XXXX and invoice of the companies information. 

I need this transaction to be processed before early part of XX/XX/XXXX or sooner. 

Your assistance to this matter is very much obliged.
I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXX XXXX I was never late 30, 60, or 90 days late in the months of XXXX, XXXX and XXXX. Im not sure when this happened or what could have happened. I believe that I had made my payments to your company when I received my statements. My only thought is that there is a billing error with my statements.
Equifax continues to report the following on my credit report resulting in deleterious results and/or ability to obtain credit and/or instant employment, to wit : ( 1 ) US BKPT CT VA XXXX US Bankruptcy Court XXXX, VA XXXX Status : Docket # XXXX, DISMISSED. ( 2 ) US BKPT CT VA XXXX US Bankruptcy Court XXXX, VA XXXX Status : Docket # XXXX, DISMISSED. <P/>Equifax continues to list the dismissed bankruptcy on my credit file. Equifax 's policy is to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years. However, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. <P/>The law clearly states from, " date of adjudication '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. <P/>Therefore, Equifax has no right to maintain information which the government has deemed nonexistent. Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. This action does not require an investigation ; I would appreciate your response within 14 calendar days from receipt of this letter.
I have disputes the accuracies of the reporting for both accounts I have with this company. I sent dispute letters XXXX XXXX,2018/ XXXX XXXX2018,  XXXX XXXX 2018 and XX/XX/ 2018. All of which I still havent received a response. This is way past the 30 days the company has to respond
I own a condo in XXXX, NJ that was my primary residence and is now rented for {$1300.00} a month. Last year, there was a period of time where I lost my renter and had to make repairs to the property and I was unable to afford the mortgage payment. I then received " streamline '' modification documents from Seterus. I met the probationary period making monthly payments of approximately {$1300.00} for three months. I was then sent the final modification documents to sign however in the interim I received a letter from the escrow department stating that my escrow was incorrect and that they would send me a letter with the new amount. I received the letter from the escrow department and it would have reduced my payment to the probationary amount of approximately {$1300.00} rather than {$1400.00} as indicated on the documents. I kindly asked for new modification documents reflecting the corrected escrow amount as that was in line with what I could afford and being they made a mistake I wanted accurate loan documents. This began in XXXX. After numerous phone calls and their recommendation to just sign the documents even though the amount was incorrect. As recent as this week, I spoke to someone stating they would look into it and put in a request for updated documents and they would get back to me. I have never gotten a response. On XXXX XXXX, I was served with foreclosure papers. I am only trying to have accurate loan documents reflecting the payment with the correct escrow amount that they had originally calculated incorrectly. But as is typical with large financial institutions, the right hand does not communicate with the left. I do not have money to get a lawyer and I just want to fix the situation but they said there is nothing I can do but try to reapply for a new modification which I am completing for form today on XXXX. I feel that it is wrong to recommend a borrower to sign documents that they know are incorrect. Also when I make calls I have gotten different answers from different representatives. There was no consistency. I greatly appreciate any assistance you can offer in helping me rectify this situation as I do want to keep the property. I am in XXXX, a XXXX, so I am not nave to the process, however I think the OCC would criticize us if we did n't have correct documents and the Bank recommended the consumer to just sign the documents knowing the payment is incorrect.
Requesting mediation for funds being held ( {$270.00} ) in a closed Bank of America XXXX XXXX account ( payroll card provided by employer, XXXX XXXX XXXX ). Both parties, XXXX XXXX and XXXX, say that only the other can take action to resolve the problem. 

Was provided a Bank of America XXXX XXXX XXXX " debit '' ( payroll ) card through the mail. Activated it, but after deciding I wanted direct deposit ( within a few days ), called XXXX XXXX to close the account. Account closed with balance of {$0.00}, then enrolled in direct deposit with XXXX, to be paid into my personal XXXX XXXX account ( all later pay from XXXX has been paid without issue, except for the amount described in this complaint. ) XXXX XXXX then accepted a deposit from XXXX ( " XXXX XXXX XXXX XXXX '' ) for the amount of {$270.00} on XX/XX/2018 at XXXX into the closed account. 

