WillisBack/dataset-financial-user-claim huggingface dataset:
They were providing false information related to account numbers and reference info after I had submitted a payment. What was most disappointing was the fact that this debt was not even mine. Someone had used my social security to obtain service through att and I was paying for it.
On XX/XX/XXXX I was notified that effective XX/XX/XXXX the servicing rights to my mortgage would be transferred to XXXX XXXX. Upon receiving the letter I called Chase Bank ( XXXX ) and requested my mortgage document so I could see exactly what disclosures I signed In the loan documents I was provided on XX/XX/XXXX via email from Chase, it did not include any authorization for the bank to sell the servicing rights of the mortgage. I will state that it appears the documents I was provided is not all inclusive of what I actually signed I am requesting a copy of my full mortgage file with any documents that I signed during the closing process. 

Regardless of whether I signed a disclosure outlining that Chase Bank may sell the servicing rights, my primary concern is with the fact that the sale of the rights discontinues my ability to participate in the 1 % Mortgage Cash Back program. Given the remaining term on my mortgage, this is around a {$3000.00} loss to me over the life of the loan. At the time, this was a significant selling point when comparing mortgage products from different financial institutions, as a result of this benefit I opted to obtain a mortgage with Chase Bank. 

It appears this promotion was deceptive and misleading as it was never disclosed nor discussed during the loan process that since Chase Bank has the ability to sell your mortgage at any time, that the promotion may be only available to the customer for a limited period of time. In addition, itd be interesting to know how many loans that operate under this promotion have been sold since its been discontinued as this could have been as strategic yet deceptive and potentially unlawful practice decision made by senior management in the bank to drive loan growth. For example, any bank could offer a benefit such as this which would drive additional loan growth but then having the ability to sell those loans and eliminate any further liability from the promotion. 

Due to rising rates and the cost of refinancing, it would be extremely costly to take my business elsewhere so as a result of this deceptive promotion I am now at a financial disadvantage.
I am in the process of purchasing a home that is under contract and scheduled to close on XX/XX/XXXX.

I was approved for my loan when we got an alert that my credit changed.

My loan processor checked my credit report and noticed that Conns reported my payments late for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

I was surprised because I made an agreement with their debt collection company on payments that I submitted the day they contacted me.

I immediately contacted Conns for an explanation on XX/XX/XXXX. They informed me to contact XXXX XXXX to discuss the account. I then dialed them and spoke to my representative ( XXXX ) who informed me my payments are not reflecting late.

I then contacted Conns back and spoke to a supervisor. The supervisor said they would open a ticket to review the request for an updated payment history.

I called numerous times throughout the next couple of days.

I contacted XXXX with XXXX XXXX because Conns informed me that they needed proof the payments were made on time and for the amount we agreed with them. We agreed to make payments of {$87.00} monthly.

I paid {$140.00} on XX/XX/XXXX, {$87.00} on XX/XX/XXXX, {$87.00} on XX/XX/XXXX and an additional amount of {$300.00} on XX/XX/XXXX.

I requested they send a breakdown of my payment history and payment agreement to Conns. They stated they sent it to their inner customer service department.

I called Conns and they stated I needed to contact XXXX XXXX for the letter. However, i informed them I already had a ticket open with them to obtain this letter.

The supervisor with Conns said he would get it to me. XX/XX/XXXX, I got XXXX with XXXX XXXX to send Conns proof of payment.

I called Conns again for an update and they said the ticket comments show the request closed.

This was not correct because I still needed a letter.

I told them to open another ticket so that I could get this resolved. I needed a letter showing the payments were reported in error and they would correct them.

XX/XX/XXXX, I spoke to Conns and they stated that the request was rejected because the debt collection company ( XXXX XXXX ) did not provide proof of our payment arrangements and the times they were made.

XXXX stated Conns told him their account shows current and they would update the credit.

I received a letter from Conn 's on XX/XX/XXXX that was a payment history report. However, I told them with the original ticket request that I need the letter to state my credit report would be corrected.

I called on XX/XX/XXXX to inform them of the new letter I needed and they stated it wasn't an option.

They then informed me they would only be updating a 180 day late report on my credit. Which didn't seem clear because I do not have a report for that amount late.

This is directly keeping me from purchasing the house I have a contract on that I previously qualified for and now those late reports have dropped my credit beyond acceptance.

