WillisBack/dataset-financial-user-claim huggingface dataset:
PHH purchased our loan in XXXX. Unfortunately, the previous servicer, XXXX, did not tranfer the full escrow balance over due to an error on their end. PHH recalculated our escrow and payment. This shortage was finally rectified at the end of XXXX. PHH received almost {$1600.00} which was supposed to go back into our escrow account per the instructions in the wire transfer and matching all notes and communication I have had with PHH. I have been following up ever since to get the escrow analysis redone, and the payment back to the original payment upon closing XXXX 2015. We are still waiting for our loan escrow to be analyzed again so we do n't have to worry about our automated bank payment that was set up in XXXX. ( At one point, they had XXXX different payment amounts for us. ) We made a payment in XXXX 2015 for the actual amount, already set up at our bank, not the new payment which was {$200.00} higher than our loan agreement. I was assured this would go towards XXXX w/no late charges. 
We have not even had this loan a full year and continue to have issues with sub-standard servicers. PHH reps do not speak English and I can not understand them very well so I use there email service. I also have checked the online account for current info. No one reaches out to me with full summaries of where the escrow money went, when it was posted and when the analysis will be complete. They just send statements, payment bills and respond to emails with short, partial answers that do not even begin to address my inquiry.
I have had Navient since I received my loans to complete my XXXX beginning in XXXX and finishing in XXXX. I find it incredibly difficult to find statements/summaries of my loans, since I have XXXX, and the website is very confusing to follow. I also can not find out how my loans have nearly doubled over the past 2 years, and when I call Navient to speak to someone regarding this issue, although the customer service team is very friendly, they do n't have any answers. They direct me to the website to look at my account details/summary but in this window I am still not able to find the information needed. I also was offered the Income-Based Repayment plan last year, which seemed like a positive option since my standard payments are nearly all of my take home pay per month, but by choosing this option my loans have actually gone up over the past year. I make payments of nearly XXXX/month, and to see that I have not paid off a penny, instead have incurred more cost, is very disheartening. I am not sure how I am supposed to tackle my student loan balance, but want to be sure that Navient has applied all payments correctly, and that it is truly possible for my loans to increase so drastically. It is incredibly disheartening and confusing to deal with Navient, but it feels as though I am trapped in this situation with not many options to get out. Thank you for your time and concern!
I was stunned once I ordered my XXXX, XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : 90 days past due as of XXXX XXXX and XXXX XXXX, 120 days due as of XXXX XXXX. 

I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Complaint Details : On XXXX XXXX 2016, I made an online purchase in the amount of {$160.00} from " XXXX XXXX XXXX " a company based in XXXX. This package would cover a tour and a dinner/show on XXXX XXXX and XXXX XXXX 2016. 
The refund policy of the merchant states that full refunds are given if requested within 24 hours or more before the tour date. 
The only contact information provided on the website, as well as in the confirmation email is a telephone number. 
On XXXX XXXX, 2016, I called the XXXX number provided in the confirmation email to request a refund. I was told by the representative that in order to request a refund, I have to reply to the purchase confirmation email they sent. I replied to that email on the same day. 
When I replied to that confirmation email, I received a failure response stating " Sorry, we were unable to deliver your message to the following address : '' XXXXXXXXXXXX. My subsequent calls to the merchant went unanswered. I did not use the services of the merchant as I later booked with another company. 
I then contacted Capital One on that same date, XXXX XXXX 2016, to file a dispute, clearly explaining that the merchant advertises refunds, yet provides no valid way for the customer to obtain said refund, although the customer is following their procedure outlined. In short, the merchant operated under false pretense and lied about their refund policy. 
Capital One then issued me a credit in the amount of {$160.00} ( full purchase price ) and noted that they would investigate further. 
Following their investigation, on XXXX XXXX, 2016, Capital One rebilled my account for the full amount of {$160.00}, stating that the merchant responded to the dispute and provided additional documentation. 
I submitted a response to Capital One on XXXX XXXX 2016, with my documentation, ( a copy of an email showing that I did in fact contact the merchant on XXXX XXXX 2016, but received a failure message ). 
It is now XXXX XXXX, 2016 and Capital One has made no effort to resolve this issue, and the charge of {$160.00} is still outstanding on my account which I should n't be responsible for paying ; I requested a cancellation based on the merchant 's refund policy and I did n't utilize their services. 
With this amount not paid, Capital One will charge me late fees and interest which will affect my credit rating. This is unfair to the customer. 

