WillisBack/dataset-financial-user-claim huggingface dataset:
Hi, I had applied for a loan modification through Chase Bank for my mortgage held by XXXX XXXX XX/XX/XXXX. I have had several SPOC ( single point of contact ) and been in touch with executive office as well as escalation department. This application was denied and I have since sent in a new application per advise from the executive office. I am having extreme trouble getting the correct information to help me with the process. Everything from, no phone calls and return calls from my SPOC, executive office, to verbal miss information about my modification qualifying or not. I could not get a solid answer of why I was denied. I was told I could n't get a modification because my property was n't owner occupied and then I could but needed more income. I feel Chase is violating OCC rules by not sending me this information in writing and not submitting a COMPLETE MODIFICATION PACKAGE which was complete XXXX/XXXX/XXXX and not being submitted until XXXX/XXXX/XXXX. In limbo for more than two months. On XXXX/XXXX/XXXX a representative XXXX read the notes and told me the modification package was ready for underwriting on XXXX/XXXX/XXXX. I have tried to reach my most recent SPOC XXXX XXXX several times with no success. He has been my contact since XXXX XXXX, XXXX when he was assigned to my file. A month will go by before he calls me back. has told me he " has XXXX accounts and is very busy ''. He said he " will get off the phone with me and get right back on, he is on the phone all day ''. I have called his supervisor about this matter and that did n't resolve the issue. On XXXX/XXXX/XXXX XXXX told me Chase took me " off his portfolio '' my " file is in limbo. I have since submitted a new application on XXXX/XXXX/XXXX through XXXX fax sheet Chase provided. I called XXXX XXXX XXXX/XXXX/XXXX he was not available nor has he called me back. I spoke with XXXX XXXX and let her know I faxed application. I called XXXX/XXXX/XXXX XXXX not available spoke with XXXX XXXX she said they received application. Explained to her the issues I have had so please have XXXX call me so we can go over it. No call from XXXX! 
I got a call from XXXX XXXX in the escalation department he says to call him if I have a problem. When we went over my application he told me I would not qualify because my sons income was too much. When I asked for an explanation he was taking 2 months of pay stubs and using it as 1 month income. I pointed out his mistake and also let him know if he would look at the contribution amount on the application it states exactly what my son contributes. I have no confidence in this representative from the escalation department, my SPOC, or executive office. I am dealing with untrained representatives. Getting different answers to same question. misinformation and not getting it in writing. I have taken detailed note of who I speak with, dates and their extension number. Please contact me if you need all the details.
I called the company on XX/XX/XXXX requesting them to remove the late payments from my account. I am up to date with my payments, and I am needing the late payments off of my account to help out with the home loan I am trying to obtain. Ally financial told me they would not do this for me, when they actually are able to do this.
The debt collector calls me everyday, not just once a day, but multiple times a day, including weekends. They ask for XXXX different names that I have no connection with, and do not know. They are very rude over the phone, before I can explain to them that they are calling the wrong number, they hang up and I can never explain it to them. When I call back to see what they are calling for, they will not tell me who they are and what company unless I first tell them my information. So I had to backtrack their phone number to find out who they are. 
They company is Coachella Valley Collection Service Located in XXXX XXXX, CA Phone number : XXXX
I have not been able to clear my credit report dispute with NationStar Mortgage. My loan was paid in full XX/XX/XXXX. They have not updated XXXX since XX/XX/XXXX. I waited till XX/XX/XXXX to first call and was told this will be completed within XXXX business days. I called back XXXX other times and they are indifferent. This negatively impacts my ability to buy a new car and my prospective employer will check my credit before they give me a company credit card for travel expenses.
On XXXX XXXX, 2015 evening, I signed a contract for a new car with features misrepresented by the salesperson. The car was returned to the dealer 's possession the next day, within XXXX hours. 
On XXXX XXXX, 2015, I was asked by the floor manager to come on XXXX XXXX, 2015, to get the problem solved when the salesperson will be at work. 
On XXXX XXXX, 2015, when came after XXXX, I was told by the salesperson that the car dealer can not do anything because it was " late, '' and I was asked by the salesperson to come on XXXX XXXX, 2015, specifically before XXXX. 
