WillisBack/dataset-financial-user-claim huggingface dataset:
We filed a loan modification application which was deemed complete on XX/XX/XXXX. Per XXXX XXXX, they required thirty days to review the application before a decision was to be made. Mind you we have gone through this process with this bank before ; however, this time it was different because we clearly had a hardship -- we had to file bankruptcy on XX/XX/XXXX to save our home. Once the file was deemed complete, I contacted them at least once a week for the next thirty days to see if a decision had been made. On or around the end of XXXX, I contacted Sterling and spoke with XXXX XXXX. He was handling our modification. He told us it was denied because we failed to demonstrate a hardship ( basically our gross monthly income to mortgage ratio was at 26 % ). According to him, our ratio needed to be 31 % or higher. During the time our modification package was being reviewed, my husband lost his job ( document attached ). We decided to appeal and we had until XX/XX/XXXX to submit our appeal. The appeal required an appeal letter, along with the supporting documentation to support the appeal. I sent three documents 1 ) the appeal, an updated financial statement, and a copy of the lack of work letter. 
Sterling received these document on XX/XX/XXXX, and told me that they had 30 days to review the documents before a decision was to be made. Again at least once a week, for the next thirty days, I contacted them to get an update. Yesterday, on XX/XX/XXXX, I contacted Sterling again, and spoke with XXXX ( who handled our appeal ). She told me again they were upholding their original decision because we failed to show a hardship. She told me that when she  prepared the file, she removed my husbands salary, took our arreage and put it on the back end of the mortgage and moved it out from 360 months to 420 months. She also took into consideration my monthly gross income ( {$10000.00} ). Our mortgage payment is {$5000.00}. If you divide XXXX by XXXX, you get 49 % which is clearly HIGHER than the 31 % which is what Sterling considers the hardship minimum. 49 % ratio would qualify as a hardship under their own guidelines, but she told me that the " committee '' looked at the whole entire situation since XX/XX/2016 when we first fell behind on our payments. We fell behind because we have an ARM and our rate adjusted which DOUBLED our mortgage. My issue is that they have changed their rules and now I feel that this is personal. If the guideline says that 31 % or higher is what they considered to be eligible for a hardship and our appeal showed that the lost of income put us at 49 % then we should qualify. They have to apply the same rules to all applicants. This decision to uphold their original decision is purely a violation of their own rules and I would like the CFPB to look into this.
Ocwen Loan Servicing withdrew XXXX payments of {$2000.00} and {$2500.00} from my bank account on XXXX/XXXX/2015. While I authorized the {$2000.00} payment, I did not make the {$2500.00} payment they pulled from my account. The last time I made such as payment was on XXXX/XXXX/2015. I am not behind in my payment so they applied the payment to XX/XX/XXXX payments. I called Ocwen on XXXX/XXXX/2015 to complain and have the money sent back. The lady I spoke to said I must have made the payment by mistake which I disagree. She However promised that the {$2500.00} will be wired back in for days. I waited for XXXX business days and when nothing happened I called again. This time I got a lady who explained that the accounting department was processing the check and they ca n't tell when I 'll have it even when pressed on the issue. Again 3 days to end of the month I had n't received the money. I sent emails as well on the issue and each week I have been getting a letter from Ocwen saying that my issue is being reviewed by the Research Department. On XXXX/XXXX/2015 I got tired and wrote to Ocwen telling them that this has taken too long and I want my money back with interest for the whole month. 