Please investigate and assist further.
Experian Report # XXXX Date XX/XX/18 On Notices on page 3 of 4 under notices has perceived this as a high risk because it pertain to a business or was used as a mail drop. XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Experian has incorrect information XXXX is a apartment complex named : XXXX at XXXX XXXX XXXX XXXX NV XXXX Experian has incorrect information under Notices and or need to provide proof as to may perceived as a business or mail drop or delivery service. 

Experian keeps adding information on my Personal Information page that is not correct and needs to be removed. Or provide documented proof to the information as stated by them
My name is XXXX and my complaint is against Select Portfolio Servicing , Inc, my servicer in my loan No. XXXX. Select Portfolio Servicing , Inc, started foreclosure proceeding against my homestead property with totally unclean-hands and fraudulent documentation as you can see in the attached documentation. Foreclosure Case No. XXXX placed in XXXX County Florida, has been enter into court with fraudulent note, fraudulent adjustable rate ride and fraudulent correction/Modification of Mortgage never signed but executed them by Plaintiff and enter them as Exhibits in my foreclosure case. I closed my property in XX/XX/XXXX in XXXX and never received copies of my originals documents, I was told that I will get them in the mail. On XX/XX/XXXX I received a total different set of documentation for me to sign, I requested a copy of the first set of documentation to make sure nothing had changed and I never received a response, additionally they told me they would add my wife in the mortgage, since I started this process of purchasing my home from my now actual wife, before marriage, and at the time of closing I was already married. Me and my wife advised the same information to the mortgage broker at the time. So I held on to the documentation and keep the originals never signed. The first sign of fraud to the court was in my foreclosure case in XX/XX/XXXX- Case No. XXXX, were the lender certified to have the original note on my property such note was fraudulent signed, since I have the originals of this note and was never signed or executed by me. That foreclosure case was voluntary dismiss by Plaintiff in that case. Come XX/XX/XXXX I get served with a second foreclosure case after almost 9 years, and Select Portfolio Servicing , Inc again certifying of the same, including the two adjustable rate ride, and a correction/modifications of Mortgage Documents that I never that I never signed. As far as a modification of mortgage, Plaintiff XXXX ( Investor ) does not modified since they never took funds from TARP. 
Second case of Fraud : Lack of standing bringing this case with an assignment of mortgage recorded and executed on XX/XX/XXXX by XXXX as Vice President and nominee for Accredited Home Loans. Accredited had filled BK Chapter XXXX, since XX/XX/XXXX and was administratively dissolved and repudiate all their contracts that including XXXX, so assignment of mortgage is totally ineffective. I had executed letters also to our State Attorney General, Offices of XXXX and to our governor XXXX. ( See attached ). I do want to fine a way to keep my home but homeowner 's had suffer huge losses due to lender and services unethical practices. Thanking you in advance for your help in this matter.
XXXX XXXX is the original creditor for my auto loan. I had a life event and unfortunately could n't pay. They have since sold the debt to XXXX XXXX XXXX and now they BOTH are reporting the same debt and attempting to collect on the debt. 
By law XXXX creditors can not collect on the same debt at the same time. -- -Also the debt is past the statute of limitations!! When I call either of them, nobody knows what they are doing and they do n't try to help. I have contacted my attorney as well as filed a complaint with the attorney general. They need to fix this. The next correspondence will be from my attorney ....
Ally Financial received payment from XXXX XXXX on a GAP claim in the amount of {$6500.00} on XX/XX/2018. It took them two full weeks to process the payment. Since I had been making payments during the very extended claim process with XXXX XXXX. The payment of {$6500.00} resulted in an over payment of {$2100.00} on the loan which should have been refunded to me. I have confirmed with XXXX XXXX and they stated the payment made to Ally Financial was from the date of loss and any over payment should have been refunded to me by Ally. The overpayment has not been sent back to XXXX XXXX. I have made multiple calls to Ally Financial regarding this matter but still have not received the refund or even an explanation of why the funds do not show as a positive balance on the account.
I recently applied for cash magnet from amex and got approved immediately. Since, I was receiving offer letter to apply for blue cash everyday credit card of amex for more than 2 years, I decided to apply for bluecash every day as well after 2 weeks of approving for cash magnet. Before applying, I searched on the internet and I found that the best plan is to use both combination of cash magnet and bluecash everyday together for everyday purchases and there is no constraint to apply for both. 

However, surprisingly I got declined immediately from amex for bluecash everyday! I called and explained the situation and the representative told me my account is in good shape and the only reason that I go declined was because system thought it is a duplicate application based on your current cash magnet application and that is why you got declined. As a result, we review your application manually and you would receive a call soon regarding our decision which would be your approval for the credit card! 