XXXX XXXX would not allow me to transfer the funds out the closed account. They said 'XXXX   must issue you a new card. You must then activate this card/account, and transfer the funds into the new account, then you can transfer the funds to your bank. ' XXXX told me they do not issue new cards, that XXXX XXXX issues these cards. 

Called both parties several times and received same answer every time. 

One or both of these parties must take action to resolve this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Mail Stop XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX ( Corporate ) XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX ( XXXX ) XXXX
I contacted cap ital one abo ut a payment program because I am a   XXXX   XXXX   who had a reduction in work hours. I was told I was accepted into the program and to pay  XXXX  a month. I paid the  XXXX  a month and my account never updated or my bill never reflected anything about the program. I called back and I was told the lates on my credit report would be corrected I was also sent a letter regarding the corrections capital  one  would fix on my credit report which they never did. I called again and spoke with a  manager  and he assured me to keep paying the  XXXX  that my next bill would be updated. Still did n't receive an updated bill with that amount. Ca pital one ha d ruined my credit because of their mistake. They sent a letter saying they would fix my reports in  XXXX  but they never did. I also was n't sent any materials about my assistance program.
I sent a dispute disputing this account and this company failed to respond within the 30-45 days time frame. I requested for proof of documents because this account was to be paid off in full and is still incorrectly reporting and hindering the growth of my credit score.. Santanter has not responded or provided any type of documentation supporting this account. 

Also this account is reporting every month negatively on my report dropping my score.
Regarding your suit against Navient, after the death of my son XXXX XXXX, XXXX, I found he had been paying student loans for his late wife who died in XXXX, payments being billed by Navient. Her mother thought this strange and called XXXX University Loan Office where she was informed all loans were paid in full as of XXXX. The XXXX XXXX Loan Office indicated any loans were discharged with her death XXXX, XXXX. Navient would give her no satisfactory reply indicating they would only send information to the current address on record, which is my son 's address. I believe that the estate of my daughter-in-law and quite possibly those of other deceased students have been defrauded by Navient.
I reviewed my credit report and noticed that Senex services was reporting several debts owed by me on 1 or more of my credit reports. I have no knowledge of these debts so I disputed directly with the credit bureaus and their response was that the debts were verified as belonging to me. After several attempts requesting the bureaus provide me with verification and no success I requested directly with Senex that they validate the reported debts. They failed to do so but responded with the attached letter stating that " per my request they will no longer attempt to communication with me ''. However this was not my request it was actually for them to communicate with me and let me know what proof they had that this was a debt that belonged to me, was accurate and they were able to legally collect from the person that owed the debt.
The vehicle had {$1500.00} left on the loan and was subsequently sold upon reposecion. They are now charging my account over {$3000.00}
The debt in question is from XXXX XXXX. I was sued by the debt collector and the law firm started garnishing my wages on XX/XX/18. They contacted my employer without my consent and might have used a third party to obtain my employment history. Never did I mention to them where I work. I called on XX/XX/18 to follow up on this matter but they never did provide the information I requested. 25 % of my wages are being withheld and they have refused to compromise with me on any outside settlement and payment plans.
I contacted Experian to make them aware that this public record XXXX has been filed in error and has now been dismissed and vacated by the Courts I sent Experian the court documentation showing that it is no longer active and was filed erroneously but Experian has yet to block this information from my credit report.
I used Ba nk of America '  s online Bill Pay function to send two pay ments to my other financial institution ;  XXXX  for {$75.00} for a credit card payment and  XXXX  for {$78.00} to cover my auto loan on  XXXX / XXXX /  XXXX  . The other financial institution rejected those payments on  XXXX / XXXX /  XXXX   because they said the account numbers did not match what they had on record. The processing time on their end to send back to B of A was 2 days, which means B of A would have received the rejected funds on  XXXX / XXXX /  XXXX  . B of A has refused to issue my account a refund for the total of the payments and denied that the payments were not received by the other financial institution until I had a  XXXX  telephone conversation with my other bank and a B of A representative. They still refuse to refund my money and have no explanation as to why or where my money is.
Navient informed me that I can afford nearly {$150.00} more a month in payments. They stated that they gave me {$77000.00} and they do not need to offer any help to me. They demanded that I pay what they said or I will be sued. They threatened to sue me numerous times. 

