WillisBack/dataset-financial-user-claim huggingface dataset:
PennyMac Mortgage offers a bi-weekly payment plan program to borrowers advertised as free. Intent of bi-weekly payment plans is to accelerate loan re-payment and substantial savings in interest for borrowers by effectively applying XXXX additional monthly payment per year. However, PennyMac ( and other lenders ) are taking advantage of borrowers and preying on their general lack of understanding of mortgages and principle balance interest rate accruals. PennyMacs ' practices take advantage of borrowers by not applying principle portions of the bi-weekly payments when they are received and holds them for two to three weeks while borrower accounts still accrue interest charges on the wrong principle balance. According to the fine print in the bi-weekly autopay agreement, they intentionally do this to profit the loan servicer as stated in Section XXXX, " I understand that Servicer may derive a benefit as a result of holding partial payments in its accounts during the period of time while a full payment has not yet been made. Any direct or indirect benefit that may be associated with any funds held in a partial account shall accrue to Servicer. I waive any right or any other related benefits that Servicer may receive. " Since my complaints, PennyMac also continues to not apply any additional payments I send in to the principle balance, when it is received - see attached. My additional payment of XXXX dollars was received on XXXX XXXX 2015. As of today, XXXX XXXX, it still has not been applied to the principle balance. I expect PennyMac to properly and promptly apply additional payments to principle when they are received. They actually pretend to not know how I want that additional payment applied! 
Lastly, and since my previous complaints, PennyMac has recently started blocking third party personal finance software ( like XXXX and XXXX ) from accessing my account and downloading balance and payment and payment history information. If it was n't for this software I would have never realized that PennyMac was mismanaging my principle payments and I would not have discovered strange 'inspection ' charges to my account without my knowledge or permission. I am a XXXX veteran, this is a VA mortgage, and PennyMac should be ashamed and embarrassed for their predatory and deceitful behavior.
shows a previous address that I NEVER received mail at, never was a resident.. Do n't even know anyone who has.
XXXX  and Equifax I have been in contact with both credit reporting companies numerous time regarding the fact that my social security number is incorrect. I have sent in my Identification Card as well to correct this issue. It has not been corrected and in return, I have had trouble getting a loan at the bank. I have went to the Social Security Administration and obtained an official letter stating that my social security number was correct and sent that as well. My credit information remains incorrect and neither company has made steps to fix this issue.
I purchased a car and used XXXX XXXX XXXX to finance the car. I had made all of my car payments on time when I had a catastrophic accident in where my car was totaled. My insurance company paid XXXX XXXX XXXX the balance owed on the car at the time of the accident in where the insurance company totaled out my car. I then got a collection letter from a third party notifying me that my account with XXXX XXXX XXXX was delinquent and I needed to make payment arrangements on said account. Once I was notified of this I contacted XXXX XXXX XXXX to have this issue addressed and to verify they had received payment of the balance owed from my insurance company at which time they confirmed they had. Once this was done I was told that I would have no more issues. I recently checked my credit report and found this not to be the case at which point I sent letters to each perspective bureau and one to XXXX XXXX XXXX. After 45 days XXXX XXXX XXXX hadn't responded to this issue and the two credit bureaus stated their investigation showed as completed and that I indeed owed the amount in which was reflected on my credit reports which is simply untrue. I am looking for your assistance in this matter. I have attached all the necessary items needed to clarify this most important of situations.
