WillisBack/dataset-financial-user-claim huggingface dataset:
I have a loan modification under HAMP. IndyMac was servicing the loan and transferred it to Ocwen two - three years ago. Under the terms of my loan, my interest rate goes up one percentage point every year until it maxes out at 5 % for the rest of the life of my loan. My interest rate started at 2 % for the first five years of my loan. When the interest rate went to 3 % in 2015, Ocwen, not only increased my payment to cover the interest rate increase, they reamortized my loan and took an additional {$150.00}. - to {$200.00}. per month of my principal reduction amount and applied it to the interest. They did the same thing when my interest went to 4 %. They are RESETTING my loan, CHANGING THE TERMS and VIOLATING TRUTH IN LENDING LAWS. Every time the interest rate changes, per the terms of my HAMP modification, Ocwen increases my payment to cove the interest rate increase. This is spelled out in my documents. HOWEVER, there is no DISCLOSURE that my loan amortization will be reset ( my principal reduction amount is reduced by {$200.00}. per month ) and that they will take an additional few hundred dollars of the principal and charge it off as additional interest on my loan. 
They are violating the terms of my HAMP modification, there is no disclosure, they are double-dipping on the interest by stealing from my monthly principal reduction amount and I should be entitled to damages. I have called them numerous times and they continue to tell me my payments are applied correctly and sent me a copy of my HAMP documents ( which I already have ). 

