WillisBack/dataset-financial-user-claim huggingface dataset:
This complaint is origination out of previous complaint ID XXXX According to complaint XXXX Wells Fargo response dated XX/XX/XXXX page 2, it states reason 's for Modification denial " payment deem affordable " In complaint just recently submitted XXXX for reason 's for modification denial " was denied because you already reached the allowable number of modification " Well Fargo fail to address the previous complaint recently, and mechanical robot CFBD close the complaint without notice of conflicting denials. 


Gentleman : It is apparently clear that Well Fargo is purposely refusing to address XXXX modification by circumventing and attempted endeavor to remove me from calculation error,, by stating that there's to many allowable modification which is not true, for complaint ID XXXX states " payment deem affordable " which places me under the impact by automated calculation, recent response XXXX mischievously created misdirection to continue malign practice to keep me from achieving class action that is pending against Well Fargo,,, complaint XXXX " deem affordable " application was calculated by the underwriting, Wells Fargo foreclose on me illegally by miss calculation,,, ,CFBD stop being a robot and do something about this company Wells Fargo 's underwriting tool had miscalculated whether homeowners were eligible for the Home Affordable Modification Program or other government programs designed to help people remain in their homes despite difficulty making payments. Because of the glitch, around 625 Wells Fargo customers either were improperly denied mortgage modifications or were not informed they could qualify to have their loan terms modified.Hundreds of customers faced foreclosure after modification denials The Home Affordable Modification Program was intended to help struggling families modify their mortgages in cases of documented financial hardship. Participating homeowners had their monthly mortgage payments reduced by a median of more than {$530.00} through interest rate adjustments, loan forgiveness, forbearance, and extended repayment terms. An internal review of the Company 's use of a mortgage loan modification underwriting tool identified a calculation error that affected certain accounts that were in the foreclosure process between XX/XX/XXXX, and XX/XX/XXXX, when the error was corrected. This error in the modification tool caused an automated miscalculation of attorneys fees that were included for purposes of determining whether a customer qualified for a mortgage loan modification pursuant to the requirements of government-sponsored enterprises ... As a result of this error, approximately 625 customers were incorrectly denied a loan modification or were not offered a modification in cases where they would have otherwise qualified. In approximately 400 of these instances, after the loan modification was denied or the customer was deemed ineligible to be offered a loan modification, a foreclosure was completed. It appears that Mrs. XXXX XXXX and Wells Fargo enjoy foreclosing on American families so they can reap benefits of government monies and Consumer financial protection bureau watch it happen.
While getting car insurance with State Farm, the insurance agent suggested a credit card and life insurance for my son. It was to lower our car insurance and put the down payment on the card. Well, the card never came but it was approved, and ALL of the insurance payments were being applied to the card. I called my agent, he directed me to call State Farm Bank. They could n't do anything without an account number. But I could n't let my insurance drop so I paid the car insurance through XXXX XXXX XXXX and not through the State Farm Bank credit card. But they still are changing me for the car insurance. I spoke to my insurance agent and explained what was happening. He called State Farm Bank and put us on a 3 way call. The bank rep had nothing more to say other than to pay my credit card bill on full along with the late charges or it was all going onto my son 's credit report.
I received my XXXX XXXX credit card : XXXX, when I called to activate the card, I was informed by a Continental Finance Represenative that she couldnt activate my card because my new phone number wasnt listed on the account, and it was their policy if your old phone number changed and you didnt have your new phone number on the account when you first applied for the credit card, then you have to apply for the credit card again. Thats illegal. They also charged me finance fees for a credit card they wont activate and I cant use. Thats also unlawful.
We/our client have been unsuccessful in a loan modification process that we have been attempting since XXXX 2015. We have submitted each and every request to Bank of America to no avail. We have provided documentation each and every time it has been requested and can not seem to get confirmation of documentation ( because there is an active cease and desist on the file due to litigation ) along with opposing counsel continually requesting the same documentation over and over only to consider they are not forwarding to their client 's for review. Our translation of the guidelines support that we are to have a dedicated individual reviewing the documentation and open communication re : same. Litigation is still continuing and we are not getting anywhere with the review.
My name is XXXX XXXX and I have attempted to unfreeze my credit with experian for over a month. I have sent them all documentation requested, and in return they do not answer their phone, emails or correspondence. I received a copy of my credit report with information that i requested a security alert. This is a total lie. Experian is holding my credit report hostage and will not unfreeze my report. 

I am trying to apply for a mortgage loan, and can not until my credit is unfrozen. XXXX and XXXX both unfroze my credit. 

these are the papers i received from them. I tried to log in with the report numbers, and it will not let me do this. 

