WillisBack/dataset-financial-user-claim huggingface dataset:
After years of attempting to obtain a loan modification, Selene Finance approved the request for a three month trial modification starting XX/XX/XXXX through XX/XX/XXXX. I made all the payments on time then received the permanent modification which required my ex-husband, XXXX XXXX XXXX to sign the agreement. I called Selene and explained that this loan originated XX/XX/XXXX and the divorce was finalized XX/XX/XXXX, XXXX is not on the note or the mortgage. Also, XXXX does not have the property address for safety reasons which is the entire reason I use a XXXX XXXX so XXXX does not know where to find me.
Selene Finance advised me that XXXX signed the security instrument which means he has rights to the property. This is not the case as I even sent Selene Finance the closing documents from this loan origination that does not reference XXXX ; s name at all and even states not married. I know XXXX only signed a document stating he would not come after the house after the divorce since the county can take a few months to record the divorce documents.
Selene Finance called me back and they are requiring a copy of the complete, filed and recorded divorce decree showing who the property was awarded to. On XX/XX/XXXX, I emailed Selene Finance the attached documents to show XXXX XXXX XXXX has no interest in this subject property. The divorce was finalized XX/XX/XXXXand his whereabouts are unknown:1. Copy of the deed showing XXXX XXXX  only. XXXX XXXX XXXX was never on the deed.
2. Final judgement of divorce showing there was no property to award since XXXX XXXX purchased the property XX/XX/XXXX at the end of the divorce process which was finalizedXX/XX/XXXX. 3. Copy of closing documents at the time of this loan origination showing instructions not including or referencing XXXX XXXX XXXX.
I was told, even after these documents were reviewed onXX/XX/XXXX, XXXX is still required to sign the documents and the loan can not be permanently modified without his signature.
I have a problem with a loan I got in XXXX XXXX, and subsequently refinanced again in a later date. Now about six months ago I found out that there are still XXXX outstanding liens from this transaction on my property. Also in XXXX the hat a wildfire come through and burned my house and most my records. This loan from XXXX was financed by Bank of America and I 've been working with Bank of America for six months or more and they are on able or unwilling to give me any pertinent information. These liens on my property from the prior owner causes me great financial trouble, I can not get in equity line of credit or sell the property lists these XXXX outstanding liens present. Thank you very much XXXX XXXX
After a recent divorce, I am under court order to sell the marital home or refinance entirely in my name. Because the property is currently worth {$50000.00} less than we owe on it refinancing is out of the question and a short sale is necessary. Let me be clear, as of this date I am current on my payments. My ex-husband and I have worked hard to meet our financial obligations and to minimize the disruptions to our children 's lives brought on by the divorce. At this time it is necessary to sell our home. We are no longer economically able to continue to support this debt and are trying to be as responsible as possible in resolving the sale of our property. We have an offer to purchase our home that we have submitted to the bank. Ocwen has drug their feet throughout the entire process. I have had to submit documents multiple times. I have received conflicting and inaccurate information about what documents have been received and which are still required. Every time I have sent them the documents they have requested they come back and ask for another XXXX or ask me to resend what I have already submitted. My offer has been with Ocwen for weeks and has yet to be submitted tot their " Investor, " in my case XXXX XXXX. I feel because we are not in default they have no incentive whatsoever to work to resolve our case. Their " Relationship Managers '' have XXXX authority to answer any meaningful questions about what will happen with my loan. All they can do is collect my documents, and they do n't even do that efficiently, and send them on to " their investor. '' XXXX can not escalate to a supervisor or file a complaint in any fashion. There is no way to contact or speak with the mythical " Investor. '' It has been the highest, broadest, thickest stone wall I have ever encountered in my experience as a consumer. There is no recourse whatsoever. This is a government regulated industry where banks operate with impunity at obscene profit. I have little hope that this forum will offer any assistance but I have made an attempt.
On XXXX XXXX, XXXX I was locked out of my coinbase / XXXX account in the middle of a transaction for no known reason. I have been on hold with coinbase for a total of ten hours. The first time someone answered they hung up on me. The second time someone answered she told me she would escalate my case to a ten on a scale of one to ten and they ask to correspond through email. No one answers my emails so I held on the phone today for another hour. I was told by XXXX that there was nothing she could do because she didnt have a phone number for the account escalation department and if she emailed them it would kick me out of line and I would have to start over. They are holding my money for no reason for two weeks now. Oh, and XXXX Answer was unacceptable to me so I told her I would hold so she could find out how to call this other department and she just hung up on me too.
Freedom Mortgage Company has lost and otherwise misapplied three of my mortgage payments over the course of the past six months, the most recent payment being my XXXX 2016 mortgage payment which was made on XXXX XXXX, 2016 and received on XXXX XXXX, 2016. 