On XXXX/XXXX/2015 someone from the resarch department called me asking is they could apply the money to my next months payment. I could n't understand why anyone would withdraw someones money by a mistake, ignore all request to refund the money, keep it for a whole month, then have the guts to call and ask if they can keep the money. Out of my anger I told the gentleman that they did n't ask for my permission to take the money and keep it for that long so they do n't need my permission to do anything. Now I 'm trying this final approach before I take legal action. This is just one of the issue have had with this company since I refinanced my home last XX/XX/XXXX and they got loan. I have spend so much time on phone to correct simple errors on my insurance coverage from XX/XX/XXXX to XX/XX/XXXX and every time they used to tell me to email the documents yet no actions was taken. Now they are using my money as soft loan.
The XXXX XXXX XXXX XXXX company called to harass me about this student loan that was already been discharged by the federal Government ( XXXX ) 2 years ago. due to my permanent XXXX they have discharged my XXXX XXXX XXXX completely.. XXXX XXXX XXXX claims their client was College Assist Corporation. I explained to them that the loans were discharged and sent them proof of it, and they still insist that the debt exists. This happens every 2 years and It is all phoney. This is the second time this company has come around with the same debt that does not exist.!
Trans Union need removed XXXX  XXXX XXXX docket # : number XXXX I never when through a chapter XXXX bankruptcy dismissed I want this removed off my credit report because it hurt my credit report history. And they post this twice on my credit -history on Trans Union this need to be removed I did file bankruptcy did not go through a bankruptcy chapter-XXXX this need to be removed off Trans Union .
In XXXX 2015 I refinanced my home through XXXX Lender for {$280000.00}. Subsequent to this, the loan was purchased by XXXX and servicing was initially provided by XXXX XXXX Loan Servicing Division. The first payment was due XXXX/XXXX/15 and XXXX serviced the loan through XXXX/XXXX/15. For some unexplained reason when I reviewed my payment history online, {$83000.00} had been added to the principle. It is obvious that something was wrong as the note and all my docs clearly show the borrowed amount as {$280000.00} ; Even XXXX XXXX account history shows the initial {$280000.00} as well as the addition of the {$83000.00} about 2 weeks later. I brought this to their attention and after many, many communications they said they resolved the issue and adjusted my account accordingly on XXXX/XXXX/15 ( I have included a copy of the payment history from Impac ). Their explanation was that somehow my loan docs had been mixed up with another and caused the addition of the {$83000.00}. About the same time they said the matter was resolved, they coincidentally transferred the servicing of my loan to Specialized Loan Servicing ( SLS ) which began on XXXX/XXXX/15. In reviewing my account with the new loan servicing company SLS, the {$83000.00} has been suspiciously attached to my account again. On top of all this, SLS now has my property confused as being in XXXX County instead of XXXX XXXX County for my escrow account tax payments. SLS customer support told me they will look into it, but something is just not right. I feel like someone is trying to hide this {$83000.00} back at XXXX or XXXX, which are both part of the same company. I am very disturbed by all of this and would like some help in finding a resolution. I have attached an account summary from SLS to show the current amounts they list as well as the payment history from XXXX XXXX to show the suspicious addition and deletion of the {$83000.00}. Thank You.
I was recently defrauded by what I thought was a company that wanted me to work for them. I have my resume up at online job boards like Monster and I received a response from a company concerning a XXXX XXXX position. Although they seemed to be legitimate, they defrauded me for $ XXXX. 

Once it dawned on me that this was a ruse, I contacted the FBI and the Secret Service. I then asked Chase to place a hold on my credit card account. Since it 's been a few weeks and I have yet to hear anything back from the FBI or the Secret Service, I called Chase to find out whether or not I had any fraud protection on my card. Suffice it to say that the woman that I ultimately was transferred to, did not make me feel as if I had been victimized ; she made me feel as if I was an accomplice and was arguing around semantics. She said that I was scammed and not defrauded and therefore not eligible for fraud protection. The words are synonymous though and I explained that in my Email to the CEOs of the bank. I 'm just asking that they help me with this situation and that 's what I called to do until I was challenged by this woman. Surely they can see that I was acting in good faith when I thought I was acting as an agent of this company. I left out a lot of detail for the sake of brevity but I will gladly provide you the Email that I sent to the CEOs if you need it. 