They are not reporting my payment history accurately. I sent them proof of my payments made and that they were for the agreed amount with their debt collector.
I 've deposited {$1800.00} in order to have a secured credit card with First Progress Card. 
After few years I decided to close the account, I 've called XX/XX/2017 to close and ask for the deposit refund, at that time I was informed it should take up to 7 weeks which is ridiculous. It 's Seven weeks already and I did n't receive the refund, now I 've told that is up to 10 weeks!!!
On XX/XX/18 I purchased a car from XXXX XXXX dealership that was pre-approved and financed through Capital One. Since making the purchase I have made my payments to Capital One on time each month. On XX/XX/18 I learned that my car loan was paid in full. I then reached out to Capital One customer service to inquire who paid off my car loan. It was during this telephone call that I learned that the car dealership paid of my loan and the reason the car dealership provided Capital One was that they were " buying back '' my car. The Capital One rep then asked if I still had possession of the car, I advised that I do and that I had no intentions on selling it back to the dealership. Nor had the dealership ever approached me with an offer to " buy back '' my car. The Capital One rep also advised that if had any questions to contact XXXX XXXX at XXXX. I then asked the Capitol One customer service representative how anyone could call in and pay off someone's loan with Capital One contacting them to confirm? The rep replied that the dealership wrote the deal so they can do whatever they like going forward. Baffled by Capitol One rep 's response, I them asked where is my car title. The rep ( XXXX ) replied that the title was mailed to the person who paid off the loan. I immediately advised the Capital One rep that I did not purchase my car from XXXX XXXX. Nonetheless, I contacted the number provided on XX/XX/XXXX thru XX/XX/XXXX and left several messages for a XXXX XXXX but, I have not received a return call. On XX/XX/XXXX and XX/XX/XXXX I received voice messages from a woman named XXXX who claims to be from XXXX XXXX advising that they bought back my car loan and that I am to make payments using a self-addressed envelope they sent me in the mail to remit payment. The woman also left two telephone numbers one for the XXXX XXXX XXXX ( which is not valid ) and her cell number. I called the number I have on the XXXX XXXX GM business card that I have used to contact the sales rep post-purchase, however, the line just rings. No voice mail or any indication that I have reached the car dealership.
I opened two accounts with American Express National Bank, one for a high yield savings account and the other for a CD. I sent in the deposit slips by mail, and because I was uncertain which slip went to which account I wrote on each check where I wished it to go. On the {$20000.00} check I wrote on bottom left high yield savings and on the {$3000.00} check I wrote CD account. Recently I received a letter listing the CD as having {$20000.00}, and I also learned the high yield savings had {$3000.00}, which was the opposite of what I intended. I called last week and was told that the accounts would be switched and I should call the next day. I called the next day and was told they are working on it and I should call early next week to confirm the transaction. I called early the next week as instructed, and was told that the banking operation team determined it was not a banking error. I asked to speak with a team member and was told they can not be reached by the public. I went through several supervisors and received the same robotic answer - it is not a banking error. I was also told that if I wanted my {$20000.00} switched to the high yield account or sent back to me that I would have to pay {$780.00} in penalty ( 540 days of interest ). I asked why they had not called me when they saw the discrepancy and was told again the banking team determined they were not at fault. I believe the deposit slips are very deceiving, and since they look identical it would be easy to confuse which went where. I asked to have the slips sent to me so that I could see how the bank decided they were not at fault, and again I was put on hold, then was told it would have to be approved and I could contact them in 7 to 10 days to see if it was.

I am XXXX  years old and in no way wish to tie up {$20000.00} of my savings in a 5 year CD. I believe they took advantage of a situation and now have my money although I clearly marked where the checks were to go. XXXX XXXX XXXX XXXX has only one phone number and the people who answer are obviously trained how to field complaints, how to put one on hold, and how to defer giving answers. This bank seems impersonal, deceptive and difficult to deal with.
I have a foreclosre sale coming up on XX/XX/2018 and Select portfolio is snot removing the sale which will be in violation of my Home Owner Bill of Rights. Time after time this is a never ending battle with Select Portfolio Servicing to receive a loan modification. Im still having issues and have very big concerns regarding my home and Select Portfolio Servicing. They have placed my home on a foreclosure sale and has not yet removed the sale due to my loan modification in review. 
As soon as it seems like we are moving forward with the review process they are in need of something else. Finally they said they have all requested documents in their Ombudsman department. 
SPS has all my loan modification documents needed for a review they are reviewing it but still have the foreclosure sale when asked Select Portfolio Servicing they say its still active. How if im in review they still have the sale up. Im really worried about them selling my home. They have been jumping me around for a very long time now with my loan modification. I can not get a loan modification without them threatening me with a foreclosure sale date. I still to this day can not get a loan modification they always denying my loan modification. Please help me with this I have sale on my home XX/XX/2018 I am out of options I do not know what else to do for them to stop the sale and give me a loan modification. Please help me please I need someone to talk to about this. They are violating my Home Owner Bill of Rights and I need the sale stopped imminently for my modification to go through. This is way too long over three years now and I can not get an offer. Im ready to pay my mortgage but need help setting up and receiving a loan modification. 
Even when Making Home Affordable program was in use in the U.S the  company still prolonged the process for us and never gave us any offers or options through the program until it expired by the government. This is deceptive ways to get the borrower out and not to give them the loan modification.
I had bankruptcy about XXXX years ago, Equifax reported this account for XXXX yearswhile the other XXXX reported for XXXX years, Now I have applied for a loan. 
with XXXX XXXX, the loan officer tells me I have bankruptcy, Under federal lawten years is the max time to report but in this case, this is the XXXX year. 