On XXXX XXXX, 2015, when I came before XXXX as requested, I had to wait for approx. two hours for the salesperson. Finally, three hours after I came, a XXXX contract for another new ( " replacement '' ) car was signed, but BACKDATED by the car dealer to XXXX XXXX, 2015, from to me unknown reasons. The XXXX contract was allegedly cancelled as never happened ( as being told by the car dealer, ) and the down payment paid on the XXXX car was fully transferred to the XXXX car contract. The car dealer did n't provide me with any document/declaration related to the cancellation of the contract for the XXXX car. 
On XXXX XXXX, 2015, I received a " Welcome '' letter, dated XXXX XXXX, 2015, from the finance company congratulating me on the purchase of the XXXX car that was in a car dealer 's possession since XXXX XXXX, 2015. The finance company opened an auto loan account for the XXXX car that I had NO POSSESSION of anymore, and the finance company reported the auto loan for the XXXX car to Credit Bureau Agencies. The finance company approved funding for the XXXX car to the car dealer, including a car dealer 's commission, on XXXX XXXX, 2015. XX/XX/2015, I received a first monthly statement, generated on XXXX XXXX, 2015, for the first car that was not in my possession since XXXX XXXX, 2015. 
The car dealer allegedly assigned the contract for the XXXX car to the finance company on XXXX XXXX, 2015. XX/XX/2015, I received a " Welcome '' letter, dated XXXX XXXX, 2015, from the same finance company congratulating me on the purchase of the XXXX car. The finance company opened an auto loan account for the XXXX car, and the finance company reported the auto loan for the XXXX car to Credit Bureau Agencies. The finance company approved funding for the XXXX car to the car dealer, including another car dealer 's commission, on XXXX XXXX, 2015. 
When I sent a letter to the finance company requesting information about the dates on which applications for auto loans were approved, the dates on which auto loans were reported as opened and closed to Credit Bureau Agencies, and other questions regarding XXXX car contracts and auto loans, the finance company refused to answer my questions stating that as a creditor they have no obligation to answer my questions.
CRA violation no knowledge fraudulent account with XXXX XXXX XXXX, address, name, telephone and inquiries that I did not authorized appeared on my Transunion credit report.
Failure to provide ways to make auto payment. Site gives errors when payments are submitted. Bill pay payments undeliverable and always get hung up on Since day one of having this account i have had nothing but issues with BBVA. From website issues, payment solutions page always giving errors when making payments, being told to go online but then tells me my account is not found. I have incurred late payments due to this even when i try to pay on time!! I have been speaking with XXXX XXXX in regards to this and all proof was sent to him and he corrected a few lates and took payments manually for me. Everytime i call i get hung up on, told i will get a call back then no call back at all, left several voicemails for XXXX and no repsponse back. I was told to login to BBVA site create account and i can pay and view bill online. Once again says no account found, or system error when i use solutions page to pay. Issue not fixed when stated it was! Last i spoke to XXXX and he said he would look into this and get it fixed moving forward and have all lates removed from my credit due to this issue. Here were are again and now 60 days late because they wont take my payments, calls, hang up on me and site still not working and my bill pay via my bank comes back undeliverable as well! I received a call back and voicemail stating they were researching the issues to fix this for me and i called back and not one phone call back since!!! They blow up my phone in collections for manual calls but everytime i answer there nasty and rude and hang up on me, or wont get me to the person i ask for to resolve this and try to explain what has been going on and was told to speak with XXXX directly since he is handling this account for me. Then when i try to call and pay they don't answer, hang up on me, or no automated payment system to even pay with! I can't even trade car in now because of all the inaccurate late pays they reported which were all from their website and payment issues. I have found out as well others who have this company are experiencing the same issues. 

I also uploaded a voicemail confirming they are researching the issues to get this resolved and fix my account and when they said for me to call back i did 2-3 times.. and not one call back or email to update me on anything. NOTHING WAS DONE!!
I have been communicating with Wells Fargo Home Mortgage since XXXX XXXX about selling my home through short sale and then by deed in lieu in order to avoid foreclosure. I was asked to send multiple copies of the same documents several times, with Wells Fargo staff saying that they did not receive the documents or that I needed to send new documents in order for the process to proceed. I complied with all of their requests, but in the end, Wells Fargo first said I qualified for a short sale, then changed their minds and told me I did not qualify for a short sale. There were multiple offers on my home during the process and Wells Fargo rejected all of them. Now, I am supposed to be in the " deed in lieu '' process. Wells Fargo staff informed me that the title of my home was not clear, thus stopping the process until the title was cleared. I purchased the home 10 years ago and the title was clear. There are no liens on my home. I am still waiting for answers to the deed in lieu process and would still like to sell my home through the short sale process. It seems Wells Fargo is putting up roadblocks to this sale at every angle. Even when complying with their requests, something else always seems to come up to stall the process. I would like to find a solution to this process. Wells Fargo business practices are shady at best. This is unfair and damaging to consumers who do business with Wells Fargo in good faith.
