WillisBack/dataset-financial-user-claim huggingface dataset:
I am formally submitting a letter of complaint over the sudden increase in monthly mortgage payments and requesting a refund from LoanCare , LLC. I am also requesting that my escrow account be closed. 

New FHA rules no longer require that lenders of FHA loans must maintain an escrow account. The homeowner is permitted to maintain his escrow account at his own bank. 

For the first year, my mortgage payments were {$1200.00}. The second year, they were {$1200.00}. In XX/XX/XXXX, they shot up to {$1700.00}. That is an increase of {$520.00} per month. 

I have spoken with five customer service representatives at LoanCare, none who have been able to explain the rate increase. 

My property taxes in XX/XX/XXXX were {$3200.00}. In XX/XX/XXXX, they were {$5200.00}. Thats an increase of {$2000.00}. 

My hazard insurance has remained largely the same, as has my monthly mortgage interest. 

Dividing {$2000.00} over 12 months, my monthly mortgage should only increase by {$170.00}. 

Yet LoanCare has increased my monthly mortgage by {$520.00}! 

Heres a breakdown of what I should be paying monthly : Principal & Interest : {$790.00} PMI : {$110.00} Hazard insurance : {$100.00} City taxes : {$430.00} TOTAL : {$1400.00} Federal law gives lenders the ability to have a cushion of only two months maximum of escrow payments. In this case, my monthly escrow payment is {$660.00}. Double that and its {$1300.00} maximum per year that LoanCare can request for a cushion. 

{$1300.00} divided over 12 months is {$110.00} for the cushion per month. 

So adding the extra cushion payment would make my monthly mortgage rate {$1500.00}. 

By charging me {$1700.00}, LoanCare is violating federal law and overcharging me. 

I have already submitted a formal complaint to the XXXX XXXX XXXX, and noted that LoanCare is not accredited by the XXXX and has an F rating based on multiple complaints and unresolved disputes. 

I want a refund of my escrow, and request that LoanCare close out my escrow account. Moving forward I will only pay the principal and interest on my loan and will maintain an escrow account at my bank. 