Not only did she make me feel as if I was somehow in collusion with the criminals, she hinted that they have placed some type of freeze on my credit which makes me feel re-victimized because I need my credit to qualify for school loans. Is there anything that you can help me with? Is there any way that I can help myself? 

Thanks for your time.
My family is currently experiencing financial hardship and we are working very hard to keep up with current bills, past due bills, etc. Discover Financial has recently contacted my past employer and I feel that this is highly inappropriate. - This happened a few years ago, when it was n't even an actual debt, more like a misunderstanding with a loan I had paid off, and now that I 'm having actual financial difficulties, they are trying to reach me by contacting people I have n't worked with or seen in years. I would like to file a complaint about this debt collection practice. Thank you for your help.
Upon graduating from XXXX XXXX School in XX/XX/XXXX, I was repeatedly harassed by Sallie Mae ( now Navient ) regarding repaying my loans. At the time I was still trying to study for and pass the California XXXX XXXX and was unable to find a job. 

On XX/XX/XXXX they Capitalized Interest in the amount of {$5200.00}.

On XX/XX/XXXX they Capitalized Interest in the amount of {$390.00}.

On XX/XX/XXXX they Capitalized Interest in the amount of {$100.00}.

On XX/XX/XXXX they Capitalized Interest in the amount of {$38.00}.

On XX/XX/XXXX they Capitalized Interest in the amount of {$37000.00}. 

During the times listed above, I was actively seeking employment as an attorney and had no income. Sallie Mae/Navient placed me into forbearance and harassed me with telephone calls regarding repaying my loan. I was scared, intimidated, and discouraged. 

I had no idea that income-based repayment plans were available. Had I known, I would have immediately entered one upon graduating. But that was n't the case. 

Luckily, I heard about income-based repayment plans on my own and hired an attorney to help me navigate the system and enroll in one. This was in the late Summer/Fall of XX/XX/XXXX. I had gotten a job in the meantime as well. 

Furthermore, on XX/XX/XXXX they Capitalized Interest in the amount of {$25000.00}. I had already submitted my IBR renewal and they confirmed they received it and it would be processed on time. 

Sallie Mae/Navient used a preposterous amount of phone calls to continually pressure me into repaying my loan without an income, placed me into forbearance without giving me the option of joining an income-based repayment plan, and capitalized interest on my loan several times for no reason. 

My XXXX school ( XXXX XXXX School ) will be closing soon and they are just as much to blame as Sallie Mae/Navient for the nearly {$300000.00} student debt I am in. XXXX XXXX School lied to me about their bar passage rates ( I did not pass the first time and had to re-take the XXXX XXXX 2 days before my wedding ), job placement rates ( it took me 2 years after graduating / 1 year after passing the XXXX XXXX to secure employment as an attorney ), and they lied about average starting salaries for XXXX XXXX School alumni ( they claimed a number near/around $ 70,000- {$80000.00} per year, my first job I was offered {$58000.00} per year ). 

