WillisBack/dataset-financial-user-claim huggingface dataset:
I get paid twice a month. I paid my mortgage two months ahead and then began sending 1/2 of my monthly mortgage in every time I got paid. My Mortgage company will not post the partial payment until a full payment is received. This practice allows my money to benefit them and does not effectively reduce the principal and subsequently lower the interest I have to pay. Their practice also does not allow me to pay my loan off sooner than 30 years, due to their posting practice. I called and asked why and was told if I would sign up for Budget drafting I would benefit and my payments would be posted upon receipt. I mistakenly believed the auto drafted payments would be posted upon receipt but they are again waiting for a full payment to be received before they post it even though I am ahead of my scheduled due date by several months. 

My Bank is not allowed to do this so why is a mortgage company allowed to? This is unfair and to me and ( in my opinion ) is deceptive. I called again today ( XX/XX/2017 ) to see if I could remedy the posting issue and was told they were allowed to post it that way because I had signed up for budget billing. I told them the ONLY reason I signed up was because they told me that I HAD to if I wanted my payments posted upon receipt. This is a very bad practice and it is deceptive. The payment history also shows " payment applied '' however the payment is placed in my " syspense account '' until the next auto debit is taken ... this is misleading and a false statement. I am a single, mature ( XXXX ), XXXX female and wonder if a man would be treated the same way? They dismiss my concerns as unimportant and still wo n't give me the courtsey of a return call on the process and acknowledge that by holding my payment and not applying it when received cost me additional interest.
1. The first complaint that I have is that I requested a loan modification XX/XX/2015 because I was unable to make my payments at the current rate and I was approved. I followed everything I was supposed to do according to the verbal conversation I had with the representative. After I mailed the 4th payment I received a letter telling me the loan mod was cancelled because I had not sent back the paperwork. I called and asked what paperwork they said the modification agreement. When I requested them to send it back out so I could sign it, their response was no we will not send the paperwork again, we are returning the last ( 4th ) payment made and to not make any other payments at the modification amount, and to contact a HUD agent. 
2. After working with a HUD agent for the last 6 months, we have been offered a new loan modification agreement. This modification agreement has worse terms that the last one. Examples of these terms are the interest rate and the length of the modification. 
A. I was told the 11.9 % interest rate would go to 5.57 % for 5 years and then would increase by 1 % until it reached the cap, which is current market interest rate. This was in the preliminary loan mod paperwork. Which my HUD agent and I called to get verification on so we could make an informed decision before sending in the {$1500.00} payment required to start the modification process. However when I received the paperwork to sign and send it back it said the rate was 6.232 % and after the 24 months it would go up it would back to the 11.9 % interest rate. 
B. This new modification is for only 24 months not a permanent resolution to the problem. The last loan mod was a permanent fixed modification. 
3. The new loan modification paperwork I have received says that the balloon payment is no longer required but is unclear if it will come due at the end of the 24 month modification or the end of the loan or if it completely gone. All of these answers have been given to us by several " mortgaging specialists '' at HSBC when we have called to get clarification and none of these answer are put into writing give confirmation of what answer is the correct answer. 
4. Deferred Interest : In the modification agreement I received it claims over XXXX dollars in deferred interest. When asked about this we were not given answer on who authorized and agreed to this. I was told on the Phone with my HUD agent present the last deferment was made in XXXX 2015, which I had no knowledge of, did not ask for at the time, and was not notified of the deferment. HSBC took it upon themselves to do what they wanted without consulting or notifying me about this. 
5. Then all on the same day, my HUD agent was notified I was approved for the loan modification, I was sent the preliminary paper stating that I need to mail the XXXX payment to start the modification process, and they filed for foreclosure.
Yes I have tried to get credit with some companies and was n't able to.They used a hard credit report and put inquiries on my credit report and it has damage my XXXX XXXX I want to challenge all inquiries that 's on my credit report.some have been over two years ago and it 's still there and I want it to be removed from my credit report. I have asked them to remove this stuff off since it has been 2years I pulled my credit report up and inquiries are still there damage my XXXX XXXX. I had a old accounts and inquiries from them is there I feel they have n't been doing what the law requires them to do when it comes to my credit report. I 'm asking for help to reach out and resolve this problem with them.
The bank ( Wells Fargo ) mistakingly applied a home equity line of credit payment to " principal only '' instead of interest and principal. The next month, when I went to mail a check, the account was in a past due status. On the payment coupon I recieve every month, there is no " principal only '' option, so someone at the bank decided on their own that I must want my account to lapse into past due status. As a result, my HELOC account was placed on restricted status and negative information may have been reported on my credit history. It was completely the bank 's mistake. They offered to retroactively fix it, but I believe my credit history has still been negatively effected. If I did n't say anything, I 'm sure the bank 's mistake would have gone unnoticed and I would have suffered for it on my next loan application. I want to bring it to the CFPB 's attention so other consumers wo n't experience the same poor record keeping and payment processing.
Suntrust Home Equity Line of Credit 
This new Complaint is in reference to my previous complaint to CFPB case # XXXX Regarding a Fraudulent Appraisal performed by Suntrust . I am addressing letter from Suntrust Dated XX/XX/XXXX in particular the last line."XXXX,if you have any questions,please contact me at XXXX .---I will be glad to speak with you "  signed XXXX.
It appears to me I am getting the same run around from Suntrust that I had from XXXX thru XXXX .Phone and contact names that did not exist and or no return calls. .My initial complaint was sent to CFPB on XX/XX/XXXX .A Suntrust surrogate called on XXXX and said a XXXX will call me on XXXX ,NO CALL.  I called XXXX (Suntrust) on XXXX @ XXXX. and left message @XXXX for him to call me back ,NO CALL . I called again on XXXX @XXXX and left message for him to call me back ,NO CALL .
Called XXXX on XXXX @ XXXX and left message for him to call me back.NO CALL. Called XXXX again on XXXX @ XXXX. and left message for him to return call.  NO CALL . Called again on XXXX Left message for XXXX to call back. NO CALL . In each instance I referenced the CFPB case number XXXX and left my home number , a land line with answering machine. I also quoted the last line in his letter "he will be glad to speak with me ".  This is EXACTLY how Suntrust treated me during Foreclosure case and the ONGOING FRAUDULENT APPRAISAL CASE.I do have questions for XXXX (if he does exist ) .
I received a voice mail from XXXX and XXXX and XXXX today within 3 hours and the messages indicate that they are after me and that the police will arrest me and to call now. That there are serious allegations against me. One Company listed was ASG.
My mortgage was through XXXX XXXX. It was bought by XXXX. Then it was bought by XXXX XXXX. Now I receive a letter saying it was sold to PennyMac, BUT the terms are not being honored. I had automatic payments through XXXX, XXXX   and XXXX XXXX. This covered my Principle, Interest, Insurance and Property Taxes. PennyMac says they will not take care of that in this letter. XXXX XXXX NEVER said they were selling my loan. In this day and age of fraud and corruption no one needs this from finance companies.

