WillisBack/dataset-financial-user-claim huggingface dataset:
My rental home has been in a short sale for 7 months and the company that bought my loan out from XXXX is SPS portfolio managing. Both companies have made the processing time on the sale of this home unbearable. They have had several offerss and a XXXX where offers began and they have still found every reason to not allow this loan to close. They never give me nor the title company involved the same or correct information. I have emails strings that go on for months about contacting the company and what they say they need in order to close this loan, yet they have not be efficient or effective in communication with myself, and the closing company.
I called the bank BBVA compass who holds my mortgage to inquire on the amount for me to pay o my principle to be able to cancel my payment mortgage insurance. The bank refused to provide me with that information. They also refused to give me information on how to calculate the payoff amount for me to get to 80 % loan to value ratio.
Hello, I have received my first notice about the debt collection. I responded to the letter by making a {$300.00} payment immediately. I followed with another payment of {$200.00}. Then another payment of {$200.00}. I was left with a {$500.00} balance out of {$1100.00}. When I received a notice for it, I immediately paid {$250.00} over the website. And for the remaining balance, I called the collection agency to pay over the phone. I was never notified may account was reported and when I found out I requested my report to be removed and deleted from my credit report because it damaged my credit tremendously by a negative of 100 FICO score. I was told they do not report to the credit bureaus, it is on a regular schedule. I asked do you guys report start or end of the month? I was not given a definite answer. After payment my balance I did not feel reassured my collections account would be deleted on my credit report. Now here I am with a paid off balance. The collection account was reported on XX/XX/XXXX, instead of XX/XX/XXXX when it was originatelly dated. I want this account removed from my credit report. If they are unsuccessful, I will dispute a fraud chargeback with my bank account immediately, which was used to pay for the XXXX
Experian as repeatedly claimed to ave re-verified information that either is n't mine or is n't correct. They 've ruined my credit for years. I also added a fraud alert and they continue releasing my report without my permission and the inquiries do not meet fair use criteria. Finally, they report incorrect personal information and refuse to remove it no matter what proof I provide. 
I am providing proof I have a {$0.00} balance on my XXXX XXXX Credit Card. 
XXXX XXXX is not my account and has never been. I do have an XXXX account with a {$2800.00} limit, but it 's not this account number. 
XXXX XXXX XXXX is older than 7 years and should n't be on my report to begin with, but I also ave proof from them it should be removed. 
XXXX had no right to request my credit report for fair use or any other reason. This inquiry must be removed ASAP XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type All banks - non specific Contact Information XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX I 've ad to pay for alerts and credit monitoring due to their gross mishandling of my file aka my life.
I need some assistance with my foreclosure sale date scheduled on XXXX/XXXX/16. I am already in review for a loan modification and have given all the information that has been asked of me for the review. I just need help getting the sale date postponed.
Called a student loan forgiveness loan department and they wanted me to pay a fee of {$500.00} after i gave them sensitive information. XXXX
About American Express problem doing business on my website, and I 've pound American Express try to offer me for credit for any kind of used open American Express.this report and complaint was related to the complaint I was filed earlier.for this complaint I want to open and make the investigation go start to solve the banking issue that make a lot of corruption.this issue are serious and confidential to all viewers? its a bravery and dangerous.So please give a fastest results and start the best a soon as possible? In my part was critical everything that getting me down or distractions to stop me.Be frankly I need support and guide for this issue.As iI search it has I big group. That have connection to government or work in government agencies.Its hard to written right now distracting me.
Hello, I submitted a complaint # XXXX and the company has closed it. The company ( Roundpoint Mortgage ) responded within 2 days of my complaint. They have confirmed via email and phone ( XXXX XXXX ) that the forceplaced insurance amount they stated of {$2500.00} will be refunded and effective XX/XX/XXXX, it will no longer be applied. Two issues remain outstanding. I have followed up with XXXX XXXX  ( my assigned contact ) twice, in the last 10 days and have not received a response. ISSUE 1 : Roundpoint states that the forceplaced insurance amount to be refunded is {$2500.00}, however I was actually charged an extra $ XXXX/month for the forceplaced insurance since XX/XX/XXXX. 9 months x {$580.00} = {$5200.00}. I expect to be refunded this amount and Roundpoint has not yet responded to this discrepancy. They continue to neglect my inquiries regarding the discrepancy and only respond to address the {$2500.00} amount. I expect to be refunded for the erroneous amount I was actually debited, not what they state to be the amount. Issue 2 : I have not received a response on the timing of the refund.
I have been a Discover credit card member since 2005. Several years ago, I used the card to purchase home improvement material. The monthly payments were being made on time. However, after making payments for some time, Discover representative informed me that the low promotional interest rate would now change to higher interest rate. While I tried to explain this promotional rate should remain, they would not hear of it and raised my rate to around 9 %. After another year of making on time payments, Discovered called again and raised the interest rate a second time to around 16 %. I objected to raising the rate on purchases that were initially made on a low promotional rate offer. In addition, for no reason provided, Discover significantly reduced my limits on the card to the balance remaining further preventing me to purchase on the card. I continued to make on time payments, and once again Discover reduced the limit to balance remaining. This practice of reducing limits continued as the principal was paid down. I objected that if I am making on time payments at higher rates and never late, why the reduction in credit limit. The bank stated that this was their normal practice based on review of my credit card statement. Again, I had no choice but to continue to make monthly payments on a higher interest rate. Finally as recently as a year ago, the rate was once again raised to 21 % and the credit limit was once again reduced. I believe the bank is illegally changing terms in the middle of the contract and continuing to raise interest rate higher than those offered by competing banks. Also, Discover continues to reduce my credit card limit although payments are always made on time. This is not a fair bank practice and in my opinion illegal. A loyal customers like myself who has been with this bank since 2005 should not be taken advantage of and who has demonstrated good on time payment history. Because the bank unreasonably increased my rates several times and reduced my limit several times, these actions by Discover has placed undue hardship on me and my family, taken advantage of my financial situation, and in my opinion is an illegal practice.
Some random XXXX debt appear in my credit score saying it went to collection. I have NEVER been a client of XXXX XXXX XXXX I was a victim of identity thief when XXXX had their security breach and this was how they got my identity. This debt is not mine and is ruining my excelent credit. My name is XXXX XXXX XXXX and I live in Illinois, I haven't even been in the state where this debt is coming from. Please fix this as soon as posible because I will be in the process of buying a property and this will hurt my chances of getting it. 

