WillisBack/dataset-financial-user-claim huggingface dataset:
We originally had a loan with XXXX. It was serviced by Greentree for a while and now Ditech. We 've had a terrible experience with both Greentree and Ditech. 
In the past I submitted complaints about Greentree with the Department of Business Oversight.Therefore, I 'll limit this complaint to my experience with Ditech. We were making biweekly payments with XXXX and have continued making biweekly payments all along. Ditech apparently ca n't handle biweekly payments. I have spent countless hours trying to figure out what they are doing. There were a couple of months where my balance went up instead of down and they were charging late fees for electronic payments that were deducted directly from our account. As a matter of fact, they should have had excess money, as I recently started making additional payments to reduce the principal balance. Having the extra payment be applied directly to principal reduction is also a challenge. They hold the money in an unapplied funds account. I have to call to make sure they apply the funds towards principal reduction. Every time I call I get different explanations. 
Regarding the late fee, they said that the payment for XXXX XXXX, 2016 was returned. We checked our XXXX XXXX account and the funds were withdrawn. When I called back the new customer rep said that the funds for XXXX were there. Now he says the the XXXX XXXX statement was returned. This was not the first time they claimed a payment was returned and charged a late fee when, in fact, the money was withdrawn from our bank account. 
It is impossible to know how they are applying our payments as they misapply funds and they go back and reallocate the money. On the website you ca n't see the details unless you click on it. Which makes it extremely hard to see the full picture. 
I have requested numerous times an amortization schedule based on biweekly payments, and every time they send me an amortization schedule based on monthly payments. 
At this point I have XXXX confidence on ditech being able to service my loan.
{$140.00} was stolen from account and the company responsible ( XXXX a know fraudent enterpise ) has attempted to refund this but the bank ( capital one 360 ) is not allowing the refund to post to my account. 

They have also offered to send a check which the bank is preventing. I was told by the bank to seek resolution from the company which I have done so I am confused as to why they don't accept the refund back to my account. 

I have been mailed papers from the bank that don't relate to my issue since these charges were fraud and continue to be shocked by the bank 's behavior on the phone and unwillingness to rectify this after telling me to seek resolution from the offending company which I have done. I continue to be owed this refund and the bank seems complicit in this fraud. I have been a bank customer since 2003 and have never had a problem before this.
I am on an income based repayment plan. It seems within the last year my loans have skyrocketed $ XXXX making my total debt $ XXXX. After checking my credit report on XXXX/XXXX/2017 the loan balance has went up by roughly {$500.00}. The interest on my loans are absolutely absurd and it makes it impossible to pay back.
I have a foreclosure sale date of XX/XX/2018. I have submitted my offer to the bank for a short sale, and the bank is stating that they can not review the documentation due to the time frame. I feel as if i am about to lose my mind. I have been trying to maintain this mortgage for the last year. I had informed my lender that i was having trouble, I have tried my hardest, and I am desperate for help. I feel as if my lender is being unreasonable and they are not doing what the government says the lenders should to provide foreclosure alternatives to me ( as the homeowner ). Please help me.
I was approved for a MileagePlus ( MP ) Credit Card from Chase Bank on XXXX XXXX, XXXX. For being approved, Chase Bank offered an enrollment bonus of XXXX flight miles on XXXX XXXX. I intended to use this card solely for out-of-state travel purposes, which I rarely do. 

My MP quarterly statement ending XXXX XXXX, XXXX did show XXXX enrollment miles, which I thought would be adjusted once my minimum {$2000.00} payment of purchases within 90 days of receiving the card was processed. Said payment was made on XXXX XXXX, XXXX. ( This was a requirement of the XXXX miles bonus program. I later learned the XXXX mile offer required only {$1000.00}. ) It was only recently did I realize that the more than XXXX miles accredited to my card since my XXXX XXXX, XXXX quarterly statement, still only accounted for XXXX enrollment miles. 

