WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I contacted Wells Fargo to inquire about the process of changing my homeowner 's insurance and how that would affect my escrow account. I spoke with XXXX XXXX and also a woman named XXXX and was provided the contact information and steps I needed to take. I was advised by XXXX that since my new insurance policy was starting a month or two prior to my existing policy, my escrow account may be short slightly and any refund I receive from my existing insurance carrier, I should pay that into my escrow account. He also advised based on the timing, they may run my escrow analysis and it will show a large shortage as the system will pay my new policy but they will also be calculating to pay my existing policy and all I would need to do if this happens is to call to explain the issue. I received an escrow analysis from Wells Fargo showing a shortage of {$610.00}. I called on XX/XX/XXXX and spoke with a woman who acknowledged what had happened and stated it would be a quick fix and placed me on hold and called the escrow department and came back and said she made an error and the shortage is correct but could not explain how. I requested a supervisor and spoke with XXXX who was also unable to satisfy my concern. I was given incorrect information by her as she stated my school tax was $ XXXX/ , county is {$650.00} and city is {$840.00} and advised those are paid bi-annually. That is incorrect as those figures are my totals for the entire year and not only for 6 months. Therefore the difference in my taxes from XXXX to XXXX were doubled as she stated they were paid bi-annually and was calculating the shortage twice. For example my school tax was {$1100.00} and increased to {$1100.00} which makes the shortage {$57.00} but she stated the shortage was {$110.00} as she doubled it in error. After over an hour she was unable to tell me how the shortage was being determined. Wells Fargo claims the shortage is {$610.00} but is increasing my payment by {$59.00} a month ( $ XXXXXXXXX= {$710.00} ) she was also unable to explain how I am repaying {$710.00} but the shortage is supposedly only {$610.00}. In XXXX I did not have any shortage, in XXXX I had a shortage of {$48.00} and in XXXX I had a shortage of {$51.00} which I understand taxes and insurance varies so a slight increase is understandable. A {$610.00} shortage is not reasonable or understandable and I believe my escrow analysis is incorrect. I have attempted to resolve this matter with Wells Fargo and have received no satisfaction or explanation. Please help me in resolving this issue as I truly believe my escrow account is not randomly short {$600.00} and their analysis is incorrect and what has triggered this is my change in insurance carriers. You will see I have never missed a payment and my payments are made on time so it is unimaginable that I have such a steep shortage in my escrow.
On XXXX XXXX, I applied for a BMO Harris Everyday Checking Account, which offered a {$200.00} bonus for qualifying deposits ( screen shot attached ). The account was provisionally opened on XXXX XXXX, and fully opened after following their procedures, including submission of signature cards. 

As detailed below, I contacted the bank in order to confirm that my deposits qualified for the account opening bonus, they confirmed my deposits as qualifying in three separate exchanges, and then other agents within the bank determined otherwise. I would like the bonus posted to my account as soon as possible. 

On XXXX XXXX I contacted their eChat service and XXXX confirmed that a deposit qualified ( transcript of chat attached ). 

On XXXX XXXX I contacted their eChat service and XXXX confirmed the second deposit qualified ( transcript attached ). 

On XXXX XXXX I contacted their eChat service and XXXX informed me that deposits post only after 120 days, " as disclosed in the mailer, '' although I had not applied through a mailer but instead through their online application ( transcript attached ). 

On XXXX XXXX, more than 120 days after opening the account, I contacted their eChat service and XXXX again affirmed that the two deposits qualified and that I could expect the bonus to post on XXXX XXXX XXXX transcript attached ). 

On XXXX XXXX, XXXX " escalated '' the matter and told me I could expect a response within 3-5 days ( transcript attached ). 

On XXXX XXXX, XXXX stated that my qualification was under review, in spite of the previous statements of XXXX and XXXX that I had qualified. He implied that I might not qualify after all, but that the matter was under review ( transcript attached ). 