On XXXX XXXX at XXXX. Central Time, I spoke to a Supervisor XXXX regarding the status of my account ( did not tell me that this was an effort to collect a debt ). He gave me the details and I asked for options available for my account. XXXX option he gave was that I could attempt to sell my car to a dealer. I told him that I would explore options and proceed as needed. On XXXX XXXX, I visited a dealership and they attempted to call WFDS to obtain a payoff quote for my car, and when they were attempting to get a payoff, my account was not to be found. They attempted via my SSN and name and was unsuccessful. I visited the dealership again on XXXX XXXX as I was going to sell my car. They again attempted to contact WFDS and they were again not able to locate my account. The dealership proceeded to obtaining an approximate payoff and closed on my new loan. On XXXX XXXX ( at XXXX Central Time ), XXXX from WFDS called me to inform me that I still have an issue with my account ( to my knowledge, she did not inform me that this was an effort to collect a debt ). I explained that I sold my car to a dealership and she proceeded to tell me that if they do not receive the payoff check within a certain amount of time, they will pick up my old car from the dealer. I explained that I spoke to a supervisor to explore options and that attempts were made for a week to speak with someone and she indicated that since there are no documented calls, that she essentially did not believe me. I told her that they could not document a call if my account could not be found. She was going to call the dealer to see what is going on. I called again at XXXX to ensure that she did what she told me she was going to do, which she did. I brought up the unable to locate my account situation again and said that if they could bring up my account on this call, why not for the past week. I told her that there were multiple attempts and explained that she was pretty much calling me a liar. She said I was putting words in her mouth and that since ALL calls are recorded, they could play back the recording. I told her that I had explored the options laid out to my by XXXX, and that since calls are recorded, she can pull up that call to hear the conversation. She told mentioned that supervisor calls are not recorded, how convenient. I asked her now what and she said that they were going to discuss my account. I told her that I am considering this resolved and she said that even though the car was sold to the dealership, it is still my issue. 

As with any other experience with this company, the customer service has been poor and uncooperative. This is not how a company should operate.
INQUIRES NOT AUTHRIZED XXXX XXXX XXXX  -XX/XX/XXXX XXXX/XXXX XXXX XXXX -  XX/XX/XXXX XXXX XXXX -XX/XX/XXXXXXXX XXXX XXXX -XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX -XX/XX/XXXX
I have contacted this agency time and time again for the past 18 months. I agm a nurse and I work as a nurse in the emergency room and spend 12 hours of my day doing so. I spend another 2 hours driving back and forth to work. I have over XXXX inquiries on my report that are not mine and they refuse to do anything about it. I always get the generic letter that simply says the inquiries are of factual record and they are not. They were fraudulenty done by my husbands ex wife in an attempt to ruin our financial livelihood. My husband is a former service member and police officer and I have been a nurse for almost 10 years. We dedicate our life to public service and it is disheartening when you ca n't get a company to help stop fraud on your report. The following is a list of inquiries and I will delete the ones that I did make so that only the ones I did not make remain XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX : XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX : XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX : XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX : XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX : :XXXX Show Details XXXX/XXXX/XXXX XXXX : XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, Anything that is listed here is fraudulent and needs to be removed. I work to hard to be a victim and get no assistance.
I am trying to release my cosigner from liability for my private student loan. Wells Fargo EFS has but excessive, unnecessary, and unusual steps in the way of doing so. Specifically, it requires that the cosigner himself sign a form that is mailed by Wells Fargo directly to the cosginer asking him to release himself from liability. 
Wells Fargo insists that this is necessary because they can not release him without his permission. This makes no sense ; there is no reason that any person would have a desire to remain a cosigner on a loan if it is not required. Other companies do not do this ; XXXX released my cosigner only after my submission of a form and demonstration of myself as being a good borrower. 
In my opinion, Wells Fargo is putting this unnecessary barrier up in order specifically to prevent borrowers from getting cosigners released.