Despite repeated attempts to locate my payment and sending proof of the payment by my bank to Freedom Mortgage, they continue to call me daily, send me threatening letters with late charges assessed and harass me. Most importantly, they are incompetent in servicing my mortgage loan. They have cost me countless hours of phone calls, waiting on hold and passing me from person to person without providing any answers as to the whereabouts of my payment. 

After calling them every day this week, they are telling me at the 11th hour that my bank sent the payment electronically and they ( suddenly and without notice ) are telling me that they " do not accept electronic payments ''. The only method for payment instruction that my banking institution ( XXXX XXXX XXXX ) has for them is to send the payment electronically. 

Now, after waiting an entire week, they are telling me that I have to go back to my bank and get them to track down the lost payment. 

All of this is beyond frustrating and not the first time that this has happened to me in my less than 2 years of having a loan with this incompetent company. They should be fined and put out of business. 

My next course of action is going to be to refinance this loan with another bank to get rid of them. I have the luxury of being able to do that. Many other consumers may not have the same ability. 

They are awful!
RUSHMORE STATES THAT THEY RESPONDED TO NUMEROUS COMPLAINTS THEY FAIL TO MENTION THAT THEY JUST PICK AND CHOOSE WHICH PARTS OF THE COMPLAINT THEY ADDRESS 1 ) THEY SOLD MY HOME FOR {$100.00} TO XXXX XXXX APPRAISAL IS OVER {$350000.00} AMOUNT OWED IS BETWEEN {$220000.00} AND {$260000.00} 2 ) THEY SENT PAYOFF LETTER THE DAY OF THE SALE AND STATED IT WAS GOOD UNTIL XX/XX/2018. WHEN I CALLED REGARDING THE LETTER BEFORE XX/XX/2018 THEY STATED SORRY HOUSE IS SOLD LETTER IS IRRELEVANT 3 ) ALL PAPERWORK WAS NEVER SERVED ON XXXX XXXX ( LACK OF JURISDICTION ) 4 ) PAYOFF AMOUNTS ARE NOT THE SAME ON ANY PAPERWORK LAWYERS HAVE ONE AMOUNT RUSHMORE ANOTHER AND THEY DISREGARDED ALL REQUESTS TO EXPLAIN 5 ) THE MODIFICATION PAPERWORK WAS IRRELEVANT AND A JOKE THAT THEY OFFERED IT BECAUSE AS STATED IN THEIR OWN LETTER THEY DO NOT OFFER MODIFICATIONS FOR HOMES AS DELINQUENT AS MINE ANY MODIFICATION OFFER WAS FRAUDULENT BECAUSE THEY KNEW THEY WERE NOT GOING TO ACCEPT IT. 

6 ) ALL ASSIGNMENTS ON THE MORTGAGES ARE FRAUDULENT. THEIR OWN ATTORNEY STATES IN CORRESPONDENCE THEY DO NOT EVEN KNOW WHERE THE NOTE IS. 