I called MP on XXXX XXXX, XXXX to request the balance of XXXX enrollment miles. ( The original cardmember agreement I received with a copyright of XXXX did not state the number of introductory bonus miles. ) I eventually spoke to a Supervisor in their XXXX XXXX, TX office. ( Her name can be provided upon request. ) She did not dispute that the original offer was for XXXX enrollment miles, but said she would not approve the XXXX additional miles since my credit card was approved more than a year ago. I asked if she could send me where in the agreement does it state this XXXX year limitation. She could not. She then stated it was their policy. I then asked if that was in writing. She said no. 

A recent web search revealed that this matter regarding MP 's enrollment miles has been subject to extensive discussion among consumers for some time. For example, see XXXX XXXX.
On XX/XX/XXXX, I mailed XXXX XXXX letters concerning two accounts that were part of an account they purchased through an original creditor, XXXX XXXX. I expressed to them that the collection accounts that they had were fraudulent. They then sent me a generic statement saying that the accounts were valid on XX/XX/2018. 
I have filed my identity theft report through the FTC and also filed a report with my local police department. All three credit bureaus have deleted the XXXX XXXX accounts from my credit report. The fraudulent accounts that went to collections from the original creditor needs to be deleted. I need XXXX XXXX to delete the following collection accounts ; XXXX XXXX   Account Number XXXX XXXX Account Number XXXX {$2300.00} XXXX XXXX Account Number XXXX Midland Account Number XXXX {$1200.00} I have sent in numerous requests since XX/XX/2018 and it is now mid XXXX and all acts of civility are out of the window please help resolve this matter. 

