WillisBack/dataset-financial-user-claim huggingface dataset:
WFHM is conducting business as usual, once again laughing in the face of the CFPB and customer. 

As you recall XXXX XXXX did not recall the name of the settlement company, their telephone number and only had an email address which was confidential and not provided when I requested. 

It was never mentioned to Pay Off the Debt. It was stated that WFHM do the right thing by its customer, settlement was even addressed. XXXX XXXX pretended not to know what the situation was, avoided this main issue, and provided 50 plus pages to do so. 

Today XXXX XXXX vindictively and maliciously trying to be hateful and hurtful discloses what has been the truth all along? 

Had XXXX XXXX came forward with this Pay Off the Debt, information there would have been no foreclosure. 

In addition, XXXX XXXX is now disclosing that the settlement was in fact enough to Pay Off the Debt, pay off the mortgage. The million dollar question is why did WFHM not Pay Off the Debt?

Why did WFHM not disclose this Pay Off the Debt information before the foreclosure took place? I had no idea it would have paid off my mortgage. Isnt that what would have happened? While I was begging to have the foreclosure put on hold until WFHM make Good their mistake, error and bad treatment of a customer? 

XXXX XXXX even called me today to say I have a solution, and tell me they WFHM are not going to Pay Off the Debt?

An answer needs to come forth as to why WFHM thinks it is OK to conduct business this way? This answer needs to come from XXXX XXXX and XXXX XXXX XXXX. In addition, why was this not done during your first thorough investigation and fifty plus pages?
I have a huge amount of NSF fee 's. This bank will show a balance one day and a different one the next. They have pending transactions and then the next day they post in a different order. They have taken my paycheck. I need these funds reimbursed to me. This is causing a huge financial strain for me.
OnXX/XX/2019 I pulled my XXXX  credit report. I noticed two collections on my report from a Phoenix Financial Group a collection agency claiming to be collecting for a XXXX XXXX XXXX. One was for {$160.00} and one was for {$160.00}. I was completely unaware of owing any of these two groups any money for any services provides. I disputed these on my credit report and on the next morning XX/XX/2019 I called XXXX XXXX XXXX and they could not find anything on me owing them any money that had not been paid. I then contact Phoenix Financial Group and the lady insisted on me giving her my social security number. I was hesitant but she stated she could not look up anything with out it. So I did and she told me she could not find anything in her system that they had reported. I asked well why is there two collections on my credit report. She just stated on don't know. dispute it. I then asked her if she would send me an email that stated they have no collections reported on me. She stated send you an email that I have nothing in my system or in the office on you and I said yes. She just laughed and said she could not do that. Here is a group that is unconcerned that they have fraudulently posted a negative entry on someone's credit report and had no desire to correct the mistake.
I was pre qualified for a Kohl 's charge card and the application said it would not effect my credit score. I checked today and found a hard inquiry on my credit score. Called Kohl 's and told them I was not happy about this and to cancel my application and remove the hard inquiry.
For years I have reaching out about how to make payments to my Navient loan ( s ). I learned that payments were only made to select loans and I found myself delinquent in others - even though I was paying the amount assigned monthly. I was constantly trying to get clarification form customer service. Constantly harassed with notices threatening to put my account into delinquency. 
Since XXXX, I was regularly informed that if I could n't make the payment assigned to me that I should apply and renew deferment/forbearance. At times lowered adjustments were offered but still above what I was able to pay- I was made to believe that what I had to offer was not acceptable and I needed to apply for deferment/forbearance in order to not ruin my credit. Unfortunately, in XXXX I was diagnosed with XXXX XXXX and underwent a XXXX XXXX extending the deferment/forbearance status. 
If I had been able to make payments I could afford I could have avoided the accumulation of additional debt and perhaps lowered my monthly payments. 
Today, I called to say that I could start making payments towards my loan and they again said that they could n't accept this payment, instead insisting I pay more than I can afford in my current hardship. Now they are suggesting I pay double of what I can afford and again put 2 loans into deferment/forbearance. I escalated my concerns to 3 different people until a supervisor after much " calculation '' suggested I apply for a direct loan consolation and a pay as you earn graduate income based repayment. I asked if this was a new option and he said no - it has been around for a few years. I was shocked to know that they had n't counseled me sooner. He said it was almost guaranteed that I would be approved. It 's unbelievable that six years have passed - I am a XXXX XXXX XXXX for children with XXXX and low income communities- and as I dedicated myself to service, I could have been paying towards my balance and working towards forgiveness. I feel robbed of my financial well being. Now I face medical bills that surpass my student loan. I will never climb out of this financial hole. I feel deceived. It is depressing. 
I have renewed my deferment/forbearance for 2 of my loans, paying double of my affordable contribution, awaiting my consolidation application with direct loan. I 'm learning about Navient 's deceptive and irresponsible practice today. It 's disgusting.
I keep getting calls from XXXX ( XXXX ) XXXX. Multiple times a day, all times of day. They keep calling to my work line. Whenever I pick up, they hang up immediately, but still continue to call throughout the day. I finally called back to find out it was a number associated with BMW financial. I do not own a BMW, and have been at this same work line for over two years. This is the first time I have gotten calls from this number. I finally was able to speak with somebody around XXXX on XX/XX/XXXX to ask them to take me off of their list. I explained that this is a work number, it is my direct line, and I have nothing to do with a BMW, and never have. I asked them to quit calling me, and again told me to take them off their list. They said my direct line is associated with an account they have. I explained to them that there is some sort of mix up, and that somebody gave them a wrong number, and they need to quit calling as this is a business line, and the person they are trying to contact is not at my work line phone number. She said they would make a not on the account. I asked to speak to a manager and she said she did n't have one. 