If LoanCare refuses this request, I will refinance my mortgage with another lender.
I sold tickets on XXXX. Two days AFTER the event, the buyers reported to XXXX that my tickets did not work. I tried settling it out with XXXX and did what they asked me to do. I contacted XXXX XXXX XXXX ( the venue ) to ask for a scan report for the event and my tickets, and they told me they are unable to send me the scan report because they do not keep scan reports. I then contacted XXXX ( original ticket selling website for the event ) and asked them for a scan report and they told me they do not have scan reports for the event. I emailed XXXX all of my conversation transcripts with both XXXX XXXX and XXXX. I also emailed my original order receipt for the event. XXXX emailed me back saying they understand that it is beyond my reach to obtain the scan reports. Then I saw on my bank account that they immediately took out the money from my bank account. I asked XXXX for proof that the buyers really were not able to get in with my tickets, and any other proof that they did not just reported me just to get their money back even though they got in to the event. XXXX NEVER replied to my email after they have already taken out the money from my bank account. XXXX did not show me proof that the buyers were not lying, and I did everything I could to cooperate and get all the information that I could. I disputed this charge to Bank of America, but they decided to close the case in favor of XXXX. I would like Bank of America to research this further and help me obtain the proof that I am asking from XXXX.
Original loan through XXXX. In XX/XX/XXXX I called them to get payoff amount. On XX/XX/XXXX I called back to confirm payment and that my loan was paid in full. The confirmed that it was. On XX/XX/XXXX, they reversed a XXXX dollar payment to my account. This XXXX dollars was for a different student and they had applied it erroneously to my account. They confirm that they never called me, and it was n't until XX/XX/XXXX when I started getting email from Navient ( which I did not recognize as I never had a loan through them ), saying that I had payments on a student loan due. I have tried for a year, personally and through attorneys, to get in touch with someone who can help in Navient and have not been able to do so. They keep calling as debt collectors, refuse to let me speak with anyone who can help, and tell me that Navient is correct, and I owe money ( which I believe was their error and I do n't ). They are currently charging me the XXXX plus the interest for 10 years, which is inconsistent and unfair since the reason I paid off my loans years ago was to avoid interest. I am told no one can help me, there is no resolution center. They continue to harass me every day, including nights and weekends, and I have no ability to speak with anyone who can help.
Supposedly I had a private loan with Wells-Fargo, It looks like now they have given that loan to XXXX. But when I look on my credit report it shows that I still owe both Well-Fargo and XXXX. When I called to speak with a representative at XXXX they there was nothing they could do to remove the old loan and to call Well-Fargo. After reaching out to Wells-Fargo they told me they no longer have the loan and there was nothing they could do so I needed to reach out to XXXX. I told the rep that I had already done so and I was told to reach out to them, the Wells-Fargo rep said unfortuantely there was nothing they could do and that my credit report should not still show the information that it is currently showing. I have hit a dead spot with wells-Fargo.
American Express charged me a {$3.00} XXXX processing fee for an item I purchased from an XXXX company. I was never informed, in advance, that I would be charged this fee and I did n't authorize it. American Express refuses to credit the fee and is insisting that the charge is valid.
I contacted a loan specialist in regards to our credit report to begin the process of owning a home again after a foreclosure. When he looked into our credit he told us that there is a judgement against us. We were not aware of this so I contacted the clerk of courts. They said that there is a judgement and if I understand this correctly they said the judgement went into a lien. They gave me information on the case so I contacted the law firm that is involved and asked them about it. I tracked down the original creditor because the law firm does not do settlements and the original creditor sold the account to Capital One. I contacted Capital One and they told me the amount of the judgement is around {$6000.00}. The amount that we actually accumulated on this card was a little over {$1000.00} and this is an old debt. I asked them why the amount we owed is so much. They said late fees, interest and court costs have accumulated but they would accept {$4400.00} so the lien can be lifted. This credit card was one that was being negotiated by a debt settlement company that we were working with that turned out to be a scam. Before this credit card debt could be taken care of, the debt settlement company collected their fee from us then disappeared. The law firm claims that all the information they got from this creditor was being sent to the debt settlement company which no longer existed. My question is, why did n't they then get in touch with us before the amount on this account got to be what it is??? This debt is many years old. I told them that I could not send the entire amount of {$4400.00} but that I would send it in three payments of {$1400.00}. I am working with a credit counseling agency right now and this does n't sound right to them either and finds it suspicious that a credit card debt would go into a lien. I already sent the first payment but I am now wondering if I should send the remaining two payments just in case this account can be settled for the amount of the first payment I sent of {$1400.00}. Can I get someone to help me with this issue? This account is not on our credit report from what I can see and I 'm not sure how the loan specialist came across it.
I pulled my credit report on XXXX/XXXX/XXXX and noticed some collection accounts that I have never heard of before. The collection company in question Advanced Collection Bureau , Inc. claims that I owe money to them for a bill that I have had in the past. I demanded that they validate the debt under the FDCPA on XXXX/XXXX/XXXX via a letter sent regular mail, they never replied. They continue to keep this account on my credit report to this day after several rounds of letters to them demanding that they validate this debt. Now that this has gone on this long I am filing a complaint to have this debt removed from my credit report.
Account annual fee for the new membership year billed on XX/XX/XXXX. Per established policy according to the bank, a customer has 30 days from when the annual fee was billed to close the account and get the annual fee refunded. I have some family emergency ( spouse delivering baby in XX/XX/XXXX ) and would like an exception from the bank to refund me the {$400.00} annual fee. I requested the closing the account on XX/XX/XXXX, 31 days from the annual fee billing date ( 32 days if the billing day itself is included ). It is just one or two days off.
I Have had a chase checking account with Jp morgan chase for 9 and half years and i get a letter in the mail that they are closing down my checking account and credit cards by XX/XX/XXXX, when I tried writing them a letter and contacting them they told me theres nothing we could do. looking over my account I dont see anything I have done other then basic shoping purchases that would warrant my checking account to be closed this is a big hassle and is stopping my going about my daily life. I tried explainin g to them that this was a mistake on their part and they should submit it for review but after they did a review they are still going ahead with the closure of my account very upsetting please remove this restriction and have a nice day thank you please ask them to reopen my credit cards and checking account even just a checking account being reopened is fine this is very frustrating thank you for your time, XXXX XXXX
On XXXX XXXX 2015 I executed the permanent Home Affordable Modification agreement mailed to me by Provident Funding, by signing XXXX copies of the XXXX page document in front of a notary public. The modification agreement was prepared by XXXX XXXX. I then returned the notarized Modification Agreement back Provident Funding for their signature and recordingOnce the document was fully executed Provident funding was to record the Home Affordable Modification Agreement at the XXXX XXXX County Registrar Recorder. 
On XXXX XXXX, 2015 Provident Funding finally recorded the Home Affordable Modification Agreement after I filled complaint # XXXX with the Consumer Financial Protection Bureau. 
It has recently come to my attention that Provident Funding altered the signed notarized Modification Agreement that I mailed back to them on XXXX XXXX, 2015, before recording it, by inserting typewritten text on page XXXX and adding XXXX extra pages at the end of the document. 
I have attached the original notarized document that I executed, as well as the forged document that Provident deliberately altered and recorded. I have also highlighted the insertions and additions. 

