WillisBack/dataset-financial-user-claim huggingface dataset:
We were approved for a loan modification, but our XX/XX/XXXX statement does not reflect the terms of the loan modification. Statement amount shows a payment due of {$240000.00}, but according to the loan modification XXXX payment due is {$3200.00}. We mailed the loan modification agreement and emailed the documents to our relationship manager on XX/XX/XXXX, but Ocwen sent another set of loan modification documents to our home address on XX/XX/XXXX and requested to have the documents sent back by XX/XX/XXXX. I am unsure why the second set of documents were mailed out.
On XX/XX/XXXX, I received a voicemail saying his name was XXXX XXXX from pre-council summons of " my jurisdiction '', and he had tried unsuccessfully to serve me a summons to appear and would now be serving it to me at my place of employment. I have been XXXX and not working since XX/XX/XXXX. I called them back to find out what this was all about. The man who answered the phone did not identify himself or the name of the company. I asked why I was receiving this phone call. After providing him with my phone number he said they have tried twice to serve me a summons to appear for Defrauding a Financial Institution. I asked him what he was talking about. I have committed no fraud, let alone Bank Fraud. He then said it was in regards to a XXXX XXXX, XXXX XXXX, that I had returned to XXXX in XX/XX/XXXX due to declining health and losing my job. He explained that the car had been sold at auction and the remaining amount still due was XXXX, and they were suing me for that amount. 

I tried to calmly explain to him that the Statute of Limitations in the State of Texas is 4 years from the last date of payment on the debt. He then told me I don't know the law he does and I am the scum of the earth. When I asked if he was an attorney, he just got louder and continued to call me the scum of the earth. When I asked the name of the company he was representing and contact information he hung up. 

I called back and spoke to XXXX XXXX. I asked her the name of the company and address. She quickly gave it to me while asking what this was about and why I needed it. While she was doing this she was looking up my phone number to see who she was speaking to. When she asked what this was about and I asked had her company filed a bond with the State of Texas to collect in this state she told me they don't have to do that because they are a recovery company, not a debt collector. She kept asking why I needed to know and I told her I was filing a complaint with the State of Texas and the FTC. She said good luck trying to do anything to them. Then hung up. I called back because I was not sure I had gotten the correct city, XXXX again answered and said she didn't have time to talk to me and hung up. I had to call back a third time to have someone tell me the city and zip code. 

