WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a cash-out refinance through JPMorgan Chase on XXXX/XXXX/XXXX. My conversation was always a cash-out refinance based on what I could do in relation to the Loan to Value. My credit was run and I was provided a loan estimate at 3.625 % interest with XXXX points and {$640.00} in Origination Charges and showing a rate lock until XXXX/XXXX/XXXX. I was told to provide documentation which I sent via their web portal which would not upload, so I faxed documents and finally mail delivery. The Loan Officer confirmed my loan was in underwriting. On XXXX/XXXX/XXXX I received a loan estimate in the mail at the same interest rate but 1.5 % points in Origination Charges plus the {$640.00} previously mentioned with a rate lock expiring on the same date XXXX/XXXX/XXXX. I also received a corresponding rate lock agreement but it did not match the Loan Estimate as it reflected a 3.625 % interest rate but only .5 % point Origination Charge. I asked to speak to a Manager as nothing adds up and this is not what we agreed upon but after emails and calls, I did not have a valid explanation. On XXXX/XXXX/XXXX, I receive another Loan Estimate showing my loan amount has been increased by approximately {$46000.00} in addition to the 1.5 % origination points still being charged. I contacted the Loan Officer after receiving this and she informs me I did not get my documentation in on time so they cancelled my rate lock and that is why 1.5 % points are being charged and I must sign the rate lock agreement or risk further rate adjustments. I signed it on XXXX/XXXX/XXXX not knowing what else to do. This is one month after I provided what was asked of me with their claim being they did not receive it in time which is a flat out lie to cover repeated missteps on their part. I received a call yesterday XXXX/XXXX/XXXX, stating that now there will be XXXX points charged on my loan because I am subject to worst case pricing, whatever that means, for which the Loan Officer could not explain and the Manager still will not return my calls to explain why. She should not be licensed if she can not explain this to the consumer. I have yet to receive the Loan Estimate for this change. JPMorgan Chase and their representatives have had the scenario ; my financials and my credit score for almost 2 months plus the appraisal came in {$75000.00} higher than where we anticipated it so they can not claim the Loan to Value was higher so the fees changed. I feel clearly this is the type of banking behavior that Dodd-Frank was supposed to protect consumers against and that this is complete misrepresentation and bait and switch tactics so this is the purpose of this complaint. Thank you for looking into this matter. The Loan Officer is XXXX XXXX XXXX XXXX and the Manger XXXX XXXX XXXX XXXX XXXX. Respectfully, XXXX XXXX XXXX.
CITIZENS ONE IS NOW CAUSING PUBLIC EMBARRASSMENT BY SENDING A LATE NOTICE AND A CFPB RESPONSE TO AN ADDRESS I HAVE NOT LIVED AT SINCE XX/XX/2018. THIS WAS HAND DELIVERED TO ME BY MY OLD LANDLORD, WHICH IN TURN HAS CAUSED A PROBLEM AS THEY ARE UPSET I LEFT DUE TO A HOME PURCHASE. 

XXXX XXXX, OFFICE OF THE CHAIRMAN INTENTIONALLY SIGNED, APPROVED, AND MAILED A CFPB RESPONSE LETTER TO ME ; WITH AN OLD ADDRESS THAT HAS BEEN PREVIOUSLY UPDATED ON THEIR FILES. THIS WAS AS A FOLLOW UP TO MY REQUEST FOR WRITTEN COMMUNICATION ONLY, TO A CFPB COMPLAINT, AND ALL FUTURE CORRESPONDENCE. WHEN I STARTED MY COMPLAINT ABOUT THE COMPANY, I HAD A CURRENT AUTO LOAN, IN FACT IT WAS OVER PAID THE PRIOR MONTH. 

I WAS ASKING FOR AN EXTENSION, AND AT THE BEGINNING OF MY CALL I WAS FALSELY MISLEAD THAT I WOULD RECEIVE THAT EXTENSION, THEN TREATED POORLY ON THE PHONE ; AND TOLD I DO NOT QUALIFY AFTER I WAS TOLD THEY WOULD HELP. NOW THIS. 