I would also like to point out that that Provident Funding provided me a copy of the executed agreement that did not include the alterations. 
I was only made aware of the incident, because I retrieved a copy of the recorded document directly from the XXXX XXXX County Registrar Recorder 's office. 

I believe that Provident Funding 's actions are illegal, and constitute fraud which I why I am seeking your assistance.
kept my {$79.00} annual fee. They also kept giving me bad information over  the phone.I receive d   XXXX   XXXX   XXXX   credit card  XXXX  from Bank of America soon after  XXXX   XXXX ,  2017. In  order to get my  XXXX  reward points from them I needed to spend {$1000.00} within 90 days. I quickly spent over {$1000.00}. What I did n't realize was that a {$20.00} return went against this credit card. I watched  XXXX  to see if my bonus points had posted because I was planning a vacation. I called Bank of America on  XXXX   XXXX  to find out where the points were. The representative told me that I only had {$990.00} plus on my account, but that my 90 days were not up and I could make a purchase and get my points. I immediately made a {$10.00} charitable contribution online on  XXXX   XXXX .     I kept being told that my case number  XXXX  was pending. I was promised resolution dates that were miss ed three time s. Today, I was told I would n't get my bonus points and I cancelled my card.     Bank of America charged me a {$79.00} annual fee for this card. It was worth it to me only because of the bonus points.     I spent {$1000.00} on this card within the contractual 90 days. Bank of America did n't give me my bonus points and has kept my {$79.00} annual fee.
Every year about the same time, Ocwen Loan Services states that the Escrow is short, and they missed a Tax payment on purpose, to have an excuse to collect more to pay the current and the late tax. 

During the past year, I have paid a Total of : {$3800.00} in Escrow taxes, all statements, and cancelled check are attached, on which {$1900.00} is for XX/XX/XXXXtaxed and the surplus is {$1800.00}, thats enough to pay the late taxes of {$1000.00} and even so, that will be a positive balance of {$850.00}. 

Ocwen makes their accountability so complicated that we dont understand and in that it makes that we keep owing Escrow payment for them. 

It is much easier if they sum all Escrows deductions and make submit 2 payments twice a year to the city of XXXX, but they have botched escrow accounts, but they keep it complicated so they can continue their wicked scheme and continue to make money on that. 