On XXXX XXXX, XXXX affirmed that XXXX had submitted the review on XXXX XXXX, and, after my request, contacted the marketing team. XXXX communicated to me that the marketing team now contradicted XXXX and XXXX, having determined that the deposits do not qualify without further documentation ( transcript attached ).
My wife, XXXX XXXX, has been told numerous times by Capitol One representatives that her annual fee can be waived if she calls in by a certain date and requests such. This has been done numerous times over the past few years. This time she called in and spoke to an escalation specialist who told her that this would not be possible, despite what she had been told by previous representatives. XXXX asked that this person speak to her husband, XXXX XXXX. The escalation specialist refused to speak to XXXX, stating that XXXX would need to perform some disclosure that he never actually requested. When asked what would be required, he refused to say, even after XXXX requested the disclosure. He absolutely refused to continue the process. When asked to speak to a manager he stated that there was no one higher up in the company that we could talk to.
XXXX XXXX, 2010 CitiMortgage, Inc. recorded a judgment on me in the County Courthouse. I have paid all the money to CitiMortgage , Inc . They refuse to release the judgment from the courthouse. This is stopping me from selling my house. CM tells me the lawyer who recorded has to release. The lawyer tells me CM took the account from them and they have no authority to release.
Over the course of the past 2 weeks I have been dealing with fraud on my account with Wells Fargo. There have been XXXX major claims filed and each time I am hearing that it may be up to 10 days before it is resolved. Before the first issue is resolved, another fraudulent activity has shown up. I can not even get back to XXXX. I ca n't close the account because I cant get my money out. I have no way to live on a daily basis because I can not get my money back to pay bills, the mortgage, put gas in my car, or buy groceries for my family. Wells Fargo seems intent on following protocol and letting my family and me suffer. I am not getting anywhere talking to them and I am just a series of case numbers to them. All of this time I am getting overdraft fees and other fees related to someone else draining my account! It does not matter that they say they will take care of it in less than 10 days because right now I am drowning!
I need your help in getting these incorrect name spelling removed from my credit file : XXXX, XXXX, XXXX.
On XXXX/XXXX/2015 I notice XXXX separate charges of {$300.00} from XXXX XXXX assessed to my Bank of America credit card. The next day I called XXXX in XXXX FL. to ask why these charges appeared on my statement, according to the representive these charges were an assessment for not attending a seminar regarding a time share during my stay at the resort. I followed up the conversation with telling the rep. at no time was I ever notified about a seminar and I do not have a contract with the resort. Per my request, I ask to see something in writing or verbally were I was made aware. According to the rep. they have a coversation on tape proving my knowledge of a seminar, when the tape was played at no time was there a mention of a seminar. XXXX has yet to provide any more information justifing the charges. I then proceed to contact Bank of America on XXXX/XXXX/2015 to dipute these charges. On XXXX/XXXX/2015 I recevied a letter from Bank of America notifing me that they would begin researching the dispute and would have a respond in 30 days.On XXXX/XXXX/2015 I receive a letter from Bank of America stating " they have completed the investigation and were unable to determine that a billing error occured. Since then I have made numerous calls to BOA questioning how could these charges be made to my credit card, and their reply was they can not intervene in situations involving a merchant 's contact. I futher escalated my complaint and on XXXX/XXXX/2015 sent a letter to the XXXX, their respond seem to coincide with BOA and suggest I contact CFPB for further assistance if I am not satisfied with the resolution.
I have paid XXXX XXXX XXXX in full. Credit Management is still collecting on a debt that they know I have paid in full directly to XXXX XXXX. I called Credit Management to inform them that this account was paid in full ; however, is still reporting on my credit negatively. I am not sure how they are able to collect on a debt that has been paid in full to the original merchant XXXX XXXX XXXX XXXX. 