I believe this is the same company, operating under a different name, who contacted me last year with the same threats and insulting language and behavior. I had to actually block that number so they would stop harassing me. After researching more I have found that this company has called many people using the same tactics and have used the name XXXX XXXX XXXX XXXX, ( which is the name they gave me ), and XXXX XXXX.
Between XX/XX/2016 and XX/XX/2016 my wife and I had a series of communications from various people all claiming to be working for Direct Recovery Services.  These included phone calls from several different area codes (including calls to our son and my father in law via their phone numbers), an email and letter with a Minnesota address.  We asked via phone and email XX/XX/XXXX for complete verification information on the debt so we could look into the matter.  When this was not received by today (XX/XX/2016) I called the number on the letter and asked for the Senior Account Manager who signed it.  I never got a straight answer on if that person was available but the gentleman who answered said she was one of his employees and he could handle everything.  He gave me what I feel was a rushed pressure to settle with them or else pitch.  When I explained we wanted complete verification info on the debt all he could give me was what he claimed to be the date and original bank account on our end for the original debt.  My records and a call to the bank confirmed the account he gave me the number for was closed almost 2 years prior to the date he had in his records.  When I called back with this info I had a shorter, more rushed conversation that ended with the rep hanging up on me.
I am filing a complaint against PennyMac Services LLC for threatening and harassing tactics, they have been servicing my Mortgage loan for the past two years. On XXXX XXXX, 2016 I received a certified letter stating that if I do not make my XXXX payment and late charges of {$1000.00} they will begin legal action to start foreclosure proceeding. My XXXX payment was received in their office on XXXX XXXX. My mortgage payment is current and due XXXX. I had this mortgage for XXXX XXXX years with XXXX XXXX year left before its paid In full. I called them to see why I am receiving threatening letters. XXXX of the representative said that I need to apply for a loan modification in order to stop foreclosure. I asked her what sense the it make for me to modify my loan when I only have 3 years left with a payoff of $ XXXX. I was told this would be the only way they can work me is to pay off the late charges and to a loan modification. This is a complete violation of UDAAP law. Intimidation and threats to take my home. Again I been living in the premises for 26 years and never had a problem with making any of my payments. The late charges that I have on the loan stems over a period of 20 years. Due to paying after the due date but never 30 days. I would like the CFPB organization to investigate this thoroughly. This has cause me a great deal of stress. As a matter a fact I received a letter on XXXX XXXX saying they will foreclose on my property all because of late charges and trying to pressure me into extended my mortgagg.
I did not receive this service that I am being charged for. I attempted to contact this business to dispute this, but they had gone out of business. I was referred to this agency for XXXX, but they closed business before providing me with the service required. They were not very business minded. This is probably why they went out of business.
I have been paying XXXX XXXX XXXX for a XXXX account since XX/XX/XXXX & they refused to update my credit report to show that I was making payments. On XX/XX/XXXX I came to an agreement which I got in writing from the before making final payment. They agreed to remove this from my credit report however today XXXX they told XXXX that I still owe them {$3400.00} when they have been paid in full. I called them & they deny confirming this to XXXX. I am caught in the middle & my credit score suffers & I am being denied credit due to this unfair reporting.
Sent in a letter last year to cancel all cards with Capital One, my online banking was disabled and since I could no longer make payments online, I wanted to be rid of these. My XXXX  XXXX XXXX card gives me a free FICO score every month. I checked it and found it had dropped dramatically, just about 100 points. 

I ran my own credit and found that Capital One had charged one of those closed cards an annual fee, I had no idea, then they proceed to charge their own fee, late fees and report my 'missed payment ' to the credit reporting agency. 

You can look at my credit, I have no other late fees for years. Except another that the same bank did to me two years ago, that had inspired me to pay off and close these accounts. 

Capital One is not a company with any integrity or morality. never once did we receive a phone call for these 'missed payments ' I want them to fix their mistakes and assure me that those cards are CLOSED.
I paid XXXX in XX/XX/XXXX for account # XXXX for {$68.00}. They never send my receipt ive requested several times. I disputed this account to credit bureaus and they remove the account off the files in XX/XX/XXXX. Since them this account has not being reported each time ive talked with XXXX this never came up that I still owe it. I checked my credit report this month and found out they put this account back on the file its been 1 year and 3 months this account were not being reported. I can not get the bank statement because I no longer have the account it was closed in XX/XX/XXXX. Somebody had took my payment and did n't apply it to the account. Its no way the credit bureau would delete something without being paid or its 7 years old. Also they just put another account # XXXX for {$83.00} from XX/XX/XXXX on my credit file I want to know where this account been all this long time 5 years. I want these items deleted from all credit bureau this is so unfair.
XXXX XXXX XXXX is trying to collect a debt that is not mine. This is a result of identity theft and not mine, I have never had XXXX or cable service at all ... Please check your records and remove from my credit profile or I will have no option but to handle this in small claims court.
Hello, I received an alert to my credit report and it was a credit inquiry from a company called MoneyMart. I never applied for anything with this company and when they pulled my credit report they should have seen a fraud alert and my phone number listed to contact me prior to issuing credit and application verification I did not authorize the inquiry and asking for the fraudulent inquiry to be removed.
On XX/XX/XXXX, I called because my card was not working I was informed due to an previously overdrawn account and inactivity there was a hold placed on my debit card. But since my direct deposit was available and had satisfied the overdrawn amount the hold was taken off my card. My debit card worked all day XX/XX/XXXX. On XX/XX/XXXX, I tried to use my card at an atm and the atm said the transaction was cancelled please contact your bank. I tried to call the Telephone banking Center, which was having technical issues causing an automate voice to tell you they were having issues and to call back later. It was a few minutes before closing at the physical bank. I went through the drive through since the lobby was closed I explained what was happening and that I had the available funds to make a w/d but needed a counter check. The gentleman smiled and said sorry we ca n't help you because the lobby is closed. I pushed back and requested if an exception can be made due to the circumstance and he said no. Nor did he attempt to see why my card was inactive or present any other option. I later called the telephone bank center after several attempts and almost a half an hour wait I spoke with a representative who was great. He was able to find out that my card was closed for on XX/XX/XXXX due to more than 30 days of inactivity. Which confused us both since I used my card the day before, XX/XX/XXXX. He kindly gave me a number to contact XXXX directly to see if they could get me funds since the issue with my card was an error.
The bureau is reporting false information on my behalf regarding my personal information, as well as false accounts that are not even mine and I have no knowledge of. I would like these accounts removed from my file as its is hindering me from utilizing my true credit.
I have a mortgage that is serviced by Rushmore Loan Servicing LLC. My mortgage is owned by XXXX XXXX XXXX XXXX. 