Please contact me via email : XXXX XXXX
I have recently started a dispute process with the credit bureaus regarding a bankruptcy that is on my credit file with inaccurate information. BeginningXX/XX/XXXX 2017 in order for the credit bureaus to report public information on your credit file it must contain ; name date of birth socia security number and address which tied the debt to you, I have disputed this bankruptcy multiple times and the credit bureaus have yet to follow the new law inplace, yet all they have done was updated this bankruptcy with the information about the court where the bankruptcy was filed. I have contacted the court and was advised they have NOT verified a bankruptcy being tied to me with ANY of the credit bureaus, therefore I would like this information to be rereviewed and REMOVED from my credit file
I was pleased to find out from the XXXX 's XXXX and Social Security that the direct deposit posted into my mom 's checking account on XX/XX/XXXX was indeed what she had earned and was entitled to for the month of XX/XX/XXXX. My mom passed away on XX/XX/XXXX and this money would certainly help pay for her funeral and burial expenses that I had to put on my credit card, being my mom had no life insurance and and lived in a personal care home for the last 2 years of her life which was extremely costly. PNC Bank XXXX XXXX, PA took it upon themselves to put a hold on these deposits without me knowing which led to the bank account to be overdrawn. I had to transfer my own money into the account to make sure the did not charge any fees on top of messing with this money that was due my mom. They are sending the money back to the VA and SS and actually lied to me and told me the VA contacted them and wanted it back. I talked to about XXXX different people at PNC and got different answers from everyone of them. No one seemed to know why this was happening. I contacted the VA and SS several times and each time they told me they do not want the money back. If it comes back, I have to complete forms and they have to reissue the checks to me which can take a long time. The last rep that I talked to at PNC said they are Federally Regulated to do this when a person dies. I contacted the FDIC and the rep there could not find anything that would suggest this. Another lie! My name is also on this account. I have taken care of my mom 's affairs for 15 years, she lived with me and my family for 2 years before having to go to a skilled XXXX home. It is an absolute shame that PNC Bank is putting us through this at such a delicate time. They have no right to control my mom 's money like this and make this harder for us to have closure. We are on a very close time frame to make this matter stop, the money is on a hold and if the checks have been sent they need to stop payment. If this sadly does not happen for us, I sincerely hope this does n't happen to another family.
EVERBANK - now known as TIAA Bank, by a merger or acquisition, of EverBank by TIAA FSB is  the financial institution that cheated me out of most of the {$15000.00} principal of my Certificate Of Deposit. I understand the formal name is TIAA FSB. The acquisition took place in XX/XX/XXXX and the name change in XX/XX/XXXX.

I opened, in XX/XX/XXXX or XX/XX/XXXX, a {$15000.00} " WorldCurrency '' Certificate Of Deposit with EverBank when its headquarters building was located in New York State, and the currency EverBank recommended, and that I agreed to use, was XXXX XXXX. I sent EverBank a check for {$15000.00} or used a wire transfer of some kind, to make the deposit. 
The money deposited was to be used, I was told, to buy XXXX government " bonds '' of some kind, that were paying about 15 % annual interest rate, and that the amount of the CD would grow fast with re-investment of the proceeds. Monthly and/or quarterly statements were sent to me until XX/XX/XXXX showing the interest being paid on the CD and the re-investment ostensibly occurring. 