When I made the payment with XXXX XXXX, I was told that since I was paying my debt in full that it would be deleted from my credit report, as I do not owe anything else.
The Complainant and his wife have a HAMP mortgage with U.S. Bank Home Mortgage. The mortgage trial period plan effective date is XX/XX/XXXX. The Complainant has timely made all monthly mortgage payments. The Complainant has never been delinquent. In response to a letter from U.S. Bank Home Mortgage that was dated XX/XX/XXXX, the Complainant mailed to U.S. Bank Home Mortgage ( via USPS certified mail ) a signed Dodd-Frank Certification. The Complainant also requested in his cover letter that his loan be re-amortized. U.S. Bank Home Mortgage received the signed Dodd-Frank Certification and request for re-amortization on XX/XX/XXXX. ( USPS Certified Mail XXXX ). U.S. Bank Home Mortgage did not acknowledge receipt of the signed Dodd-Frank Certification nor respond to the Complainant 's request for re-amortization. 
Pursuant to Treasury guidelines, U.S. Bank Home Mortgage was required to make a {$5000.00} principal balance reduction payment to the Complainant 's mortgage account in XX/XX/XXXX, the month after the sixth anniversary of the month in which the HAMP trial period plan effective date occurred. U.S. Bank Home Mortgage has failed to make the {$5000.00} principal balance reduction payment. Additionally, U.S. Bank Home Mortgage failed to make an offer to recast or re-amortize the unpaid balance of our mortgage.
On Friday, XX/XX/XXXX, I emailed my mortgagor ( GMFS ) because, without written notification, escrow analysis or warning, I was told verbally over the phone that my mortgage was increasing by $ XXXX  month. 

Five days later, I still hadn't received a response. I resubmitted my question, and received an email from GMFS telling me to call the servicer, who I had already had spoken with over the phone, and who couldn't provide me with any additional information as to the increased mortgage amount. My mortgage is now due in one week, and I still haven't received updated information or an escrow analysis. 

I've included the contents of the email in its entirety below. 


On Fri, XX/XX/2018 at XXXXXXXX XXXX, XXXX XXXX XXXX wrote to XXXX : Yesterday I received a call from a representative who said he was from GMFS. 
It turned out that he was actually employed with XXXX XXXX XXXX. 

During our call, which was to notify me of a change in servicers, the representative mentioned that my next payment should be made to their company, and listed an amount that is {$500.00} above what I am currently paying ( and which is due in less than two weeks ).

1 ) Please send me an escrow analysis immediately.

2 ) Please provide for me in writing information as to whether GMFS is affiliated with XXXX XXXX XXXX, beyond the contractual agreement of servicer and mortgagor. 
3 ) Finally, if the updated loan statement amount shared by the representative during our call is accurate, I want to apprise you that I plan to file a complaint with the CFPB. This payment is less than two weeks out from due, and I have yet to receive a loan statement, escrow analysis, or any other information providing me with adequate notification of a pending significant increase, or the nature of the increase.

I realize that Federal law bars late fees during the 60 day period following the effective date of transfer, but the complete lack of notification of such an increase is inexcusable and creates significant hardship on the homeowners that GMFS serves. 

Best, XXXX XXXX Loan Number : XXXX
I had my TEACH Grants converted into loans for submitting my annual form " sort of '' late ( XX/XX/XXXX ). I say sort of late because it was due in XX/XX/XXXX or XX/XX/XXXX each year, but I always ( every year that I completed it " on time '' ) got a notice that I had to resubmit the form after the end of the school year ( sometime after XX/XX/XXXX 1 ). So, the first 2 years I submitted my form on time, only to get a notice that I needed to redo it after the end of the school year. I called the second year to ask about the due date ( XX/XX/XXXX to verify that I taught for the whole year???? ), and the person I talked to could not explain that the date was due to my graduation date of XX/XX/XXXX ( I figured that out later ). So, the third year I just thought I would wait until the end of the school year to do it the first time ( instead of duplicating my efforts to round up the signatures twice a year instead of once ). I got a couple of notices that the form was going to be late, so I finally went ahead and submitted it. Well, by then it was a few days later than the final date, so my grants got converted into loans along with $ XXXX dollars in accrued interest. I called to ask about it and was told that, " yes, we have your form, but it was 3 days late ... sorry, we can not convert them back into grants. '' Keep in mind I have completed all of the other requirements for my TEACH grants to be forgiven, but I filed a form late ( that I was going to have to file again later anyway because the school year wasn't over yet and I couldn't get an explanation of why it was due in XX/XX/XXXX from XXXX ), causing the grants to turn into loans. I thought " how stupid of me, surely no one else has done this ''. Then, today I was reading a story about the thousands of other people that were ripped off in exactly the same ( or a very similar ) way. So, I now tell as many of my students that will listen to " avoid student loans if at all possible, and read every bit of fine print on grants and scholarships ''. The TEACH grants were part of the reason I became a teacher ( because I could get it partially paid for ). Now, I wish I had never done it ( at least the TEACH grants ). I could see something like a small " late fee '' of some sort, but I ended up with what amounted to a {$2500.00} - {$2600.00} " fine '' ( at 6.8 % interest ) for not filing a form " on time '' only to be told that I would have to file it again anyway! 