I will lose XXXX dollars of earnest money if I can not get credit unfrozen. 

I sent everything to them as well as certified mail, over 10 days ago. 

These people are ACTING UNETHICALLY, AND THE FACT THEY DO NOT ANSWER THEIR PHONE, SPEAKS VOLUMES. THEY ARE FORCING PEOPLE TO BUY THEIR PRODUC T. THIS IS WRONG, AND THE GOVERNMENT NEEDS TO PROTECT US AGAINST THIS UNFAIR BUSINESS PRACTICE., They need to be stopped.
Ditech is the servicer on my mortgage loan. I have not had an escrow account in years. I paid my  taxes in full the end of  XXXX  for the full year of   XXXX  . Ditech sent me a statement on  XX/XX/XXXX  and attached an escrow account and billed me for it. By law they are not allowed to do this unless I am delinquent on taxes or insurance. I am not. My mortgage payment on my loan terms is {$640.00}. I have automatic withdraws on my bank account and they are taking {$970.00} a month. I called on     XXXX   XXXX   XXXX     when I realized what happened. I spoke with  XXXX  in the  Tax Dep artment. She said it would be corrected in  5-7 days. S he admitted that they made a mistake and paid  XXXX   county  my taxes for   XXXX  . I faxed them on the same day proof I paid my taxes to  XXXX . I received confirmation they received this. In   XXXX  , they charged me the correct amount of {$640.00}. On  XX/XX/XXXX  I called again and spoke with a  manager  named  XXXX . These calls are recorded by the way. She said there were waiting for a refund from  XXXX  county before the refunded my money and quit charging me for an escrow account. She mentioned it was their mistake as well. However,   XXXX   and   XXXX   they took {$970.00} again. I called back on   XXXX   and spoke with  XXXX   XXXX  in the tax department of  Ditech a nd his  manager   XXXX . They both promised it would be resolved in a few days as well. Now they are taking {$810.00} out of my account. This is the  XXXX  month that I 've had to take an hour out of my day to call and try and get them to stop taking my money. This is illegal and it 's not my fault that they made a mistake and paid my taxes. My loan terms clearly state that I do not have an escrow account. I 'm frustrated, want my money back with interest and want them to stop taking money from my bank account illegally. I can n ot imagine how many other people they have done this to. I 'm sure I 'm not the only one.
Shell/Citiban k CBNA    #  XXXX  Account closed by  Shell ,  Paid, Never Late, Perfect payment history Last paymen t  XX/XX/XXXX  Delete date for CRA was  XX/XX/XXXX .      Please delete from CRA record.
Ditech has refused to send statements on a monthly basis to cut down paperwork, they also have not reported my payments to the credit bureaus. Now I will no longer know if they have received and posted my payment or have any balance information given to me like they use to and I believe this is unfair. The company claims they want to cut down on sending paper statements. Now I will loose all track of payments and balance history unless I call them monthly or request a payment history which means they will have to send paperwork anyway so this is unfair and makes no sense. This kind of behavior with these companies has to be stopped. Consumers seem to have no more protection of our second mortgage debt and that should be against the law.
In XX/XX/XXXX after requesting a change of address on my Capital One account, I was asked to provide detailed paperwork, which I did not have. This paperwork was more detailed and difficult to gather than the paperwork required to open the account. 

Since I was unable to gather the paperwork together, my account was put into Restricted mode in XX/XX/XXXX. While in Restricted Mode, I was unable to access my account, use my card, or use the more than XXXX rewards miles I had accrued. At that time, I paid off all balances and could not provide the requested paperwork. My balance was XXXX. I never had missed a payment or made a late payment. 

In XX/XX/XXXX, my account was charged with a {$59.00} Capital One Member Fee. I was not warned that this charge would be coming nor was I aware of it. 

In XX/XX/XXXX, my account was charged with a {$25.00} Past Due Fee and an Interest Charge of {$1.00}.

In XX/XX/XXXX, my account was charged with a {$35.00} Past Due Fee and will be charged an interest fee.