I came into my office this morning, and low and behold there were another two missed calls from the same exact number XXXX, from XXXX XXXX the night before. After I spoke to the person that said she would put a note on the account. Please stop these calls, this is a business line and incredibly unprofessional to be harassed constantly with these phone calls.
XX/XX/XXXX-XX/XX/XXXX credit usage is not being reported correctly. I've tried several times to get this matter corrected by calling the bank and the credit bureaus but no success. Also all three bureaus are reporting different I would like all 3 to be reporting the same. Can someone please help me
On XX/XX/2017 I submitted a dispute to all XXXX CRAs. I have received the results from TransUnion and XXXX, but not XXXX. However, I have credit monitoring service and it shows where the account was updated. They have updated the account so that the charge-off appeared more recent than it originally was and they also have it listed as a revolving account. This caused my score to drop by many points. I never received proper validation of this account. I sent to the CRAs a copy of the order that I won my lawsuit against XXXX in Court. Each report is reporting a different date that the account is open, the highest balance is different on each CR, Additionally, it seems as if they added late payments in after the closed date. Dispite providing each CRAs, with documentation to support my claims, they never completed a full investigation and they never forwarded documentation to me to validate this debt. XXXX has constantly failed to provide me with this information, and now I am being further victimized with a huge drop in my credit score.I have attached evidence of everything below.
The company ( XXXX XXXX which is now Navient ) called me everyday, all day even after XXXX and harassed me about paying the private loan even though I have tried to work with resolving the issue in the past. I paid the company up until after I was XXXX and up until I had to file for bankruptcy ( from XX/XX/XXXX thru XX/XX/XXXX ) so they have received more than what the initial loan was worth due to the interest rate being above 18 %. They are now threatening to garnish my XXXX check and checking account. In the past, they found loop holes to say the loan was not federal but it was personal and then that it was private in attempts to prevent the loan from being discharged due to bankruptcy and/or hardship. I have paid them back more than the original loan plus penalty charges. I tried to settle with them in the past when I still worked and tried to get them to reduce the interest rate. All my other student loans with other places which totalled more than this one, were paid off due to the interest rate being at the normal student loan interest rate ( 1-3 % ). XXXX XXXX refused to lower the interest rate and gave me the excuse that the loan was a personal loan and the interest was high due to that. But when I filed bankruptcy ch. XXXX, they changed and said it was a federal loan. Then when I asked to have it discharged due to federal hardship, they first agreed and I filed the paper work. They then changed their standing again and said this was a private loan so it could not be discharged. Please help.
The XXXX XXXX XXXX is the company in question. I had been receiving calls from a XXXX number asking to collect a debt for weeks. In the call in prompts you to dial 9 to be connected with a representative.Every time I pressed 9, the call was never answered. I would attempt to call the number directly and they never answered either. Finally on Tuesday, XX/XX/18, when they called again I pressed 9 and after several rings someone answered. The person who answer asked me for a case number. I informed him that his company was calling me. He interrupted me and said you need to listen to the instructions on the call. He was rude and very short with me but soon after told me that they were going to subpoena me if I didn't pay the debt owed and levy a judgement on me. I informed him that I have perfect credit and don't have any outstanding balances. He said that is not what he has in the system and if I want avoid them coming after me, I better pay the debt. He did not explain where the debt originated from and only antagonized me to pay up.
Unauthorized Credit Inquiry I obtain a copy of my credit report from TransUnion. It indicated that a credit inquiry was made by TransUnion Credit Bureau however, this inquiry was not authorized by me.I will list the inquiry that I did not authorized. 
XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX , XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-. XX/XX/XXXX Please have these inquiry removed from credit report, as it is having a negative effect on my loan application and acquisition of credit. 