I was also told by customer support at FEDLoanServicing to just " apply for the teacher loan forgiveness program after my 5th year teaching '', which I did ( and will try again ), but my application was declined because I have some older loans ( before the Fall XX/XX/XXXX cutoff, or whatever the arbitrary date is ). So, I'm also being punished financially for becoming a teacher after I had another career ( so, I'm older and went back to school to become a teacher, so now I can't get loan forgiveness for my loans that I specifically took out to be a teacher ). I file a separate complaint on that later. 

NOTE : This is a copy of what I submitted as the complaint to the U.S. Department of Education, Federal Student Aid Complaint Portal.
I have a first mortgage with MUFG Union Bank that I am interested in refinancing. Having locked in a bank to complete the refinance, I was asked to provide my note for the first mortgage to the new lender. Searching through my closing documents from the original purchase of my home, in XXXX of 2015, I  realized that I was never provided the original note on the loan. Calling customer service, I was told that the bank was not capable of sending me an electronic copy, and could only mail a physical version of the document after a 3-5 business day processing period. Considering this timing is delaying my refinance, I am paying higher interest to Union Bank than I would pay my new lender because of Union Bank 's policy of delaying customer document requests. After complaining via multiple avenues about the banks ' policies, I received a secure email from Union Bank that purported to attach my loan documents, but nothing was attached to the secure message. This appears to be an intentional policy of the bank to delay existing mortgagors from refinancing their homes ( the main reason a debtor would need a copy of their note ). I imagine there is a class action suit or heft regulatory action, as this policy has likely cost many many American consumers higher interest payments as a result of Union Bank 's deliberate exploitation of their consumers.
I am livid that XXXX charged me {$10.00} on XXXX/XXXX/XXXX to put a credit freeze on my account. Not only did their onsite web page tell me that my information had been compromised, but, they charged me for this action which I had to take due to their own negligence and unacceptable lack of proper security. 

I tried calling to complain, but the did n't answer, even after waiting for an hour. 

I paid the {$10.00} since I already have a suspicious credit request, and am very. very worried about this. 

In addition, I spent hours today trying to get fraud alerts and credit freezes on all three credit bureaus with mixed results. 

None of them let me add fraud alerts, and calling them was hopeless. 

XXXX XXXX customer phone number asks for a lot of information by an automated voice attendant, then hangs up. 

They want me to mail in a form - and, this situation is happening now! 