I have fallen behind on my mortgage payments immediately and ask for a loan modification. I received a letter after requesting a loan modification from Rushmore Loan Servicing stating that my modification was denied. 

The reason giving didn't make sense. Three of their reasons for denial led me to believe that there wasn't any due diligence in their consideration.

1- Income not sufficient to sustain any payments under any available loan modification program. ( The was no program offered ) 2- Employment History is not sufficient in length to qualify. ( I've been employed for the same company for 11 years. ) 3-Your Credit History reveals that my current obligations are excessive in relation to income. ( The letter stated under this bullet point ; could not be verified ) 4- Good Faith Payment : Proof of the good faith payment was not received. ( When applying for my modification I was not required to make a payment however it seems as I'm being penalized for something was not require at the time of application.

However, I was informed that I have 14 days to accept Rushmore Load Servicing short sale options. 
This is evident that my modification was never processed and simply denied in the attempt that XXXX XXXX XXXX XXXX either foreclosed on my home or force me to short sale my home either of which will allow me to lose my home. 

Apparently, this is a common practice. Please see the link below. 

XXXX XXXX XXXX
I noticed I have fraudulent hard inquiries in my credit report, I realized something was wrong after I log in to my Experian account. I immediately contact Experian and the creditors to let them know I was being a victim of identity theft. XXXX contact me after 3 suspicious applications under my name, I immediately lock my Experian credit report. Please remove from my credit report these fraudulent hard inquiries XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX.
On XX/XX/XXXX, I deposited the sum of {$500.00} into my checking account in addition to {$89.00} available balance with Chase Bank Account. On XX/XX/2016, I used Chase debit card for the amount of {$220.00}. On XX/XX/2016, I used Chase Debit Card for the accumulated total amount of {$160.00}. My account available balance becomes {$580.00} minus $ XXXX= {$200.00}. On XX/XX/2016, I was denied access to take {$20.00} by Chase Bank on their false assertions that my checking account was in negative {$54.00} or {$55.00}. But Chase Bank employees told me that " Federal Reserve '' has a policy and that they are complying to " Federal Reserve '' Policy to denied me access to my money. As a result I was stranded on transit because I did not have sufficient funds to buy MTA Ticket to get me home. I suffered XXXX, XXXX, XXXX, XXXX due to deliberate public misrepresentation and frustration as I remained stranded without money for transportation to get home. I have Bank available balance in the amount of {$200.00} in my checking account with Chase Bank but Chase Bank denied me access to {$20.00} I needed to buy MTA Fare Ticket. I contacted " Federal Reserve '' on XX/XX/2016, and I was informed that Chase Bank did not follow " Federal Reserve '' rules and regulation ; and that Chase Bank may have lied to me by citing " Federal Reserve '' to cover-up to subjected me to disparity and discriminatory and retaliatory practices because I had filed complaint and opposition against discriminatory practices in the State of New York by bad policies enforced by Financial Houses, Hospitals, Schools, Colleges and Universities. I am requesting for adequate investigation and compensation for all the humiliation, retaliation, discriminatory disparity and disparage treatment, XXXX, and for wrongfully denied me my right to my properties and denied me immediate use of my money without reasonable basis in law and facts. I hereby seek for adequate investigation plus additional {$500000.00} compensation against chase Bank. I can be reach at : XXXXXXXXXXXX
The rate/terms on a loan with Avant Credit/XXXX were not disclosed/agreed to. Complaints have been filed previously, their response shifts slightly from claiming to have screen shots showing terms/rate to consent to receive electronic disclosures. Please see complaint below which details my experience and their various replies which again, seem to shift, neither reply shows proof that rate/terms were disclosed to me. 