Following is what I just paid Ocwen and City of  XXXX in taxes. 

XX/XX/XXXX{$970.00} To the City of XXXX XX/XX/XXXX {$640.00} To Ocwen Concerning XX/XX/XXXXStatementXX/XX/XXXX {$640.00} To Ocwen Concerning XXXX StatementXX/XX/XXXX {$130.00} To Ocwen Concerning XXXX Statement XX/XX/XXXX {$130.00} To Ocwen Concerning XXXX Statement XX/XX/XXXX {$130.00} To Ocwen Concerning XX/XX/XXXXStatement XX/XX/XXXX {$130.00} To Ocwen Concerning XX/XX/XXXXStatementXX/XX/XXXX {$130.00} To Ocwen ConcerningXX/XX/XXXX StatementXX/XX/XXXX{$130.00} To Ocwen ConcerningXX/XX/XXXX StatementXX/XX/XXXX{$130.00} To Ocwen Concerning XXXX Statement XX/XX/XXXX {$130.00} To Ocwen Concerning XXXX Statement XXXX XXXX {$130.00} To Ocwen Concerning XXXX Statement XXXX XXXX {$130.00} To Ocwen Concerning XXXX Statement XXXX XXXX {$130.00} To Ocwen Concerning XXXX Statement XXXX XXXX, XXXX {$130.00} To Ocwen Concerning XXXX Statement Total : {$3800.00} They increased my mortgage in {$6900.00} by XXXX XXXX and will increase again in interest in XXXX XXXX, and they are trying to make it so difficult that I cant continue paying and start a foreclose on my property. 

I sent a request to Ocwen on XXXX XXXX, XXXX to cancel my escrow, and I wll pay my Taxes, in order to avoid their late fees, and Ill let you know, the outputs of the request. 

Id like to receive all payments that I have mad in excess in Escrow to XXXX, I have no idea how much, but maybe is over {$5000.00}. 

Im trying to find lawyers in U.S. that are representing another homeowners against Ocwen, so, they can sue them, for that, and also for the insecurity and hardships they bring to me and family.
cra violation wells fargo has caused me to bounce checks with atleast the other banks also my apartment complex giving my provisional credit and taking it back i have showed them on several occasions that my computer was stolen police reports and this still has not been fixed charging me non atm which is unfair by their practices they open up accounts before in the past and still have not settle that case How many times would they like the see the police report i sent on several several times
I filed for bankruptcy almost eight years ago and it was dismissed in XXXX of 2011. I have been asking all three bureaus to either remove the bankruptcy from my credit report or at the least show the updated information, that it was dismissed and remove the balance. They have refused to respond to my numerous letters and have not taken any action as far as I am aware. I have also sent them the discharge paperwork, which I will include here.
This letter is in response to your recent claim regarding Acct # XXXX which you claim I owe {$670.00}.