HOMEOWNERS NEED TO LOOK AT THE REFEREE DEEDS AFTER THE SALES TO SEE WHAT THEIR HOMES ARE BEING SOLD FOR
Have been attempting to transition my student loans which are under the Federal Loan Forgiveness Program transitioned to a different Income Based Repayment Plan since XX/XX/XXXX. Since then they have been charging greater than the discretionary 10 % of income set by the federal government, persistently not processing my application, and continually showing my account past due. Thus in order to protect my credit I persistently call and continue to make payments. I 've been keeping records of phone calls over the past couple of months with employee names and ID # 's. At this point seems they are not willing to transition my loans to the desired Income Based Repayment Plan, which I thought was against the law as these are federal loans? This has now placed XXXX, XXXX, and negatively affecting not only my credit but my ability to provide for my family as we transition from one state to the next for my upcoming XXXX in XXXX. I desire to pay my loans! I desire to pay them off early! Though in the meantime I need a loan provider who is not going to charge me more than the federally allotted discretionary income of 10 % and be willing to transition my loans into a qualified repayment plan as I desire. 

This complaint, written on XX/XX/XXXX at XXXX Eastern time zone, is being filed with todays documented conversation with Fedloan Servicing.
I was/am a victim in equifax credit information breach. Per equifax ' web check system my information was compromised. On XXXX/XXXX/XXXX I was given a future date of XXXX/XXXX/XXXX to enroll in trusted prime ID. A full 5 days after they *acknowledged* my personal information was compromised. 
I have put a fraud alert on my account for the next 90 days but have no idea what the far reaching impact of this will be. The cost for ongoing credit monitoring, the tangle of time for future paperwork/procedure processing. Those are the " easy '' things I 'm going to have to deal with. The cost and time-suck should my information be used is unimaginable to me. 
The exposure of my most vital personal information is my worst nightmare.
I began using a debt consolidator who I gave my limited power of attorney. The company also sent a cease and desist order for these lenders to speak directly to them to negotiate my settlements and prevent them from calling my place of employment. The calls to my job and references have not stopped. My debt consolidator company advised me to reach out to you as well.
collection agency sent a letter demanding payment for alleged amount I do n't own to auto insurance company. I sent a letter with notice of dispute and requested verification of debt. In response i receive a letter from collection agency that stated " documents can be requested from debtor by contacting the customer service center ''. This does not comply with requirement of debt verification under state and federal law.
RE : Experian & XXXX Reporting To Whom it May Concern : I have filed 4 credit disputes with the above referenced agencies regarding erroneous information. All I have received is a statement stating they have checked and confirmed the existence of and correctness of stated report. 
They have failed to prove the listing reporting debt holder is the owner of debt. 
They have failed to show me the debt is mine and that the debt exists. 
Lastly, they do not accurately include my statements of the disputed information. 
These actions have caused me significant harm and cost during the past 18 months. My attorney is preparing legal action against all parties, but recommended that I contact the appropriate government authorities prior to my legal actions against the parties. 
I would greatly appreciate substantial assistance in this important matter. I know I am not the only person who has suffered at the hands of improper and / or illegal reporting of alleged debts. 
I have over {$30000.00} in outstanding debt and more than {$150000.00} in prior debt properly paid, however, their system is incorrectly stating I have a {$19.00} balance owning to XXXX and another {$1000.00} to some XXXX/XXXX company. Experian is also showing a debt to some debt collector agency neither Experian nor this XXXX are able to establish that I am the debtor, nor that either are the owners of this alleged debt. This is unacceptable. 
Please Help. Thanks Very Much. 
Sincerely, XXXX XXXX
Santander makes it impossible to close a bank account with them. I attempted to close my bank account by sending an email to Santander requesting my account to be closed, however they stated that they can not do this via email and would have to call. I then called them on their banking phone number and they told me that the " Bank Account Closing Department '' was closed, despite it listed as being open 7 days a week on their website here : XXXX Not closing my account after repeated requests is a violation of consumer protection laws, and I am now demanding that Santander close my account, unless they want to be taken to court for willful negligence. This is the worst experience that i 've ever had with a banking institution, and with these practices, I do n't see how they have n't been sued already.
I was denied from opening a credit card with chase. Although I have never missed a payment, have over 6 years of average credit and have a 0 balance on over {$10000.00} of available credit. 

