WillisBack/dataset-financial-user-claim huggingface dataset:
Account # XXXX Property Address : XXXX XXXX XXXX, XXXX, MD XXXX This new Complaint is a rebuttal to Wells Fargo 's response to Complaint XXXX and others subsequent to it. 

Here I made two critical complaints, among many others. I complained that I was denied loan modification because my application showed ability to pay. I challenged Well Fargo that this was not a ground for denying loan modification. Notwithstanding this outrageous reason for denying loan modification, I confronted Wells Fargo with the actual reason for denying my modification application. I was told the real reason was the equity. When did Equity become a lawful ground for denying modification? Please ask Wells Fargo to explain why it used the equity in my home as a ground for denying loan modification. 

I learned that Wells Fargo used HTI ( Housing To Income Ratio ) to deny me loan modification. HTI uses gross income in making its calculation. My gross income when Wells Fargo denied my loan  modification in XXXX 2016 was {$11000.00}, half of which were business expenses. I am XXXX. Using HTI automatically disqualifies me or any other self-employee person because it gives a falls impression of my income. Had Wells Fargo deducted the business expenses, such as condo fees from the rental property and other costs, I would have fallen within the HTI approval range. It was using this voodoo method that Wells Fargo succeeded in stripping self-employed borrowers like me of their houses. They should go back and use my net income, not gross income.
Second, I complained that Well Fargo failed to credit my payments and that the loan balance was wrong. I have letters in which they denied that I made payments, then I confronted them with the evidence. Faced with the evidence, they said the payments were not credited because they were made pursuant to a modification trial plan. I challenged them that I was never granted a modification, let alone a trial plan. I want Wells Fargo to produce evidence of the loan modification that I signed upon which a trial plan was based. Unless Wells Fargo fabricates one, consistent with its corporate culture of fraud, none exist. Let Wells Fargo produce the evidence. I want Wells Fargo to explain why they failed to grant a loan modification after a trial plan, which they claim was where my monthly payments of more than {$70000.00} in the last three years went.
1 ) I am having issues/problems to pay my mortgage sinceXX/XX/XXXX. My mortgage company is MR. COOPER a/k/a Nation Star 2 ) With the help of NJ Citizen Action, we filed for Mortgage Modification and Mr. Cooper approved a TRIAL PERIOD on XX/XX/XXXX. ( Letter was received late on XX/XX/XXXX. However, I did the required payments for months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. ( see attached ) 3 ) On XX/XX/XXXX via email I express to Mr. Cooper the reasons I was not agreeing on signing the Contract with the modification ( see attached ). 
4 ) OnXX/XX/XXXX I sent a letter to Mr. Cooper inquiring about my modification ( see attached ) 5 ) On XX/XX/XXXX I sent a letter to Mr. Cooper again inquiring for detail as of how they applied my payments. ( see attached ). 
6 ) On XX/XX/XXXX I made another inquiring to Mr. Cooper ( see attached ). 
7 ) On XX/XX/XXXX NJ Citizen Action representative Mr. XXXX XXXX filed a second application for Mortgage Modification, and explain on it that my financial situation have been worsening due to loss of rental income. However, that if received a modification as presented before, I will be able to make the payments. 
8 ) On or around XX/XX/XXXX, I contacted Mr. Cooper, they claim that they never received the application for a Mortgage Modification filed on XX/XX/XXXX. Mr. XXXX XXXX proceed to re-filed ( see copy of email attached ) 9 ) On XX/XX/XXXX, I have a phone conversation with Mr. Cooper representative, when I inquired about the status of Mortgage Modification filed on XX/XX/XXXX and re-filed on XX/XX/XXXX She stated " Your application was denied on XX/XX/XXXX '' at which I replied " But I have not received any letter stating that '', She claim " oh yes a letter was sent '' ; my response was " I need a copy of that letter so I will be able to discussed with NJ Citizen Action Representative and make a decision as of how to proceed ''. 
10 ) On XX/XX/XXXX I received a letter from Mr. Cooper, DENYING the Mortgage Modification application with a PRE-DATED DATE OF XX/XX/XXXX and the reason for denial is " LOAN PREVIOUSLY MODIFIED ''. ( See attached ). 
11 ) This denial is a violation of my rights for two reasons. a ) Mr. Cooper did not informed me on a timely manner of their denial, they pre-dated a letter ; after using a very informal way of doing business ( a verbal notice via their representative ). 
b ) Their have not been a LOAN PREVIOUSLY MODIFIED. It was a Trial Period which I complied 100 % on. 
12 ) Mr. Cooper need to explain how monies paid to them are used in detail and stop their practice of responding only verbally to a serious legal matters.

