WillisBack/dataset-financial-user-claim huggingface dataset:
I am in danger in having my home foreclosed upon by Nationstar Mortgage. I need help. I am behind on my payments and have gotten no help from my lender. I went through the state of Oregon required foreclosure prevention program. I proved financial hardship caused by unemployment, painful divorce and new job paying much less than my old one. My then wife and co borrower left me for other men after thirty years together. She has since filed quit claim deed on property and has nothing to do with it now. I sent all the documentation that the lender required. Lots of forms, tax info and the like. I asked for a lower, affordable mortgage payment so I could stay in my house. I asked for debt forgiveness on my past dues. No solutions, government plans, or help has been offered at all. I had n't heard from my lender in a couple months, at least, then I received a letter from their law firm stating that they would seek a default judgement against me. I want a fair chance to save my house for my daughter and myself. Nationstar has not dealt with me fairly from the beginning. They have shown no interest in helping me save my house. Please help.
Everytime I make a payment to my credit card ( Barclays Bank XXXX Card ), they withdraw the funds from my checking account but do n't record it to my credit card until 7-10 days later. 
They 're obviously holding my money. Is this legal?
XX/XX/XXXX myself and my ex-wife took out a home equity loan at Suntrust Mortgage. This was a part of our purchase transaction on our at the time primary residence. This was a joint loan with myself and her. I was first borrower on the home equity loan. We got divorced in XX/XX/XXXX. Per our divorce decree she would keep the house and make all payments. Earlier this year XX/XX/XXXX, I had applied for credit to find out that the loan had be charged off by Suntrust Mortgage. I contacted Suntrust and they will not help me. I did not receive one phone call or one notice about the loan being late. I would have happily made the payment as it was only {$84.00} per month. I have had the same phone number for 20 years which they have on file and they also had my correct mailing address. It seems like with me being on this loan I should have received some type of notification about payments being late.So now my perfect credit has been ruined at no fault to my own and I can not get any help from Suntrust Mortgage. Any assistance that can be provided would be greatly appreciated as having a charged off mortgage loan on your credit report is a major thing and will effect me ever being able to buy a new home again.
Received a phone call today from IC System, one of many, apparently XXXX to be exact. Rep asked for XXXX XXXX. Told him that there was no one here by that name and that I have received at least XXXX calls from them and they do n't even have the correct number. His response was " I do n't think so and I have shown that it was only XXXX times logged. 
How can they be allowed to harass when it 's not even the correct number???
None of your options were for me and i had to choose something in order for me to continue the complaint. 