When mortgage companies assume a mortgage are they not supposed to honor the terms and rates of the loan, especially a VA LOAN!? If it's not a law WHY DON'T WE MAKE IT ONE!

My mortgage is not a Grifter 's game for banks to play with. XXXX XXXX XXXX XXXX
M y Father passed, and I took over a Real Estate prop erty he owned in Arizona. For the last 8 months, I have been dealing with  two  Mortgage Service Companies, who have violated Federal Successor In Interest laws on Several Counts. The property had  two  mortgages. The primary Mortgage is current, and I am " allowed '' to make the payments. However, I am being told that I have no authority over this primary mortgage. Only the PR for my  Father 's Estate h as authority. IE I ca n't even change the mailing address for the notifications for this mortgage, " because my name is not on the loan ''.     XXXX   XXXX   XXXX   XXXX  , violated severa l Federal Laws,  and it was not found in due time due to these violations. This   XXXX   XXXX   XXXX  , was notified as soon as the Mortgage was found. They refused to speak to me - the  Successor In Interest, "  because my name was not on the loan '' and they had already " closed out '' ie, foreclosed on this mortgage. Their stance was " They had closed out this mortgage, and were not pursuing it at this time ''. In effect, the property was not lost, but a  Title Deed Filing Lein Remains Intact  for this property for this mortgage!
I tried to pay my bill with Chase online and then on the phone. And they informed me that they only accept payment from a checking account routing number. I have not used checks in over 3 years and pay all my bills online with XXXX or by debit card. When I told them that they just kept repeating that they required a routing number. I 'm going back in time just to please their antiquated payment method. They must be the only company out there that does n't accept XXXX or debit cards. Can they do that?
on XX/XX/2017, I was XXXX at XXXX XXXX. XXXX XXXX is a club located in XXXX XXXX, CA. They have a history of this sort of activity which you will see in the attachment ( Police Investigating.pdf ). I called the 3 credit card companies ( XXXX XXXX, XXXX, Citibank ) that I have cards with in the early morning on XX/XX/2017 ( approximately XXXX XXXX  when I came to ) letting them know that my card had been fraudulently charged. I immediately interrupted my travel and headed back home to Iowa as I was traumatized from the experience which is detailed in the police report which I filed ( Police Report - CC Fraud ). 