The people involved in this matter are Myself, Mr.Cooper a/k/a Nation Star and NJ Citizen Action.
There are XXXX XXXX accounts that are listed on my credit report. Those accounts should be removed from my credit report as the last delinquency date is over 7 1/2 years old. Experian needs to delete all the XXXX accounts on my credit report.
Credit dispute with XXXX XXXX was submitted to Experian on XX/XX/XXXX. Experian 's web site for credit dispute status reflects my complaint with an estimated completion date of XX/XX/XXXX. To this very day, the status still indicates pending and I was never notified of the results. I called Experian today and spoke with XXXX ( ID # : XXXX ). XXXX informed me the investigation was completed on XX/XX/XXXX and could n't explain why Experian 's web site still indicates the investigation results are pending and why Experian failed to notify me of the results.
Hello, when I tried to go to XXXX XXXX thru their drive thru to ATM Machine to withdraw money by using my credit card Capital One cash advance for XXXX dollars in XXXX dollar bills but instead received {$15.00} in singles. A XXXX employee witnessed the transaction. They then called Capital One fraud department to report the transaction and they said they well reverse the transaction and only charge me {$15.00}, but then when I got the Capital One statement of bills, it is not showing the reversed transaction and still got charged of {$300.00} with {$3.00} transaction fee. I am also a XXXX customer with checking account. XXXX XXXXshould also be held responsible since the ATM machine is giving out wrong amount of money. I have been following this incident several times to both Banks, but until now it is not resolved. This happened on XX/XX/2015. If this could be resolved it would be greatly appreciated. Thank you
I 'm attempting to refinance a home equity line of credit with XXXX. XXXX pulled a property title report showing an unresolved lien from XXXX from XX/XX/XXXX as well as the current mortgage, which was acquired by XXXX in XX/XX/XXXX.
I e-mail 'd XXXX XX/XX/XXXX, to request the lien be released. I received an e-mail reply from an XXXX XXXX that this request had been prioritized with the Lien Release Team and would be completed in 30 business days.
OnXX/XX/XXXX, I e-mail 'd and requested a status. I received a reply from XXXX XXXX XXXX that the request would be completed in another 15 business days.
On XX/XX/XXXX, I spoke with a XXXX XXXX at XXXX, x XXXX, who told me the lien release request had supposedly been escalated after my last e-mail, and he would call me back within 1 business day. I never received a return call, nor has he responded to v-mails I 've left since.
On XX/XX/XXXX, I opened a complaint with the Delaware Attorney General 's Fraud and Consumer Protection Division and e-mail 'd XXXX and advised them I 've filed the complaint. I have not received any response from XXXX.
The AG 's office suggested I contact the CFPB.
The reason for the complaint is to try and cle The reason for the complaint is to try and gain clarity as to why Chase credit card services has continuous denied my request for a credit increase and interest rate reduction even though my credit score is currently above the XXXX 's. I have contacted Chase card services on more than one occasion and all I am told is due to my credit report however there is nothing negative on my credit report and I have recently purchased a home and have had my auto financed over five years and never a single late payment. I was informed by the representative that my request was being declined due to 17 late payments ; a shocker to me because I have chase setup on autopay for the due date and If they are having a difficult time with my payments why has no one ever contacted me. I asked a representative why has no one ever contacted me regarding the matter. The representative had no answer for that. I proceeded to tell the representative that I had paid Chase credit card services late on two occasions that I can recall and after that I enrolled in auto pay. so I am very confused where 17 times is comming from. My greatest desire would be to cancel the credit card without any damage occurring to my credit report. But I know that 's close to impossible and that is the only reason why I keep it. I feel obligated and frustrated with Chase credit card services and would not recommend them to anyone.
I received a letter from wells fargo stating that they apoligize for any negative information that has impacted my credit report this has been going on for 7 to 8 years and the send me a letter saying sorry when i am part of the class action lawsuit where they are ordered to financially compensate everyone that is apart of it .I am in XXXX late in life and i cant get the financial help i am eligible for because of this i cant get a loan i cant even qualify for a credit card. i always assumed it was for a few hospital bills never checking to see well my eyes are open now and i am not willing to let anyone else destroy me. i only want tobe treated fairly and not like i am going to accept them ruining my credit and send me a sorry letter and thats enough no it is not enough it just not iam starting with you to try and resolve this matter in a timely order its already gone on way to long i deserve to move on from this yes slowly but surly my report is clearing and my score is riseing but do you think its right that iam paying for their mistakes it was not even a mistake them employees knew what they where doing i am being denied eligible assistance for education because some one somewhere wanted a bonus please assist me in putting a end to this as soon as possible i need to continue my education thank you for your time
XX/XX/2018 a hail storm damaged the properties roof, homeowner filed a claim with his insurance provider, check was written from insurance company out to homeowner and mortgage carrier. Mortgage carrier asked for the check signed by the homeowner and the homeowner complied with that request. 

