WillisBack/dataset-financial-user-claim huggingface dataset:
I would like to file a complaint against HSBC and XXXX XXXX for discrimination and gross incompetence. I have suffered from a financial hardship from the Great Recession and my spouse 's passing. We have been trying for a mortgage modification since XX/XX/2009 and have received unfair treatment, have been given misleading, conflicting and confusing information. This has been a prolonged loss mitigation review process in which the same documentation was repeatedly requested by the servicer. I have been told by our case manager XXXX XXXX that the loan has been transferred several times, when asked for details he could not/would not elaborate. 
We have been denied a loan modification XXXX times, each time for a different reason ( please see notes in my file ), the last denial being that XXXX XXXX does n't participate in any kind of loan modification program. Since 2009 we have applied for a loan modification, I was given the application that clearly stated loan modification, my case manager had said all along that we were applying for a loan modification, and now I am being told that XXXX does n't participate. ( Please review all of my case notes and any recorded conversations that you have ) and you will see the misleading information that I was given. 
I have XXXX young children, I want to stay in my house, I have no place else to go, my case manager had said several times that I would qualify for a 2 % mortgage with a XXXX year amortization schedule and a principal reduction to help reduce my financial stress. 
After XXXX of my denials I was told by my case manager that I was denied because I am a single mother with XXXX children and no job, I am offended by these comments and feel that I am being discriminated against because of my gender. 
Please give this your immediate attention and contact my brother-in-law that is helping me with my financial affairs ( XXXX XXXX, XXXX ). You have my permission to speak to him on my behalf, I have previously written a letter to the servicer on this ( you will see letter in my file.
Discover Bank and Discover Card have been ridiculous unfair to me as a customer causing unnecessary stress. Lying about the status of my account. Causing strains to my credit report. Not blocking continuous fraudulent activity on my account. Making no concession for issues that occur because of their lack of preparedness and the effects it has on me as a customer. I am made to suffer all the issue that arise from their lack of preparedness and the Discover Bank side inability to function as a proper bank. They can not do simple functions that banks are able to do. They do not provide information upon request. 

I have recorded conversation from Discover Credit saying what will happen to my account after the 2nd time Discover Bank will return payments. 
In the attached documents you will see how even though I am paying my DISCOVER credit card through DISCOVER bank. There is a delay. Discover credit card will send a confirmation saying they have processed the payment and everything is okay and Discover bank will show nothing. Discover bank also does not show any pending transaction ever. ACH transaction are never shown as pending even after Discover Bank has received them just suddenly appear on your account.
I am being sued by Discover Financial Services in the state of XXXX. The debt I created with Discover Financial Services was created in the state of XXXX. I did not sign for the debt in the state of XXXX. Why am I being sued in the state of XXXX? 

Also, I received a letter from XXXX XXXX , Executive Office of Customer Advocacy for Discover, dated XXXX XXXX, 2015. This letter was pertaining to an investigation that discover performed concerning my previous CFPB complaint. She stated that XXXX XXXX group reported that there were XXXX repayment options offered to me which I declined. This was a false statement made by XXXX XXXX XXXX. I was offered only XXXX payment option which was a 60 % reduction of the balance in a XXXX lump payment or XXXX monthly installments. I declined the offer because I thought the debt had passed the statue of limitations to be sued on in the state of XXXX. So, I decided to make a complaint to the CFPB for relief of this debt. Additionally, the XXXX XXXX XXXX stated to XXXX that I declined another offer of a XXXX year repayment plan. The law group never made an offer of a XXXX year repayment plan to me. This is false. When I spoke to XXXX XXXX, a lawyer at XXXX XXXX XXXX, I told him that they never mentioned more than XXXX option of repayment to me ; however, if there is another option for me, I would prefer a 60 % reduction of the balance with a first payment of {$3100.00} and the remainder to be divided into XXXX monthly installments of {$260.00}. XXXX agreed that this was a doable arrangement ; however, I did not hear from him anymore on the matter. I faxed him a copy of XXXX XXXX ' letter for his records. 

I received a letter from XXXX XXXX XXXX dated XXXX XXXX, 2015 stating that they have verified my debt with Discover and it is their intention to continue with collection activity. I was instructed to consult an attorney if I have any questions about my liabilities. 