Thank you for your prompt assistance.
I have a XXXX Freeze on all XXXX Credit Bureaus. I gave authorization for XXXX XXXX for an inquiry to XXXX Bank on XXXX XXXX, 2017. The dealership, XXXX XXXX XXXX has ran an Inquiry and stated that they could bypass any XXXX freeze on the account. They DID too. I lifted the freeze for a few days ONLY for XXXX Bank exclusively. Today I received an alert from XXXX XXXX, the company allowing these other Banks and XXXX XXXX XXXX to access my Credit repeatedly ( XXXX times ) in the past month when only XXXX time was allowed and my credit files were still locked!! I have copy of recent Inquiries with dates including today and Sunday, XXXX XXXX, 2017 by XXXX XXXX. I had already had an Inquiry by them in XXXX XXXX, 2017 and my first payment isnt even due as I was approved, yet their company couldnt explain why XXXX more were done. I need XXXX, XXXX and Transunion to Freeze my accounts as has been initiated and quit allowing people to acces my files at will as it lowers my score and theyre violating my directives for having a XXXX  Freeze in the first place! Auto dealerships also should NOT be allowed to bypass security freezes! They should have to wait just like XXXX Bank did for the freeze to be unlocked. Please respond and initiate this complaint as a formal investigation and do not use my name or any personally identifiable information as Im currently exempt form public record and would be a safety issue!
A few months after my visit to XXXX XXXX XXXX XXXX I got a bill which I paid, but then 11 month after my visit I got an alert on my credit report. I had a collection from " XXXX XXXX XXXX '', a collection agency and the original creditor was " XXXX XXXX XXXX XXXX XXXX ''. After many calls I discovered that XXXX is the billing agency for the doctors at XXXX XXXX XXXX XXXX, and that they never filed a claim with my insurance. I never even received a bill from them ; they sent it straight to collection, and to my credit report. XXXX is rather a shady company or an incompetent one and I'm not sure that their methods are even legal. I contacted XXXX XXXX XXXX with my Insurance on the line. They refused to submit a claim to my insurance. I filled out my insurance information when I was in the hospital. It's not my fault that XXXX didn't file a claim with my insurance. and then they're allowed to sell my bill to a collection agency that refuses to submit a claim. How is this legal!?
In XX/XX/XXXX I received an attractive offer for a Chase XXXX XXXX credit card ( please see the first page of the attachment ). I applied for the card, but Chase rejected my application. The rejection letter, dated XX/XX/XXXX stated Too many credit cards opened in the last two years associated with you ( please see the second page of the attachment ). On XX/XX/XXXX, I wrote CHASE and asked two straightforward questions ( please see the third page of the attachment ) : -WHAT IS, BY CHASE REGULATIONS, THE ALLOWED NUMBER OF CREDIT CARD ACCOUNTS THAT I CAN OPEN IN TOO YEARS? 
-WHAT IS, ACCORDING TO YOUR INFORMATION, THE NUMBER OF CREDIT CARD ACCOUNTS OPENED BY ME IN THE LAST TWO YEARS? 
I need this information to know when I can apply for another card, and check the data used by CHASE to make the rejection decision. CHASE failed to answer my questions and rejected again my application ( please see page four of the attachment ). 
In the rejection letter CHASE also stated information from XXXX was used. I contacted XXXX   and found out the following : The credit score range is 300 850. My credit score is excellent, XXXX! Also, I always paid my credit cards and mortgage on time. 
In addition, I have a CHASE Freedom credit card, since XX/XX/XXXX. CHASE sent me numerous other offers, for loans, and bank accounts. CHASE even asked me to advertise their credit cards to friends ( I did that, and received some extra points for an approved account ). 
Please note, in XX/XX/XXXX CHASE rejected my application for a XXXX XXXX credit card under the same pretext. As a consequence, I believe there is a clear pattern, CHASE declines applications because it does not want to honor the bonuses. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX
Greetings I have a mortgage with AmeriHome Mortgage. Every month I overpaid my mortgage and the extra was always applied to the principal. On my most recent payment, the extra was applied to future payment instead of the principal. I have called total of three times trying to get the issue. The customer service said they will correct it but is never done.
I have a HELOC mortgage with Webster Bank my payments are due on the XXXX of each month. XX/XX/XXXX fell on a Sunday I called XXXX Bank and spoke to a representative she had informed me that because XX/XX/XXXX fell on a Sunday the payment was not actually due until the following business day which would be XX/XX/XXXX and she also informed me that the two day grace period is extended to XX/XX/XXXX, so on XX/XX/XXXX I called and made a payment so that I was not late. I was informed that I was not going to be late. On the following month, XX/XX/XXXX I  called on XX/XX/XXXX again because XX/XX/XXXX was a Sunday non-business day, to make another payment. I informed the representative I would like to make a payment but I will be using a new account number for payment because my old account had been compromised so it has been closed. She said OK she took my new account number and I made a payment so that I am not late. I was informed by the representative again that payment will not be late for XX/XX/XXXX because it is extended till XX/XX/XXXX because XX/XX/XXXX was a non-business day. Well lo and behold I received two late charges for XX/XX/XXXX and XX/XX/XXXX because I was misinformed by the representatives on the phone. I called to question the late charges and was told the information the representative told me was incorrect. I also was told that because of insufficient funds my XX/XX/XXXX payment was not processed. I was told that somewhere in the shuffle of account numbers they used my old account number which had been closed to make the XX/XX/XXXX payment and that they were sorry for that mistake. XX/XX/XXXX payment was made by Webster using my new account number and I was assessed another late fee because of their mistake. So there are a total of three late payments for XX/XX/XXXX and XX/XX/XXXX. I feel as if I was misled and misinformed by Webster Bank, therefore these charges should be reversed because they are not my fault
I have two products with State Farm : 1 ) Checking account 2 ) Auto Insurance To access either it was one portal statefarm.com as in common with many financial companies to login to to view or handle transaction in my checking Or view insurance policy information or update the payment 'from ' account on the monthly payment plan for auto insurance every XXXX of the month.