Avant administers the loan, it appears XXXX is the actual lender in which complaints have also been filed against in regard to this and other matter, a XXXX account. XXXX is known to charge unusually high interest rates as their rate of 35.94 % is the highest around and do not consider credit score as a factor, contrary to what they claim. I 've spoken with XXXX XXXX and he mentioned credit score as a factor as well as credit worthiness. My score at time of approval was in the mid to high XXXX range, my rate should not be so high. A number of XXXX reviews, mostly negative, reveals they charge everyone the same flat high rate of 35.94 %, they do not in fact consider credit score. 

I will again reiterate that the terms such as high interest rate were not disclosed at time of application/loan approval. This may be due to a technical glitch on my end, my computer was experiencing issues including but not limited to screen resolution, lag/freezing, web-pages not fully loading. This might account for rate not appearing or disclosed. I have since purchased a new computer. Had I known of the actual rate I would have not applied. A copy of terms was not sent to me until after I requested it, the last rep ( s ) I spoke to at Avant emailed me a copy, this was not sent to me prior. 

XXXX XXXX also stated he has screen shots showing terms/rate, etc. There is no way he can show what was seen on my end, on my computer screen, at time of application/approval. XXXX XXXX at XXXX has also claimed the same, however, I have seen nothing as again, they can not show/prove what was seen on my end. They both seem to imply I am or was having difficulty making payments and are missing the point that I refuse to pay this high rate, thus the reason for not making payments. They might be use to people blindly paying them, however, in this case they are wrong. The total paid with interest is over XXXX, according to schedule, more than double the actual loan amount. If they think I will pay this they are sadly mistaken. 