i live in Texas and was filing a lawsuit against Transunion. I contacted the Secretary of State for Texas to get the information for their Agent of Process for Texas. Transunion provided Texas a company name of : XXXX XXXX at XXXX XXXX XXXX, XXXX TX. 
upon a google search there is NO building with that address. it does NOT exist. Transunion provided FALSE information to the State of Texas thus preventing consumers from filing a lawsuit against them having no local agent of process which the courts need. 
i have no documents to submit, but you can do a simple goggle search on the address and contact the Secretary of the state of Texas ( corporations division ) to authenticate the information i have provided.
On  XXXX   XXXX ,   XXXX   I attempted to make an   XXXX   purchase of {$870.00 } using PayPal. Predictably, I went through an endless nonsensical series of " plea se verify your account '' loops - to no avail. I was never allowed to pay for my auction.     Please understand this clearly : PAYPAL IS THE ONLY WAY TO PAY FOR AN   XXXX   AUCTION. That is unfair and should be illegal. I CAN NOT wait  48 hours until PayPal  decides to unfreeze my account before paying for an auction item.     After contacting workers in  XXXX  who had no clue how to clear the error, I was told that they were only allowed to ask security questions once per day, and " to their best guess '' I 'd need to " just wait until your account unlocks again. '' That is 100 % unfair and illegal.     I do NOT want to read yet another form letter about the " velocity '' of m y PayPal account and how they 're trying to eliminate fraud. I have been a PayPal  customer for over 10 years, and am furious and insulted to be treated as such.
We had our house for sale for almost 2 years. Starting at {$500000.00} lowered it many times finally got an offer for {$39000.00} cash. Which our Realtor talked us out of taking. We finally ran out of money and put it up for a short sale. B of A was our lender so we figured we could get {$10000.00} in relocation money. Well into the process they say well we sold your loan to XXXX without your knowledge and they have their own program for {$3000.00} we complained were told nothing we could do about it. The loan was to close on the XXXX of XXXX this month. We looked and looked for a place to rent finally found XXXX and gave XXXX and XXXX months rent for {$3100.00} all the money we have. Contract move in date the XXXX. Now today we are told it may not close on the XXXX and they may need an extension. From what they are saying we would have to stay in the house until the end to receive the money. If that happens we forfeit the money we put down {$3100.00} and have no place to live/Question how can they sell my loan without my knowledge and cost me {$7000.00} which as I understand is n't even their money and have their own little program and how can they make me stay longer to get the {$3000.00} with little or no notice. The world just does n't work that way. We are desperate looking at no money and being homeless. As a note I retired in XX/XX/XXXX with {$XXXX} a house with equity of {$XXXX} inherited {$XXXX} and in XX/XX/XXXX and again in XX/XX/XXXX lost everything I spent my life saving. I am XXXX years old in good health applied to many many jobs and the moment they see my age no call back. Is there any help out there or do we just go homeless.
I received the following notice via email that I am going to be charged a " transactional fee '' to make an online payment. Please note that Caliber Home Loans had previously " suggested '' that I opt out of receiving paper notices. This seemed reasonable, as my info is all online anyways. Plus I knew that it would save the bank processing fees, and this seemed like the " right thing to do ''. 

So now they want to repay my consideration for their cost of doing business by charging an absurd additional processing fee? 

I have always made this payment on time, between the five-days period two days prior to 2-3 days after the first of the month ( probably 90 % of the time on the first day of the month ) ; I've never had to pay a penalty. 

In the recent email, the company states that if I wish to pay with a check via mail, I can avoid the fee. 

( I suppose the purpose of that is running the risk of checks getting " lost '' in the mail, so they could charge late fees? ) How could the cost to the bank of hiring and paying someone to process paper checks sent through the mail possibly be less the automatic processing of online payments? - There's no point in trying to answer that question. It's impossible to add human agency to a financial transaction at less cost than an automated online payment. Period. 

This fee is a sophisticated scam by a grasping bank manager to bilk honest mortgage payers, pure and simple. The sole intent and purpose is to add an additional amount to the payment of my FHA loan : paying a fee to make a payment! 

Shame on Caliber Home Loans. 

I will also be writing to my congress-person. 
: -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Email from Caliber Home Loans -- -- -- -- -- -- -- -- -- -- -- -- - Were writing to inform you of a change which may affect monthly payments made to Caliber Home Loans , Inc . 

Beginning XX/XX/2018, each one-time loan payment online or through the Caliber Home Loans mobile app will be assessed a {$3.00} transactional charge. However, theres an easy way to avoid paying this monthly charge ... and its also a time saver! 

Choose recurring loan payments and skip the fees Also known as automatic payments, our recurring loan payments enable you to set and forget this monthly task. You can set up recurring payments with your Caliber Home Loans mobile app, or by logging into your account at caliberhomeloans.com. 
As always, you may continue to pay by mail without charge by sending your payment to Caliber Home Loans , Inc., XXXX. XXXX XXXX, XXXX, TX XXXX, or for overnight delivery, send to Caliber Home Loans, Inc. Attn : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX TX XXXX. 

You may also make your payment 24/7 using Calibers automated attendant at XXXX. Transactional charges may apply. Visit Fees & Fee Descriptions for more information. 

Thank you for being a valued Caliber customer! 

