WillisBack/dataset-financial-user-claim huggingface dataset:
I have a complaint against  AAG a nd,  XXXX   XXXX   | S enior Processor TEAM  XXXX  AMERICAN ADVISORS GROUP  XXXX  ID :  XXXX  Phone :  XXXX  ext.  XXXX  | Fax :  XXXX  Direct :  XXXX  Email :  XXXX  XXXX  XXXX  Address :  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , CA  XXXX  We have been trying to proceed with a reverse mortgage for many months. We stared in  XXXX     2016 ;  what is taking so long??? It seems that we have requirements that are not or seems not to be relevant to a loan or the reverse mortgage. We have to clean baseboards and floors after the appraiser has already reinspected our property once.     Now we have to have the foundation inspected at a cost of {$620.00}, after the appraiser reinspected our property and passed the crack repairs to the exterior wall. After looking at the reverse mortgage handbook provided by HUD / FHA i do not see any mention of cleaning requirements. Why is this necessary according t o AAG a nd  XXXX   XXXX ? We have taken the counseling class twice becaus e AAG is so s low to process the loan. {$150.00} total cost of {$300.00}. IN FACT THE FOUNDATION INSPECTION IS BEING PAID FOR BY US IF IT IS INCLUDED IN TH E MORTGAGE FUNDING.      No need for foundation inspection at a extra cost of {$620.00}, does AAG make extra money or kickbacks for ordering multiple inspections?        XXXX   XXXX ,  Senior Processor Fu rther information : To answer your questions.     You are not paying for the foundation inspection out of the loan. However, I am required to get a card to put on hold in the even you decide to back out of the loan or the loan does not go though. I am required to clear your loan before beginning repairs so that there is minimal risk of not getting the final approval after the work has been done.     I see you are already working on the boards and cleaning the flooring. I would like to explain why. The stains and substances could potentially be a hazard to the property. In order for FHA to insure the loan the property must be to their health and safety standards. We have to play by their rules considering this is an FHA insured loan.     Value of your home- We have a set appraised value to your home already done by a licensed  appraiser. I believe your loan officer h as gone over that with you. Unfortunately, sites like  XXXX  and other real estate site do not give accurate lending values and can not be used in any professional lending institution.     Please make sure all your mortgage payments are made as you usually have them done, until the loan has funded.     I hope all is well and will continue to work on your loan on this end and please let me know once the work has been completed regarding the stains and I will send the appraiser out to sign off on it.      XXXX   XXXX  | Senior Processor TEAM  XXXX  AMERICAN ADVISORS GROUP  XXXX  ID :  XXXX  Phone :  XXXX  ext.  XXXX  | Fax :  XXXX  Direct :  XXXX  Email :  XXXX  XXXX  XXXX  Address :  XXXX   XXXX   XXXX   XXXX ,   XXXX   XXXX  ,  XXXX , CA  XXXX
There is a XXXX account on my credit report that should not be there. I talked with XXXX and they said they dont report to the credit bureau and not sure why it is on there. I have tried for years to get this negative item off my report but no luck
XXXX XXXX XXXX contacted me to inform me that XXXX XXXX XXXX will no longer be available to me. XXXX XXXX XXXX stated to me that they will be handling my student loans I will be paying them for my student loans I recently contacted XXXX XXXX regarding my account They stated to me that no money has been paid so with that being said I contacted XXXX XXXX XXXX and they told me that I am paying them for paper work why would I pay so one XXXX just to handle paper work they are very misleading regarding paying back student loans i has under the impression that my student loans were being properly paid until I received letters in the mail stating that my account was past due. After speaking with XXXX XXXX they informed me that more complaints have occurred with this company. They are very miss leading regarding the company I have called several times and every time I call the company isnt open. Its already had paying bills but when your trying to keep credit in line and people like XXXX XXXX   taking money that isnt necessary and they also stated that I couldve handled the paper work on my on but I didnt and this was on a recorded line on my banks telephone number XXXX XXXX XXXX I will like so more information regarding this company that has been taking money from my account since XX/XX/2017 and my student loans have not been paid they never sent me letters through the mail theyve never even told me how much my payment would be so I wouldnt even know what they money was being taken for XXXX XXXX have said that they never even contacted them in regards to my payments that I should me paying a month please help me they are contstanly taking {$57.00} a month and nothing shows for it PLEASE help signed XXXX XXXX