I have made two attempts to make a financial arrangement to settle this debt ( my XXXX offer was a lump sum of {$3000.00} dollars ) and XXXX XXXX XXXX does not appear to be willing to settle this debt in a civilized manner. I am trying to avoid payroll garnishments and unauthorized withdrawals from my bank account. As a consumer, what can I do to protect my assets when I have tried to make repayment arrangements?
XXXX XXXX reported to my XXXX and XXXX credit reports a collection account for XXXX on XX/XX/XXXX andXX/XX/XXXXof 2017. I was never notified of this account and XXXX XXXX has not provided any evidence that I owe this bill or that they have a legal right to collect it or report it. They are in violation of Federal law. My current and correct address has been the same for many years.
Experian is releasing my credit information to those without authorization. 
XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX XXXX, Chief Financial Officer, XXXX XXXX XXXX, specializing in VA mortgages pulled my credit 6 times in the last year. Most recent pull XXXX/XXXX/2016. I have no relationship with XXXX. I have never heard of XXXX until seeing them on my credit report, pulling my credit. I have never authorized XXXX to pull my credit. 
XXXX XXXX XXXX, XXXX, XXXX, VA XXXX, XXXX XXXX XXXX pulled my credit XXXX times. I have no relationship with them and they are not authorized to pull my credit. 
XXXX XXXX XXXX XXXX, XXXX, MT XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX has pulled my credit without authorization 4 times over the past year. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX has pulled my credit without authorization most recently XXXX XXXX, 2016. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX was permitted to pull my credit twice without authorization. XXXX XXXX XXXX XXXX XXXX pulled my credit XXXX times without authorization. I have no relationship with them.
Good afternoon, My name us XXXX XXXX XXXX, Rest assured I have tried endlessly to get this resoled without getting anyone involved. 

The Equifax credit reporting company keeps reporting a delinquent for an account that I have no knowledge of. under my. I have a derogatory mark for a collections account opened in XX/XX/XXXX..Its from a creditor called XXXX XXXX XXXX XXXX. 

The debt is for XXXX and the debt is now owed by XXXX XXXX XXXX, who has no knowledge of this debt. I have tried to dispute the item on their website and it keeps looping around not completing the dispute. Or I have gotten back emails that the issue is fixed and it has not. No other credit reporting company is reporting me negatively for any dent. I have never been late in any of my payment with any creditor. 

Please assist me in helping me get this item removed my equifax credit file. 

I 'm tryiny got buy a house and this collection debt is preventing from doing so. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX
The company, Wells Fargo, keeps failing to send me my monthly statements to make a payment. This is something I have brought up to their customer service department. The only statements I receive are the ones that charge me late fees ( when the payment is obviously part due ). 

I have informed them that I'm not getting the statements at all and have failed again and again to rectify this issue. So far I have had to pay 3 late fees of {$28.00} each for this issue. When I have spoken to their customer service representatives, they check my address and tell me that everything is fine. So far, they have failed to send me a bill at least 3 times.
MoneyGram International MoneyGram Gave My Money Away to a Fraudsters. The Receiver never got {$650.00} I sent Him. BREAKING NEWS : I am about to sue MoneyGram, if they do n't get my money right and refunded. On XXXX/XXXX/XXXX, I sent someone a business partner {$650.00} for an application fee. The Receiver never got the money. Someone intercepted the funds with his id or made up id before he did. MoneyGram playing games changing the stories of the victim, witnesses, etc. I am going to put MoneyGram on my Super Blast Blow Up Line. This message is going to be posted everywhere in the world. MoneyGram has admitted they do not have a clue who may have picked up my money for a business partner client for an application fee. 

My Reference Number is : XXXX. My Complaint or Claim Number is : XXXX. 

Working on a Press Release as we speak! MoneyGram with those foreigners working the lines, twisting facts to fit from being liable. What makes it so bad, an attempt was done to cancel the transaction within 1 minute of the order, and MoneyGram refused to STOP the transaction. 

Many weeks later MoneyGram is still not responding to my calls nor emails or Complaints about this matter. ALL I WANT IS A REFUND BACK TO MY CREDIT CARD.
Company : RoundPoint Mortgage Servicing Corporation XXXX XXXX XXXX XXXX, NC XXXX XXXX Current LTV : 77.9 %. 

Payment History : Current and have never missed a payment from inception. 

PMI still on loan. 

