WillisBack/dataset-financial-user-claim huggingface dataset:
My experience with roundpoint Mortgage has been absolutely terrible. Every time I have reached out to them I never have talked with someone that knows how to answer my simple questions. When I am lucky enough to even talk with a customer service representative, I am given different answers from every person I talk to. It is very apparent that these people have no idea what they are doing, or at least have no intent to actually help you. One particular experience I had with them was when I was trying to remove mortgage insurance from my loan. I filled out the request application and never heard from anyone at roundpoint ( I was told it would be 7-10 days ). After 20 days, I called roundpoint to followup with my application and they claimed they had not received anything. After a number of different calls and customer service representatives, they decided that they had received it and it was being process. At this point I was told it would be another 7-10 days to hear from them about getting the appraisal to finish the request. Again, after not hearing from anyone for 15 days at roundpoint, I called to followup. Everyone I talked to gave me different answers again. I was being told everything from the application had been denied, to they have n't even received the application. We finally got the appraisal scheduled. The evening of the appraisal I called the appraisal to follow up with how it went and the appraiser informed me that roundpoint had cancelled the appraisal. This was big news to me, so I called roundpoint to find out why this had happened. And of course, the customer service representative had absolutely no clue why the appraisal was cancelled and did n't know the appraisal was even scheduled. At this point I was informed that my loan was being sold to a different mortgage company and this was taking place in three days. A longer story cut short, I have paid for an appraisal that is no longer valid. All while I was being deceived to think they were helping me remove mortgage insurance from my loan. So roundpoint got a few extra months of mortgage insurance, over {$600.00} ( this process took a few months, instead of a few weeks like I was told ) and now sells my loan to someone else. It 's not too hard to see what roundpoint was trying to do here. And definitely shows where their priorities are. If there is a way you can avoid having roundpoint Mortgage from obtaining your mortgage note, I would do that!
# XXXX XXXX XXXX XXXX. - dispute claim and asked for a signature to prove it was mine -nothing # XXXX XXXX Bank Credit card - called & said card was used in XXXX XXXX I was never in XXXX at that time and cards had been destroyed 2 years Prior?
Ocwen Loan Services h as deducted numerous egregious charges from the escrow account without any burden of proof that a real expense occurred. Items such as property inspection fees etc. I have requested Ocwen numerous times to show me that an actual expense occurred and to provide the pictures of the said home inspection or a receipt of an invoice that was submitted from the inspector. They keep sending me the mortgage statements that show deductions but do not provide the proof of expense. The law firm handling the foreclosure case did have the case on hold but now have opted to proceed to foreclosure without resolving this issue. The law firm has also tacked on multiple duplicated fees that have increased the rear amounts owed to an unfeasible amount of money. Ocwen continues to play musical chairs with assigning a different relationsh ip manager every few weeks. Each time the new manager seems to not know what has happened to date?? This certainly delays  any resolution to the issue while they feel free to continue into foreclosure. The problem with Owen started when they refused to explain the charges and I put the mortgage into escrow and did notify them of such. Ocwen has never asked to see the escrow account info or to release the funds or ever resolved the issue or granted my requests for proof of expenses. IN fact all they did was raise the mortgage to satisfy their charges.  Ocwen  also sent a reply to my request to explain the charges to the escrow account stating that my name does not match any of their records??????
I was interested in getting a cashRewards credit card from Navy Federal Credit Union ( of which I am a member ). Periodically Navy Federal will offer a sign-up bonus for this card and I was waiting for an offer to come up, checking their website every day since the end of XX/XX/XXXX. When I checked the cashRewards web page on XX/XX/XXXX, a new message was displayed that read : Spend {$500.00}. Get {$100.00}. This was written in large print at the top of the cashRewards web page and was not an ad for something else. I decided that this was what I had been waiting for and applied for the card. I was approved, got the card a week later, and spent {$500.00}. Then I sent a message to Navy Federal through my account on their website asking if I had qualified for the bonus. They responded a few days later : We did not have a promotion that provided {$100.00} when {$500.00} is spent. This is not true. The website displayed exactly what I said it displayed : Spend {$500.00}. Get {$100.00}. It was for the cashRewards card. It was printed in large print below the main picture at the top of the page. The page displayed the offer for that weekend ( XX/XX/XXXX-XX/XX/XXXX ), then it no longer showed the offer anymore. But it was there for those days.
This debt was not discharged in bankruptcy but this was the only option above that was close to choose from. The XXXX refuses to remove the adverse reports from my credit file which is causing a negative impact on my credit scores despite several XXXX balances. The information is from medical billing that was caused by a current malpractice case. I am suing the Dr. for a procedure that was unnecessary. 