Hi Im really taken back from by how they are reporting this XXXX card on my credit report they said the did an investigation but if they are following reporting laws they would see they cant report an account late after its closed. And that what they did I have the proof what do they offer me for further damaging my credit.
My name is XXXX XXXX. In 2017 my loan funding ran out and due to tgat I had to end my student status which began repayment billing. This is where I realized I was being billed XXXX a month. I called explained this is impossible and was told due to my financial status I could do student forgiveness or be lowered drastically. I sent copies of paychecks and tax returns yet nothing occurs. I've written a mails and complaints and just watch my credit score drop to nothing. I need help possibly attorney?
A charge of {$130.00} was made on my XXXX XXXX credit card which I did n't recognized.. I called on XX/XX/XXXX to file a dispute, which they did, they put a comment about my account being in dispute on my credit report which knocked off 7 point from my credit score and I got an email confirmation. On XX/XX/XXXX, I called to find out the status of the dispute, reminding them of Reg E compliance which they have 60days to resolve a dispute, though no provisional credit was issued to me. They said they were still working on it. 
On XX/XX/XXXX, my billing cycle closes and I see {$130.00} statement balance on my account and {$27.00} minutes minimum payment due on XX/XX/XXXX. I called XXXX to remind them that I am not required to make any payment on a disputed amount and if they 'd concluded their investigation, I was supposed to receive a letter explaining how and why the charge was a valid transaction. They agent said the last note stated that my account was handled by fraud department and he 'd have to transfer my call. He got fraud and they claimed I 'd have to report my card lost/stolen so they 'd close the account and receive a new card. I was flabbergasted by his remarks and I told him I would do no such thing, that was lying. My card is n't lost/stolen and why no one told me from the get go that it would have to be handled by fraud department. An agent filed a dispute case when I called on XX/XX/XXXX and added a comment to my credit report and they were just now telling me it had to be handled by fraud department. I insisted that I would not lie about my card being lost/stolen and I wanted that statement balance removed because I was n't obliged to make payments on a disputed transaction, he got very angry and was extremely rude. He put me on mute/hold and then hung up on me. 
XX/XX/XXXX will be 60days from the day the dispute was initiated and XXXX is trying to cover up, knowing fully well that this would be a Reg E violation.
I am total dismayed by the reporting practices of XXXX XXXX, Mn.XXXX. 
I would like to file a formal complaint regarding the XXXX items, listed below : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX {$310.00}, collection*XXXX # XXXX, XXXX XXXX XXXX {$310.00} , collection. 
The above acct. XXXX XXXX XXXX # XXXX was deleted from XXXX credit bureau 's XXXX XXXX report, in XXXX. 
I pulled a Equifax XXXX report dated XX/XX/XXXX # XXXX that showed the above acct.XXXX # XXXX, ,which is the same acct.being added by to my credit reports. 
This caused my XXXX to drop from XXXX-to- XXXX, my XXXX score from XXXX-to-XXXX. 
XXXX, fraudulent reported inaccurate information stating that the acct.was open XXXX, I had a high limit of {$310.00}, reported XXXX, This information was reported fraudulent & inaccurate to deliberately further damage current credit scores, & future ability to obtain credit. 
This acct.was open XXXX & reported XX/XX/XXXX, XXXX, deliberately & fraudulently changed the open date to XXXX, & reporting date XXXX, which made it look more lack a recent collection acct,60 days past due. 
That is not right toward any consumer & should be stopped.
On XX/XX/XXXX, I was approved for auto financing through XXXX XXXX XXXX. On XX/XX/XXXX,  a contract was signed between myself and XXXX XXXX in XXXX Texas and XXXX XXXX XXXX was the financing company. 