Caliber Home Loans Copyright XX/XX/2018 Caliber Home Loans, Inc., XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( NMLS # XXXX ). XXXX. All Rights Reserved. Equal Housing Lender.
This complaint is against Nationstar Mortgage, XXXX XXXX XXXX XXXX, XXXX, Tx XXXX. On XX/XX/XXXX, I received a letter from them indicating that my escrow account had more money than needed, They enclosed a refund check and lowered my monthly payment from {$1800.00} to {$1400.00} starting XX/XX/XXXX. I paid the lower amount monthly until XX/XX/XXXX. On XX/XX/XXXX I received a notice dated XX/XX/XXXX from the City of XXXX, NY that the mortgage company had not paid my property taxes of {$2800.00} plus a late charge of {$84.00}. I notified Nationstar and was told that I did not have an escrow account, however, after checking they sent me a letter dated XX/XX/XXXX that confirmed that my account should be escrowed. On my XX/XX/XXXX statement they kept the payment of {$1400.00} the same and indicated that if I made additional escrow payments that they would not raise the payment amount so I sent them a payment of {$2900.00} which included an additional {$1500.00} in escrow. In XX/XX/XXXX I sent them {$1500.00} which included {$100.00} in additional escrow. On XX/XX/XXXX I received a notice that they had not received my XX/XX/XXXX payment so I recovered my cancalled check from my bank which indicated that the bank paid the XX/XX/XXXX mortgage payment on XX/XX/XXXX. I notified Nationstar and they said that they mistakenly posted the entire amount to my escrow account and charged me a {$24.00} late charge which they have not recinded. On my XX/XX/XXXX statement they raised my monthly payment to {$2000.00}, a {$620.00} increase in an attempt to correct their inability to service my escrow account properly. I paid the {$2000.00} leaving me with XXXX dollars left for a three week period. I have now received my XX/XX/XXXX statement where they again want a {$2000.00} payment. I am retired and on a fixed income so I do not have the ability to make any further payments in that amount. They have caused me an extreme financial hardship and have refused to lower the payments. Just as a matter of information my property taxes are {$2800.00} and school taxes are {$1300.00} for a total of {$4100.00}. The additional escrow of {$620.00} plus the {$200.00} escrow already built into the $ XXXXpayment amounts to {$820.00} monthly for a yearly total of {$9800.00} which is more than double the required escrow needed. Therefore, I am making no further mortgage payments until such time as Nationstar reduces the monthly payment amount. I am also considering legal action against Nationstar for damages incurred by their inability to properly service my account, also, they have sold my mortgage to XXXX XXXX who I have been in contact with. They advised me to contact you.
This issue was acknowledged Spring XXXX. I realized two paid in full loans from XXXX were no longer reported on XXXX credit report. I contacted XXXX and was told creditor needed to resubmit information, it couldn't come from me. I then contacted creditor and advised of issue with credit report. The creditor faxed information to XXXX and mailed loan information to me. I then faxed information provided to XXXX. I was told by XXXX if the information was previously reported, there was nothing that could be done after following instructions to fax information provided by XXXX & creditor. 
There was a constant back and forth between me contacting creditor ( XXXX XXXX XXXX in NC ) and XXXX to get this issue corrected, for this is a major part of my credit report and history. I was then informed by representative at XXXX that it takes a couple days for them to review faxed information and to give it some time to reflect on my credit report. After reviewing recent credit report the issue still remain, nothing is updated thus far regarding loan information. I then contacted representative at XXXX XXXX XXXX who submitted information in XXXX. She refaxed information to XXXX  and mailed me another copy which I faxed to XXXX as well. I submitted complaint and chatted with live representative I was emailed case number XXXX. Please assist with prompt action regarding information provided for this issue affects overall life.
I have notified Equifax several times of inaccurate information listed and nothing is being done about it. There is a name listed which is XXXX XXXX which my name is XXXX XXXX and accounts listed which do not belong to me. Please help they are doing nothing about it
My dispute was sent on XX/XX/XXXX and by law XXXX XXXX XXXX XXXX XXXX has 30 DAYS to respond yet these chose to ignore my attempts and request for validation. They also FALSELY made statements that the Debt Validation I requested on XX/XX/XXXX was sent to me however that is FALSE. Til this date I have YET to receive ANYTHING from this company yet on XX/XX/XXXX almost 60 DAYS later they responded. Violation # 1. Violation # 2 if they so called sent validation why wasnt it updated to the CRAs that the accounts in question where disputed. Yet they chose to report the accounts late every month to the CRAs. Violation # 3 your company is attempting to collect on an outdated debt. The state of limitations has expired yet you continue to report it MONTHLY to the CRAs. As of XX/XX/XXXX the accounts remain on my credit. Please remove YOUR tradeline and cease all collection activities before I am forced to seek legal action against your company for continuing to violate my consumer rights and KNOWINGLY reporting false information to the CRAs in an attempt to destroy my credit worthiness. You have 15 days from receipt of this notice to REMOVE and DELETE my information from your company records and remove your information from ALL my credit reports. This notice serve as my FINAL notice before litigation.