I FEEL LIKE CITIZENS IS TRYING TO INTENTIONALLY HARM MY REPUTATION AND NAME, AND HARASS ME. 

I PAY MY BILLS ON TIME, I HAVE A HIGH CREDIT SCORE, AND THIS IS UNJUST HARASSMENT FROM CITIZENS ONE BANK
XX/XX/2017, I was reviewing my credit report like I do every year and saw a collection account from Collection Consultants for {$210.00}. I immediately reached out to the company by mail asking for more information about this debt including validation. Collection Consultants ignored my request and responded by adding XXXX MORE collections on my credit file and added the remarks " Unable to locate consumer. '' This is a fabrication of the truth since my return address was on the letter. I reached out to them a second time via certified mail in XX/XX/2017 and the company has blatantly ignored my repeated request for validation of these XXXX debts I allegedly owe. Collection Consultants have violated the Texas Finance Code by attempting to collect a debt for which they are not licensed or bonded or legally able to collect on the in the state of Texas. This inaccurate information has caused me great harm by tarnishing my credit file.
Starting in XX/XX/XXXXXXXX I started making trial payments for the Home Modification program after sending in several completed Home Modification packets with all the required information. The first payment I made in XX/XX/XXXX was voided unbeknownst to me in the customer service department. I continued making payments in the amount of {$380.00} for three months and even made a makeup payment in XX/XX/XXXX. I then heard nothing and reached out via email to each and every " specialist '' and still no response. I would just receive new letters every few weeks naming a new specialist. Finally, in XX/XX/XXXX, I was put in contact with a XXXX XXXX XXXX. She and I worked together to get all documentation together from my brother and sister ( also owners of the property but not on the loan ). In XX/XX/XXXX XXXX XXXX advised me that I needed signatures of both my brother and sister by the end of month of XX/XX/XXXX. XXXX XXXX confirmed all of this information with the Loss Mitigation manager in XX/XX/XXXX and sent me an email with in XX/XX/XXXX confirming that modification documentation had been drafted and I would receive them shortly.. 
I obtained all necessary signatures with notary stamps and they received all documentation by XX/XX/XXXX. I also made the new payment of {$750.00} in XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX informed me by phone that I was denied by the Loss Mitigation manager and my file had been closed in XX/XX/XXXX. I reconfirmed all of the previous instructions with XXXX XXXX who confirmed the above facts and told me that I had followed all the instructions as requested by Citimortgage and the Loss Mitigation and she was shocked about the outcome and admitted that she even emailed the Loss Mitigation manager who told XXXX XXXX that " she " misread or misunderstood her email. I was also told I would receive a letter with explanation for denial and file closure. I have not received the letter. XXXX
On XX/XX/2018 I contact them by written letter to paid for deleted that account of my credit report they never answer me.
Senex information shared personal private HIPPA medical information about my medical condtion with Bureau of Consumer Finanacial protection. 
they provided a document with all medical proecdures completed on me. this is against the law as per HIPPA
Frequently called asking for the contact info for my " legal counsel ''. Have not responded to my multiple requests for detailed documentation that I owe this debt. Have continued to call and leave threatening and vulgar messages even when I requested they not.
Equifax/ I am request proof that I gave " XXXX '' permission to look at my credit report.
I got an email from a loan company named XXXX. This email came XX/XX/2018 This is the mailing address they gave me XXXX XXXX Prosper Marketplace , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX I never gave this company my SSI number and certainly never gave them permission to run my credit. 
This company did NOT have permission to run my credit. 
I ask this company show my application through them, signature and full SSI number authorizing them to pull my credit
This correspondence is in regards to the collection listed currently on my credit file. First I would like to say that this collection does not belong to me/it is due to fraud. I reached out on XX/XX/XXXX and left a message for an account rep ( XXXX XXXX ) to give me a call back. I never received a call back. 

I reached out on XX/XX/XXXX and spoke with XXXX at ext. XXXX ; who was very abrupt.. I tried to explain to him that this account did not belong to me. He asked me questions to confirm my identity. He couldn't locate me BUT afterwards he asked me for the account number. I looked at the document that was sent to me a couple weeks ago. After I went through then entire statement ; he states that he could not speak to me because this account was listed in bankruptcy. I tried to explain to him the situation about the identity theft ; etc. ; BUT he would not speak with me. He stated that he needed to speak with my bankruptcy attorney or I needed to get something back in writing from my attorney giving him permission to speak with me. 