Information has been provided to my attorney about this matter, in case it is referred over for collection or legally. In closing, please advise them that again, if they wish to continue seeing any kind of payments they will renegotiate the loan somehow or lower rate. Their electronic disclosure ( s ) are just that, electronic, they do not have anything signed by me and might be difficult to prove. As mentioned above, his reply has shifted from having screen shots showing rate/terms to I consented to receive electronic disclosures. Also, he claims I chose the actual loan amount/terms. This is not correct, the loan amount was the only amount offered to me and chose to accept, however, not the high rate of 35.94 %.
I received a summons to go to court. 
I had never received a letter for this until after i was served with the lawsuit. I couldnt even dispute this. 
I have lived in my home for almost 10 years. 
I went to court and told them that i was the only person working in my family and it was a part time that i had started a couple of days ago. I have XXXX minor children and my husband is a military veteran in the process of applying for XXXX. I told them i could pay {$10.00} until i get back on my feet and they said no that they would not accept that. 
I dont understand english well and my husband was not with me in court. They tricked me and said the only thing i could do is agree to a consent to a judgment which i didnt even understand what that was until i searched it in the internet. 
They tricked me just because i was scared. Now my home will have a lien on it because they didnt tell me what a judgment was, they just made me sign my name and told me that was the only thing i could do. I do not agree with this judgment.
I want to report Wells Fargo today as I've had some issues with XXXX $ fees hitting my account due to them allowing funds to be charged even though the account doesn't have funds to cover the charge .. I've spoken to XXXX  In the executive branch that North Carolina, which without being asked attempted to give me some needless advice that I never requested or asked for and tells me that I am wrong very rude interaction with whats supposed to be the department which helps you with this type of issues, my transfer were being denied, therefore I've tried 2 days in a role to fix the issues. Also attempted to fix issue again and spoke with XXXX in the center over in the XXXX which she rudely handled the matter as well, and also we did not carry a productive or positive conversation did not follow through with what I was talking about and would talk about something else other than what I was saying. 
VERY SCAMMER LIKE ACTIVITY GOING ON WITH THIS BANK. I STRONGLY SUGGEST THAT THEY TURN THIS OFF, AS IT BEING PORTRAYED LIKE HELPING SERVICE WHEN IS NOT, IF YOU DONT CURRENTLY HAVE FUNDS IN ACCOUNT NOTHING SHOULD BE ALLOWED TO PROCESS, SPECIALLY IF THEY ARE GOING TO CHARGE YOU {$35.00} FOR THAT.
I am applying for a XXXX year fixed rate mortgage with eLend also doing business as XXXX. On my original loan estimate that I received and signed the total cash to close is {$1900.00}. I received the updated closing documents showing the new closing cost of {$4600.00}. I have made multiple attempts to contact eLend and resolve this. I am unable to reach my loan processor or a team lead. I have only been able to speak with sales XXXX who has explained to me that there have been changes to the escrow withholding in addition to the title work and that is what is causing the change. The entire point of the loan estimate is to protect the consumer from bait and switch and in this instance that is exactly what is happening.
I CAN NOT get into my XXXX account in order to UN freeze it for 24 hours. I am trying to purchase an automobile as I was just in a bad accident and my car was totaled. I have tried numerous times an many different phone numbers to get this done. Given them the same information repeatedly that was okay in XX/XX/2018. The dealer will hold the car until tomorrow morning - XX/XX/2018. Other similar cars are {$4000.00} MORE. 
I need this problem fixed NOW!!!!!
XX/XX/XXXX For five years now we have had a nightmare with CitiFinancial. First starting with a personal loan of mine for {$7000.00}, I took {$6800.00} out of my retirement to pay off the loan because the interest was so high on the loan. That left {$200.00} to pay, that was in XX/XX/XXXX well we continued to make monthly payments on the loan until XXXX of that same year. My wife and I contacted the XXXX in charge of our account, she told us to stop paying on the account it was paid and there must have been an error and she would get back with us, well she did and told my wife that she applied {$4000.00} to our mortgage, which she did n't, and {$2000.00} to the personal loan. Also XXXX tried to convince us that is how we directed her to do so, definitely false! XXXX either was fired or resigned during this time from that branch in XX/XX/XXXX. Now we begin getting calls from the branch manager saying we owed full payment of {$7000.00} plus late fees. The branch and Citi have been absolutely no help. They also say it happened during a time they were switching accounts to XXXX XXXX XXXX and they 're not responsible for what happened at that time. They acted as if they 're not responsible for their or the employee 's actions. All I know is they stole {$7000.00} from me and my family and ruined my credit ... There is more Citi has done to us I 'll write in another story ...
Describe what happened so we can understand the issue ... 
I did not give verbal and/or written permission for CAPITAL ONE AUTO FINANCE to pull my credit report on XXXX XXXX, 2016. Per Federal Credit Reporting Act this is an ILLEGAL act to make an " Hard '' inquiry which decreased my credit score on my credit report. When asked to show me proof of authorization this company could not provide it. This inquiry needs to be deleted from my credit report.
I tried to pay off my student loans through Navient. I went through a 3rd party called XXXX and they told me that they would help me pay XXXX $ a month within 5 months to pay off my loans.