After 5 days, I receive a mail which is noticed me the amex abide by their decision and I am not qualify for being exception of approval for bluecash everyday! I was shocked when I read that mail as I expected to receive a call and being approved for the bluecash every day credit card! 

I called amex again afterward and I was told your application can not be approved as you already have the cash magnet credit card! 

I searched again on the internet and I could not find any policy any where regarding to not be able have both card at the same time! There are many people outside that talking about the benefits of using both card together as a combination! Also, if there was a policy I should know it ahead of applying to not allow them to pull up my credit report account! 

I need amex to review my account once again and approve my application. 

Bests, XXXX.
Equifax has been non-compliant with removing the unverified account XXXX  XXXX XXXX Opened Date XX/XX/2015 which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX  XXXX XXXX   was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Chase Bank didd a hard credit pull on my account onXX/XX/XXXX, XX/XX/XXXX. I have asked them several times to provide verified authorization of the hard inquiry. They have yet to produce the verification and they told me they will not remove it from my credit report i am a victim of inquiry issues. I call all 3 CRA and they are not removing them after I have spoken to Chase rep XXXX XXXX credit bureau specialist on XX/XX/XXXXat the cooperate office who stated it would be resolved in 15 working days instead i am just accumulating more hard inquires. Pls have these removed it is affecting my credit report and all the CRA do not care because it is better business for them if I have poor credit
On XXXX XXXX, 2015 I went to the ATM machine to withdraw {$500.00} and the machine never dispensed the money but after checking my balance it showed it has been taking out. I called the bank and they said that give it one day and my account will adjust it self but that never happened so I called them and was advised I needed to file a ATM dispute and it can take up to 10 days for them to investigate it and after 2 business days I called to follow up and was told my claim was denied. I told them that nothing came out and it ca n't be denied and the rep asked if I wanted to resubmit my claim, I told her yes I do. After 10 days they told me the claim was again denied and the ATM balanced. Iam not out of {$500.00} due to there ATM machine malfunction. I need help please.
Ocwen, a debt collector, is refusing to generate a satisfaction letter to me in regard to a house I have. I do not owe them anything and have documents and proof from them that I have a zero balance with them. After a bankruptcy of which I was discharged from in XX/XX/XXXX, Ocwen who took over a company ( XXXX ) who was on my bankruptcy list of which I had been discharged from continued to send me bills of which I paid for 10 years. I came to find recently that they had no business billing me because of the bankruptcy issue. A lien was placed on my rental property by Ocwen of which I did not know about. I tried to sell the house and the title search showed this lien that I was not aware of. I had XXXX prospective entered into a contract but this lien stopped the selling of the property. Ocwen will not generate a satisfaction letter stating the lien is lifted. I have been requesting this letter for 2 months and all I get is a runaround and being told that it takes 2 to 6 months to receive this satisfaction letter. I have lost buyers, I have spent {$2000.00} due to inspections and repairs needed to satisfy the sale of the home before this lien issue came up. The house is still empty and I can not do any type of selling of the property until Ocwen releases this lien. There was closing date which did not happen and the potential buyer wants to sue me for his accrued expenses in preparing for his purchase of the house. I feel Ocwen owes me not only for the failure to generate that satisfaction letter, but for the 10 years of payments that they received from my of which they illegally collected. They knew that XXXX was on my bankruptcy list when they took over XXXX 's business. What makes it ironic is the fact that Ocwen was the main mortgage holder on the property, of which I am current with my payments, and they so happened took over XXXX 's business when XXXX closed business. They unlawfully billed me and collected money from me from that XXXX account for all the years and I have documents and proof of that. They knew that was taken care of through the chapter XXXX bankruptcy in filed I XXXX and was XXXX in XXXX. Ocwen sent me letters stating that the loan was forgiven and I have a zero balance with them. I have copies of the letters and other relevant documents to support my case. Ocwen is a rip off company and their liscence needs to be revoked. They owe me not only the monies they illegally got from me, but also for the opportunities I had to sell my house but could not because they will not release a satisfaction letter to me to release the illegal lien they have on my house.
I have a home equity line of credit. I used it to pay off my mortgage to reduce the interest rate. Both the line of credit and the mortgage were with Wells Fargo. Both debts would be paid in-full had Wells Fargo not arbitrarily frozen the line of credit after the financial crash. I have excellent credit and have never been late on a payment. I met all terms of the agreement. Instead of being debt free, I still owe approximately {$23000.00}. There was and is a contract. What law gives Wells Fargo the right to unilaterally change the terms?
In 2012 someone fraudulently used my business data to open a Card Processing Account with XXXX XXXX XXXX & First Data ( www.firstdata.com ). These 2 institutions did not verified my business address, phone and email and never contacted me on their underwriting process. Due to the problems they had with the fraudster they closed those 2 accounts and put my Business information on MATCH List and I am currently unable to open Merchant Account for my business and loosing business due to their fault.
On XX/XX/XXXX I sent out a validation letter requesting validation of debt. In the letter I asked XXXX Care Credit ( XXXX XXXX ) to validate debts by providing me with 1. agreement with creditor that authorizes collection on debt 2. agreement bearing my signature stating I agree to assume debt 3. valid copies of debt agreement stating amount and of debt and interest charges 4. proof that the statute of limitations has not expired & 1. complete payment history along with an accounting of all additional charges 2. proof they are licensed to collect in my state 3. license numbers and registered agent 4. cease any credit bureau reporting until the debt has been validated by me. 