In XX/XX/XXXX when I discovered these charges, I called Capital One. They said they could not warn me of the impending Member Fee, since my account was in Restricted Mode. They said they could not contact me, since they didn't have my updated paperwork ( although, my email had never changed ). I tried speaking with them to explain the aforementioned events, but they stated that this was their policy and there was nothing they could do. I then instructed them to close my account. In doing this, I forfeited the XXXX Rewards Miles. They said my balance remains and will be charged interest accordingly. I currently have a balance of {$12000.00} from the Past Due Fees and Member Fee on my restricted account.
I am able to get al my credit reports and information except Equifax. They say they are unable to recognize my social security number and have given me a lot of incorrect information. 
They won't assist me in fixing despite me explaining I've had 2 credit cards reporting my payments to them and having a 3 year old SSN.
On    XX/XX/XXXX   , I sen t American Financial Services  a letter and requested that they provide me a validation of debt, on this unknown account as per instructions from  XXXX  's dispute results letter dated   XXXX   XXXX    2017 I asked for proof that I am indeed the party they are asking to pa y this debt, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt.     I received a letter from  American Financial  dated   XX/XX/XXXX .  Their version of verifying this debt was a  one page  sheet as you can see, with the words *Validation of Debt Notice*. A client account number and a total balance. Telling me to contact the hospital directly.     If you received a notice like this in the mail, with just an amount due, would you pay it or would you question it? I 'm questioning it.     IF this account was mine, I most likely had insurance at the time and the insurance wouldve covered the charges. This account most likely also would be obsolete.     They way that I  see it, American Financial can  not furnish the requested information to me because if they do n't have it.
I recently pulled my credit report from Experian and XXXX and to my amazement, I saw credit card companies " XXXX XXXX '' and " XXXX Bank '' on my REPORT! I immediately disputed this information because I have not had a credit card since I filed Bankruptcy and the results of the investigation came back " verified '' and showing an incorrect / old mailing address that I have not lived at since XXXX 2013. I like to know /see what kinds of " records '' that was set up for me under these alleged accounts. So, I may file and report Identity Theft in accordance to the Fair Credit Reporting Act ( FCRA ) and any other Acts as the information furnish does not belong to me and they are required by law to notify me of any insertion of especially negative listings that go into my Credit Report.
This seems to be the only way you can respond to a response about an ongoing complaint I have read the response that was supplied to you by Wells Fargo. 

I have a number of issues with their response the first being they are asserting that I agreed to a 15 years mortgage over the phone, yet did you ask them to play this so called recording of my original conversation with them with my agreeing to this? I did and they refused to play it. I feel you should ask them to play it and if they do and they have not doctored it you will hear exactly what I have been saying all along that not only did n't I agree to anything I also asked if I signed the " The Request To Terminate Future Advances '' Sheet that I would not be bound to any mortgage. I was told yes I would not be bound to any program as you will hear on the recording. If they refuse to play it I think that speaks for itself and they should be found guilty of fraud. 

The second issue is I never received the letter dated XX/XX/2016 which supposedly was sent to me. The only letter I received in the mail during that time from Wells Fargo was the form to sign which I was told was to get further information on programs available, the form being " The Request To Terminate Future Services ''. When I asked XXXX XXXX when would I have received that XX/XX/XXXX letter he told me along with " The Request To Terminate Future Services ''. I did not receive that letter because it was never sent and if you look at the bottom of " The Request To Terminate Future Advances '' it says Pg 1 of 1. So if the letter of XX/XX/XXXX was sent with it I would think it would say page 1 of 2, with pg 2 being the letter or viceversa. 