If they are doing this on my loan, they are doing it on thousands of loans. I need consumer protections because I believe they are in serious violation of disclosure laws and have changed the terms of my HAMP modification.
US BANK IS REFUSING ME TO ACTIVATE MY VISA DEBT CARD VIA XXXX XXXX I NEVER SPOKE WITH THE REP NAMED XXXX XXXX I NEVER EVER SPOKE WITH HER ON THE PHONE ABOUT MY PREVIOUS CASES I OPENED AND WHEN I CALLED THE NUMBER US BANK XXXX CUSTOMER SERVICE THEY SAY THEY NEVER KNOW I OPENED A CASE BY DEFINITION OF A BUSINESS COMPLAINT ANY ONE WHO DEALS WITH YOUR COMPLAINT THAT PARTY HAS TO CALL THE CONSUMER BY PHONE THAT REP WHICH I STATED THE NAME THEY HAVE TO CALL AND GIVE THE INPUT TO THE CUSTOMER ABOUT THE COMPLAINT AND MY COMPLAINT WITH US BANK WAS NOT RESOLVED BY THE REP NOT DISCLOSE HER PHONE NUMBER TO HER OFFICE INCLUDING A EXTENSION NUMBER TO SPEAK ABOUT YOUR COMPLIANT NOT THE CUSTOMER SERVICE LINE IT HAS TO BE THE CORPORATE NUMBER WHO DEALS WITH COMPLAINTS
I submitted a dispute with equifax on XX/XX/XXXX. The dispute status says it will be completed by XX/XX/XXXX but to today 's date ( XX/XX/XXXX ) the dispute is still outstanding. Not only this but since my dispute was filed equifax has partially removed credit reporting and then placed it right back on my credit as a NEW delinquent account which caused a 40+ point invalid drop in my score. Fix this immediately
Upon receiving my credit report from all XXXX Agencies I found that TransUnion was the only XXXX to have my former foreclosed property from XXXX on my report. I put in an online dispute but after more than 30 days of not receiving a response I called. When I gave them the needed information to verify my reason for calling she stated that she could not see my dispute. She informed me that she could see that XXXX has me CURRENT : PAID or PAID AS AGREES. I informed her that I foreclosed on that home in XXXX and moved out XXXX XXXX. I sent in all needed verifications including the complete credit report with XXXX circled, proof of the sherif sale that the XXXX XXXX XXXX stapled to the home and all of the notices that several credit Agencies sent to me. I sent all of this certified mail, return receipt request XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX I receive a letter from TransUnion stating " Base on the information provided to TransUnion, our records show that the information you disputed does not currently appear on your TransUnion report. XXXX the post office tells me that the zip code for them online is wrong, and it is. XXXX I was told that they could not find my online dispute, that I know for a fact I did on XXXX XXXX, XXXX and now they are saying that XXXX {$68000.00} is not on my credit report when I am looking at it right now. It clearly states that the last payment made was XXXX/XXXX/XXXX but update XXXX/XXXX/XXXX. So on XXXX XXXX it was seen by their employee but now it 's gone, per TransUnion.
We wanted a loan mod from Bank Of America. After receiving the loan modification offer we have decided not to accept the loan modification. 
This whole process has been, in my opinion, a big scam and a disgrace to Bank of America. 
I was led to believe that a real solution, specifically a ten year interest rate reduction to 2 % and a rate of 3 % for the remainder of the loan was what I was working for. After 8 months of continuous uploading of documents, constant phone calls, etc, I was offered a 30 year loan at 5 %, thereby costing me an additional $ XXXX over the life of the loan. I do not see how this is supposed to help me. 
In addition, without my authorization, an escrow account was opened for taxes and insurance. I already pay these items myself and at the time of the mortgage initiation we paid Bank Of America a fee to do so. 
An unauthorized tax payment of {$2600.00} was made in XXXX of last year. Because of this erroneous payment my mortgage payment has increased by {$830.00} per month, from {$1600.00} to {$240000.00}. 
This is beyond " a mistake ''. This is fraud and I intend to treat it as such. 
I have multiple personal and business accounts with Bank of America, including more than one mortgage. After this I intend to take all of this business elsewhere as some as possible
I recieved a call from Navient this past XXXX regarding my past due payment from my private loans of Salllie Mae ( Navient ). They have been recieving all my payments both send the payments to the federal loans that Navient recently adquired. I have been sending my payments to the same place since XXXX without any problem. I have been sendind double payments bacause I was trying to paid them before the time according to my already schedule payment. I never got a phone call or a notification of any changed in my account. Due to the problems with hurricane Maria XXXX and the lost of many of the comunication here I didnt noticed that the payments wasnt going to the right place. I talked to different numbers of Navient looking for an explanation and to try to understand what they can do to fixed all these situation. I call them every week to see if they can help me always got this answer your credit is going to be affected if you dont pay again but I see all the payments youre telling me here ( Navient system ) ; but we need the payments to dont charge you late fees