Reverse Mortgage Solutions has taken money from an insurance claim back in XX/XX/XXXX and still hasn't released the funds to start the project. The contractor has submitted everything necessary to have the funds released and has jumped through all the hoops back in the beginning of XX/XX/XXXX. RMS, has said multiple times that they will have the check out in the mail within 5 business days. 

XX/XX/2018, while on the phone with a representative of RMS the contractor submitted via email the 3rd party authorization & agreement to release, XXXX, a signed contract, itemized estimate, insurance scope, contractors license, contractors insurance. 

XX/XX/2018, contractor called RMS and needed to resubmit the same info from the XXXX of the month because the info given to the contractor was incorrect ( internal claim # and email address ). 

XX/XX/2018, the contractor called RMS again to confirm that RMS received the email sent on the XXXX. The info was received by RMS and the representative said the funds were to be released in 5-7 business  days. 

XX/XX/2018, contractor called RMS to see if funds were released yet and they said a delayed occurred and it would take another 5-7 business days before the funds would get released. 

XX/XX/2018, contractor called RMS again and funds still haven't been released. Contractor asked to speak to manager, manager called back a few hours later and requested documents that were already sent in. The contractor told the manager of RMS to check the email sent in on the XXXX of the month and he would find it, manager of RMS found the documents and said the check would be in the mail in 5-7 business days. 

In the later weeks in XX/XX/XXXX the home owner and daughter called and RMS said the check would be in the mail in a few days and that they would have it in about 14 business days. 