I called back again shortly afterwards and spoke with another representative stating the same thing. I asked her this question. If this is included in the bankruptcy, why is it reporting separately on my report? She stated that I needed to send a letter stating that they could speak with me about it. 

I am still maintaining that this bill is in regards to identity theft ; BUT the fact still remains that it should not be showing on my report as a separate entity. It should be removed ; as I am being penalized twice. 

I asked if I could show a police report stating showing that there was identity theft on my name ; she told me no. 

I have included the negative report on my credit report ; as well documentation from the Bankruptcy. You will see on page 15, column 2, and line 1 ; Monterey Financial Services is listed as a creditor. Also on page 14 XXXX  ( original creditor ) is listed on this Bankruptcy report. This identity theft was done prior to my knowledge of it even happening. 

I would also like to point out that XXXX XXXX senior manager responded back out to me on XX/XX/XXXX ; which was in violation of the law because of my bankruptcy. 

What I have attached is : a. written statement ( which shows my credit reporting ) b. Company 's response c. Bankruptcy filings that list Monterey and XXXX listed. This bankruptcy was filed prior to my knowledge of identity theft. 
d. Police report
On approximately XXXX-XXXX-2017 I visited Ace Cash Express located at XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX, my intent for the visit was to recieve a payday loan. After providing all required documentation, a cash advance of {$200.00} was approved, I understood the funds were provided through third party was given a due date in which the loan should be paid back and left the business. On XXXX-XXXX-2017 I returned to the business named above to pay my loan and borrow it back, once again provided all of the documentation requested by the company and was denied by the CSR, I called the XXXX number provided as well as the third party lender only to hear there was nothing that could be done about the situation. I need answers. I am highly seeking litigation.
They are calling upwards of XXXX times a day, often with repeated phone calls occurring within minutes of each other. They are also switching phone numbers every few days, making it very difficult to get them to stop calling. 

In addition this company, despite having called in excess of XXXX times, has never left a single voice mail message. 