According to the statements I have received, I have account shortage of around XXXX. After looking at the numbers, it seems that the calculations are off. If you look at page XXXX of XXXX on attached document, from XXXX 2016 to XXXX 2016, the payment of actual ending balance does n't change ... .now it does change for XXXX 2016 because they said they are assuming I will pay, but it does n't change for XXXX 2016. On my most recent statement, the same issue occurred and I do n't know how far back they back doing this
My son has a private student loan that originated from XXXX XXXX XXXX and was serviced by American Education Services. I was the co-signer on the loan. I filed for XXXX XXXX bankruptcy in XXXX XXXX. All of my son 's student loans was in in-school deferment. AES allowed his loans to be in deferment for a short period of time at which time he had to pay the monthly installments. In XXXX XXXX my son 's started experiencing difficulty paying his loan. He sent payment of {$200.00} to AES for XXXX and requested assistance in lowing his payments. In the meantime AES was calling and emailing me several times during the time about him being 30 days late. He contacted them in XXXX XXXX asking that they discontinue contacting me because I was in bankruptcy and again requested assistance in a payment program he would manage. AES asked that they get a copy of my Letter to Creditor on the bankruptcy. When my son forward it to them on XXXX XXXX, XXXX about 3 weeks later, saw that his loan was first in deferment and when he reviewed the account in XXXX XXXX saw that it was listed as " defaulted ''. He sent an email to AES advising that he was not in default and requested several times for assistance. However, the only reply he received was an auto email message advising that they received his communication. No communication was sent to him advising as to why they placed his loans in default, no communication on who he could contact to resolve the issue. It was not until my bankruptcy was discharged in XXXX, that we XXXX received collection letters from XXXX XXXX XXXX XXXX XXXX XXXX XXXX that loans was in default and asking for full payment. The letter from collection agency reference that the loans was in default as of XXXX XXXX, XXXX ; which is not correct since my son made a payment on XXXX/XXXX/XXXX and was in active communication with AES up to XXXX XXXX. His account with AES was lock and gave him nor I any ability to pay on the loans. All of the other private loans thru XXXX XXXX and XXXX was placed on forbearance until my bankruptcy was discharged. We are now paying on those loans monthly. AES was the only one that decided to just put the loans on default without advising of any option to resolve or to pay on the loans. We had no one to communicate to. These loans were for undergraduate degree my son obtain from XXXX XXXX University in XXXX, Georgia.
I paid The amount requested just to clear it off my credit report but it is still showing on my report with the balance. The amount has not been XXXX out. Unable to get this resolved.
Experian refuses to unfreeze my credit report and score to allow for my mortgage lender to process my application. Their website does not recognize my correct personal information and therefore will not allow me to unfreeze it myself nor obtain a new PIN number. I contacted Experian directly and they claim that they can not issue me a new PIN except by mail ; which will take ten business days. Neither myself nor my lender have two weeks to wait for this PIN to arrive to process my loan. The Experian advised that there was nothing they can do to expedite this process. This refusal by Experian to provide immediate assistance to unfreeze my credit report and score has the potential to cause me to lose out on a loan for my home.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2015, XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
on XXXX applied and received a payday loan for the amount of {$400.00}. Repayment was scheduled for {$480.00} to come out on XXXX XXXX. Our account was one day off for direct deposit on XXXX. Payment was returned on XXXX. I went online and scheduled two payments corresponding with upcoming direct deposits totaling the new amount of {$520.00} now owed of {$260.00} each. XXXX for XXXX and XXXX for XXXX received confirmation numbers for each of the upcoming scheduled payments. 
I had no alerts or messages that I needed to advise anyone of these payments scheduled. 
on XXXX Cash Central debited {$520.00} along with the {$260.00} payment. I immediately contacted my financial institution to dispute the item for {$520.00} since the second payment was set to come out the XXXX for {$260.00}. 
I contacted Cash Central several times regarding the incident. Spent more than a total of two hours on the phone on hold, being transferred, on hold being transferred. sent documentation requested. spoke with XXXX on XXXX promised she would call me once the refund issued. double checks the {$520.00} and the two {$36.00} charges incurred due to the double posting would be refunded. 
called back on XXXX since I did not receive a return call. spoke with XXXX. told me XXXX was not in the office at this time and his supervisor was not available either. explained the situation. would not refund the two charges  that were caused totaling {$72.00} XXXX did receive the {$520.00} credit but no credit for fees incurred from their error. 
cancelled the dispute with my financial since Cash Central had issued credit. 
AWFUL CUSTOMER SERVICE- excessive transfers EXTREME WAIT TIMES- I am sure hoping I will go away just want the fees incurred for the double posting for the ridiculous loan I had to have during an emergency.
they keep calling me to get debt i do not owe. i couldnt understand the women she was talking too fast but she mentioned that the debt belongs to comcast. i do not owe comcast anything and comcast did not contact me about any debt issue.
I spoke with customer service and they would not help and take care of the negative inquiries on my credit report.
I entered into a 40 yr fixed mortgage with boa on XX/XX/XXXXXXXX.beginning in XXXX XX/XX/XXXX bank of america has not complied with the terms of the agreement. I have made all payments on time or early according to the agreement. Bank of america has charged me late fees and overdue charges for not receiving full payment. I have been in contact with several resolution specialist, the latest being XXXX XXXX. This rep has stopped calling on the agreed upon times. Boa is inappropriately applying my payments to interest and late charges and other fees that are not owed. I have all the documentation that this loan has always complied with the agreement and the boa states they are still trying to obtain the needed paperwork. This has been going on since XXXX of XX/XX/XXXX.My payments that are presently and historically been current with no late payments are being applied and then reversed according to my monthly statements. I have no way of knowing what is being applied correctly to principal .This has been going on since the inception of this loan, that began in XXXX of XXXX. This loan should be audited by this agency.