It is common knowledge that Wells Fargo has taken the liberty to scam the public in a variety of ways. What has happened to us there is just no excuse for and it is criminal. To lie and try to manipulate people is wrong and we hope you require them to produce this so called recorded conversation.
Background Information : In XX/XX/XXXX, I hired a photographer, XXXX XXXX, for my wedding. Initially XXXX was booked for my original wedding date XX/XX/XXXX so she said that if I changed my wedding date, she would provide free 6 hours of videography. My husband and I agreed to move our wedding to XX/XX/XXXX, and we paid the deposit, {$400.00}, on XX/XX/XXXX. We paid {$1100.00} on XX/XX/XXXX and another {$1100.00} on XX/XX/XXXX. The invoice attached, # 137,  states 6 hours of wedding day coverage, 6 hours of video coverage, printing rights, online gallery, and a bridal session. 
After the wedding, XXXX stopped communicating, she lives in Idaho. She became difficult to reach and we did not receive sneak peek photos or anything until XX/XX/XXXX. I began inquiring about the video coverage but she either ignored my phone calls, stated she was in the process of moving or did not have internet. At one point she reminded me, per the contract, she had 8 weeks to deliver, XX/XX/XXXX, and she mentioned that she'd reach out as soon as the video was ready. 
On XX/XX/XXXX, when I still had not received the video coverage, I reached out and I received no response through text, email or phone calls. Since then she has not indicated that she is working on our project. XXXX XXXX does false advertising and doesn't complete projects within the contracts timeframe. If we knew that we would not receive the video then we would have gone with another company and kept our original wedding date. It seems as though she baited us with the incentive and never intended to complete such project. 
Reading XXXX reviews of her now, many other clients are stating the same thing and are pursuing legal action. She had done this multiple times to other clients. 
I sent a XXXX online complaint on XX/XX/XXXX but she refused to reply and XXXX   closed the complaint as a no reply from business, I reached out to Bank of America over the phone to attempt to get my money back as this was clearly fraud. Over the phone, in XX/XX/XXXX, the representative of Bank of America stated that because it had been over a year since the first transaction of {$400.00} ( XX/XX/XXXX ), she was unable to pursue the claim but she could pursue the other two claims on XX/XX/XXXX and XX/XX/XXXX. I understood that was fair and shortly after I received a credit for {$2300.00}. 
However on XX/XX/XXXX, I received a message from Bank of America stating the time frame for them to pursue this matter was closed, contradicting what was stated over the phone. Over the phone the representative stated they had a year to pursue the claim. It is unethical to contradict this statement especially in the face of fraud.
now I understand why the FCRA was made because these companies are full of abuse and only want to make money off of inaccurate information! I disputed twice with all XXXX bureaus and I had a few deletions but then they were reinserted on my file and I was never notified and they have to do it within 5 business days of reinsertion. Are they willing to sign an affidavit swearing under oath they sent me something? I get all of my mail and I received all the mail from them except for that. they did n't send me anything and by law they must remove it. not only that, but they did n't send me the procedure they used to verify these items and seeing my name on a screen does not qualify as verification. I asked for the documentation and they did n't provide it. they have a job to make certain that the information on my report is correct and not only that, they have to make sure that the info they receive from the creditors is correct and they did n't. I do n't know what this bankruyptcy is either and the only response is that it stays on my file 7-10 years. did I ask how long it stays on? No I did n't. I have already complained to the AG for my state and I will make a press release. they are treating me unfairly and are breaking the law! 

transunion reinsertion : XXXX XXXX XXXX
Equifax 's online system failed to temporarily lift my credit freeze, for both myself and my wife 's accounts using the valid XXXX digit pins we were previously issued. XXXX and XXXX both worked fine the first time. Additionally, Equifax has no alternative options on the weekend to lift the freeze and maintains limited phone support hours during the week. The last time I had to temporarily lift a credit freeze they also mis-managed the situation and made it difficult. 

Equifax is a poorly run credit bureau and I hope that they will cease conducting business and be replaced with a reasonably well managed and deserving alternative.
XXXX XXXX aka XXXX XXXX XXXX based out of XXXX XXXX, Colo. <P/>I had a pre approved by XXXX XXXX services rendered in XXXX of 2013, I have no access to XXXX any longer i am subsequently divorced from my military husband. XXXX initally paid on these charges then resended them due to my divorce. Paid my deductables at XXXX, I find 4 charges on my credit report from the same entitiy .. I called XXXX and they state we tried to bill you you never paid, I moved and funny all my other bills followed me. I say well lets see how we can work on this, nope, its with credit now. I look they have billed it 4 differernt ways under 2 separate " XXXX " renewed it under a different name.. <P/>I have sent letters to the credit company that is on line with the bills, the two entities of the company that began the billing process.
law enforcement systems did not send me a bill for the use of a bridge ( XXXX XXXX bridge ) I have payed once I seen it on my credit report nowthey will not remove it from my credit report what can I do to get this removedXXXX bridge did not have proof that they sent me a invoice they just sendit out with the u s mail and law enforcement systems never sent me a invoiceas well
I filed all paperwork to support my situation to the Loss Mitigation Department and they are stating I do not qualify for a modification. I lost my job in XXXX and was unemployed for almost 3 mths. I started the process of the application in XXXX and on XXXX XXXX, 2017 is when I was notified that they could n't help me. I 've had my home for 2 1/2 years payments always on time. My salary is lower. I do live in my house and wish to keep it just need help staying in my home. They seem to be unwilling to help. I 've asked about any other options and they stated unfortunately there 's nothing they can do. Please help!!!
In XX/XX/2017 my money order XXXX in the amount of XXXX was stolen. I did a trace for XXXX which o thought would help to get my monies back. This has not happened.
My debit card was duplicated and used fraudulently at a post office made  XXXX  money orders in the amount of {$4900.00} on   X/XX/2017 . I f iled a police report and a report with the postal inspector. Chase denied my claim first they said my card was used and swiped with my pin number because that day the machines were down to use my pin. I escalated the call now they are saying it was a chip on chip transaction. I filed another claim to reopen my case and now they are saying  XXXX  out of the  XXXX  transactions are correct. All the  XXXX  transactions were done at the same time all together. I asked them how is it possible to claim  XXXX  incorrect and not  XXXX  when the person did it all together.