My income is over {$100000.00}. Am I being denied because of the zip code i live in?
I wanted to purchase a XXXX indoor training bike for my wife before XXXX last year and was encouraged to use the " instant credit '' application on the XXXX web site. I did so and it has been a nightmare ever since. 

It was not instant credit - took several days - and I never received the card I was promised. I did not get the purchase made for XXXX due to all the problems. 

I visited a XXXX store in XXXX a few weeks ago and purchase the bike using the XXXX account through XXXX XXXXXXXX. 

A couple of days later, I received an alert from a credit bureau indicating that my credit score had dropped by 100 points!! When I inquired, I was told it was because my Peloton/Synchrony account had been, " closed by credit grantor '' and this was considered a negative for my credit. 

I inquired and was told that XXXX was no longer doing business with Synchrony, causing Synchrony to indicate " account closed by Grantor '' for all open accounts with XXXX, regardless of whether they were past due or current.
On XX/XX/18 two payments were made accidently to my mortgage company by me. One was for {$1000.00} which is the full mortgage amount and the other one was {$550.00} which is half my mortgage. I called them immediately to notify them I would need the {$1000.00} credited back to my account as this was an accidental payment on my part & that I would be paying split payments for {$550.00} each. 

I was given instructions on how to request this amount back in writing and I sent the fax in right away. 

That was XX/XX/18, today is XX/XX/18 and I am still waiting for my money. I have talked to numerous staff members, as I have called daily & several Supervisor 's. Each time I call, I am given different information. I chose this company because I am a Veteran and was told they " take care of their Vets ''. I am extremely disappointed in my dealings with this company.
In light of the Wells Fargo scam I want to address the fact I was scammed for employment through XXXX in an offer to be a secret shopper. I had just lost my job and the money I lost was a mortgage payment. 

This was all in conjunction with XXXX prepaid cards that loaded funds through Wells Fargo accounts that I found were flagged and should not have been processing " bad checks '' on fake accounts. 

When I originally inquired about a {$3200.00} check I received, I found all it was all connected through false checks. After filing a police report and visiting my local branch and finding this Wells Fargo account was flagged after the check was cashed, the bank manager even said nothing should have been processed with all the flags on this particular account. 

I then wrote Wells Fargo CEO XXXX XXXX who just stepped down over the revelation of fake accounts only to hear sorry you were the victim of a scam. 

The branch knew that check should of have never been cashed because of all the notes on it and proceeded to cash it anyway to take funds from unsuspecting people thinking they were gaining employment. I would like to receive my reimbursement since this scam has come to light and I have every stitch of paperwork to back it all up. Thank you.
Representatives advised that she was taking a payment on XXXX/XXXX/16 And then sent me a document stating she had taken the payment today. When I called back advising she stated that she was not aware that she took it even though the paperwork clearly stated today 's date.
I opened a 5/3 XXXX credit card on XX/XX/XXXX which gave me 0 % interest on initial balance transfers and purchases for 12 months. 

I have made multiple payments during billing cycles on several occasions and the account is in good standing with no late payments or fraudulent activity. 

Upon logging on XX/XX/XXXX to make a payment my account was inaccessible. I contacted costumer service and after talking to the fourth representative I was told that the account was closed and the credit card was revoked on XX/XX/XXXX due to potential fraud for all users of this card type in California. 

I have automatic payments set up on this credit card and have made all of my payments online through the internet banking portal, these have now been deactivated and I am now required to make payments over the phone or through mail. 