another one is XXXX XXXX reporting XXXX dollar bond that was disputed and the case is pending in XXXX district court of Georgia ( federal Circuit )
Citi closed my inactive credit card account without any notice. Closing a credit card account - especially XXXX with a lengthy history - without giving prior notice of any form ( email, notice on website, anything would 've been helpful ) can significantly damage one 's XXXX score. In my case, it was my longest standing credit card of nearly 10 years, so ultimately I am being negatively punished on my mortgage rate for the next 30 years because I did the prudent thing and did n't use my credit card!
In XXXX I purchased at home and due to us outgrowing the home decided to move XX/XX/XXXX and do a lease purchase. Because the economy was down I rented out the home I owned ( XXXX XXXX XXXX XXXX XXXX, Ga. XXXX ). The rental tenant trashed the home and the home has been vacant since XX/XX/XXXX. I agreed to do a short sale with XXXX who owned the home at the time and they declined both offers so I begun the foreclosure process but in XXXX the sold the home to XXXX and the foreclosure process started over. They stated in XXXX there were title issues getting correcting before they could foreclose. XX/XX/XXXX I filed bankruptcy to protect my credit from this property. XX/XX/XXXX the bankruptcy was discharged. The home was still not foreclosed on. In XXXX it was sold to BSI financial. I have reached out to HUD and HUD states they have already paid the claim on the property at XXXX XXXX XXXX XXXX XXXX Ga. and it should have been foreclosed on when the claim was paid in XX/XX/XXXX. I have tried to contact BSI Financial to request that they move along with the foreclosure and the person over our loan does not contact us back and the call center representatives state they can not discuss it with me. Somebody at BSI needs to discuss it with me as it is in my name and nothing is being done. I have sought legal advice and he did a title search and states there is nothing wrong with the title preventing them from getting it out of my name and proceeding with the Foreclosure. This has drug on since XX/XX/XXXX. The house has been broken into, it has been gutted of it 's copper wiring, and appliances have been stolen. I feel that this house is a hazard to the community and I wish for it to get out of my name so that number one I can move forward and repurchase again someday instead of becoming a permanent renter, and number two so that if someone gets hurt at the property of XXXX XXXX XXXX XXXX XXXX Ga, they can not come after me. Even though I am no longer responsible for the payments or debt, it is in my name and preventing me from moving on with my life. I have a family, I need to purchase a home and provide them with stability and I keep getting excuse after excuse as to why this home is not foreclosed and I 'm also concerned why if HUD paid the claim on the loan, why this was not taken out of my name then? The title issues that XXXX mentioned did not prevent them from selling it to BSI Financial and again the attorney said here are no real title issues preventing it from getting out of my name and foreclosed on. I have no access to a property in my name and do not wish to have access, but I do with for someone to have the decency to let me know when this foreclosure will take place and what the hold up is this go round. I lost a lot of money walking away from the lease/purchase I was in because of this property issue not being foreclosed I could not have XXXX FHA loans and I am having to rent homes and that is getting old when I have good credit and established employment and should be able to buy if they would foreclose on this property like I have been told since XX/XX/XXXX was taking place .... when??
In XXXX 2015 I spoke with a representative from Navient, and decided to increase my monthly payments to decrease the time I will be paying them back. I just got a notice that Navient changed my terms, and they decreased my monthly payment ( which increased the length of time I 'd be paying them back by 15 months ). I called Navient. The representative told me that " Navient had reviewed the original terms of the loan and adjusted them. '' This was without my request. What if I had n't been paying attention? How many people are paying attention? This seems like such a slimy move, a way to enslave people with student loans for longer. Perhaps reading this people would think oh good, I can pay less a month, and not Oh no, I 'll be paying for longer ...