2 weeks ago NO action # XXXX I never got a response from you people. NOW once again these XXXX XXXX XXXX at experian are still blundering away with some flim-flam scam of fraudulent new claims or new collections on what exactly?! # These XXXX XXXX charge and collect a fee then allow anyone to harass cheat enrage me with malignant unproven collections!!! This garbage is NOT new!!!! I just got informed from XXXX   part of XXXX 's breach and free monitoringof my credit reports!!! WHY are these XXXX at experian blundering away with phony fraudulent claims of collections?! # I never received any mail from XXXX at XXXX XXXX XXXX? Collecting what and for who? All bad debt has already been charged off by everyone, can only be there 3 more years. Obviously this must be those corrupt and petty thieves at XXXX still trying to cheat and aggravate me!! I told you countless times XXXX never refunded or credited me my ( 3 ) lines and {$680.00} in advance payments they stolen??? Plus these XXXX cramming/deceit infamous lawsuit. They thought they couldget away with scamming me with that worthless XXXX tablet that I sent back within 14 days, continued to scam me with overcharges duplicate billing for trying there unpopular countless complaints about XXXX tablet. I had to write california attorney general countless times before I got some phony and specious credit. NOW these XXXX XXXX state settled in my credit report and yet still continue with these vile scandalous collections
XXXX sent me to collections with Franklin Collection Services based on a {$25.00} debt I do not owe on an account I closed over a year ago.
Hi, I went into a dealership to purchase a vehicle back in XX/XX/2017. The dealership asked to run my credit for approval. I asked that they only submit my report once to the most likely lender. The dealership shopped my credit to 3 other bank institutions without my approval. I want these inquiries removed. I did not realize they could be removed until now.
XXXX for the satisfaction of a mortgage at XXXX and a satisfaction of a Heloc loan and for an unspecified transaction, XXXX checks were shown by XXXX from XXXX XXXX ( Bank of America ) to have satisfied XXXX transactions. The Heloc loan,XXXX, was taken out by XXXX XXXX and XXXX XXXX and could only have been satisfied from an account attached to their names.Bank of America account number XXXX XXXX XXXX was not found to be attached to either of their social security numbers. United States Trust, BOA, refused to speak with me in their NY address to locate the account. All three checks were issued on the account number. I do not know how the checks were funded. No brokerage account has been identified for the funding.Merrill Lynch has not found an account and has referred me back to BOA. I include the XXXX information about the Heloc being satisfied. If these checks are genuine, I will need the full account information about what account and whose account provided the funding. XXXX XXXX did identify a XXXX XXXX XXXX in their profile. For the year indicated, I was the designated trustee of the XXXX XXXX XXXXI provided the Ein number but there was not an account attached to it.
XXXX XXXX XXXX and Collection Services of Athens have been falsely reporting to credit bureaus regarding account # XXXX. This account has been paid as agreed. If negative credit reporting is not stopped immediately, the appropriate legal action will be taken.
Experian is reporting the debt to XXXX XXXX # XXXX .... on my credit file. I have disputed this debt multiple times and Experian refuses to delete this incorrect reporting. the account is paid and closed. the date of XXXX delinquency XXXX LATE ) was more than 7 years ago. This account should now be deleted from my credit file. Experian REFUSES to let me dispute this account and I feel this is improper practices and against my rights!
One-Main Financial has been unable to provide me with accurate information regarding my loan. I have requested copies of my payment history and payoff info. When in arrears less than a few dollars, I have been called and harassed up to 10X per day on my personal and work numbers. Yet, when I attempt to call and request my info, I am treated with nothing but contempt from the staff. The worse is the call I received today. 