On or aboutXX/XX/XXXX, I was informed by XXXX XXXX XXXX that XXXX XXXX of XXXX XXXX retracted the contract. When asked why, XXXX stated that my social security number was invalid and he therefore could not sell me the vehicle. 

However, after I requested that he put it in writing, several inquiries appeared on my credit report for auto financing. 
I never agreed nor authorized XXXX XXXX to apply for any credit. I was already approved through XXXX XXXX XXXX and the contract was signed on XX/XX/XXXX 

Please review attached
1 ) Chase Sapphire posted a {$95.00} " Annual Fee '' to my card statement for the first time ever in XXXX XXXX. 
2 ) After checking last XXXX 's ( XX/XX/XXXX ) statement and seeing there was no such fee I called Chase and asked about the Annual Fee. The rep told me that Chase had sent out a letter in XX/XX/XXXX informing me that my Chase Sapphire account would change to a Chase Sapphire Preferred account and outlining the new card service agreement. Though I have no recollection of this letter it may have arrived two years ago, I ca n't say with certainty. 
3 ) Chase rep stated that there was no " Annual Fee '' posted in XX/XX/XXXX because they were migrating to the new card, but that at the current time the fee is valid. 
4 ) I informed the Chase rep that I have no other cards with an Annual Fee and I would like to find a way to remove this fee. Rep said he could change the card from Chase Sapphire Preferred to Chase Sapphire, same number, same APR, new expiration etc. After listing the benefits of the preferred card I declined and the Rep very helpfully proceeded to process the change to the no-fee Sapphire card while we were on the phone together. 
5 ) Regarding the Annual Fee. I asked him to confirm that the {$95.00} fee would be removed, and the Rep said XXXX things that alarmed me and are prompted me to complete this report : 1 ) The fee would be " pro-rated back to me '' ( no " credited back '', no clear explanation about what this meant ) and, more importantly ; 2 ) that the {$95.00} annual fee itself would not be credited back for another 1-3 billing cycles. I asked the rep why he could n't remove the fee immediately since I had changed the card type to one without an Annual Fee. There was no satisfactory answer to this question. I then told the Rep I was carrying a balance on this card, so would n't it follow that I 'd be paying interest on this {$95.00} for some unconfirmed number of months - 1, 2 or 3 months - that would carry from one card type to the new card type where the fee was not part of the agreement, and that if this was the case would n't there then be some XXXX people paying a small interest-related fee on something that should be removed at the time of the transaction? I did not after all initiate the original switch to the Chase Sapphire Preferred card, it was something that was initiated by Chase without my involvement or desire to do so. The rep was unable to answer this question as well and I realized then I needed to take it to another venue, it had triggered an alarm large enough for me to call the CT state 's attorney general office for the first time in my life. CT AG office referred me to the BCFP because at a state level their hands are tied.
After already submitting CFPB Complaint # XXXX Clarity Services Incorporated responded to my complaint with the following : " In response to this complaint, on XX/XX/2018, Clarity Services ( Clarity ) contacted the consumer to request the information necessary to assist with their concerns. On XX/XX/2018 and XX/XX/2018, Clarity followed up with the consumer to request the information necessary to assist with their concerns. As of XX/XX/2018, the consumer has been unresponsive to Claritys attempts to assist with their concerns. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This is not true I attempted to call them back at the number I was given by the representative XXXX. When I call the number it was an automated system I waited on hold for 45 minutes but no one answered, so I left a voicemail. After I received a second voicemail message I decided to send them an email which was sent on XX/XX/XXXX requesting a response. 

They must not answer their phone, check their voicemail, or check their email, at Clarity services inc. 