I have paid the debts ( and yes they were late ) and explained the circumstance which caused them, but when speaking with the supervisor XXXX from the agency, who BTW I asked for because the representative before him was rude and argumentative, insist XXXX that XXXX is not enough to remove it although it is XXXX of several reasons he gave for cause from his agency to do just that, and that the information on the collections was given to the agency late, not initially when the debts came in and that it accurately reflects who I am and the situation ( which it does n't fully ) I tried explaining that in my several disputes through XXXX, Equifax and XXXX ( who by the way REMOVED this from my XXXX to them ) I used the word litigation-he said that this was not XXXX for which I disagreed. 
I just want them to understand why the negative information is on there in the XXXX place and kindly remove it. since it should not have made it there to begin with. Not all but some of the representatives were rude and threatening that I have spoken with. This is so layered with incomplete notes from communication on their part and I feel helpless with a resolution. This company 's arrogance is not OK and should be investigated thoroughly which is where I think that you can help please. 
XXXX
I was involved in an accident and as a part of the settlement received a check from XXXXXXXX XXXX for {$3500.00}. I made the deposit on XX/XX/18 but my bank is holding all of it until after the XXXX. I have had this same account with this bank for 12 years and have deposited checks this size before. They would usually give me access to a portion of it while it clears. In this case they did not. I had hospital Bills and my car was totaled. 

I spoke to my bank over the course of the next few days and despite the fact that 2 business days have passed and that i have NEVER bounced a check or made a bad deposit they refuse to give me XXXX cent. I'm in a tight situation and desperately need access to my money. All I wanted is a small portion to available right away. At least XXXX or XXXX dollars, but the bank refuses to budge or acknowledge my tenure and excellent account history. 

There are laws governing how banks can withhold funds from deposits and this doesn't fall under any of those exceptions. I will be taking my banking elsewhere. But since they have put such a strain on me and my family for no reason I would like to file this complaint.
I was not given the proper notice to dispute this debt that is dragging down my credit score on my report. This debt has since been closed and paid.
I got a Reverse Mortgage in XXXX 2009. My original principle was {$100000.00}. I have only drawn out {$38000.00}. I am not finding what happened to {$31000.00}. I have requested a complete schedule of withdrawals and an available balance numerous time, and have only received partials.
On XX/XX/XXXX I made a XXXX  payment via my mobile app. On XX/XX/XXXX I made a cash deposit between XXXX cst.. However there was a glitch in CapitalOne system that caused my payment that was submitted after XXXX est to be returned bc there system did not apply my cash deposit ... When I was made aware via email I contacted the credit Card company and initiated another payment with an agent around XX/XX/XXXX or XX/XX/XXXX and the payment return again and the funds remained in my checking account. After that CapitalOne closed my account due to 4 return payments which 2 are invalid because its CapitalOne error on the checking account 360 side. I even made a conference call with CapitalOne 360 who I bank with and they even explained to the supervisor who the call was escalated to that the funds were there but they refused to reinstate my credit CapitalOne Credit Card. I feel discriminated on due to my age. If my bank advised you it was a bank error due to them posting my cash deposit immediately why should my credit be impacted because the bank system didnt post my cash deposit. Now my credit score has been droopy as well as my mother who was authorized on my credit card account.
On XX/XX/2018, I sent a letter to AFNI asking for validation of a debt they claimed I owed. As of XX/XX/18, I have not received a response from the above mentioned company of my request for validation. On XX/XX/18, I sent a certified letter dated XX/XX/18 that was received by their company on XX/XX/18 stating that they are in violation of the FCPDA and requested that I hear back from them in 15 days. On XX/XX/18, I received a letter from AFNI dated XX/XX/18 which is more than the 30 days allowed to validate the debt. In this letter they stated that they investigated my dispute and have verified the debt. As of XX/XX/18, I still have not received any of the requested information I listed in my previous letter dated XX/XX/18 asking for validation proof.