I am also not able to make purchases for the remaining three and half months I have left at the 0 % interest rate.
A vehicle I had leased through Chrysler Capital was wrongly repossessed without warning though I had no overdue payments and had already received, signed, and returned a lease extension authorization, extending my lease until XXXX XXXX, XXXX. My car was repossessed on XXXX XXXX of XXXX, despite multiple phone calls from/to Chrysler ( from XXXX XXXX ) stating that my lease extension agreement had been received signed and that I had " nothing to worry about. '' The wrongful repossession appears to be due to Chrysler 's inability to communicate between departments and technical deficiencies on the part of Chrysler to access their own documents. I was given verbal confirmation, multiple times, that there would be no penalty for extending my lease, and then my car was repossessed without warning. Had Chrysler told me anything different I would have been glad to return the car on the date stated on my original lease agreement, but instead they took the car and sent me a bill for over {$20000.00}. I am young and just getting my career off the ground and this may severely damage my credit, though I never missed a payment and was in constant communication with Chrysler toward the end of my original lease date.
Well on  XXXX / XXXX /2017 I made a payment arrangement from the bank of America bank on   XXXX   XXXX   Florida to pay my rent by automatic payment. has never been taken out of my account resulting in late fees from my landlord. Been lied to as first agent on  XXXX / XXXX /2017 says that it is there but its to early will be paid. then the second agent says its being paid today. then the third agent says she does not even see it but even have a letter from bank verifying it was done. Am very upset and not happy at all. This is totally uncalled for and get different story. And I have written proof it was done. Now they are saying they do not even see it at all being done but yet the first two agents said it was showing on my account. this is very unacceptable causing me more money. From the bank incompentace.
Linebarger, Goggan, Blair & Sampson, XXXX XXXX, XXXX  XXXX XXXX  XXXX, NY XXXX. Sent a letter on XX/XX/2018 claiming that {$55.00} was owed on behalf of the New York State XXXX XXXX for a trip over the XXXX XXXX XXXX. The notice does not specify the date of the supposed trip. The {$55.00} dollar amount consists of the fee of {$5.00} plus a {$50.00} late fee. I never received any notice of the original {$5.00} fee and I can not therefore determine whether I am being billed for a trip that even occurred. Also, since I did not receive the initial bill I should not be subject to an arbitraryu imposed late fee that is 20 times the amount of the supposed underlying unpaid debt.

When I called to attempt to discuss this with the law firms collection agent, he was condescending and dismissive of any attempt to discuss the validity of the supposed debt and insisted that unless payment of the full amount claimed to be owing was required or I would not be able to register my car. I dont live in live in New York State and I am fairly certain New York State has zero ability to restrict my ability to register my vehicle in my state. I believe this statement to be a material falsehood and an effort to bully and intimidate me into paying an illegitimate and overinflated debt.
I have attempted numerous times over the course of my student loans to discuss with XXXX/Navient an affordable payment plan. The first few times I was quickly suggested into 'deferment, ' and told I would receive paperwork for an income-based repayment plan, which was never received. Each call resulted in the same discussion ... my payments were based on my GROSS income, not factoring in any cost of living expenses. The payments were unaffordable. I even remarked at how they would rather receive nothing from me instead of making accommodations that at least allow me to pay SOMETHING monthly. Out of sheer frustration I just quit dealing with the customer service, as I was told something different every time I called, with no flexibility whatsoever when it came to payment plans. I finally worked with someone at a financial institution who called on my behalf, and was then told my only option for lowering payments was consolidation. At this point, my accumulated interest has nearly doubled my loans, and consolidation is difficult due to the hit this has taken on my credit score. I am working with a financial institution to hopefully consolidate and obtain a payment plan that I can afford while still affording the cost of basic living. I am beyond frustrated and stressed at how these loans have affected my financial health and ability to maintain a decent credit score. When I call Navient now, I am in default and have to make an exorbitant payment to catch up, which also is not feasible. The inflexibility of this company and customer service is beyond reprehensible, especially given the impact these loans have on someone 's credit score, financial state, and overall life affordability. It is n't that I do not want to pay, I WANT TO PAY ... but simply can not at the price they suggest I can. I have made it more than clear to Navient my willingness to pay, and they have made it frustrating and difficult .... actually impossible, to do so. I am nervous they will cause difficulties with my consolidation due to the status of my loans, which would create an even worse situation for me financially, as consolidation actually provides an affordable payment option for me.