I was greeted by " XXXX '', and she displayed nothing but awful representations of character. As I was requesting information from her, she continuously criticized MY character regarding my payment history. 

I am not paid on a regular cycle, this was explained to them on numerous occasions. But I have being harassed and spoken to in such and unsavory way. 

I also have concerns about how One-Main aka XXXX aka Springleaf has been conducting business as of late. Their lending practices are on the verge of loan-sharking, with bullies as enforcers.
Bay View loan bought my loan From XXXX on XXXX 2015. 
I had automatic payment. Bay view services includes an extra charge of {$300.00} every month ( no reason ) they told me screw for taxes and insurance. I provided with all the insurances policies posibles ( I pay extra XXXX year for it ) my taxes ( those were included on the mortgage. 

They are scan..stealing my money.. I do n't know what to do. 

XXXX XXXX XXXX XXXXprorperty address:XXXX XXXXXXXXXXXX
On XXXX XXXX, 2015 my mortgage payment was changed to the proper amount of {$780.00}. It was correct for the months of XXXX and XXXX. I went online yesterday to pay and it is back to {$1100.00}. Ocwen sent me a hard copy which shows {$780.00} due ( hard copy attached ), but the computer shows {$1100.00}. I called and was told I had to pay the {$1100.00} since the computer said that was due or I would be in default. I asked to pay the {$780.00} over the phone and was told that I would still be in default AND I would have to pay an additional {$19.00} use this service. 
I am so completely frustrated at this point. I do not understand why this is so difficult and why my payment keeps changing. They are saying they will " research it. '' Every time they " research '' nothing gets done. This has been an ongoing issue for 8 months! 
The other issue I am having is no one can tell me what the {$1500.00} " escrow account adjustment '' is for. It was taken out of my escrow on XXXX/XXXX/15 which is the day the modification went through. I do not see where it was posted to my new escrow so as of now I am missing {$1500.00}. They keep sending me letters which do not tell me anything or show me where the money went ( attached ). If I can see where you adjusted the money out of my account, why ca n't I see where you applied the money to my new escrow? It does n't add up since Ocwen charged me $ XXXX in escrow to make up for a " shortage '' which I never had. Ocwen has collected monthly for my taxes since day XXXX ( before this modification ) and I have never been short. I want visual proof of where that money was applied, not someone 's word that it was. 
I would also like to know what the " legal filing service '' charges on XXXX/XXXX/15 are for ( there are XXXX of them ). No one at any time advised I would have any filing fees. My understanding of an escrow account is that it is unlawful to use my escrow for anything other than taxes ( and insurance if applicable-but I pay it and they do not ).
I applied for a targeted offer for an Citi XXXX XXXX Platinum Select Master Card with a XXXX mile bonus offer after spending {$3000.00} in the first XXXX months and Citibank said I was ineligible to receive such an offer. There was no mention of this in the application, and a phone representative confirmed I was eligible for the bonus before I agreed to submit my application.
Used automated robocalls to call up to twice a day but usually once a day likely in violation of the Telephone Consumer Protection Act ( TCPA ) and FDCPA and local laws.
I applied for an AMEX Starwood Preferred Guest Business Card on XX/XX/XXXX ( credit card number ending in XXXX ). The card had a welcome bonus offer of XXXX SPG points if {$6000.00} was spent on the card within 90 days of account opening and an additional XXXX SPG points if {$10000.00} was spent within 6 months ( for a maximum welcome bonus of XXXX points ). I met the {$6000.00} spend requirement for the first XXXX points inXX/XX/XXXX, but I was never credited the XXXX points I had earned. I contacted AMEX in XX/XX/XXXX inquiring about the points and was advised that I had earned the points and that my account would be credited shortly. I also hit {$10000.00} in spend within the 6 month requirement and I have not been credited for the additional XXXX point bonus either. Actually, none of the XXXX welcome bonus points that I earned by meeting the spend requirements has been credited to my account. I have contacted AMEX repeatedly for more than 5 months and I have been told they still are investigating the matter and as of today they still can not give me an answer. I started saving copies of our online chats afterXX/XX/XXXX which I will attach for your review. I no longer have any confidence that AMEX will ever take care of the problem after more than 5 months trying to resolve it with them directly. Any assistance you can provide will greatly appreciated.
I 'm trying to buy a home in the area I just moved to 6 months ago with my family. My credit score is excellent for XXXX, XXXX and equifax. I always keep my credit reports locked. I am able to unlock both my XXXX and XXXX report, however, I am not able to unlock my equifax credit report. This is blocking me from getting a new home loan. I 've called number after number from equifax, however, nobody will respond. 

XXXX XXXX XXXX XXXX This is effectively locking me out of the credit market and not allowing me to buy a home because all conventional loans require a 3 credit report review. Help! 

Equifax needs to be able to unlock my credit report so I can get a loan.
I have disputed account # XXXX with PINNACLE LLC/RESURGENT on XXXX/XXXX/2016 and sent my dispute certified mail requesting validation of this debt. PINNACLE LLC/RESURGENT failed to provide me with a copy of any viable evidence, bearing my signature. A second certified letter was sent XXXX/XXXX/2016 and I have not heard back from XXXX, They are now out of compliance with the FRCA. I 'm sure we would both like to handle this outside of court, so all I ask is that you remove this listing from all the credit bureaus. If you refuse, I will take legal action.
This Affidavit and Notice Complaint is being filed on behalf of the consumer with the Consumer Financial Protection Bureau for a more transparent investigation. The debt collector XXXX XXXX XXXX has used the consumer 's promissory note in a fraudulent manner in association with the disputed CFPB [ Case No. XXXX ] and this has become an issue where the debt collector has independently provided as verification false statements and representation ( please disregard the option used impersonating attorney etc., as this was the best option ) of a fraudulently endorsed promissory note during an investigation with the Consumer Financial Protection Bureau which has completely condemned and denied the consumer to complete and accurate information.
I received a US Bank Credit Card in XX/XX/XXXX. The promotion offer was that if I spend {$4500.00} in the first 150 days, they will credit my account with {$500.00}. As seen in the attached file - AccountPaymentHistory.pdf, I had spent {$5200.00} within 150 days. I sent US bank an email regarding the credit and received the following reply from them on XX/XX/XXXX ( Our records show that you have met the {$4500.00} spending requirement. You will receive the {$500.00} bonus rewards within four to six weeks. ) I waited for 6 weeks and after 6 weeks, I again sent US bank an email. I received the following reply from them on XX/XX/XXXX ( We apologize for the incorrect information given in our previous response. Once the account has qualified for the bonus rewards, it may take up to 10 12 weeks from the end of the offer period to receive the bonus rewards. ) I again waited for 12 weeks and sent them an email regarding the promised offer. I received the following reply on XX/XX/XXXX ( Our records indicate that this account was opened as of XX/XX/XXXX with an offer to receive a {$500.00} cash rewards bonus for each employee account individually for having {$4500.00} in net purchases within 150 days of the account being opened. 
Reviewing your account, neither employee account affiliated with this business met the net spending of {$4500.00} in the first 150 days of the account being opened. Therefore, this business account is not eligible for the {$500.00} bonus. Your account ending in XXXX had net spending of {$2900.00}, which did not meet the spending requirement. 