XX/XX/2018, contractor called RMS asking for a status on the funds for the project, the funds have still not been released and that it will take another 5-7 business days before they can cut the check. The contractor then informed RMS that a new problem has developed because the company has delayed releasing the funds, a leak in a bathroom has started. 
A manager with RMS told the contractor that the home owner should file a claim with the insurance company. 
The contractor told the manager with RMS that the leak has developed because of the RMS 's negligence and that it isn't right that the homeowner should have to file another claim or pay another deductible because he did everything possible to mitigate the damage and move the project forward. In fact, the responsibility is on RMS because of the obstacles that they put in place in this process and their purposeful withholding of the projects funding.
On XXXX XXXX, XXXX I ordered cabinets at XXXX 's XXXX XXXX in XXXX, NJ. XXXX XXXX, the kitchen representative at the XXXX XXXX XXXX told me about a promotion that XXXX XXXX was offering for 18 months interest free financing. I applied for the financing and was approved. He then told me that the bill may say that the interest free period is only for 6 months but he would be able to obtain an extension. He then called XXXX at the XXXX XXXX XXXX XXXX at XXXX PM on XXXX XXXX, XXXX and was told that by the XXXX bill the extension would go from 6 months to 18 months. 
Apparently the extension was never processed properly and my interest free period expires today, XXXX XXXX, XXXX. I contacted customer service as well as the " Executive Customer Service '' team at XXXX XXXX several times over the past 6 months. They responded by saying " Our office can not authorize this. '' I will now be charged interest from XXXX XXXX, XXXX to the present. Unfortunately I can not afford to pay off the balance and this additional interest is an enormous financial hardship for me. Especially one month before XXXX. And to add insult to the situation my kitchen project is still not complete. 
Please do not trust XXXX XXXX for any financing or XXXX XXXX needs.
I disputed in XX/XX/XXXX and requested debt validation with Transworld Systems Inc they are reporting on all 3 credit bureaus as an open collection from XXXX, XXXX is not on my credit report. After I disputed and requested debt validation they sent me a letter dated XX/XX/XXXX with a bill from XXXX which means this debt is XXXX XXXX XXXX and it's reporting on my credit report as open in XXXX making it appear as an newer debt than older debt. Also they sent me which appears to be a final bill as debt validation, that is not proper debt validation. I need proof this debt is mine and this debt is also from XXXX which means it's 7 years old. They are reporting inaccurate information and I'm not sure this debt is mine being that is from XXXX.
On or about XXXX/XXXX/15, I noticed a pending charge on my American Express card that I did not make. AMEX gives the consumer the option to 'mark ' a pending charge to be watched. My note indicated that the charge was fraudulent. Once it posted, I again, contacted AMEX to tell them about the fraudulent charge. They told me that I was n't responsible for the charge. I spoke to another person in the fraud department earlier this week, who assured me that once my billing period closed, the charge would be removed. Not only did they not do as they said they would do, but I just received my XXXX statement and the charge is still there. AMEX refuses to listen to the consumer and is deceptively telling them they are n't responsible for the charges. Because this charge is for a merchant that many people do business with ( XXXX ), many people may overlook it when someone fraudulently compromises their credit card. 

AMEX uses unfair and deceptive practices when they REFUSE to remove a charge that the consumer says is fraudulent. I 've marked the charge for inquiry, disputed the charge, all to no avail. I 've even told them I would file this complaint if they did n't remove the charge. They are either incompetent or are so arrogant to think the consumer is an idiot and will just pay the bill.
Over the last seven months XXXX has reported major increases to my student loans and then major decreases the next month. They are faslie reporting the accuracy of my student loans. I noticed the first increase at the end of XX/XX/2018 in the amount of {$700.00} dollars. I'm not sure how that is even possible. Then for the month of XX/XX/2018 it shows a decrease of {$690.00} dollars. And today XX/XX/XXXX I checked my transunion credit report and they are now show an increase of {$670.00}!!! While each month I have made {$55.00} dollar payments. Only a few days after noticing each of these odd reports, they disappear. I have taken screen shots of each one that I have noticed, which I check my report like 5 times a week through XXXX XXXX. These false reports are effect my credit rating!!! I am contact them, my state attorney Generals office and a local attorney. I know XXXX has been in hot water over all their shisty behavior and I can prove what they have been doing to me! I have documentation!!!
I missed a XXXX XXXX flight due to late cruise ship arrival at XXXX On Saturday XXXX XXXX, 2016. I could not call and I did not expect a refund. That day I called to make a new reservation for the following day. I then called hotels and found they we all booked due to weather issues. I immediately called back Spirit to cancel the reservation and was told that I could not because it was less than seven days since I made the reservation. Well that was obvious. I argued to no avail. I later found out that I could cancel the reservation within seven days as per XXXX XXXX on-line cancellation policy, see attached document. I then called and spoke to a Capital One reservation agent and described my plight the agent, name XXXX, Operator Number XXXX she assured me I would not get charged. I was subsequently was charged and disputed the charge see attached document dated XXXX XXXX, 2016. The charge was subsequently reversed. I was notified there was additional information from XXXX XXXX by Capital One on XXXX XXXX, 2016, but I did not receive any additional information until XXXX XXXX, 2016. Capital One stated that they were recharging me the {$490.00}. The letter XXXX XXXX sent see attached is completely untrue and they failed to follow their own policy. I received a letter on XXXX XXXX, from Capital One that completely ignored the issues I outlined in XXXX XXXX XXXX 2016 letter to them and they closed the case. Capital One did not follow required guidelines in resolving my complaint. The issue was not resolved within 2 billing periods as required by law. I have never felt so aggrieved by XXXX companies as I do these XXXX. Please help me to remove the charge from my account. 
Sincerely, XXXX XXXX
I am writing this letter to get a meaningful resolution to my continuing issues with Wells Fargo Bank. This has been going on since XX/XX/XXXX. They have lied in court and on an affidavit and at least one case my checks was processed without an image to verify that the check was processed correctly ( it was scanned- I was told by my Bank representative ). After this happened I started sending my payments electronically, which I originally had done at the beginning of the loan. 
I had to write the FBI along with contacting The Federal Reserve Consumer Division even to get a printout of payments made to Wells Fargo Bank from Wells Fargo Bank. I got the printout in XX/XX/XXXX. 