Thank you in advance for resolving this issue in a timely manner.
My credit card bank provides me my credit score which information is provided to it by Transunion. When I check my credit score the website says the credit score is impacted by two problems : serious delinquency and too few accounts as paid. Neither statement is correct. I have complained about this misinformation to Transunion on at least two occasions, but while they respond by sending me my credit report - which shows no serious delinquencies, or late payments - and that the information complained about has been updated, and they send me info on the credit card payments - about which I have never complained - the information reported to my credit card bank remains inaccurate. my transunion file no is File number XXXX.
My refinance started in XX/XX/2015 with Carrington Mortgage. Around XX/XX/XXXX I called them for status update on the refi, processor said my VA was not XXXX percent entitlement. after XXXX calls to the VA, VA called Carrington mortgage and explain that it was XXXX percent entitlement so they said I could close XXXX XXXX 2015, nope then they said XXXX XXXX cause everything had to be redone. NOPE so then they said everything was redone because it took so long and that I would close XXXX XXXX,, NOPE I called, told then Im about to lose my interest rate so he emails me back said he was applying to extend my interest rate tomorrow XXXX which I was suppose to close on XXXX XXXX, Im am so fed up with Carrington Mortgage. Still no closing date makes no sense to me they are the worst company I have every dealt with in my life. Still no resolution. In XX/XX/XXXX I called their boss and he basically told me if I did n't like it I could take my refi somewhere else. The incompetency at this level phenomenally mind boggling.
I have numerous private student loans originating from 2003 along with federal student loans. I did n't finish school my first time around after becoming pregnant and quickly seeking a job to help assist in raising her. Trying to get out of my financial troubles I forged ahead to go back to school. My student loans in the meantime ran out of deferment and forbearance time period and became due while I was in school. Eventually, finishing school and finding a job and an apartment while caring for a child without assistance, I have always had the upward battle of trying to pay off my student loans. It has always come down to choosing to pay my bills for the cost of daily living versus student loans. I became so far behind I just could not keep up with them and it spiraled out of control. When I tried to ask for lower payments it was n't granted and my immaturity and lack of knowledge made me think I had no other options but to default, by the way the lenders were presenting me with the information. They offered my large lump sum settlements in the amounts of $ XXXX plus, things just unrealistic when I 'm living paycheck to paycheck. Now I am being sued with possible wage garnishment that I ca n't afford. There are lessons to be learned here, but what I am most sad about is that I have a child who is almost XXXX and a XXXX who o can barely support because of debt I accrued when I was XXXX/XXXXyears old. If only I had known better I probably would 've went to a state school rather than private school.
I have had a credit card with American Express since 2005. I had a limit as high as {$50000.00} at one point. After the economy collapse, my credit limit was slashed. I understood why that happened. I 've watched my interest rate increase including twice in one year. Again I did n't say anything. I extended myself buying and refurbishing a rental house including this card. Finally, when I was able to place a mortgage on my rental, I used the funds to pay off debts, including this card. I 'm consolidating and closing accounts but I wanted to keep this card. It was accidentally closed when it was paid off. I called and asked to have my account reinstated and it was denied. I was n't asking for anything more than I already had. I always enjoyed the great customer service so I also opened a savings account. I will be closing all my accounts. After treating a long term member that has never had a late payment the entire time like this, has caused me to re-evaluate who I choose to do business with.
As I was checking my credit score, I noticed I had XXXX derogatory mark and as I took a look at the information, it said that XXXX had put an account in collection for {$500.00} with Amsher Coll. This had been going since XXXX  2016 as it shows in my report. I have never opened a XXXX account in my life. I called the XXXX company since I found out about this collection in XXXX by looking at my report, I called them like 3 times in XXXX or XXXX and gave them my social security number so they could find an account with my information and they could not find any information related to me so I called the collection company and they said the same thing my social did not match any collection account, so how is it that I have an account in collection and they want me to pay the money if they can not even find my information? I also never got a paper with account information from XXXX or the Amsher Collection Services to my residence, I only know about them because I check my credit score once in a while. Also, they could not able to provide me with information as to who to contact to get rib of this degoratory mark from my credit score as the amount owed does not belong to me! I sent a request to the XXXX on Monday to see if they can resolve this peoblem as all my credit card amounts are being affected by this problem as they are being lowered and so my credit score its  decreasing as well.
On XXXX XXXX, 2016 I was approved for a loan through Westlake Financial and purchased a car with XXXX XXXX XXXX XXXX XXXX for a total amount of {$4500.00}. Thirty days after my purchase I was expecting my Title. After calling multiple times, and I was told by XXXX XXXX XXXX that he was trying to locate the title. I was given a letter stating the vehicle I had purchased, " has been delayed due to no fault of her own ''. In which the DMV accepted the letter but my registration was only good for 30 days. At one point he called and told me the woman who owned the car was bringing the Title to sign it over. I called and called but my calls were not answered. I have called Westlake Financial multiple times. Im always told that someone will be returning my call. Im still waiting months later. I have had this car sitting in my yard for months that I can not drive due to me not having the proper registration. I would like to have this settled. I have been contacting the finance company they are also giving me the run around. Everyone has been paid in full for a car that I can not drive due to a car that I do not own without the Title.
Shortly after I bought my first house in XXXX, I began receiving letters from Crosspoint Financial offering to lower my mortgage interest rate or to refinance to get my home equity in cash. The offers were not better than my current mortgage rate but were aggressive in their persistence. I ignored them until I moved to another home in another state in XXXX of XXXX. Shortly after the first letter I received that was forwarded from my home in XXXX to my home in XXXX, my wife called Crosspoint and spoke with a representative who agreed to remove my name from their mailing list. We have received another letter.

Not only is mine and my wife 's information on the Do Not Call registry, but we also spoke directly with this company to ask them to stop  harassing us.
I am requesting that the CFPB assist me in getting Bank of America to make good a " stale '' check for {$1400.00} that the MBNA credit card company mailed to me in XXXX and that I then promptly misplaced for ten years. I probably thought then the small perforated letter was on the order of a notice of my pin number or a {$2.00} rebate check. Bank of America bought MBNA in XXXX. I contacted Bank of America in XXXX and they did nothing worthwhile, either at the bank branch or over the phone. Neither MBNA nor Bank of America sent the money to the Abandoned Property Fund in New York or Delaware. 

I spoke by telephone with XXXX XXXX of Bank of America on or about XXXX XXXX, XXXX about this matter. She telephoned me. She works at the XXXX dealing with " underwater '' mortgages. She was of no help, not her job. 