I do n't know what you can do to bring XXXX and its executives to account for this.
Mortgage company returned a {$100000.00} payment on a loan. 
The loan is NOT in default. 
No reason was provided for why the payment was returned.
I have been trying to get a modification and keep getting the runaround. Now I have a foreclosure sale for next month.
There are several numbers the debt collector calls from. I have talked to them repeatedly and have asked for more time to pay the debt and I have told them I will pay them. My problem is they call me every 15 minutes all day. The numbers are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and that is all from today. That is six times already and they called 11 times yesterday. I asked that they stop calling so much, to call once a week. They are going to get me fired and then I will never be able to pay.
I am contacting your agency because I am having a tremendous problem with all 3 major credit bureaus inaccurate credit reporting which is affecting my credit scores. I am a victim of identity theft and I have made these companies aware of the situation but yet and still they keep allowing fraudulent credit inquiries on my credit report which lowers my score normally this happens right after I report the credit agencies to your company for falsely reporting on me. Please force these companies to remove the fraudulent inquires off my credit reports and raise my score to where it is supposed to be. Because these inquires I am going to list do not belong to me and I had no knowledge of XXXX/PAYPALEXTRASMC  Inquiry : XX/XX/XXXX JCP also destroyed my credit there were two applications that were done and it's fraud please remove it off my credit report I am supposed to be called to verify information when someone applies for credit in my name because someone has stolen my identity XXXX XXXX XXXX/XXXX ( XXXX ) XXXX And these accounts listed below are also fraud XXXX XXXX Reported : XX/XX/XXXX + {$390.00} Closed XXXX XXXX/XXXX  Reported : XX/XX/XXXX + {$420.00} Closed XXXX Reported : XX/XX/XXXX +  {$420.00} Closed Hide closed ( 3 ) And I want these removed at once because they do not belong to me and are fraudulent
I 've tried to resolve a credit issue with Lexus Financial over the phone and I 've had no luck. I finished a lease with Lexus Financial Services and asked them to show the credit transaction as satisfied and paid off with a zero ( {$0.00} ) balance. I have always paid this account on time and the history of it account should reflect that on my credit report. I 've tried to contact multiple departments as well as trying to reach their corporate offices with no luck. I normally would'nt file a complaint, however, their responses of " their is nothing we can do '' seems very scripted and does not sit well with me. I 've never had a problem with LFS accept for this. Please help!!
-They keep charging PMI insurance while I payed 1.60049291 % of my mortgage price -They allow ( permit  ) my la nd load to decide about my mortgage which they should n't involve at all about my mortgage. I only must make a decision about my mortgage.   -They make open access information for my land load. They should not.   Please help me, I 'm a single mom and trying my best all the time to support my life and keep my mortgage. Also, I have lack of knowledge to enforce them.
XXXX XXXX allowed someone to fraudulently open an acct in my name. The account was opened in a state I do not reside in and an address I've never resided. I filed a police report and have previously called XXXX 's cooperate office and spoke to them. I also went into a local office and discussed this. They admitted to not having any of my personal information on file but having numerous signatures of others on the account but not mine. XXXX deleted the negative account from my credit once they knew it was not me only to sell it to a collection agency. Now, Total card inc., on behalf of XXXX XXXX XXXX  has placed it back on my credit and requesting funds. I disputed it online with XXXX  and I was notified that I had to request a dispute in writing from the other two credit bureaus. Once the debt was verified with XXXX  via online dispute, I received a notice in the mail from Total Card , Inc. stating they are representing their client XXXX XXXX XXXX. This is the first I am hearing from either of them due to them not having any information for me which lets them know I am the wrong person. The letter states it is a collection notice and their client has agreed to accept 12 monthly payments of {$150.00} as a full and final resolution on this account. Why would I pay half of something that does not belong to me? I have sent a debt validation letter via certified mail to Total Card Inc., but I have read online through the XXXX  that people said their letters were returned to sender from Total Card Inc. I want this handled in a timely manner as I only get 30 days to dispute and I sent it with 10 days left to dispute. On my credit report it says this was opened by XXXX XXXX XXXX on XX/XX/XXXX. Original creditor name : XXXX XXXX XXXX. The balance is {$3400.00}. I would like this removed from my credit report as it is not my debt. There is no legal binding contract connecting me to this debt nor any of my signatures or ID. I have only had XXXX XXXX XXXX cellular service since XX/XX/XXXX. I would also like the address reported to the credit bureau in connection to this by XXXX XXXX XXXX be removed. I have never lived/resided there and there is no verification/validation that can link me there. This is all false information reported and is affecting my credit negatively.