In the beginning of XX/XX/2018, I received alerts informing me that my XXXX credit score went down 73 points and XXXX credit score went down 43 points due to a balance increase. I contacted Great Lakes asking for additional information and I was advised that the loan is still current but the interest capitalizes each month which calculates in an increase in the balance. However, they do not have control on how the credit bureaus calcuate the scoring for credit reporting. I immediately contacted XXXX and was advised that the loan is showing it showing deliquent status ( although I am showing it was current during the time of the 73 point reduction and to current date ). I proceeded with a despute and recently received a letter containing my credit report, no other information was provided showing the reduction in points. I would like each major credit reporting agency to actively research this information and make the necessary adjustments to the errors reported, effective XX/XX/2018.
My mortgage carrier is Carrington Mortgage Services LLC, and they have increased my escrow payment from {$370.00} to {$690.00}. Their reason was because my property tax statements from XXXX XXXX to XX/XX/XXXX were for total due {$3500.00}. Then the following cycle XX/XX/XXXX. XXXX to XX/XX/XXXX double to total due {$7300.00}. The reason for this double amount was because I did some energy efficient improvements on my house through the XXXX XXXX. This program allows you to pay the loan back through my County Tax statement every year. So, the additional or supplemental tax from the XXXX XXXX of {$3700.00} caused my escrow balance to become negative for that amount. They recalculated my escrow projected amount on XXXX to the {$690.00} amount. I explained to them I'm a senior citizen on a fixed income and couldn't avoid a {$300.00} jump in my monthly payment. Upon finding out my escrow balance was negative I paid the {$3700.00} on XXXX XXXX. The only thing I wanted Carrington to do was ignore the XXXX   supplemental tax portion moving forward and I would be responsible for this part of my tax bill which would move my escrow charges back to {$370.00} instead of the {$690.00}. The tax department attempted to have the supplemental tax from the XXXX XXXX taken off my tax statement. So, there have refused to do so. In their projected escrow analysis they are assuming a value. They don't know what my XXXX   supplemental tax will be for XXXX XXXX XXXX XXXX. I may have paid down the XXXX balance due or I may have paid it off. By making this assumption and charging me the additional {$300.00} I could be using that money to pay down the XXXX  balance. Please have them put my escrow payment back to the previous calculation and allow me to be totally responsible for the XXXX  supplemental part of my property tax bill. It that simple of a request. I'm attaching 4 documents to support what I've outlined about.
There is a unknown medical charge of {$590.00} which no way do I owe. I have disputed and received nothing. Please help
False advertisement, deceiving and unfair business practices demonstrated by Bank of America. I intended to use balance transfer checks that I have been receiving as " as special offer '' from Bank of America. In order to use the transfer checks and transfer higher paying interest to a new lower interest credit I made a large payment to the BofA account ( XXXX ). That would allow enough limit in the credit for the transfer and to have a lower credit interest overall. Just after the payment was made, aprox. XXXX days later, I receive a letter indicating that my credit line was cut by more than 50 %. This is credit I already had no new credit I was applying for. BofA action prevented me using the transfer checks and not being able to take advantage of the advertised offer and lower my overall interest rate. I am very angry because I could have use the large payment I made to BofA ( {$16000.00} ) for other things and keep paying as I usually do. I must mention that we had this credit card for around 30 years. I could have used the money to lower other payments. Their action just not only sabotaged the balance transfer, but also, for the credit bureau, it reported the card as over 95 % use thus decreasing the my overall credit score. This action from BofA was totally deceiving, arbitrary, unfair and also, damaging.
Let me start by saying that this collector may have tried to reach me and I simply did n't get the notice. In XX/XX/XXXX, I separated from my partner and after many months of struggling to make timely payments I was served with a notification to vacate an apartment we leased at XXXX XXXX, I complied. The property, sold that debt to XXXX XXXX XXXX and although they have never reached out I was aware of the debt and I knew at some point I would have to pay it. In any event, I contacted Ideal in XX/XX/XXXX to try to settle that debt and at that moment they advised me that they would not settled and that it had to be paid in full, the rep who has been assigned to my account is very strict and did n't give me much leeway to speak or to understand the process she just said this had to be paid and there would be no deduction. Yesterday, XX/XX/XXXX I  contacted the creditor again as I am trying to organize my finances and purchase a home and at this point the rep, XXXX XXXX of Ideal Collection, informed me that not only was there no settlement but that there was no arrangement they could make, the debt has to be settled in full. I was perplexed, is this lawful? Not everyone has {$2100.00} to pay off a debt at once. Are agencies allowed to strong arm a citizen or hold their credit hostage? For the record I offered to make 3 payments of {$700.00} and that was not good enough. I would like to understand if this is true.
money was fraudulently withdrawn from my checking account using my debit card. 
the charge was by PP*XXXX XXXX SC according to other web sites, this ph number has been used in stealing money form other peoples accounts.
I had an account with XXXX that I was unaware still had an existing balance. I was made aware when XXXX XXXX reported the balance on my XXXX  credit report. I confirmed with XXXX that the account was not sold to XXXX XXXX and that they sill owned the account. I agreed to pay the balance of {$960.00} to pay the account in full on XX/XX/XXXX, and I was told that the account would be recalled and XXXX XXXX and removed from my credit. 