I am requesting that you try to get Bank of America to make good on this MBNA bank check. I ca n't figure out why the finds on this uncashed check did not go to the New York Abandoned Property Fund, which would have saved me a lot of trouble. 

Thanks for any assistance you can provide.
I was originally contacted by a XXXX debt collection agency in the fall of XX/XX/XXXX for payment of phones, services, etc for approximately {$1400.00}. I opened Case number : XXXX and thought the issue was resolved until a received another notice from a different collection agency used by XXXX today, XX/XX/XXXX ( a year and a half later ). I have never done business with XXXX and need your help to make them stop hiring companies to harass and threaten me with bad credit, etc. It is unfortunate that they sold devices to persons unknown but my suggestion is that they vastly improve their vetting/authentication process before giving phones to strangers. 

Thank you, XXXXP.S. I do n't really view this as " identity theft ''. I view this as XXXX making a foolish sales decision.
THIS IS NOT A REQUEST FOR ANY FRAUD ALERT OR SECURITY FREEZE I AM ASKING FOR COMPLETE VERIFICATION UNDER MY RIGHTS AFFORDED TO ME UNDER SECTION 609 OF THE FCRA THAT STATES YOU AS THE CREDIT BUREAU MUST HAVE ON FILE PHYSICAL DOCUMENTATION OF WHAT YOU ARE REPORTING. EVERY TIME I ASK FOR THIS YOU SAY I MUST CONTACT THE CREDITOR. IT HAS COME TO MY ATTENTION THAT YOU ARE ATTEMPTING TO VERIFY THROUGH AN ELECTRONIC PROCESS " XXXX '' THIS DOES NOT PROTECT ME AS A CONSUMER. YOU STILL HAVE XXXX ACCOUNTS LISTED ON MY CREDIT REPORT THAT CAN NOT BE VERIFIED BY PHYISCAL DOCUMENTATION. I HAVE CALLED XXXX AT XXXX AND SPOKE TO XXXX and according to his records they do not have an account on file with physical documentation, he said and I quote, the account ending in XXXX is not on file, it has been charged off with no record confirming the validity of the debt. So if this is the case then how can you say that you have verified it. You can not but you are deceiving me as a customer and causing harm to my financial well being. XXXX account being listed by you that can not be verified is XXXX XXXX. Spoke to XXXX in their closed accounts department, she said that this account has been charged off and there is not record of it in their system. She could not verify based on information given to them that the account even existed. When I asked for a signed contract she said, I am sorry we do not have that on record or file, I asked how she could confirm that the account was mine, she could not. This account ending in XXXX can not be verified by me, so how can it be verified by you. It can not but once again let the record show that this company has been fined XXXX dollars for placing fraudulent information on credit reports. They said just recently they promised to do a better job of not deceiving their clients. I would say this is a perfect example of how they have lied and will continue to lie. REMOVE THESE XXXX ACCOUNTS IMMEDIATELY
TransUnion is intentionally blocking positive payment history from two accounts in my credit file. I have a credit account with XXXX and XXXX XXXX XXXX XXXX XXXX opened in XX/XX/XXXXand in XX/XX/XXXX,  however ; they only display 3 years worth of payment history for these accounts. I have confirmed with the data furnishers that all years of payment history have been reported to TransUnion. <P/>I feel this is intentional to prevent my score from being as high as it should be for retaliation of previous complaints. I feel this way because my accounts that have negative information are reported in their entirety. <P/>I need my file to be completely accurate, as it is essential to earning a living. I am the XXXX of an XXXX XXXX and my personal credit is being considered to close a loan for a major acquisition. The intentional omission of my payment history with XXXX and XXXX XXXX XXXX XXXX XXXX is causing actual financial harm that, if unchanged, I will have to seek recovery of in court. <P/>I have attached my credit file obtained directly from TransUnion to display the lack of payment information for the above mentioned accounts.
PNC bank offered promotion {$300.00} for creating account. 
I applied for account XXXX/XXXX/2015 over phone and agent emailed me coupon with conditions. 
One of required conditions was to have total Direct deposit at {$5000.00} within 60 days. 
This and all other conditions were met by XXXX XXXX, 2015. 
Account was created according to PNC papers on XXXX -- XXXX/XXXX/2015 and corresponding documents were sent and delivered to me on XXXX XXXX, 2015. 
Until that I did not even know for sure that account will be approved moreover did not have account number. 