XXXX XXXX XXXX has refused to provide me with any documentation regarding the alleged debt or with any contact information for her company. I have asked for the debt to be validated every time we have spoke and she either ignores my request, states that " it has been to long now and she does n't have too '', or says that " They do n't have to provide me with information/validate the debt ''. Additionally, I have requested that the company to cease and desist contacting me. XXXX XXXX has ignored my request and continues to call. They claim the debt is from unpaid rental fees, and I do not owe it.
XXXX XXXX transitioned loans to XXXX for all my loans. Where I had paid half my principle, XXXX never reflected any payment balance and refused to acknowledge previous Loan payment history the dept of education could clearly see. XXXX also changed my payments to interest only without my approval. I confronted them through the dept of education ombudsman who advised to reorganize back through dept of ed, find a new lender or settle/work with XXXX. XXXX requested $ XXXX. They refused to negotiate or accept payments were made from XXXX XXXX or AES, nor did they ever prove I accepted interest only and refused to make changes to my loan. I found a XXXX party, XXXX XXXX, changed to XXXX, who made an agreement where I pay them to file my loan forgiveness for XXXX ( former XXXX and XXXX ) loans, put the loan into forebearance while being processed and deal with Navient. I have executed documents on XXXX. They took my money and never processed, so XXXX defaulted, knowing the document was being processed with dept of ed. PHEAA took the loan at full value, refused to accept payment history and added $ XXXX for processing fee, knowing full well the were negligent and demanded full payment and ruined my credit. I request PHEAA be investigated. They declared I owe them over $ 100k. They refused to accept payment history dept of ed and AES see in my loan records. I told them in writing and their collections call my family nonstop. I plan to renegotiate under the dept of education.
Never received bills from this company was just placed on my credit report. tried to depute with credit reporting company online. still not removed. i do n't own them.
I was lead to believe that by paying this debt that the negative remark would be removed from my credit report. I think that it is unfair that my debt has been paid only to still have it affecting me on my credit report.
Under the laws of the Fair Debt Collection Practices Act ( FDCPA ), I have requested for Collection Consultants to validate the alleged debts being reported on my credit report with XXXX, and XXXX I sent them a written request dated XXXX XXXX, 2016 via certified mail, which the online return receipt shows it was received and signed for on XXXX XXXX, 2016. Collection Consultants has not only failed to reply to my request for validation within 30 days of them receiving this request, but have violated federal law and failed to provide me with a copy of any viable evidence, bearing my signature, showing the accounts are being reported accurately. 

I made a second written request dated XXXX XXXX, 2016 via certified mail, which both online and hard copy return receipts show Collection Consultants received my letter on XXXX XXXX, 2016. I reminded them that their failure to reply to my original request for validation of the alleged debts being reported, nor providing viable evidence, is a clear violation of the FDCPA. As such, I requested for them to validate the alleged debts by providing viable evidence or have the alleged derogatory accounts deleted from my credit reports immediately. As of XXXX XXXX, 2016, Collection Consultants has failed to reply for my request for validation of the alleged debts they are reporting but also not provided any viable evidence to support their claim. 

Please note that Collection Consultants was originally reporting to the credit bureaus the following accounts as being derogatory prior to my request for validation.Since then, Collection Consultants has continually disregarded federal law but has taken the initiative to report XXXX more derogatory accounts to the credit bureaus without advising me in writing as law dictates. I am enclosing copies of my written requests, online confirmation return receipts, and credits reports to support my claims.
I received two calls pertaining to a debt for a gym membership that I have never held, the calls came from a debt collection agency called First Credit XXXX. I returned the calls while recording the conversation informing the representative that I was recording the call. They then transferred me to a supervisor who was also informed of the recording. I asked who the calls were regarding to insure they were trying to reach me, I then requested that the company destroy any information pertaining to me and withdraw any claims they may have made. Last, I informed the supervisor that I will be filing a complaint with the FTC and hung up.
On XX/XX/XXXX, 2017, I spoke with Amsher to dispute the XXXX account. I explained to the manager that I did n't owe {$1000.00} to XXXX and that I had never received the itemized bill proving to me valid charges. The supervisor said that she would file the dispute with XXXX and make sure that they send alleged charges to me. She also stated that I would not be reported to the credit bureau. Instead I was reported to all bureaus without a thorough investigation of the charges. I do n't owe XXXX {$1000.00}. Please have them remove this item from my report. 

In that same day you send me a notice telling me you could n't serve XXXX. I advised XXXX the manager that I file a complaint with your office but it could not be served On XXXX. She advised me to give their address. The same day, after being told it would be investigated, they put it on my credit bureau reports.
Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.