It is no surprise that XXXX XXXX School is now closing down due to poor student performance. Their entire institution has done nothing but lied to me about my prospects as an attorney - FOOLING ME into taking a 6-figure student loan to pay for their OVER-PRICED tuition.
We applied for a loan modification through Shellpoint Mortgage Servicing on XXXX/XXXX/15. We received a letter dated XXXX/XXXX/15 advising that they received the complete modification packet and it could take 30 days for a response. The letter also said that " your property would not be sent to foreclosure or if it had been started, we will not initiate a foreclosure sale. '' We received a letter dated XXXX/XXXX/15 from an attorney 's office stating we were in pre-foreclosure status. I called Shellpoint on XXXX/XXXX/15 at which time I was advised that we were denied for the modification and our only options were a repayment plan, short sale or foreclosure. We wanted to try a repayment plan however, he said there would be legal fees added in. I did n't think they should be because his letter said that it would n't be sent for foreclosure until a decision was made. He said I could send in an appeal letter disputing the legal fees being added to a repayment plan so I sent an appeal letter on XXXX/XXXX/15. I called on XXXX/XXXX/15 & XXXX/XXXX/15 and was advised it was still pending a decision in the escalation dept. We received a letter dated XXXX/XXXX/15 on XXXX/XXXX/15 from the escalation dept advising that our request for a modification would remain denied. I called on XXXX/XXXX/15 and stated that we were appealing the legal fees ; the customer service rep said he recognized that and was sending it back to the escalation dept for review. I called on XXXX/XXXX/15 checking status and to try to make a payment ; I was advised that it was still pending and that we were not " allowed '' to make a payment. I also confirmed again that foreclosure proceedings were on hold. We received a letter on XXXX/XXXX/15 from the attorney 's office advising that there is now a sheriff 's sale date for our property. I called Shellpoint on XXXX/XXXX/15 and he said the decision was still pending. He also said that the " sheriff 's sale was n't until XXXX/XXXX/15 so we should have a response from the escalation dept by then. '' I asked why there was n't a hold on it and he could n't say. I called the attorney 's office right after and she said there was no hold on our file.
Even though I have provided proof that a debt has been paid previously, I continue to get harassing phone calls from Centric Asset Management. They have even contacted my sister and former husband after I asked them to stop contacting me. Their calls include threats to file charges against me, sue me, and garnish my wages. I have asked them to stop to no avail.
I have the same released CA state tax lien reporting on my Equifax and XXXX reports twice. The tax lien was filed in XXXX different counties, apparently, the one I reside in and the county of the XXXX, so it is showing up as XXXX separate liens. Which obviously creates XXXX separate public records on my reports. XXXX was the only one that removed XXXX of them, while the other XXXX just sent back a standard letter saying they were both reporting correctly. I do n't know how to send proof that it 's the same XXXX, although you can see that they were both filed and released the same day and the dollar amount is the same. When I contacted the state of CA, they confirmed that there was just XXXX lien and to ask the credit bureaus to remove it, they could do nothing on their end. The tax lien to begin with was part of our bankruptcy discharge, and it was discharged because of the nature of the tax, but CA state tax board refused to acknowledge it, so I had to just pay it. I have more than once disputed the tax liens, the case number I provided was just XXXX that I have.
I received a letter from Recovery Solutions Group , LLC on the second week of XXXX trying to collect a debt addressed to XXXX and XXXX ( letter enclosed ) for the amount of {$4700.00} for the services rendered by XXXX XXXX XXXX XXXX for the Company ( XXXX XXXX, LLC ) entity # XXXX registration date XX/XX/XXXX and is still active. XXXX XXXX is the agent and president, jurisdiction is California and address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX.This business is a single location in southern California . I ignored the letter thinking it must be a mistake. XX/XX/XXXX I received a phone call From XXXX XXXX ( Legal Coordinator ) for Recovery Solutions and she left a message regarding a debt and file # XXXX so I called her back and inquired about the call. She said I owe her client XXXX the above amount because I worked for XXXX XXXX XXXX entity # XXXX. I explained to her that there must be a mixed up and mistake since XXXX went out of business in XXXX and California Secretary of State suspended its permit and I have been retired since then. She asked if there is a relationship between companies and I said no, she asked if I know those people and I said no, but she did not believe me and mailed another letter to me and the lawyers ( agent XXXX XXXX XXXX ) who processed XXXX 's business permit back in XXXX. What I'm trying to explain here is the two companies have no connection at all and that they ( Debt collector ) can not go after another company just because they have similar names even though there are proof of documentations to prove it or maybe their investigators did not do their due diligence properly. XXXX is also a single location business and was located in Northern California. Also the transaction in dispute between XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX transpired in XXXX which is very recent and in southern CA. I am enclosing supporting documents to prove that XXXX XXXX XXXX which is already out of business since XXXX has no connection whatsoever to XXXX XXXX, XXXX and that XXXX XXXX is the person they should be pursuing and XXXX XXXX, XXXX not XXXX XXXX XXXX.
Dear Synchrony Bank this is my third time disputing the credit card transaction against XXXX. On XXXX XXXX, XXXX I received a letter from Synchrony Bank post-dated XXXX XXXX, XXXX in regards to a dispute for account ending in XXXX. According to the invoice provided by XXXX XXXX which his own invoice detailed what material and work was expected to be completed at my residence. In the invoice it is documented that the customer, I agreed upon to have granite counter top, installation, and wooden kitchen cabinets installed in the amount of {$7800.00}. Again In his own letter XXXX XXXX stated he never completed the job and not all the goods as promised upon by both parties have never been rendered or delivered. Therefore, I am disputing this charge once again ( 3rd time ) for the goods that I ordered in which were never provided, I was wronged by this transaction, and how can I be charged {$4000.00} for something I never received, was provided, or rendered in its entirety? We opted to utilize another company, XXXX and again I faxed a copy of their invoice showing the work and material that was never rendered by XXXX XXXX had to be repurchased in an amount more than {$4000.00}. As a consumer I would thoroughly appreciate if Synchrony Bank would do a comprehensive review of my dispute. I have faxed more than enough documentation, on XXXX/XXXX/XXXX I faxed a comprehensive report outlining my claim, but I am faxing the same information for the second time for you to review again. Secondly, if you find my claim to have enough merit, I would like Synchrony Bank to remove the funds from the merchants account and put it back onto my account. Despite XXXX XXXX no longer using Synchrony Bank is not matter of our concern as a consumer, because at the time of agreement of the services requested and goods that I thought I had ordered by myself the funds were never received to me from XXXX XXXX XXXX to XXXX as originally agreed upon on XXXX/XXXX/XXXX when I was pre-approved for an open line of credit with Synchrony Bank. 