XXXX University XXXX XXXX XXXX, XXXX, DE
Never been previously contacted by Pinnacle Credit services. Received a XXXX discharge of debt. Both XXXX and a call to them state that this is a XXXX XXXX XXXX Debt. They have refused to provide any backup. In fact, they say they have no back-up. XXXX has no record of any debt in my name or under my SSN number. By filing a XXXX, I now owe taxes on forgiveness of a debt that I do n't think they have and that they can not verify. They have refused to withdraw the XXXX which I have requested.
Capitol One Auto Finance sent me a statement due XXXX XXXX, 2016. I mailed a check tthem to make the XXXX XXXX payment. Two days ago I received another statement telling me my XXXX XXXX payment was due. I called Capital One Auto Finance to ask what was wrong. They explained that my previous XXXX XXXX payment had been applied to my principal, or some of it, they subtracted interest out of it. 
1.Why did they apply my first XXXX XXXX payment as principal? 
2. Since it was applied as principal, why was interest deducted from it? 

This has caused us to come up with another payment for XXXX XXXX, causing some financial disturbance. 
I was unable to get a straight answer from Capitol One Auto Finance.
I received a promotional offer for m Citi Aadvantage pro gram that incudes  XXXX  promotional miles. I called to confirm that I will receive the miles and was told yes.   Then, 3 month later, when I met the requirements of the promotional offer, I was told I will not receive the miles.
On XXXX XXXX XXXX, I was brought to the XXXX XXXX XXXX due to XXXX. I was still XXXX when I got there. As soon as my XXXX, I told the staff that I did not want to be treated or examined and walked out, since I was n't sure whether XXXX was going to cover the hospital bill. ( I had just received my XXXX acceptance letter shortly before this incident. ) A few weeks later, I received XXXX invoices : one from the ambulance service, one from the hospital. I called both companies and gave them my XXXX number so they could charge XXXX ( since I now knew that XXXX covers emergencies ). The ambulance service was apparently able to charge the bill to XXXX without any issues. However, about 4 months later, in XXXX XXXX as well as in XXXX XXXX I was surprised to be sent XXXX letters from the XXXX XXXX XXXX asking again for the XXXX USD they claimed I owed ( even though I had refused treatment ). I received those letters in XXXX since I had been out of the country in XXXX. I called the hospital up immediately and asked what the problem was. It seemed as though they had had the wrong XXXX number. I gave them my XXXX number again. This time, I asked the person on the phone to read it back to me, so we could make sure that it was definitely the correct number. When she read it back, it was correct. Since then I did not hear from the hospital again at all. On XXXX XXXX ( XXXX/XXXX/XXXX ) I received a letter from a debt collector asking for the " outstanding '' debt to the XXXX XXXX XXXX. The debt collector said that the documentation they had gotten from the hospital did not show that any XXXX number had been given - even though I had given it to the hospital twice ( albeit once apparently incorrectly ). I was shocked. The worst part about this is, of course, that XXXX generally only pays bills that lie, I believe, at the most about one year back. 
The XXXX XXXX XXXX # 1 apparently failed to attempt to collect the payment from XXXX and # 2 failed to inform me about this in due time so that I could have gotten in touch with XXXX myself. Now, that the timeframe during which they could have claimed the amount from my insurance has passed, they try to make me responsible for their failure.
They are falsely claiming damages above normal wear and tear ( i.e. range pans, light bulbs, blinds over, sink sprayer over 10 years old, paint, etc.. )  when the home was occupied for a 4 year time frame. Each inspection I advised and had inspector record the following complaints : dishwasher never worked, request to replace/clean carpet, request to fix closet doors and shelving. The keys were returned. The tenant was unable to get in contact with XXXX XXXX- property manager because she had quit and no new property manager was assigned as end of lease was approaching.So there was no one to notify that I was moving which is why there was no eviction or lawsuit filed. There was no one to do a walk thru with me. They just sent this letter saying I owed. When I received the letter I called the new property manager and she said that many people fell thru the cracks when the property manager changed hands.
Original debt owed was to an emergency room, which I was never contacted by until a third party collector contacted me. Once contacted I paid immediately. Several years later they will not remove the account from my credit even though it is a medical bill.