PNC did honor their obligation to pay Promotion bonus. 
It is likely because they started counting from their internal work for account creating rather than from the moment I as account holder became capable to handle my account and in particular assign my Direct deposit to this financial institution. 
Until I received paperwork it was their account though on my name and it was not mine. 
I requested to compensate delay on those several days because in no way I could use my account before having account number. By the way PNC failed to email me any info confirming account creation and when I called over phone their agents twice could discover status of my account. 
I found this as dishonest practice.
I tried to pay my outstanding debts with Citi Bank, but they refused to accept my payment, because it is a bank based in the XXXX. I am trying to pay off my debts, and I do not understand why they will not accept a payment from me. I do n't see why it matters that it is a XXXX bank, given that Citi is an international banking institution and has no problem dealing with foreign institutions or money.
In XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in credit company complaints me, because I have not paid, the amount is {$1100.00}, and close my XXXX XXXXXXXX XXXX   account, and in XX/XX/XXXX updated complaints, Most importantly, from XXXX to XXXX, I have never been informed that I have money ( no mail, EMAIL, CALL ), and I have been complained.They shut down the account of the XXXX XXXX XXXX, so I can't query the status, and I forgot the account number. 
I found out that I was being sued by the credit report when I applied for the car loan, and I still have the outstanding balance. 
The important thing is that I always maintain my contact information at XXXX : phone number, address, EMAIL is new status. 
But neither XXXX nor XXXX has notified or contacted me. 
They just complained about me, and generated the arrears, and increased the fine, but didn't notify me, so that without my knowledge, my credit was seriously damaged. 
I am willing to pay back the debt, but the two companies shuffle, and when I contact the phone customer service, there is no XXXX translation, and often broken line, the customer service staff attitude is bad. 
My complaint is that the two companies generated complaints and fines without my knowledge and seriously hurt my credit.The important thing is, never contacted me and told me about it.
This debt of roughly {$680.00} should not have gone to collections, but was created and sent over to a different company originally several months ago due to a mistake made by XXXX XXXX XXXX. This debt is supposedly for a past due balance and non-returned equipment. At the time i was told that if all equipment was returned, the amount due for the equipment AND the past due balance would be closed out, this however was not done. I have told Diversified consultants of this and informed them i have proof that all equipment was returned yet they still contact me daily about this debt. Even after speaking to a " floor manager '' and setting up a plan to pay off my debt, they are still calling me multiple times. As well, I have never received ANY mail regarding this debt.
I came off of forbearance with Navient and was told my payments would start XX/XX/2018. I went back and forth over a period of 2 months trying to get my account in an income sensitive status to lower payments. When it finally went through it was XX/XX/18 and then they immediately sent an alert on XX/XX/18 that my payments were overdue. How could my payment be overdue when my account was just fixed? Plus, again I was told it wouldn't start up until XX/XX/XXXX. Now they are telling me the agent that said XX/XX/XXXX might have made a mistake. This is unacceptable. They then told me after putting me on hold for 40 minutes that an advocate would get back to me. I am sick of getting misinformation and misinformed from Navient. I have XXXX XXXX and they always XXXX me out. I am doing everything on my end. How is it that they are able to get away with this kind of behavior.
I submitted a complaint to CFPB ID NO. XXXX sent to XXXX XXXX XXXX ; however, one of the vacuums purchased and returned to the merchant and he has both of them and did not issue a credit so has both vacuums and my money ; is on XXXX XXXX but I did not get to add that credit card so I am sending the disputes I opened with XXXX XXXX XXXX and XXXX. I am sick and now having XXXX on my XXXX XXXX for XXXX XXXX on XXXX XXXX and I am very ill and have no resolution to this and after XXXX I am going to be unable to do anything. He has both vacuums totalling XXXX plus XXXX for a total of XXXX.