In terms of my interactions with the credit card companies that came to a satisfactory resolution. XXXX XXXX blocked all of the charges as fraud after my call and I owed nothing on approximately {$20000.00} charged to the card. No charges ever came through on any XXXX XXXX statement. XXXX was slower to respond and they had already processed the transaction with XXXX XXXX in the amount of {$4800.00}. It took over 5 months of working with XXXX to get them to reverse the charge and send me a letter explaining that I am not responsible for the charges. ( See XXXX XXXX ). 

Lastly, my dealings with Citibank. on XX/XX/2017, when I called about the fraud, they classified it as a dispute and didn't stop payment on the transaction ( this was an obvious error on their part, which was confirmed by the customer service representative that help me to get it classified as fraud ). When I noticed that the charge of {$9800.00} was still on my online statement a week later I called to re-inform them that this was fraud and should not be on my statement. The charge was then removed from my statement as they put it into fraud investigations. AS STATED ABOVE, THIS MISTAKE HAS RESULTED IN CITI PAYING THE VENDOR! I never received any contact/communication from Citibank on the status of this claim, but I called them on a monthly basis to get an update. When I called in XXXX, I specifically asked if the fraudulent charge would be on my account and subject to payment. The response from the customer service representative was no. I then found out through reviewing my XXXX XXXX bank account that {$9800.00} had been paid through auto bill pay to Citibank on XX/XX/2017. When I called and complained to Citibank in mid XXXX, they said that the charge would be reversed and they would credit my account until the investigation was complete. THE CHARGES WERE NEVER REVERSED. I have called the customer service and fraud teams on multiple occasions and have not had any luck in resolving this matter. I would appreciate the CFPB 's assistance in this matter. Attached is the history of communication from Citi ( See Citi Communication Summary.JPG ). The individual e-communications are also attached.
I was injured in an accident in 2016 and went to the hospital. I didn't have my insurance card on me at the time so originally the hospital didn't get insurance information. However, I gave it to them immediately after. Somehow, Wakefield and Associates was given my information immediately after that accident and before I got my insurance information filed. I told them in writing on their website when they sent a letter asking me to explain the event. I wasn't sure why a debt collector was aent my info so immediately ( within a week ) or why they needed an explanation of the case, but still sent it. They should have updated the debt to not existing since I paid the hospital and they never wrote back telling me anything after my insurance paid. Instead, they started calling me every single day from numerous phone numbers and have not stopped since then. I have blocked over 10 numbers associated to this company and they still call daily from at least 3 phone numbers. They are complete scam artists. Stop calling me!!
I had a crefid card i had a XXXX dollar credit limit without my consent they pulled a crefit report from a credit agency i called amazon / syncrony bank and askef them to explain why my credit limit was dropped in swich they said do to a credit scoring pulled from a credit agency in which all thats on my credit report was there when the account was opened i asked them to send me a copy of my consent to pull my credit report with my signiture they said it would take take 30 days before i could get that info asked the why so long would not give me a answer only that it is policy
Loan Application for a HELOC was started approximately XXXX weeks ago. After numerous delays we cancelled the application on XXXX XXXX XXXX. 

We then applied for a refinancing with XXXX XXXX due to a better interest rate and faster service. After less then a week we were approved by XXXX. XXXX just needed " proof '' that we have terminated our loan application with Wells Fargo. 

Wells Fargo originally stated that they can NOT terminate the application for XXXX weeks. Then, when we told them about XXXX needing a " termination '' letter Wells Fargo said we could NOT get a letter for at least a month. 

We are now jeopardy of loosing our {$10000.00} we put down as earnest money on a property we are buying. 

Wells Fargo is behaving like a mad child and we do n't think it is right. 