On XX/XX/2018 I sent a certified letter to Transunion asking to validate an account ( XXXX ) reporting negatively on my report. They responded with the account was verified but sent so validation paperwork. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that Transunion disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that is reporting in my credit report. Transunion has responded to my request by saying that these accounts have been verified. Transunion has not sent me copies of the documents that they have in their files that were used to validate these derogatory accounts. As required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties are damaging my reputation and credit worthiness. Transunion has ignored my request to provide me with the documents that their company have in their files that is used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I have sent certified letters asking Transunion reporting agency to VALIDATED these accounts with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL.
I HAVE BEEN ATTEMPTING TO OBTAIN MORTGAGE ASSISTANCE FROM MY SERVICER, NATIONSTAR. I SUBMITTED A PACKAGE TO NATIONSTAR WITH ALL DOCUMENTS REQUESTED. ABOUT ONE MONTH AGO I CALLED FOR STATUS ON THE PACKAGE AND WAS TOLD THAT THE FILE WAS IN REVIEW AND NO ADDITIONAL DOCUMENTS WERE NEEDED. SHORTLY AFTER I CALLED, I RECEIVED A DECLINE LETTER FOR MISSING DOCUMENTS. I BELIEVED THAT THIS MIGHT HAVE BEEN AN ISOLATED ERROR AND CALLED TO REQUEST ANOTHER MORTGAGE ASSISTANCE PACKAGE. I WAS TOLD SEVERAL TIMES THAT A PACKAGE HAD BEEN MAILED TO ME. IT WAS NEVER MAILED NOR RECEIVED. NATIONSTAR 'S ACTION APPEAR TO BE DELIBERATELY DEVIOUS. THE ONE THING THAT NATIONSTAR IS SUCCESSFUL AT ACCOMPLISHING IS SCHEDULING A FORECLOSURE SALE. THEY HAVE SCHEDULED MY PROPERTY FOR SALE ON XXXX/XXXX/2015.
These are NON Account inquiries, and I have requested deletion of them.
( 1 ) XXXX - XX/XX/XXXX - XXXX XXXX XXXX  XXXX, NH XXXX ( XXXX ) XXXX
( 2 ) XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX  ) XXXX.
( 3 XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX.
( 4 ) XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX  ( XXXX ) XXXX I contacted XXXX XXXX, XXXX XXXX XXXX/ about removing the following inquiries that resulted from credit limit increase requests made on line that did n't indicate Hard Inquiries would be done. I was told that I could dispute them with the credit bureaus without any affect to my account with them but I was told that I could n't by the Credit Bureaus. The following are the dates of the Inquiries on my report ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, &XX/XX/XXXX
Today I received a letter from Convergent Outsourcing, trying to collect money for a debt I paid off and had removed from my credit report years ago. When I called, I told the representative that the debt had been paid and that the statute of limitations had passed regardless. I asked for a supervisor and a fax number to send proof of payment and I was hung up on. This happened three more times, along with threats of arresting me and a court case pending. The debt was owed originally to XXXX, who I called to ensure I did n't owe anything further, which was confirmed. To be treated snidely and threatened even if I still owed would be inexcusable, but this is just plain XXXX and I ca n't imagine how many people have actually been bamboozled by these people. Please do something about this.
The lender has failed to respond to our QWR and Notice of error request sent on   X/XX/17  and  are proceeding to sale set fo r   XXXX   - the lender  is in violation of regulation  X-12 USC 2605 ( e ) ( 1 ) and the clients right  to counsel.
On XX/XX/XXXX I authorized payment of {$580.00} to HomePoint Financial to cover an anticipated increase in the amount of my monthly escrow payment. 

XX/XX/XXXX - My usual monthly electronic mortgage payment of {$2300.00} was debited from my checking account. 

Starting in XX/XX/XXXX my monthly bills indicated that my account was in suspense. I contacted HomePoint on numerous occasions and after I had made 3 or 4 phone calls it was escalated to a manager in XX/XX/XXXX who told me that my account would be taken out of suspense and the derogatory credit reports that they had submitted to the credit bureau would be withdrawn withn 30 days. I have not been able to confirm this at this time, however. Additionally, in XX/XX/XXXX Homepoint withdrew TWO mortgage payments from my bank account instead of just a single one on the dates below. 