Applied for secrure credit card month ago put  XXXX  dollars down on it for a security deposit have n't heard from them it 's called first progress master card need tknow if I am going to get it if not want my money b ack one month i s long enough
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
I originally went to school at XXXX in XXXX mn. I graduated in 2007 from there. I have been dealing with medical conditions throughout the years and currently am waiting for my XXXX trial, so working is out of the question. I spoke with aes a few weeks ago and the young man i spoke to, emailed me the forberance form to fill out and send back. They said they received it between the XXXX of XXXX. i didnt get a response until over two weeks later, it turns out the young man sent the wrong form, so now they are tacking on more interest at a ridiculous rate. My original loan amounts totaledXXXXXXXXXXXXThey added alot of interest over the years and they then as of yesturday totaledXXXXXXXXXXXXThats ridiculous amount of interest almost XXXX the amount and now they did it again with a letter today saying that my payoff will beXXXXXXXXXXXXThere is no way on earth i could ever afford this. It seems illegal to all of a sudden charge that much for a XXXX dollar student loan. I have no assets and no job how in the world do they expect to get there money especially when they keep jacking up the price. I called again asked if they would consider settling. I would go to the bank and take out a small loan to hopefully pay this off in full so that way i dont keep drowning. I got told a flat out no and that my loans were not eligible to be written off even if my XXXX goes through. I want to scream i dont know what to do they are money hungry and wont cooperate. Please help
In XX/XX/XXXX my vehicle was reprocessed after only 30 days of delinquency. However my chief complaint is that I was never notified when the vehicle was auctioned or sold. According to the reprocession laws in the state of Nevada, as the consumer I was supposed to be notified of the date, location of the sale of the vehicle. Also I never received notice of how much the deficiency amount owed if any. This finance company is also reporting inaccuracies on all 3 of my credit reports. XXXX XXXX is reporting every month that I am delinquent which has added extra charges from original balance at the time of charge/off placed on my credit reports. None of the information is accurate that's being reported by XXXX XXXX to all 3 credit agencies. XXXX XXXX, XXXX  and Experian.
I have been a victim of identity theft. I have an extended fraud alert on my credit report. There have been numerous unauthorized inquiries on my credit report. I mailed letters to each of the creditors that are showing up on my report that I did not authorize but have not received a respons. I contacted Transunion by phone and by mail to dispute the inquiries and they refuse to remove them. These inquiries are affecting my ability to apply for credit. My complaint is with Transunion. Similiar inquires were showing up on XXXX and XXXX was very helpful in removing them right away.
My entire correspondence with Citibank is contained in the six PDF files enclosed. This concerns the Citibank 2% cash back card. Providing no reason or justification Citibank terminated my account which is never suffered a penalty and been in effect for over 10 years. They refuse to provide the 2% cash back which I have earned too many months of usage of their card. Please read the enclosed
After checking my credit report from all three credit bureaus ; XXXX XXXX, XXXX and XXXX, I noticed a negative remark on my credit report from Chase Card. I then immediately contacted them by phone and was praying this was some random mistake and they would correct it. I soon find out that I both times, for 2 separate accounts, I have applied for these credit cards but was never notified of even being approved for any of these credit cards. I had them immediately shut down those cards, but was told one was already closed, and to start an investigation. Then I was told I can reapply for another Chase credit card but we will close this one account and mail you a check for the difference. 2 agents told me the same story. After waiting a week, no check nor any phone calls or emails, nothing! Someone was using 2 different Chase credit cards in my name and making payments for them, in my name, for over a year on one card and over 2 years on another card. Chase 's Security and Fraud department promised they would start an investigation and they will not hold me liable for any unauthorized charges pending the investigation. I waited over a week and I received no mail or contacts from no one about these accounts. Since then I have called numerous times and transferred to many different agents. There has n't been no notes in the account for over 45 days now. Nothing has been done about these 2 accounts I originally applied for but never received. Just today I spoke with a XXXX, who would not provide me their employee ID or extension, and said they will escalate this matter immediately and that someone would call me back today. No one has called me back. I 'm wondering now who are the real fraudsters here? The people who have been using my cards I 've applied for or Chase? Yet every time I call they try and verify that this is really me, why have n't did this when someone been using my 2 credit cards? And all the payments that were being made to these accounts, who get that for free? Chase? I will be reporting them wherever I can. They record my phone calls but no records of what they have promised me? I will now be the one telling them, this call will be recorded, just to prove a point how crooked Chase is.
Delay from Chase in making a decision on my loan modification. I have been trying to get a decision for 6 months and every time I call they come back with another question or XXXX from " underwriting '' and than say the will get back to me in another 30 days if they have more questions.
Everbank did not send me any information to explore my loss mitigation options,  NOR  did they file an order notice as required by law in massachusettes at the registry of deeds, nor was I notified of the auction. Auction  date   XXXX  - I h ave an investor that wants to short sale need more time. I have n't received any correspondence on the foreclosure date by mail .Was notify by someone other than everbank Please help!!