Finally, based on the calling pattern and lack of messages, it appears that the company is improperly using automatic dialers ( ie, robo dialing ), which we have never given consent to, putting them in violation of the the XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
I have head identity theft is use for 10 years I finally had gained a long time credit card and then to cards within the last year making perfect payments and I kept getting in card enquiries and collections from medical hospitals and doctors that I had no awareness of and they were investigated and removed the company is switching up the names in the keep getting put back on my report I had got my score up to XXXX and Equifax is now Is refusing to remove the same collection account that is fraudulent that they already disputed last year and consider fraud somehow this company keeps popping up and getting through even though all my reports are lot the same goes as hard inquiries and I have a statement on there that says they need to XXXX call me and ask me for some personal information to run my credit I never once have agreed to let anyone run my credit except for my main credit card that is the most recent my scores have dropped tremendously within one month and the credit agency had a raced every single thing on my credit report many years of good payment history and both my current credit cards that I had been paying for NA more than perfect way, now that that happened it is messing with all 3 credit bureaus Because they were all at XXXX and XXXX And after Equifax deleted everything when I made a dispute over a hard inquiry that I did not approve of they deleted everything in it affected all 3 bureaus now the issue is Equifax will not remove the collection in the day already disputed last year they have no good history that they were reporting and they have no reason to remove it they made the mistake and lost the information.
I requested a wire transfer for {$120000.00} on XXXX XXXX, 2017 at XXXX AM XXXX for the closing cost of a house. There is a notice in Ally website that goes as follow : " Requests received or verified by XXXX pm XXXX, Monday to Friday, will process that same day. Wires received after the cut-off time, or on a weekend or holiday, will process the next available business day. 
We may need to call you to make sure you authorized this transaction. More than one business day may be required if we cant reach you for verification ''. 
Nobody contacted me from Ally to verify information until after I called them at XXXX PM XXXX. When I talked to XXXX at XXXX PM XXXX, he said that funds were going out today but that he could not give me a timeframe. I called them again at XXXX PM XXXX and XXXX, the supervisor, mentioned that wire was not going out today because it did not make the cut-off time and that there was nothing she could do because the department that handles the wires is closed until tomorrow. I have contacted Ally multiple times to resolve this but seems that Ally never had any intention of disbursing funds today and they shield themselves with the excuse that they were not able to verify transfer before cut-off time, even though they were supposed to contact me, and there was no way for me to reach out to them.
mortgage service company ( BSI Financial Services ) is not disbursing insurance funds for repairs caused by a faulty appliance. I have attempted to contact BSI 's loss mitigation office on 5 separate occasions and was told they do n't have the necessary files and that they have recently taken over the handling of the loss. I was asked to call back in a couple days and this has gone on over two weeks. I requested they expedite the matter and was told they had no information and to call back.
I currently have a mortgage loan with a XXXX lien on the property. I got behind on XXXX loans. My house is now currently being rented by tenants and when I called to make my final payment on the house I was informed the home had been sold. Bank of America has not filed anything within XXXX County to indicate a foreclosure and I was never informed it was in foreclosure. I even went to the County Clerk 's office as well as checked online for any transfer of deed and found nothing but a Release. I owe less than {$5000.00} on both loans and the house is valued at around $ XXXX {$150000.00}. A XXXX XXXX called me on XXXX XXXX to inform me she would look into the matter and I have n't heard from her since. I 've left several phone calls with no answer. I am ready to payoff the house and Bank of America will not communicate with me. I have just been diagnosed with XXXX and do not have any recourse in pursuing litigation against them. I just want to pay off my house - both loans.
I've tried applying for a XXXX credit card and other credit cards as well. they each say that someone else 's name comes up under my ssn. Not really sure how or when this happened. I also have problems checking my credit. Every site, XXXX XXXX for ex., will not allow me to see my credit score due to whatever 's going on with my ssn. If you can't help with this can you please point me in the right direction to fix this problem? Thanks.
Portfolio Recovery is attempting to collect a supposed debt from me while refusing to provide me with proper verification of said debt. All the while damaging the credit score that I 've been working so hard to repair.
Pulte Homes offered a home credit of {$10000.00} for the purchase of a new home as long as you chose them as a mortgage company. The were offering a rate of 5.3 % ( before running credit ) and told us that we could shop around for a lower rate. They would honor the lower rate and we would still get the home credit. We found another bank that offered 4.375 with 8th credit and send the loan estimate to Pulte Mortgage. The put together 2 loan estimates. 1 with an interest rate of 4.25 and another with an interest rate of 4.5. Both contained the promised XXXX home credit, but they also had us purchasing the interest rates down. The home credit is almost washed away why the point purchase.
Payment history is being reported inaccurately by Equifax. This both lowers my credit score AND alters the DOFD, thus ensuring the negative account will remain longer than it should. 

I disputed this account information with Equifax ( XXXX ) and the dispute was completed on XXXX XXXX, XXXX. 

Subsequent to the completion of the dispute, I contacted XXXX XXXX directly, as they had previously sent an update to Equifax as a resolution to a CFPB complaint aginst them directly. I have the payment history in writing ( dated XXXX XXXX, XXXX ) from the original creditor ( XXXX XXXX ) and what Equifax is reporting does NOT match what the creditor assures me is being reported. 

The most egregious errors are Equifax reporting ( XXXX ) 90-day late payment in XXXX XXXX and ( XXXX ) 60 day late payments in XXXX XXXX and XXXX XXXX. These are NOT reflected on the payment history provided directly to me by XXXX XXXX and provided to Equifax.
Our mortgage was recently purchased by PHH Mortgage. Our normal payment is XXXX. We set up direct deposit last month giving PHH permission to take out that amount each month for our mortgage payment. This morning the withdrew {$3700.00} without our permission. We spoke to their " customer service '' and they could n't figure out why they would take out this amount. Luckily for us, our bank ( XXXX ) has since disputed the amount and refunded our account. There are a few issues : 1. The scariest being, they were not authorized to take that amount out of our checking account. This is fraud and what I would consider illegal practices. There is no reason this should ever happen. 