As of XX/XX/XXXX I have not received a letter in response to the validation request however on XX/XX/XXXX the collection was updated to the Credit Bureaus
On XXXX the XXXX my car loan company accidentally double charged my account. I contacted them and they refunded the funds well by Wednesday the XXXX these funds were still pending. I contacted rush card and they assured me my funds would be posted by Friday. That never happened, I called rush card and I held for over an hour finally a lady came on I explained again what happened she then called my auto loan company on XXXX way and was told they already refunded the amount and on their end it was adjusted and closed she even gave the transaction number. The rep assured once again that the funds should post with in the hour. I went to make a purchase XXXX hours later and my card declined. I called back held for another XXXX hours she then told me she escalated the issue and the funds will show available. Again no money has posted of course I call back held for another hour only to hear the guy did n't have access to the system and after he offered a supervisor rudely hung up on me. It 's wrong and unfair it 's been over the time frame they gave and I still do n't have my money which means bills ca n't get paid and o ca n't make purchases to take care of my children. Rush card customer service if rude absAnd unpleasant I have been patient but this is over board.
There was a check that was deposited on XX/XX/2016 that I did not know was fraudulent. Wells Fargo decided to close my account on the XXXX/XXXX/16 without even a phone call or an email concerning the matter. It took me going to a branch ( which is an hour away from me ) to find out that the account was being closed on XXXX/XXXX/16. The banker XXXX ( XXXX XXXX XXXX ) informed me that once it is sent that there is nothing that can be done on their end. This was something that has never happened before and for them to just close my account without even hearing my side of it is completely absurd to me.
I was contacted in XX/XX/XXXX from XXXX XX/XX/XXXXabout a {$150.00} medical Bill. Spoke with XXXX I agreed to have this deducted from my checking on XX/XX/XXXX. It was deducted on XX/XX/XXXX I called them on XX/XX/XXXX only to be told the manager would listen to the phone call. Called on Friday was told the manager hasn't reviewed the phone call I pleaded with them to put back into my account. Spoke with XXXX  on the following Monday to tell me I was right and they would put the money in my account. They call my phone every morning when I answer they hang up. I finally was able to talk to XXXX today who said I would get my money back on XX/XX/XXXX. I told her this is my money you took it out of my account in which I didn't authorize she told me they don't put it back in my account for 3 weeks to make sure this isn't a NSF. I explained to her my bank wouldn't have given you the money unless it was there. They are giving me the run around all I want is my money. Please help me
XX/XX/XXXX, 2018, Prince Parker send me a letter to collect {$340.00}. 
I called them that this is a wrong collection, but they asked me to call XXXX XXXX XXXX, I contacted XXXX XXXX XXXX many times no way to resolve the issue.
I have a Platinum Card from XXXX XXXX, which does not have a preset limit as many charge cards do n't. For that reason it is not really easy to calculate the credit utilization on the card. As a shortcut Experian has the solution by taking the ever highest charge on the card as the limit. So because I charged the card for XXXX in a certain month they set the limit and such. So if XXXX accepts to charge higher they should set the limit to that new value. In my case though they froze it XXXX. The card was charged XXXX - instead of updating the limit as XXXX they reported the account as above the credit limit. When I complained about this they create a dispute with XXXX, although I told them XXXX is not at fault, it is their calculation that is faulty. However they will not listen to me. This month I had XXXX charge on the card, and on Experian I am above the credit limit while XXXX will say there is no such preset limit. Talking to their support is like talking to a wall. Experian needs to see they are not above the laws and regulations and correct their mistake. Either they have to remove the credit limit on that account or the have to update it with ever highest charge on the card like XXXX and XXXX do.
Got this loan long story short fell into financial hardships due to unexpected medical problems. Could n't pay the loan now the company is contacting me for numerous different numbers as well as calling my place of work my brother and girlfriend constantly.