XX/XX/XXXX - {$2400.00} XX/XX/XXXX - {$2400.00} I contacted Homepoint on XX/XX/XXXX and escalated it to a supervisor named XXXX, who told me that he would have to research exactly why the extra payment was deducted and if I had not pre-authorized the payment, they would issue me a check by mail. After I spoke with him I contacted my bank and had them attempt to stop payment on the XX/XX/XXXX payment which they were successful in doing. On XX/XX/XXXX I called Homepoint and talked to a male who gave his name as XXXX (? ) and asked him to notify XXXX that my bank had issued a stop payment. Nevertheless, on XX/XX/XXXX I received a check for {$2400.00} because Homepoint was in error in deducting the 2nd payment, I am holding the check in lieu of instructions from XXXX. On XX/XX/XXXX I received a letter from Homepoint requiring that I resubmit the payment for {$2400.00}. On XXXX I contacted Homepoint and was told by the female representative that my account was in arears {$2400.00} and that the charge was being reversed and would be taken from my escrow account! At that point I asked to be transferred to XXXX but he did not answer, so I left my name and number on his voicemail to call me. 

I can provide all bills, bank statements, call times, and letters to document and support this complaint. I am a XXXX veteran and this is a VA loan on my primary residence. I need the help of the CFPB to stop the predatory lender practices that HomePoint Financial is carrying out against me because of their own error, by their own admission, and to restore my credit so that I am no longer financially harmed by their predatory actions. 

Thank you in advance
XXXX, I am going to change my tone to a professional manner in hopes that you will personally correspond or respond in a proper manner.I have definitely not receive the level of customer service I had expected from BANK OF AMERICA, because all of my accounts do not total over a XXXX dollars! What is astounding to me is the fact that this is how you treat a PLATINUM PLUS level customer that falls into the 97 % of the accounts that make up the BULK in banks, such as Bank of Americana. A couple of weeks ago, I had two accounts compromised which I had emailed you several times, and never got a respond from you. Two days ago I had another account compromised, and I still did not hear from you to show that you even cared. Im letting you know that on Monday XX/XX/XXXX, I will be withdrawing my funds out of Bank of America.

Unsatisfied customer, XXXX XXXX XXXX
Hello, I XXXX my college XX/XX/XXXX, and during my four years my loan service provider was Navient. I began my repayments after my grace period ( XXXX, 2016 ). Since that time, I have received mixed data for how much my monthly payments are to the point I believe it is actually illegal ( I ca n't find federal regulations on this, but, a loan provider should tell its customers how much they are being charged before actually pulling the money, right? That just seems like common sense ... ). Browsing through my loan account summaries and payment options, I get varying values of monthly costs, and the variance is HUGE, we 're not talking pennies. Depending on the web page I view ( I have screenshots, but am wary about sharing them online to the public ) my " current payment due '' ranges by over {$100.00}. So, for example, looking at my statements for next month, looking at XXXX different web pages on the Navient site gives me XXXX different payments, which range from under {$200.00} to over {$300.00}. I even receive email notifications from Navient that I assume are treated as invoices. Out of the XXXX emails I have received so far ( XX/XX/XXXX-XX/XX/XXXX ), only XXXX of those invoices has actually reflected the amount of money withdrawn from my account at the end of the month automatically. There 's no consistency, and I 'm left worrying if my loan provider will leave me overdrawn on my payment date each month. I contacted them directly about the issue ( after my bank account was drafted more than their email said I would be in XX/XX/XXXX ). Their response : " Unfortunately, we were unable to re-create the information you viewed online when you logged in to your account on XXXX XXXX, 2016 ''. Well, I can recreate the issue. I can recreate it every single time I log into my account! I also have bank records and emails to validate that Navient has made it difficult for me to understand exactly how much will be pulled from my account each month by large amounts of money. It 's not honest or fair, and I very much doubt it 's legal. Has anyone else experienced similar issues? Here are the XXXX places that I can currently view different amounts I " owe '' or will be charged as " auto payments '' on my account. There is no indication anywhere which of these values will be deducted from my bank account each month, as they all use generic verbiage : 1. After I log in to my Navient account ( under myaccount.navient.com ), if I scroll down through the Account Summary page, I am given payment value A under " Recent Payments '' -- it 's an orange value that is given status " Auto Pay '' and sites the time of next month 's payment due date. 
2. After logging in, if I click the " go to previous website '' link under " More Options Online '' I am redirected to XXXX, which appears to be hosted by Navient. Here, I am given payment value B under " Current Payment Due ''. 
3. From the site visited by ( XXXX ) above, if I click on " Take Action On Your Loans '' XXXX " Change Your Payment '', I find payment value C under " Total Monthly Payment Amount ''.