I did respond to their voicemail and made several attempts to contact them. Their response to my cfpb complaint was not aligned with the facts.
Bank of America has made false and or erroneous claims of a pattern of late payments alleging that all my accounts are late. In a letter I received on XX/XX/XXXX Bank of America said they closed my Bank of America Visa account which was paid off. Record will show that we maintained an excellent credit rating up until XX/XX/XXXX. The issue is not with all other accounts it is with XXXX account Bank of America Home Equity line of credit. XX/XX/XXXX I received a letter from Bank of America informing me that my Home Equity line of credit will change from interest only ( approx. {$370.00} per month ) payment to principle and interest only ( Approx. {$780.00} per month ). I reached out to Bank of America and applied several time for a home loan modification but was rejected because I was current on all my accounts. I have on several occasions requested that Bank of America extend my interest only payments until the value of the home increases which will allow us to refinance our home to reduce our monthly payments. Earlier this year we tried to refinance our home through Bank of America but was turned down because there was not enough value in our home. My First mortgage is current along with all my other accounts. We have continued to make our monthly payment on the B of A Home Equity Line of Credit at the same payment of the interest only amount. Bank of America has turned us down for four home loan modifications. Bank of America customer service staff has threaten to begin foreclosure procedures if the payment are not brought current. I strongly feel that Bank of America is dealing unfairly in their home loan resolutions.
I Sent a letter and legal documents to XXXX regarding an old school loan from 2007 that I was not aware of and questioned what they did for fact checking upon applications with so - called co-signers. My credit report has reflected for over 10 years a charge off that has lead to many other denials of credit over the years for a student loan application I never agreed to
Nationwide LLC continually making harassing phone calls to me, my wife, and everyone on our reference list. I am unable to make timely payments due to my wife 's frequent medical expenses, rent and other bills. I pay whenever I am able. This company relentlessly calls me asking to pay. Making threats to repo the car. which I need in order to go to work and provide food for my family. The caller " XXXX '' from Nationwide LLC was very immature and very threatening to me and my wife and to all the refences my wife and I had listed on our application
On XXXX/XXXX/15, I purchased several items of clothing online from Macy 's with my Macy 's credit card. On XXXX, I returned XXXX items via XXXX and requested ( online ) that my credit card be credited for the total ( {$130.00} ). Macy 's instead sent me gift cards for that amount. I returned the gift cards on XXXX and again requested that my credit card be credited. When my bill arrived, the amount had not been credited. I placed XXXX phone calls in XXXX to Macy 's customer service dept. and was informed on both occasions that the outstanding amount would be credited. It was not and I was charged interest on that amount. In XXXX, I made an online written complaint to Macy 's customer service and XXXX weeks later was informed via email that the interest alone ( about {$3.00} ) would be credited and it was. I received a bill shortly thereafter ( attached ) in which I still have an outstanding balance of {$130.00} and have now been charged an additional {$5.00} in interest. I wrote Macy 's again online XXXX days ago and have not received a response. My Macy 's bill is due XXXX XXXX.
My car is financed through Carfinance.com. I fell behind in my payments and have been receiving constant harassing calls from them. The Carfinance.com agents are extremely rude, pushy, and threatening. Even if you make a payment arrangement, they will continue to harass you. They begin calling at XXXX every morning and do not stop until the evening.
This is regarding online purchase of a product from Amazon, USA. I am prime member of Amazon and I was planning to buy an XXXX for self and proceeding to check out. 

When I added the item to the cart, XXXX website prompted me with a offer to Apply for a credit card to get instant XXXX $ discount upon approval. System showed me the details Product price is {$240.00}, after approval I would be eligible for {$70.00} discount immediately and final amount I would have to pay is {$170.00}. 

I found the deal interesting assuming that I would get an instant approval or rejected option and purchase the item. 

Then I went ahead and filled all details on Amazon website to apply for the Amazon credit card to avail the discount. 

When I submitted the application, to my surprise I got a message that my application would be reviewed and the status would be notified within 30 days. 

I think this is clear case of misleading the customers. Website says instant discount upon approval. So any normal mind person would think the status would be notified immediately. If it has to take 30 days then why would someone wait for 30 days to purchase a product. Hence I wanted to cancel my application. 

I made multiple calls to amazon customer care and spoke with XXXX ( team lead ), XXXX, XXXX and XXXX ( Lead ). 

They were helpless and connected me to XXXX. XXXX executives asked to contact Chase Bank. Chase Bank executive ( XXXX ) said she is helpless. My application is still in pending status and ca n't be canceled. She asked to circle back and contact Amazon customer care to get a clarity on such discount information displayed on their website. 