Mortgage Company has refused to comply with automatic termination of PMI on loan. Several reminders -email and phone calls - have been made by homeowner to the mortgage company but they have declined the termination in line with Federal HPA regulation on automatic termination of PMI.
I mailed Transunion a certified letter asking them to provide me with details of several negative trade lines that were listed on my credit report. They responded after XXXX days informing me that they verified details of the negative account I listed. I believe Transunion did not do a sufficient investigation. XXXX of the account XXXX XXXX XXXX is a payday lender. If Transunion had done a proper investigation they would have discovered that this was a payday lender, and that payday loans are illegal in New York. I would like Transunion remove the accounts I requested information on. Following my initial dispute I sent XXXX additional letters to Transunion asking them provide me with the method of verification. I also spoke with a customer service representative in regards to the XXXX XXXX XXXX account. I spoke with a supervisor and asked them to provide me with details of who they spoke with to verify the details of the account. I asked them what documents did they review. The outcome of that call was the supervisor offered to add an additional dispute in regards to the wrong type of account being listed. XXXX XXXX XXXX listed it as an installment loan. The supervisor mention this additional dispute would take another XXXX days. I can provide additional documentation in regards to this if necessary.
Today I was contacted by appointment with XXXX XXXX in an attempt to transfer 401k investment accounts as a result of my recent departure with my employer. I called XXXX XXXX ( also XXXX ) to  move my investment account to a different selected portfolio within their infrastructure. I met with a financial advisor who spent in totality more than 2 hours walking me through my options over the course of the last two days. I elected an IRA account with no withdrawals and was taken through the account launch process which lasted approximately 30+ minutes.

On the telephone, I specifically asked the representative if my credit report was going to incur a hit and I was advised " no, that this was not required ''. However, upon submitting my personal and financial information, I received an automated denial notice with indication as to why. I asked to speak with a manager and was finally advised that I was listed on a " do not open warning list '' with no further explanation. I then called BOA who transferred me to the " closing department '' ( XXXX ) and was advised that BOA closed a checking account in my name for " reasons unknown '' in 2013. They then advised that they reserved the right to do so despite the fact that my credit was in good standing, I had no outstanding returned checks and quite frankly never have, and despite me having absolutely no accounts in collections or otherwise and maintain a quality credit ranking. 

I further inquired as to why BOA would allow me to keep an investment account with my former employer and in-turn, refuse approval of an IRA account ( XXXX ) when in fact, they solicited and even specified that I review my available options to reallocate these funds to another BOA investment product now that my employer is no longer making contributions. I asked why they would send me solicitations regarding my options if their system of record was in-fact predetermined to deny my application without a true and clear review of my credit report and financial qualifications. Thus, AFTER placing an unnecessary inquiry on my credit report and taking me through hours of a deceitful exchange. 