Wells Fargo had required test payments to be made by mail and they started out wanting the payments to be made by mail in check each month beginning in XX/XX/XXXX and ending in XX/XX/XXXX by Wells Fargo Bank refusing payment in XX/XX/XXXX. When we went to court in XX/XX/XXXX, Wells Fargo claimed that they had not received payments, but that was proven to be a lie with me presenting my Bank statements. The next test period that Wells Fargo wanted, I refused to mail in the the payments but instead I made them electronically. Again Wells Fargo Bank refused the payment. Again, Wells Fargo claimed they were not being paid and then I requested from my Bank a printout of all payments. The printout was submitted in my affidavit in XX/XX/XXXX. The payments that were paid to Wells Fargo per their instructions was followed but I had not paid through regular mail in check. 

The payments that Wells Fargo received in XX/XX/XXXX before their original filing by them for a foreclose in XX/XX/XXXX. Wells Fargo had claimed that they had not received these payments. Proven false, and by finally getting a printout from Wells Fargo Bank in XX/XX/XXXX, that they had received payments. Those payments were placed in the Florida unclaimed funds account and I received notification of this by independent accountants writing me by mail. The notification of the funds being available was this year XX/XX/XXXX. 

I have tried to pay Wells Fargo and bring the mortgage back on track, but Wells Fargo has continually refused payments, even when they were negotiated. Wells Fargo has issued false claims and lied in court too. One more thing, Wells Fargo in XX/XX/XXXX sent an agreement that tacked on {$40000.00} without an explanation and it came after the letter to the FBI. 
Thank you and your office for any help that can be given in this matter.
Good Morning. 
My name is XXXX XXXX. I am writing this letter on behalf of my wife, XXXX XXXX and me. 
PROBLEM : We are filing a complaint against Southwest Funding due to unethical lending practices. Southwest Funding in XXXX, TN provided us with a Pre-Approval Letter for the Buyer of our home and assured us the Buyer could close in less than 30 days. It took over three months to close due to Borrower having credit issues that were not disclosed to us. In addition, we had to sign XXXX extensions for this Borrower and lost the contract on the home my wife and I were purchasing. I am attaching a formal letter of complaint because I have been living in a hotel for over six weeks due to the Swiss Cheese Letter of Approval provided by Southwest Funding. Manger of Southwest Funding is XXXX XXXX 

My cell is XXXX and my email address is XXXXXXXXXXXX ( Please do not post my cell phone or em address on a public forum.
Bank of America is reporting Suspected Fraud Activity on XXXX and this is not accurate. I would like to dispute this and have it removed from XXXX. This was reported on XXXX/XXXX/2013 with a charge off amount of {$98.00} which is not accurate.