On XX/XX/XXXX, when I checked my credit report, I saw that the XXXX XXXX collection account was updated to paid in full, and still remained on my credit report. I contacted the CEO of XXXX 's office to get the issue resolved, but I was told that they would no remove the entry, and that the agreement that was made was not going to be fulfilled. 

I contacted the XXXX of XXXX 's office again in XX/XX/XXXX, and I was given the same response that XXXX would not fulfill their end of the agreement. I followed-up by calling XXXX customer service again, and I was told that, yes, in fact the account should be recalled and it should be removed from my XXXX credit report. I was told this would be completed in 10 business days. I have received no notifications that this action was fulfilled, and the entry still remains on my XXXX  Credit report as of XX/XX/XXXX. 

I payed the balance in full, all I want XXXX to do is recall the account from XXXX XXXX so that it will be removed from my credit report.
This is the Second time this company has failed to refund an escrow overage within a timely manner. They usually take over 30 days, and often what is said is not usually done. XXXX XXXX, loan serviceer for USAA, Has withheld my escrow overage check. The loan closed XX/XX/XXXX ( was paid off XX/XX/2018). I called several times : Tuesday : XX/XX/XXXX- Check was disbursed XX/XX/XXXX and XX/XX/XXXX it was sent out. No tracking number was given. I notified them that I had not received that check only a pay off overage for {$30.00}. No viable resolution was offered. I offered to pay to have it shipped overnight. XX/XX/XXXX another check was disbursed again with no tracking number. XX/XX/XXXX I spoke with the executive resolutions department - XXXX & her supervisor XXXX. I called again today & was told again, The stop payment was approved. I have been promised yet another Date Friday ( XX/XX/XXXX ) for direct deposit this time. XXXX XXXX is certainly doing a disservice to any USAA member. 3months ( when by law its supposed to be returned within a 20-45day time period ) to receive any refund is absurd and this unethical business practice was the sole reason we paid out of pocket to refinance with another lender.