On or about XX/XX/XXXX -XX/XX/XXXX, EverBank abruptly closed my WorldCurrency CD, without my consent - a " forced closing '' of my CD by EverBank - not by me, and returned about {$4100.00} to me. The rest of the money was kept by EverBank - that is, all the rest of principal and all the ostensible " interest '' earned. EverBank just terminated the CD deposit and took most of my money. I lost almost {$11000.00} in principal and all of the supposedly earned interest. The total loss was about {$18000.00}. The FDIC would not reimburse me, ever. 

I contacted EverBank many times by telephone and asked for my money back and I was told by employees, who would not give their names to me, that there would be no more money refunded, and there was nothing that could be done. No real compensation was ever developed by litigation either, so I remain cheated out of about {$11000.00} principal and about {$18000.00} in interest plus principal. 

There was a " class action '' lawsuit, XXXX XXXX EverBank, filed by a WorldCurrency  CD customer, against EverBank in Federal Court in XXXX XXXX California Federal District Court, in XX/XX/XXXX, and this was eventually settled for a small amount of money, and a check for about {$400.00} to {$450.00} was sent to me by the funds distribution company appointed by the Federal Court Judge in the lawsuit. I did not endorse or negotiate the check, because I didn't want to accept such a small amount of money, tiny really, and compromise my rights. I still have the check. 

The top executive at EverBank admitted I had been cheated in his own Declaration that he signed, filed in the lawsuit record : On XX/XX/XXXX, EverBank 's Executive Vice President, XXXX XXXX filed a declaration to the court in response to the lawsuit. In the declaration, XXXX admitted that a total of XXXX investors lost {>= $1,000,000} as a result of Everbank 's forced closing of their XXXX XXXX denominated " CDs ''. That averages out to a loss of about {$18000.00} per account. I am one of those customers who lost his investment because of EverBank 's forced closing of my CD.
I NEED A LIST OF ALL PAYMENTS MADE VIA XXXX OR XXXX XXXX BETWWEN XX/XX/XXXX TO XX/XX/XXXX SENT TO RECEIVING CODE XXXX.
They are told to contact the primary contact, myself, and called my cosigner 8 times over a Saturday ; then when I spoke to them on XX/XX/XXXX they said I was off the call list until my payment processed. Since then they have called multiple times every day, and every time I answer they tell me the calls will stop, only to get another call 2 hours later. On top of this they include future payments in the total amount due at this time and have threatened my mom with statements such as " this will be on your credit report if you do n't pay {$1400.00} today '' when realistically we had 30+ days before it would be reported, and only had to make a payment of {$700.00} to get the delinquency reduced by 30 days. I called this week and they told me what was due as of today, but when I did the math that is what I owed through an XX/XX/XXXX due date.
XXXX XXXX ( XXXX XXXX XXXX Store Credit Card ) ending in XXXX. I received a late notice from XXXX XXXX  saying that I was late and the company also assessed a late charge of {$38.00} to the account for the month of XX/XX/XXXX. The account is interest-free until XXXX and with a minimum payment of {$68.00}. However, on XX/XX/XXXX, I made a payment to the account for {$100.00} to was meant for XX/XX/XXXX. A called the bank on XX/XX/XXXX, to correct the payment and to have the payment applied to the XXXX month. I was told the payment had already applied to the principle and as such the payment could not be moved or credited to the right month of XX/XX/XXXX. 

This a scare tactic that the bank has employed to frustrate customer into paying off the account since they know they are not earning any interest. I was actually told that " they could not help me ''. In order to prevent any negative marks on my credit, I made a payment of {$68.00} on XX/XX/XXXX. With the payment, they received two payments from XX/XX/XXXX. 

I believe the bank is discriminatory towards customer they are not making interest payment off. I think the bank is out to frustrate customer with these accounts into paying off the account early through harassment and servicing frustrations. XXXX XXXX   needs to be held accountable for such acts as they are making other financial service companies look bad.
My request to remove my PMI ( mortgage insurance ) was wrongfully denied. The terms to remove the PMI were to have at least 20 % equity in your home. After 2 years of on time payments and the value of our house increasing we have reached over the required amount. I requested a new appraisal and had to pay {$450.00} out of my own funds for Freedom Mortgage to schedule an appraiser to come  out to get the new value of my house. The appraisal came back at {$240000.00} and I owe {$190000.00} so that puts me at 21.7 % equity in my home which would terminate the PMI of $ XXXX/month that I am paying. When I submitted this to Freedom Mortgage they denied my request to remove it and also could not give me a reason why.
On XX/XX/XXXX I checked my credit report and found a debt collection company had a collection account for me. I called the company XXXX XXXX XXXX XXXX XXXX they said it was for a payday loan taken out in 2015. I never took this loan out and the bank they have listed is not the bank I use.
My mother had fallen ill in XX/XX/2016 and subsequently passed in XX/XX/2016. I had missed some time off work under FMLA and as a result my mortgage fell behind but I was keeping up with the payments just enough to avoid the property going into foreclosure so I could catch up later. 