I opened an account A local on-line banking institute about seven months ago upon completing the enrollment process on-line, I was promised a {$300.00} enrolment bonus, when I contacted my bank via on-line I was given a run around, which to date I still have n't received any portion of the {$300.00}. I 've received several bounce slips with choice words as to refer to the " MAKER '' for reason of non-payment, I received conflicting deposit and withdrawal codes. I did attempt to correct or fix the errors, but to my surprise I was n't that lucky. Today I went to the local branch to just cash a payroll check from my employer and was informed my account had been charged-off for non-payment. I was however able to immediately reopen my checking account successfully with a XXXX dollar deposit, but given no explanation as to why so many problems to where it has effected my credit and credit score negatively, not to mention embarrassing and frustrating to name a few. The bank I 'm referring to is XXXX XXXX XXXX Checking.
I submitted a complaint to your office regarding this issue with Chase bank before. We spoke with Chase bank customer service. We have been told that they will be working on our case and asked us all the proof of income. We submitted all the information but Chase never contact us with the help they say they will help us with. We are at the end of the year no solution. We are wondering on how long will Chase bank take to tell us about our mortgage modification. We our income we are not able to pay our mortgage monthly payments as scheduled. Too high.
Applied for Home Equity Loan  XXXX / XXXX /17.No amount was requested. Believed amount of approved HELOC would be defined by lending agent, U.S. Bank. At the time of the loan application, I was aware of approximately {$50000.00} equity in my property, a condominium and I disclosed this information to the manager   XXXX   XXXX  ,  XXXX . who initiated the loan process and communicated with me until all documents needed for the loan assessment were submitted. Upon initial conversation with the Branch Mgr., he indicated the preliminary data indicated I should qualify for a {$72000.00} loan but I was NOT informed that this was the amount he was requesting in loan application.
On  XXXX / XXXX /17 I was informed by email and letter that the loan was denied due to " value or type of collateral not sufficient '' AND " insufficient amount of equity based upon the loan to value percentage ''. Per denial letter instructions I request further explanation from the Branch at (   XXXX   )  XXXX , receiving no additional information.  XXXX / XXXX /17 I requested Branch Mgr. to follow up with Corporate Office with no further clarification.
Question : How can loan be denied for LTV when no amount was requested by the applicant? If lender does not approve HELOC 's for condominiums, this information is needed as a consumer so I can understand my future lending options.
XXXX XXXX ran two Hard Inquiries on my credit report ( experian ) XX/XX/XXXX and XX/XX/XXXX. First of all, I did not apply for a personal loan within those dates and most importantly i did not authorize nor sign off on a Credit application for a hard inquiry.
Experian has violated my privacy on multiple occasion by contacting third parties without my permission. They are in violation of 15 USC 1692e for using my name in vain and for false representation of my information without my permission. Inaccurate information must be corrected or deleted. A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. They are now trying to report a fraudulent address. 
Section 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ). I HAVE NOT granted them access to report my information or discuss it with a third party yet they continue to do fraudulent and frivolous so called investigations. I am a victim of identity theft and CRAs are prohibited from reporting fraudulent information. 15 USC 1692F. 
They have been notified by certified mail : XXXX on XX/XX/XXXX and certified mail XXXX on XX/XX/XXXX. We are now prepared to take legal action if this is not resolved immediately.
I contacted and submitted a dispute validation letter to Experian and BY LAW Experian must receive the original document from the company i am disputing to validate the debt. And if it is not validated by Experian, even if the creditor does not delete it, Experian must delete it. They told me they are not requesting documents. The guy told me if the creditor replies back and says its validated, they will not remove it. THEY ARE NOT FOLLOWING THE LAW. Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. To positively prove an account is yours, the creditor must provide the Credit Bureau a copy of the original creditor 's documentation ( whatever you filled out and signed upon opening the account with the reporting creditor ). They are leaving it up to these scam collection agencies to validate the debt. I asked to speak to a Supervisor and he refused to let me speak to XXXX. He placed me on a long hold and said he was letting me speak to a supervisor but sent me to a voicemail. I called back and this girl also refused to let me speak to a supervisor. She placed me on hold, came back and she said the manager said she already spoke to me and said contact the creditor!!!!!!!!! i told her i did not speak to anyone, she placed me on hold and said, my manager has left and she can schedule a call back. She said her name was XXXX and her team name was XXXX. i am so disgusted with Experian. and they are suppose to be a Government Agency! I want the letter I sent to Experian, lawfully and correctly handled.
Complaint is that I and all are being manipulated via the issuing of extremely lower FICA scores generated by individual lenders. In this case Synchrony Bank who maintains the greater majority of my retail credit cards,  XXXX  accounts currently being challenged and my score is  XXXX  pathetic. I have paid off my mortgage and other accounts and in lieu of going up it goes down. I have been denied credit and the ability to get a loan and they both the credit bureau and lenders point at each other. By opinion lawless sham for consumers have no protection from anyone- none!