The main credit card account ends in XXXX and there are two employee cards within the central account. The total amount spent in main credit card account ( XXXX ) was more than {$500.00}. The credit card company is now coming up with an excuse that each card had to spend {$4500.00}. As seen above in their replies and the attached emails, they agreed that I had qualified for the offer. But it was never their intention to deliver the offer. ) First they said 4 to 6 weeks, then they said 10 to 12 weeks and finally they refused. 

The credit card company 's offer was deceptive and deceitful. They wanted me to just keep spending on the credit card until they could refuse the offer. A strict action should be taken against US Bank for willfully misleading the customers and not delivering on their promises. 

Attached is their email chain where they accept that I have qualified for the offer and then rescinding the offer once it came time to deliver. Also, is the account history where it shows that I spent over {$5000.00} in the first 150 days. 

Thank you.
Attempted to work with Ocwen Loan Servicing for a loan modification while on XXXX due to injury at work. Months in, i have sent every shred of evidence that i have and they keep playing games. They will never accept it and now the window is closing in 3 days. I even got a letter from work and still nothing is good enough. Every rep that call does 0 homework and reads off the same script every time.
Accounts on XXXX  and Transunion have been closed but still show as deliquent. There are inquires that should be on the reports.

XXXX XXXX XXXX XXXX  These accounts are not suppose to show
I have filed numerous complaints against Transunion. They keep lying and saying they are verifying account information on my report without telling me who they verified with. I sent them proof that my student loan was not late in  XXXX     2017  as it was in forbearance. They updated my payment status, and I sent them another letter to verify the other  XXXX  payments that they have listed late. Instead of them actually verifying, they just updated my payments again to show late in  XXXX . AGAIN I am attaching documents directly from  XXXX  that shows my account was in forbearance! Transunion needs to be held accountable for lying and telling consumers they have verified information, when in fact they have NOT!
.XX/XX/2017 send written request for this company to provide physical validated to all three credit bureaus. This company has never sent this proof.
XXXX. ( d/b/a XXXX ) advertised a specific XXXX VIN # XXXX for {$33000.00} with XXXX miles, white exterior and auto transmission. I went to the dealership and agreed to purchase the vehicle for the advertised price and the dealer agreed to give me {$9000.00} as a credit for a trade-in of my XXXX. I owned my XXXX in full and I did not have a loan outstanding on it. I executed the documents to finance the vehicle. There was much confusion and I was asked to sign all the finance papers quickly with little time to review them and the entire time the finance officer kept his palm on the top half of the papers and asked me to sign the bottom of the page so that the only number that I saw when I signed the documents was {$36000.00} ( which seemed roughly correct when I calculated the {$2800.00} service contract added to the {$33000.00} purchase price ). After a few days, I realized that the dealership had changed the purchase price from the advertised price of {$33000.00} to {$42000.00} ( {$8700.00} more than I agreed to ). I called and went back to the dealership on 2 ocassions. I spoke to the manager XXXX and the finance officer. The finance officer tried to convince me that the calculations were correct and the manager XXXX stated that he could not figure out how they came to the amount. 
I called Toyota Financial Services ( lender ) and they called the dealership and as a result XXXX called me and let me know that Toyota had contacted the dealership. XXXX invited me to come in and speak to him. When I did, XXXX simple could not assist me because he could n't figure it out. The lender has informed me that their review indicates that the trade-in {$9000.00} was a " wash '' and they referred me back to the dealer. The lender should have seen that I was not given the {$9000.00} credit. The lender refuses to make the adjustment.