By not replying in a timely manner to my initial letter on XX/XX/2018, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate, incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non- compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.
A couple of years ago I took out a loan from a company named Cash Central. They ceased communication with me about a year ago but within the last few months XXXX XXXX XXXX has been calling my work number. I can not take personal calls at work and after the second or so call to my work number I called from my cell phone during work hours to tell them. They continue to call my work number, which is a violation of the FDCPA. Today the representative from their company acknowledged that I did tell them to not call me at work but they did it anyway, and he says I wo n't talk to them at the other numbers they have called but they 've never left a message on any other number since I told them not to call me at work. They may be calling my cell phone from spoofed or unavailable numbers but because I get a lot of telemarketing calls unless I know the number or someone leaves a message I do n't pick up. It seems like calling from spoofed or unavailable numbers and not leaving a message is an attempt to skirt debt collection laws. Because this company has violated the FDCPA and admitted to it on their recorded line I want them to close my file and never contact me again.
My ex mother in law XXXX XX/XX/XXXXand her house was left abandoned by her son. In XX/XX/XXXXof XX/XX/XXXXthe house was still sitting. My children wanted to live in grandma 's house and since my lease was up in my apartment I decided to see what I can do about that situation. I contacted my ex husband and he told me he did not want the house. I asked for the mortgage information so I can see what I can do to save the house. My kids and I moved in the house and I started to correspond with the mortgage company. I was told that I can assume the loan and do a mortgage modification. I was told if I qualify and complete the modification is when the loan can be assumed. I started the process. I got approved for the modification and was to make my first payment XX/XX/XXXX.. I received a call from PennyMac stating that everything was not approved yet in XXXX. I asked what about the payment I am supposed to make this month. The lady stated that I should not make a payment until I am approved. I stated ok and how will I know if I am approved. She stated that I will be notified in writing. I said ok and waited for the correspondence. I received a call at the end of XX/XX/XXXX concerning payments that should of been made XX/XX/XXXXand XX/XX/XXXX. I told the person exactly what I was told to me on the phone. She told me that call was a different department concerning the assumption. I told her that I was not informed of that and she stated that they were going to cancel the modification if I did not make the payments. I told her that I can make XX/XX/XXXX at that time and I will make XX/XX/XXXX2 weeks after that and she stated ok. I made the payment. There was a problem in the house in which I had to pay a huge amount to get something fixed. I explained to PennyMac this situation and was told that I needed to make payment for XX/XX/XXXXand XX/XX/XXXX that day. I explained my dilemma and they stated that they can deny the modification and I can reapply in 45 days. I stated that will be fine. I called in 45 days to reapply and I was told that they already put everything in for me to have assumed the loan so the loan was in my name. I stated how was that possible since the modification did not go through. She could not give me the details since that was a different department. So now they are stating that I have taken over the loan the was it was which was in foreclosure and past due {$20000.00}. I asked what I can do and I was told to come up with {$10000.00}. I explained that I did not have that kind of money and specified that this is not right that I was put on this loan under false pretense and she stated that she has nothing to do with that. I need help. I do not know what to do but I know this is not right possibly legal.
I was appointed as Guardian of my father, XXXX, on XX/XX/XXXX. Subsequently, his property was deposited in eight ( 8 ) bank accounts, including a Bank of America account. The account is titled, MY NAME, Guardian of XXXX Joint w/ Guardianship Clerk XXXX County . My father, XXXX  died on XX/XX/XXXX. Thereafter, my attorneys, XXXX & XXXX, filed a Petition on my behalf in the XXXX County Surrogate 's Court, and on XX/XX/XXXX, I was appointed as Administrator of my father 's Estate. As fiduciary, I have proceeded to close seven ( 7 ) of the Guardianship accounts, with the exception of the Bank of America account. The branch manager has been totally incompetent. At first I was told I could go to any branch with the appropriate documents and close out the account. Then I was told that I had to come to her branch. After going to her branch, she once again refused to close out the account. At my insistence, she finally reached out to her legal department and she was informed that I needed documentation from the Guardianship Clerk. That information is totally incorrect. Once my father passed away, it was out of the hands of the Guardianship Clerk, and it was necessary for me to file my Petition for Administration of his Estate with the Surrogate 's Court.
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
On XX/XX/2017 a letter was sent to To : Ocwen Loan Servicing LLC ; XXXX XXXX XXXX XXXX XXXX ; New York Department Finance Legal ; XXXX XXXX Regarding XXXX XXXX XXXX XXXX We have requested a Discount/ Short Sale Payoff with a release of all claims for the property on XX/XX/2017 through the CFPB. 
On XX/XX/2017 we received a regular payoff quote from the correspondence Team at Ocwen. We have not received an explanation why we are being denied a Discount/Short Sale Payoff with a release of all claims.I 'm also requesting amortization schedule and all information that was requested from The AG Office in New York. As of today we are still waiting for the information Please advise,