Since 1 hour I am struggling with everyone to get my application canceled. I do n't want my credit card get approved as I ca n't take benefit of the deal after 30 days. 

I believe this a clear misleading information to encourage customer to apply for credit card and once it 's submitted, customer does not get any benefit since card goes for an approval process which may get delayed by 30 days. 

I request you to please help and get my application canceled and also please ensure such misleading information is controlled.
I have disputed a loan against my home put on my report by XXXX XXXX XXXX, completely fraudulent. I have fought with them on the phone and via online complaints. They harassed me at work to pay a loan i knew nothing about. explain to me who gives out a loan to someone without even a signature? Was this something online and someone typed in my name and you start calling me at work to tell me I have to pay it? It was supposed to be a loan against my home. To say that there had been adverse complications because of this would be putting it mildly. it has been over six months since my last online complaint, I believe I did it through XXXX  XXXX. And once again this company for tests that their information is true. They have yet to provide any paperwork showing that I ever took a loan out against my home, which was paid off. This is beyond ridiculous that it has dragged on for over seven years. No its not even showing on my credit report and I hear that company has been sold several times. I dont know how to track them down at this point.
i opened an account with santander bank in XXXX, nj on XXXX XXXX, 2016 with a promotional bonus of XXXX dollars within 30 days after having my account open for 90 days and meeting XXXX in direct deposits. I have met all these requirments and we are on day XXXX and i still have not recieved my credit. I have emailed the cs of santander with a ref of XXXX and still have yet to receive a response. I have also called account services and was given a ref num of XXXX on XXXX XXXX, 2016 and my credit has not been issued. When i opened my account on XXXX XXXX i brought with me a coupon which i had emailed and gave to the women who opened my account. I get direct deposit from my employer every 2 weeks and have met the XXXX total a long time ago. I dont feel i should have to fight for money which was promised and is still being promoted on their site as of today
I submitted an online dispute with Equifax in XX/XX/XXXX in regards to late payments being reported on my student loans, which are currently being serviced by XXXX. My student loans have never been late and I submitted documentation showing my loans were in forbearance and/or a revised pay as you earn plan ( {$0.00} a month ). I have listed 6 of the 12 loans ( due to not wanting to confuse anyone ) which are being reported inaccurately. All 12 loans have the same issue and I can upload more documents if need be. The accounts are listed in the same order as they appear on my credit report. 1. Original Loan Amount {$3500.00} Equifax is reporting this account had late payments on the following days : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Documentation submitted showed : Account was in forbearance during this time. In forbearance from ( XXXX ) The account is in a revised pay as you earn plan with a {$0.00} payment. 2. Original Loan Amount {$2700.00} Equifax is reporting this account had late payments on the following days : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX,XX/XX/XXXX Documentation submitted showed : Account was in forbearance during this time. In forbearance from (XX/XX/XXXXXXXX ) The account is in a revised pay as you earn plan with a {$0.00} payment. 3. Original Loan Amount {$1700.00} Equifax is reporting this account had late payments on the following days : XXXX, XXXX Documentation submitted showed : Account was in forbearance during this time. In forbearance from ( XXXX ) The account is in a revised pay as you earn plan with a {$0.00} payment. 4. Original Loan Amount {$1400.00} Equifax is reporting this account had late payments on the following days : XXXX, XXXX Documentation submitted showed : Account was in forbearance during this time. In forbearance from ( XXXX ) The account is in a revised pay as you earn plan with a {$0.00} payment. 5. Original Loan Amount {$5500.00} Equifax is reporting this account had late payments on the following days : XXXX, XXXX Documentation submitted showed : Account was in forbearance during this time. In forbearance from ( XXXX ) The account is in a revised pay as you earn plan with a {$0.00} payment. 6. Original Loan Amount {$5000.00} Equifax is reporting this account had late payments on the following days : XXXX, XXXX Documentation submitted showed : Account was in forbearance during this time. In forbearance from ( XXXX ) The account is in a revised pay as you earn plan with a {$0.00} payment.