I did go into the payment plan for auto insurance from time to time to update the payment account to be debited past few months from XX/XX/2018 to XX/XX/2018. Twice the payment bounced ; however I did pay immediately a few days later via the site with the pay now option with another credit card or account. 

Suddenly one day when attempting to login to access my checking account information/statements ( which are setup to be notified of electronically as well ) I had an account suspended notice and could not login. 

Called State Farm customer service immediately and got transferred to tech support, they were thinking it was a technical problem, but they could not resolve it, after two weeks, finally a technician stated, it's not the account getting locked out, it's the State Farm insurance end product and payments not going through a few times that has made the website inaccessible is what he said it stated in the notes. That's all the tech knew. 

Called State Farm customer service again. And relayed that information I was told. Finally the customer service rep stated, yes, that until I go by six months of not bounced payments for the State Farm insurance product then I will regain online access back to the statefarm.com site to be able to access checking account. No clear explanation when I queried as to what rules or in what policy does it state that one product has to do with another? Or could they just lock me out of the insurance product but allow me access to only the checking account for now? The response was no, and that I would need to wait. I requested I have paper statements sent, and the rep stated it could not be done because my settings/preferences on the site are setup as electronic notification when statements are available. 

This has me having to call in every few days to monitor account for all transactions in and out or using the atm for latest account balance. I feel this seems to be a right I have to be able to access my account when/if needed irregardless of the other product. 

Additionally I attempted the supposed automated phone feature that utilizes voice print and fail to connect properly any time. Thus, I end up on hold anywhere from 15-25 minutes on average to get a rep to ask what my current balance and recent transactions are.
Changed lock on safety deposit box, employee stole everything {$30000.00} + XXXX XXXX Tx. XXXX
EQUIFAX continues to accept inaccurate information from XXXX which results in re-aging of the account keeping it on my Credit Reports since 2006. I have disputed it with them over 12 times and even though they acknowledge my facts nothing ever happens. EQUIFAX shows the item has been on my Report 93 months well over the 7 years allowed by the Fair Credit Reporting Act. XXXX is guilty of Fraud. XXXX & XXXX XXXX have removed XXXX from my Credit report.
Today I made a deposit to my Wells Fargo checking account. It was a check made out by me, to me on our credit union account. The check was for {$500.00}. As you can see from the receipt, WF gave me instant credit for {$400.00} and delayed the balance - {$100.00} - until tomorrow. Is this common practice in banking? What if I was expecting a check to come through my account today and WF failed to cover it because they did not recognize the total deposit. Would I therefore be responsible for over-draft fees? Just thought that since you are looking into Wells Fargo and other banks, you might want to consider this. It was a first time experience for me.
I sent payment through my bank online. Informed XXXX from Hunt and Henriques that payment was sent and that it might take 5 days for them to receive. She calls me and leaves me a message that payment has not been received. I checked my online banking and it says payment is " paid ''. I also printed out a proof of payment. Called and spoke with XXXX again to let her know that my checking account is reflecting the payment has been paid and asked her to double check. She says she does n't see payment has been paid and does't double check. I ask her again to check, She insist she does n't see it and to call back later to check again.
In reference to complaint number XXXX, we have not received a response from Nationstar. Per their last communication to us, Nationstar was to provide a response by XXXX/XXXX/15. It is now XXXX/XXXX/15 and we have not heard from Nationstar.