I have never been denied a checking account or credit for that matter and maintain an excellent rapport with XXXX XXXX for day-to-day banking. As such, XXXX should be utilized by BOA as a true example of professional banking standards and regulatory compliance. This was surely a waste of BOA employees time, of mine and is a clear example of a break in process.
I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my  complaint.
I was not clearly explained the interest and the details on the forbearance. I was given bad information about my loan repayment and was told that it could not be consolidated and that the interest rates would continue and that i did not have to make any payments. I was not told correct information about my loan.
First, " called before or after XXXX or XXXX '' is not my complaint. I was not offered a means to describe my complaint accurately before and needed to select something, however inaccurate, to proceed. <P/>My complaint is the available channels presented to me to contact my Collection Agency, Phoenix Financial Services LLC, have not allowed me to actually contact them. I want to rehabilitate my loan and have done due diligence in pursuit of this objective pursuant to CFR 682.405 's description of a borrower 's responsibilities. I have called my CA repeatedly, in the morning, evening and midday. Not once when I called was I able to speak with anyone about rehabilitating my loan. I left multiple messages stating my intention to rehabilitate the loan and giving my contact information, both phone number and email, and have not been contacted with a means to rehabilitate my loan. <P/>I have sent physical mail correspondence to PFS stating my intention to procure a rehabilitation agreement and have not received a response. I would have sent them an email or made my first rehabilitation payment online but from the information XXXX XXXX provided me neither is an option. <P/>When I contact my servicer or Guarantor I 'm referred to the Collection Agency. <P/>I have exhausted the means available to me and have yet to receive affirmation my loan is now undergoing rehabilitation. <P/>I am deeply concerned I will be denied the opportunity to rehabilitate my loan because the clock has run down. I have made every necessary effort to do my part in rehabilitating this loan in good faith. <P/>I sincerely hope the silence from my Collection Agency is just a delay -that a rehabilitation agreement is already on its ' way and I just need to be a little more patient. But the deadline for beginning rehabilitation on my loan is coming up and I would hate to be denied the opportunity to rehabilitate my loan because I was overly passive in waiting for my Collection Agency to come to an agreement with me.
My student loan increases day by day because Department of Education institution are adding {$5.00} dollars each day. I had to ask to the Treasury Department that they deduct from my Social Security retirement benefit check as survivor of my deceased husband a XXXX or XXXX quote because I could not afford the amount that XXXX XXXX first and NAVIENT later was requiring from me.
I have tried to obtain a true copy original showing that a debt originally owed to XXXX XXXX XXXX was legitimately sold. That has not taken place even though I did request full documentation at least six times. However, in spite of that non-result, I am open to a settlement offer that can be mailed or emailed to me, and I will follow up with a call to negotiate the matter and settle it once and for all. My contact number will is attached to this complaint. I have never been mailed a reasonable settlement offer.
I have a Auto loan with EXETER FIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and EXETER FIN with no successful resolution. XXXX, XXXX and XXXX  are reporting me late. There was definitely an error on their part. I was never lates in XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX.
Since XX/XX/XXXX ; we have had no success with Shellpoint Mortgage Servicing in trying to ascertain a modification. Nonetheless, their primary duties are debt collection ; and now they are trying to foreclose on XX/XX/XXXX. However, the Texas foreclosure procedures attached for homeowners stipulate " home equity '' loans foreclosure procedures are to be conducted " judicially ''. However, Shellpoint Mortgage Servicing is violating our rights by trying to foreclose " non-judicially '' ; and keep talking about they are relying on the deed of trust when we have not received any bills for the deed of trust and thus is not delinquent. Moreover, XXXX  is not the trustee for the deed of trust but of the XXXX ; asset backed home equity loan. This is why it is crucial for homeowners to have a judicial hearing ; Judges makes split decisions in these matters not the lender ; because Shellpoint is falsely stating a new contract is not required for a home equity or line of credit ; they are not expert in these matters and a Judge needs to make that determination not Shellpoint. Also Shellpoint 's notices of sale are completed improperly ; they do not list the substitute trustee 's address ; or list Shellpoint 's name properly as seen in the attached ; which should read : XXXX XXXX XXXX, XXXX dba Shellpoint Mortgage Servicing. Shellpoint is trying to railroad us into an illegally foreclosure ; all because as debt collectors they refuse to verify debts as required by FDCPA. Also, Shellpoint is stating 12 CFR 34.83 ;  does not apply to them ; they like to pick and choose which statutes they will follow and we need court intervention.
I have been paying my loans faithfully through XXXX, but it seems nyshesc hires or sells defaulted loans to different collection companies. My wages are being garnished by XXXX XXXX XXXX XXXX, but as I mentioned I have been paying my loan faithfully. I need this garnishment removed from my employer 's payroll. Reference number XXXX. I had a XXXX and I have an XXXX XXXX, worrying about this company and other companies hired by nyshesc is making my condition worse. I might end up homeless. Please stop this abuse. I already wanted to XXXX XXXX because I see no light at the end of this tunnel of sharks after money that I have been paying. Maybe that is the best solution. Then they can't rob me any more. I'm paying and they are still garnishing please I beg of you, stop this garnishment.
Equifax is reporting inaccurate information on my credit report. They are reporting a charge-off account from XXXX when i never had a XXXX account. By the FCRA unless they provide me supporting documentation with my wet signature they must delete the charge-off account from my credit report.Failure to do so will result in a lawsuit against both the creditor ad the credit bureau 's. I have sent documentation to my attorney also.
I signed up for a checking account with Citi promising {$400.00} bonus after keeping $ XXXX in there for 60 days. I was tedious in ensuring that I followed the correct link to ensure I was getting the offer. 

After the 60 days, I called multiple times to ensure that I had indeed fulfilled all the requirements and to inquire the timing of the bonus payout. Each time, the reps took time to review the details and assured me I had met all requirements. They told me that the payout would occur 90 days after the 60 day period ended. 

Finally after this extended wait time ends I call back again, only to be told that the promotion was never applied to my account opening, even though I was tedious to ensure it was and the reps assured me it was multiple times. 

They told me they'd apply a promotion code after the fact, only to then later say ( after filing a formal dispute ) that according to the code they applied, my account didn't meet some technicality.
XXXX XXXX XXXX began taking automatic payments on my car insurance policy This policy was opened in XXXX and my policy premium was originally {$1900.00} or around XXXX/ month. However in XXXX XXXX, XXXX XXXX increased my rate to $ XXXX/ month without informing me of the premium increase either by email or post. Since the charge was made directly to my credit card, I did not notice the increased charge until XXXX XXXX at which time I cancelled my policy because I did not want to pay high premiums and obtained coverage from another source. I notified my credit card company and disputed the charges, and a partial refund was obtained for several months of overcharges. however not all of the overcharges were refunded because the credit card agency would only dispute claims from the past 3 months. Since then I have been battling with nationwide who claims that I still owe them a balance on my account and has sent my balance owed to collections and has threatened my credit score.