The XXXX loan officers involved are XXXX XXXX, NMLSR ID XXXX, Phone number XXXX XXXX XXXX, XXXX ID XXXX, Phone number XXXX ext XXXX Wells Fargo Application number : XXXX
My son was admitted into the XXXX twice this year back in XXXX and XXXX which caused me to miss work and fall behind on my credit card. I have called CONTINENTAL Financial co and asked for a goodwill adjustment and I have sent in goodwill letters. They have declined all request. I was effected by hurricane Irma and in need of a home. I am unable to be approved for a mortgage because of the late payments.
On XX/XX/XXXX, Simple Bank froze my account without telling me a reason why, but requesting bank statements for all external accounts linked to my account with them. As far as I was aware, the only linked account was the one from which the initial funding came, which was with XXXX, so I responded to their message with that information. After receiving no response, I looked again and noticed that there were two accounts I did not recognize that were showing up as linked to my account, so I sent another message stating so, and again received no response. I have called the customer support line multiple times trying to get any information about what is going on, if they need anything else from me, and to get an idea of when I could expect to be contacted or when the issue might be resolved. The customer service representatives claimed they were unable to provide any of this information and refused to transfer me to a supervisor or to provide contact information for anyone that could possibly answer my questions. I have been unable to access my funds for a week now, and Simple Bank is providing zero information to me. At this point, I have missed bill payments and have no money with which to buy groceries/gas/etc. and I have a rent payment coming up that I am afraid I will not be able to pay because my funds are inaccessible.
FST NAT COLL XXXX XXXX XX/XX/XXXX Open $ XXXX never signed contract and reported fraud. Open since XX/XX/XXXXFIRST NATIONAL COLLECTIOXXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Someone from XXXX MD accrued {$3000.00} in my name with XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX the debt was sent to XXXX XXXX. I received a call from Convergent trying to collect {$3000.00} from me. 
I have never used XXXX XXXX, and I have never even visited Maryland let alone lived there. I have been a victim of Identify Theft. 
I tried to contact XXXX, XXXX, and XXXX XXXX. The debt in still under my name. I have put a security freeze on my account until this issue is resolved..
XXXX XXXX XXXX XXXX in XXXX, XXXX - XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX performed services that were stated as covered under XXXX insurance only to receive bill of {$440.00} afterwards. Contacted attorney who wrote to this company asking for verification of charges be faxed to attorney 's office which was never done. One year later debt is now turned over to Professional Credit Service at XXXX. XXXX XXXX XXXX XXXX XXXX for collections.
After sending information to verify myself with my disputes XX/XX/XXXX, TransUnion has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from investigations. Please see items below ACCOUNTS XXXX  XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX/XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized
This company ( XXXX XXXX XXXX ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$3800.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
In XXXX helped my daughter get a loan, the gal told me because I did not have employment or received income tax refunds my daughter would be eligible for a higher grant.Her Father was the sole provider for our family until his passing in XXXX .The gal stated I was considered below poverty the grant would help my daughter.i have NOT received a bill on this. The IRS informed me I had a tax offset taking my entire refund and applying it to a collection agency for Dept. Of Ed. I am now the sole provider for my XXXX YR old grandchild and I received the XXXX for the sole purpose of caring for her.my daughter has her loan in deferment so she had thought that was it, like I said I have not been sent a bill, when in fact all these people I have contacted concerning this issue including the collection agency DO HAVE MY CORRECT ADDRESS.I believe I was falsely certified for this loan as I 've only filed income taxes this will be the second time in my life and I 'm XXXX years of age.The Dept.of education nor the collection agency has notified me of this issue.Like I said my daughter 's father was the sole provider for our family, until he recently passed away.Ive researched ALOT on this issue and found on dept.of Ed that if a payment has n't been made on a loan in 270 days then the loan will go into default..Dept. of XXXX informed me that the loan went into default on XX/XX/XXXX, AGAIN I 've received nothing on this loan .So it has been since XXXX it is now XXXX that 's roughly around XXXX some odd days, my question is how did this just now go into default then? Federal law requires you must be given advanced notice of proposed offset including the nature and outstanding debt, the notice must also advise you of your rights, AGAIN I 've received nothing.And the collection agency took my tax refund for the debt.On my refund I was only untitled to the XXXX for my XXXX YR old grandchild in my care nothing more, nothing less.I am in a financial hardship as I 'm now unemployed and expected that refund to get back on our feet for my granddaughter and I .I am requesting a tax offset refund request from the collection agency as they nor any other institution has informed me of this .I 've filed several complaints and still waiting.i could have gotten a deferment also had I been informed of this.
I have a fixed principal student loan with a fixed interest rate and a fixed monthly due date. I have made every payment prior to the due date. I have never been late and never incurred any fees or penalties. Nelnet sent me a notice that my monthly payment is increasing because my loan has been " re-disclosed. '' They say I have not paid a sufficient amount toward the principal because of the way Nelnet has applied my payments. How can Nelnet short pay my principal due if I have been early with every single payment? If they are insufficiently applying my payments to principal as per the agreed upon loan schedule, that is their poor accounting. 

I have written to Nelnet via their website with no response. They say it takes 5 business days to respond. It has been over 10 days. 

I have written Nelnet again directly by e-mail and they have not responded. 

Customer service on the phone knows nothing other than my loan has been " re-disclosed. '' If they scam me for $ XXXX, $ XXXX, that is {>= $1,000,000} in annual fraud based upon only XXXX XXXX loans serviced. That does n't account for the XXXX of accounts they say they service and it does n't adjust for any future improper re-disclosures they may decide to invoke. Re-disclosure on a timely paid account is a scam and a fraud. Please help.
My credit file was pulled without my authorization. The credit file he had was good until XX/XX/2018, it was not needed to pull one in XX/XX/2018.