2. The fact no one can answer us as to why this was taken out. The only thing we can think of is, they billed us for our whole Escrow account on top of our mortgage. They have only owned our mortgage since XX/XX/XXXX and our escrow account has always been up to date. 

3. The lack of good customer support. We 've been transferred 4 times and they admitted it was their issue and they would need to refund us. The then asked if they could just apply that overage to our next month mortgage payment. Their solution was to do what is easier for them. When we said no way they told us the turn around time to get someone to look at it would be next Wednesday- 6 days from today. Plus that 's to look at the problem, not refund us. This is n't XXXX dollars we 're talking about, it 's {$2000.00}. 

4. Lastly, their best solution was for us to handle it with the bank and have us dispute the charge. Luckily XXXX is great to work with, but that 's an unacceptable answer. We also, per XXXX 's recommendation, have to close our checking account and start a new one since they could still have that information even though we canceled direct deposit We are refinancing just to get away from this company.
A Navient rep told me on the phone earlier this month that I qualified for and had been enrolled in an interest-only repayment plan. When I checked my account on the Navient website, it said I was denied for interest-only repayment, and the listed reason why was literally nothing besides " your loan is currently not eligible for the requested repayment option ''. This is not even close to an acceptable explanation, especially after the rep told me I was qualified. No explanation has been offered and I have been repeatedly denied this plan in the past without ever being given any reason or being told what I need to do to qualify. I am struggling to pay my loan and have been told by other reps several times that my only option is default.
I brokered a deal with United Recovery systems XXXX, extension XXXX to settle a debt I had with XXXX, paying XXXX on XXXX/XXXX/XXXX. on XXXX/XXXX/XXXX I paid {$2000.00} and made payment arrangements for XXXX/XXXX/XXXX of {$200.00}, XXXX/XXXX/XXXX of {$200.00} and the last payment of {$200.00} on XXXX/XXXX/XXXX. I called on the date of the last payment of {$200.00} to arrange a payment a couple of days late. I was told by XXXX XXXX that the transaction was in process and that there was nothing I could do about it. I said the transaction had not showed up in my checking account she said there was nothing she could do or I could do. It came back insufficient funds and a few days later XXXX XXXX called and made an arrangement for the last payment of {$200.00} which was taken from my account on XXXX which cleared on XXXX. On XXXX XXXX XXXX called and told me that since I paid the last payment late that the agreement was null and void. I told her that I had made the last payment as agreed. I asked to talk to her supervisor she patched me through to XXXX XXXX got a voicemail. I finally reached him XXXX/XXXX/XXXX where he proceeded to tell me my deal was voided by my making the last payment late. XXXX XXXX called and tried to get me to make a commitment of paying the rest of the debt of {$4700.00} when I got my tax refund I told her my dad does my taxes and he usually waits until the last minute to do them. United Recovery Systems employed the same tactics they did before XXXX/XXXX/XXXX. They called my parents, my work, and me. They called my home and cell phone daily. My account was transfered to another person whom which I told I would not be receiving my income tax until XXXX and that I was not sure that I could pay them because of other obligations. It eventually ended up on XXXX XXXX 's XXXX, ex XXXX desk and I told her my history. She said she could see where my check came back insufficient funds thus voiding the settletment. She said that I could settle for {$1900.00} in Febuary and I told her that I did not have the money. She called me weekly to see If I got my refund yet and on XXXX/XXXX/XXXX she informed me that the offer was of the table and that she could settle for {$2600.00} which I did not have and that she did not want to see my debt go into litigation. I made payment arrangements for {$130.00} to be debited from my checking every month for the next 35 months which I 've been making. I just heard of you guys by reading an online article. I feel I do not owe the {$4500.00} as of XXXX, XXXX statement form United recovery Systems. I thought my debt was settled when I made the arrangement for the missed last payment to be made on XXXX. I got some bad advice from XXXX from XXXX in XXXX who I thought was a part of the XXXX XXXX She advised me not to pay them another dime because my debt was settled.