I have been a first time home buyer since XX/XX/XXXX my initial mortgage was through XXXX It was sold soon after to Caliber home loan. I made consistent payments to for the loan since I've had my property. I started a refinance process Caliber back in XX/XX/XXXX I was alarmed because the initial loan officer XXXX XXXX submitted than drop my application and re ran my credit giving me two inquires. I allowed some time from now until then to pass and consider the option again after Caliber alerting me that I still qualified for refinance, wanting to pay some debt down with the equity in my home I started working with a new loan officer XXXX XXXX she started the application process for me again reassuring me that all would be taking care of and moving expediently fast to me making a payment for the appraisal of {$99.00} dollars because they had a prior approval for my refinance to now no contact of any sort and a letter of withdrawal that I never made to the company. this recent application has dragged my credit score down drastically and has left me with no communication for anyone on Calibers end. its very unfortunate that this company is allowed to treat there customers in this manner when we are making payments and effected personal by credit reports
Stolen identity fraud accounts open in my name Open accounts XXXX XXXX XXXX/ XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Account number XXXX Amount XXXX Closed accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX Amount unknown
Hi my name is XXXX,and I have several store credit card through Synchrony Bank; however I have card XXXX on all of my credit cards; so I am XXXX, with XXXX,and I submitted a claim to synchrony bank/ card security and I was told that I was not Eligible due to not having an Eligible doctor; My doctor; XXXX was terminated from his office, due to drinking on the job, however my doctor had already completed my XXXX forms before he was terminated, and I have tried to reach out to him, but he is unavailable due to being terminated.I always pay my insurance on all of my credit cards through synchrony bank, however my XXXX, and has been for awhile, I was diagnosed with XXXX,and had XXXX last month; it's very hard already for me to maintain daily, but I just don't feel that it is fair to pay for insurance and can't use it because my doctor was terminated.I am now awaiting the transfer of my medicine records from XXXX office, to obtain a new physician, but it will take time to get set up under a new doctor care, meanwhile my bills are continuing adding up, with buying XXXX and gas it's very expensive
I had already communicated this issue to the CFPB but it was left unresolved. On XX/XX/2017 Wells Fargo Financial charged me an unexpected {$5.00} interest fee and my balance stands at {$6.00} currently after i had managed to pay it all off. I made them aware i am paying my student tuition at XXXX XXXX College currently at {$11000.00}. They have continued their push to charge me unexpected and exceedingly high interest. I am asking that the cfpb help me resolve this as soon as possible to reach a solution.
This information just showed up on my credit report within the last month. I think there are a collection agency for a credit card from XXXX XXXX. I had a credit card with the company that was opened in XXXX and paid off and closed around XXXX. I had a great payment history with XXXX XXXX. As I stated in other statements that on my credit report this creditor always showed paid as agreed. Now I believe around XXXX XXXX I checked my credit reports and XXXX XXXX is showing up negative. I reached out to several Customer Service Representative and there were not friendly. If someone could please help me with this problem I would be thankful.
Homeward Residential/Ocwen AKA AHMSI is n ot reporting correctly to  XXXX  that my account was delinquent as of  XXXX , 2010  . This is extremely important due to the fact that adverse credit accounts are suppose to drop off of the credit bureau after seven years per the Fair Credit Reporting Act. The account was later brought current and paid off. It is still showing on my current   XXXX    credit report when the credit delinquency if great tha n seven years. Homeward Residential/Ocwen  were reporting the  XX/XX/XXXX    delinquency 's correctly to  XXXX  and  XXXX . The account has dropped off of these credit bureaus due to th e 1st reported delinquency 's are greater than sever years old. I have contacted and requested twice now to Ocwen th at they correct the credit reporting with  XXXX . They have refused to do so.  XXXX  defers to the lender so they will not remove it either. They are in violation of the Fair Credit Reporting Act.  <P/> I have attached a copy of my mortgage Statement dated  XXXX  , 2010 that  shows my payment due date is  XXXX   XXXX ,  2010 w hich also sho ws 2 past  due paym ents (   XXXX  &  XXXX     2010 ). S ee the bottom of page  XXXX  in the attachment for past due details. I have also included a copy of my  XXXX  report that shows Homeward Residential reported me as past due from  XXXX  thru  XXXX   2010.    XXXX  and  XXXX  has subsequently removed this from my file since it is seven years old as required by the Fair Credit Reporting Act