Respectfully,
My husband and I are trying to refinance our house. Ocwen is our 80 % mortgage holder and they are not reporting our monthly payments to the credit bureaus. We tried to refinance with a mortgage broker and when she ran our credit Ocwen a showing as a close the account ( See example A ). She told us this is affecting our credit score and in turn we can not refinance. I contacted Ocwen 's resolution department to discuss this matter, they told me they are reporting our monthly payments to all XXXX credit bureaus XXXX, XXXX, XXXX, and XXXX as current and that I could contact the credit bureaus to confirm. When I contacted all XXXX credit bureaus to confirm our account is being reported as current they told me Ocwen is not showing on our credit. We have a high interest rate as well as it is a fluctuating interest rate with Ocwen. They will not let us refinance with them and we are unable to refinance with another company due to our credit score because of Ocwen 's lack of reporting. Ocwen 's resolution department sent me a response letter stating that they are reporting to the credit bureaus. And when I spoke with the credit bureaus individually I was told Ocwen is not showing at all on our credit report. Ocwen is still refusing to fix this because they say they are currently reporting our account as current. Since claiming bankruptcy in 2008 we have never made a late payment to Ocwen or our previous mortgage servicers. Since informing Ocwen we were speaking to other mortgage brokers about refinancing we have started to receive phone calls from a man named XXXX XXXX claiming he is from the Federal Government Mortgage Relief Program and that he can reduce our principal balance by {$45000.00} bringing are principal and interest payment to {$540.00} with a fixed interest rate of 1.6 % and he tells me that only he can talk to Ocwen to make these numbers official. But he does n't realize that when he called the XXXX to time the number on my caller ID showed up as a number I was given by an Ocwen employee as a number I could call Ocwen to check the status of the issue with our credit report. Can someone please help us we currently own more on our house then it 's worth we have never refinanced or remortgaged or borrowed against our house and just want to be able to afford our monthly mortgage payments and right now with our taxes and insurance we are paying about {$1800.00} monthly we are drowning.
I have an account on my credit who I do n't know which company this debt collection his. I want this to be removed from my credit or get more information about the name of the company.