On XX/XX/2016, as I was driving, I phoned my mortgage company to check on the last date I could make a payment to avoid my property going into foreclosure and was told my one of their relationship managers that I had until XX/XX/2016, to make the payment. Because there was a language barrier, I asked her three separate times to make sure I understood the exact date and she told me three times that I had until XX/XX/2016, to make the payment. On XX/XX/2016, I attempted to make the payment online and could n't. I then phoned the company and informed another relationship manager that the computer was n't letting me make a payment and he informed me that I had missed the 89 days and would have to make the complete three month payment in order to bring the loan current. I told him I was not even aware of any 89-day rule and he said the relationship manager I had previously spoken with was supposed to inform me and I told him she had not or I would have made the payment with her over the phone that same day while I had her on the phone. 

I then contacted the mortgage company 's Resolution department to have the call pulled. They said they pulled the call but later told me they could not provide me any information on their findings. I explained the situation and complained that their staff had given me some mis-information which caused me to miss my deadline and therefore send my loan into the foreclosure status I was trying to avoid. 

I filed a complaint and after many many weeks, I was giving the opportunity to apply for a loan modification. This process took several months and they took their time about requesting the necessary information from me in a timely manner and seemed to be stalling. This eventually caused me to miss the deadline for getting the " Making homes affordable '' plan at the end of XX/XX/2016. Now my loan modification has been approved but the note is almost doubled from what I was paying before which is causing me another hardship and which could eventually lead to me losing my property. 

I was initially lied to and manipulated into making my payment after the allotted time so I would be forced into foreclosure. I was also denied the findings of the phone conversation. I have documented each and every call I 've made to the company. Prior to my mother falling ill, I had not made any late payments on my mortgage. I even made double payments a few times. Their mis-hap has also caused my credit to be affected negatively.
Sometimes in XXXX XXXX, I have enrolled a XXXX party named National Biweekly Administration ( NBA ) for biweekly payment. The person who contacted me for this promotion was as follows : XXXX XXXXEnrollment SpecialistNationwide Biweekly Administration, Inc. 
855 Lower Bellbrook RdXenia, OH XXXX XXXX XXXX faxOn XXXX XXXX, XXXX National Bi Weekly Administration ( NBA ) sent me an email saying that '' Unfortunately, we write today to inform you that due to the loss of NBA 's banking relationships, your account will be TEMPORARILY deactivated effectively immediately .... This is not your fault, and we are working hard to resolve this situation as soon as possible. The most important things that you need to know are that:1. If we debited your account sufficiently in XXXX, NBA will make your next payment due XXXX XXXX, XXXX ; 2. We will NOT be debiting your account in XXXX. 
3. YOU will need to make your next FULL LOAN PAYMENT due XXXX XXXX, XXXX directly to your lender yourself ; and4. If there are any funds remaining in trust after NBA makes your XXXX XXXX, XXXX payment, they will be promptly returned to you. " However, the NBA did not offer reimbursement of all the fees that they have charged me so far for this service. My problem is I was left with the obligation to set up a bank payment and make the payment directly. I called NBA customer service but they do not respond and no live customer service representative is there to take my call. I am requesting a prorated refund of the setup fee paid them including the service charge applied to the last refunded withdraw. Also written confirmation that the account is cancelled and not just suspended.
XXXX XXXX They were supposed to update credit bureaus as of XX/XX/XXXX info since my wifes been calling since XX/XX/XXXX as it is closed then open on both our credit reports and, I did threaten to sue them for the pain and suffering it has caused. It has been closed and opened since XX/XX/XXXX off and on. We originally told we would get a new acct number since we redid our loan. 

They are taking their time meanwhile harassing both of us by phone call after phone call. Spoke to a XXXX who claimed it to be Equifax at fault for reporting false information. That they submit information and, its up the credit bureaus to accurately report. 

My credit shows the account as being closed as she is the primary holder updated on XX/XX/XXXX on Equifax. The letter we received from XXXX shows it was closed with no balance as of XXXX on XX/XX/XXXX.
I was a victim of TransUnions inquiry issue. Inquires were removed then later re-added to me report without a 5 day notice as required by law. Additionally I 've tried contacting customer service about this and they continue to play stupid. I also let them know I was a victim of thTransUnion broke the law and they need to take the following inquires off my report permanently : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX