WillisBack/dataset-financial-user-claim huggingface dataset:
I would like to file a complaint against the noteholder and servicing company for the mortgage on my primary residence. 

Im attaching supporting documents and letters for review as well. I believe I am a victim of mortgage fraud from XX/XX/XXXX and am still suffering from that experience. I filed for chapter XXXX bankruptcy in XX/XX/XXXX and the since the house was my primary residence it was discharged in the bankruptcy. 

I have been trying to get a loan modification for over 5 years that would bring the mortgage amount to at least to the fair market value. 

One of the issue appears to be valuation reports sent to me by the lender. The reports are biased in favor of the note holder. The comparables used are extraordinarily high and located in a much more desirable areas. They show an appreciation of over 33 % in 18 months which is impossible. 

I have made three monthly payments and each time the lender has returned them. They are claiming Im behind in my payments even though I have sent them in. 

More recently, SPS has retained an attorney and threatening to foreclose on the property. They offered a payment plan that was too exorbitant given my income. I have sent in the last three payments and they keep sending them back. They are demanding a lump sum of over {$29000.00} instead of agreeing to a loan modification with affordable month payments. 

Please refer to the attached letters and documents that show all the issues and correspondence from the loan I am reaching out to anyone that can help me resolve this issue since I do not want to lose my home. We really need the noteholder to agree to a loan modification so that we can have monthly payments affordable with our income as shown on our tax returns.
Portfolio Recovery Services has continued to pursue me over a credit card debt that along with many other was discharged in a bankruptcy proceeding. I have disputed the {$660.00} claim numerous times through the credit bureaus and PRS continues to provide false statements as to the validity of the debt. I am trying to buy a new home and at the advisement of my lender, decided to pay the debt in order to bolster my credit rating. Even though I have paid the debt in full ( which I believe strongly to be bogus ), they have not properly reported the collection as " closed '' to the credit bureaus and continue to report it as an open balance of {$660.00} and continue to call me to pay the debt. I recently read that this company ( Portfolio Recovery ) was ordered to pay back XXXX of dollars due to unethical practices, which lead me to file this complaint as I believe I am also a victim.
We fell behind on our mortgage a while back, the company we originally signed with, XXXX XXXX Loans, sold to Bayview Loan Servicing and we did not get informed of this as it was happening but rather thru the bill. Life happened around us, our oldest daughter had a XXXX that resulted with XXXX her mom. This daughter kept us occupied along with my own struggle of XXXX and my husband working XXXX jobs to try making ends meet. We did n't and fell further behind. We were approved with a XXXX program, but the 3rd month a submitted payment a couple days too late. We reapplied, over and over and over. Each time we were given hope it would be approved due to our medical hardship. This has dragged on For nearly 5 years. They delay with several letters at once, each contradicting themselves, even a lawyer looked over our papers and said as much. She of course told us we have a lawsuit against them. We just want to make our mortgage right and keep our home. Of course with " bad credit '' we ca n't get a loan to pay our past due balance and the mortgage company has put us off for so long we are in a foreclosure process. Again, we desperately want to keep our home and looking for answers to do so.
Today, XX/XX/XXXX I received a call left on my voicemail from a XXXX with the NP Group stating using location services to locate a XXXX XXXX XXXX and will start contacting people on reference file to locate me. I have received numerous calls regarding this from this company. Today, XX/XX/XXXX I called the number left on the recorder back at XXXX and spoke to a female that had information on me, I had not provided stating, I took a loan with XXXX in XXXX and was deposited in a XXXX XXXX XXXX and stated notes state, I had financial hardships on the account. To this day, I am experiencing financial hardships, currently not working and on Food Stamps and State assistance in the State of California. This company even contacted and harrassed my sister calling her on her cell phone numerous times trying to locate me. Note my sister has never been associated with any loan documents ever. Note, my car was broken into and all my records regarding this loan where stolen in the car theft. I have a police report to show proof. I feel National Principal Group is a predatory Bill Collection company that uses scare tactics and intimidation techniques to scare people into settling debt. This company needs to be educated in the Fair Debt Collection practices in the United States and these rogue collectors need to be reeducated.
My second mortgage, presently being serviced by SLS, is only in the name of my late husband, who died in XX/XX/XXXX. However, I signed the note, am on the deed, and have been making payments. I have been requesting a payoff for almost a month, since I have some life insurance proceeds to pay off this second mortgage. Today ( XX/XX/XXXX ), I spoke to a representative, who confirmed that I have provided them with my husband 's death certificate, letters testamentary from the county surrogate, and a copy of the deed evidencing my interest in the property, which is all that they need to change over the account into my name. However, he then told me that the company, by law, has until XX/XX/XXXX to change the account into my name, and issue a payoff and that I should wait until then to pay it off. I am a lawyer who practices in the real estate/estate administration field and have never heard of this. Is there anything that I can do to force them to issue a payoff sooner? I am concerned about just sending them an approximate amount, and worried about how long it may take for them to issue a discharge of the mortgage. Thank you.
I currently reside in XXXX, XXXX. 
I have called citicard multiple times to have a new replacement card sent to me in XXXX. 
The first time, they sent the card to an old address in CA and charged some kind of shipping fee without my consent. 
I called and they re-confirmed that they would send me a new card in XXXX and cancel the shipping fee. 
After the card did not arrive for weeks and I received another credit card statement showing a {$6.00} charge I did not make, I called again - this time they made me go through complicated identification procedures and then asked to call me at a U.S.-based  number for verficiation. 
As I do not live in the US, I asked citicard to call me at my international number or find some other way to verify my identification but they refused. 
They say they can not release any information about my card to me and will not handle my dispute until they can call me at a US-based number - but this is not possible. 
I have talked to several people in management and they still ca n't help me. 
In the meantime, the charge is still standing and I do n't know my new credit card number to initiate a dispute online. 
Please help me - receive a replacement card at my XXXX address - cancel the current charge on the card Thank you.
MY NAME IS XXXX XXXX MY SOCIAL SECURITY NUMBER IS XXXX DATE OF BIRTH XX/XX/XXXX PHONE XXXX XXXX ON XX/XX/XXXX MY CHASE XXXX XXXX   CARD XXXX XXXX XXXX XXXX CARD NUMBER XXXX XXXX XXXX XXXX WAS UNDER REVIEW BY THE REWIED DEPARTMENT PHONE XXXX XXXX HOURS XXXX TO XXXX I SPOKEN TO A LADY AROUND XXXX THAT CALL IS ALSO RECORDED I ASK HER WHY MY ACCOUNT IS XXXX XXXX AND THEN SHE TOLD ME THAT IT TAKES 10 DAYS TO COMPLETE, SO I ASK HER IF THEY CAN DO THE REVIEW QUICKER BECAUSE I HAVE TO PAY MY KIDS SCHOOOL BILL FOR PRIVATE SCHOOL, AND SHE TOLD ME THAT MY ACCOUNT LOOK OK IT SHOULDNT BE ANY PROBLEMS AND GETTING THE BLOCK REMOVE OFF IT I ALSO STATED THAT I APPILED FOR THIS CARD AND THAT ALL CHARGES ARE VALID. SO SHE NOTED EVERY THING I SAIS AND ALSO THAT CALL WAS RECORDED TOO, SO AROUND XXXX I GOT A CALL ON MY OTHER NUMBER XXXX XXXX THAT THEY COMPLETED THE REVIEW AND THAT EVERY THING MATCH ON MY ACCOUNT AND THAT THE BLOCK WAS REMOVE, SO I TRIED TO USED MY CARD THEN ALL OF SUDDEN THE BLOCK WAS STILL ON THERE I CALL SECURTY OPERATIONS AND THEY TOLD ME THAT EVERY THING WAS OK AND THAT WAS ACCOUNT WAS JUST OVER LIMIT THEN ALL OF SUDDEN I CALL CHASE XXXX DEPARTMENT AT XXXX XXXX AND THEY TOLD ME THAT MY ACCOUNT WAS CLOSE DUE TO HIGH BALANCE AND CASH TAKE OUT, I TOLD THEM THAT I SPOKEN TO SOMEONE ELES AROUND XXXX AND THEY TOLD ME THAT EVERTHING WAS OK ON BOTH OF MY CREDIT CARDS, AND THAT OTHER REP I SPOKEN TO SAID THAT SHE WILL FORWAD THIS TO HER SUPERVISOR TO TRIED TO REINSTATED BOTH OF MY CARDS. AND THAT SHE SEE THE NOTES HER ON MY CARD. MY COMPLAINT IS THAT CHASE XXXX XXXX XXXX DEPARTMENT XXXX UP HER BY CLOSING MY CREDIT CARD UNFAIRLY, THEY DISCRIMINATE HEAR BECAUSE THE OTHER PERSON ISPOKEN TO TOLD ME EVERY THING WAS OK AND I THINK THAT THEY CLOSE IT BY MISTAKE, I UNDERSTAND THAT I HAVE A HIGH BALANCE ON THE CARD BUT I HAVE TO PAY MY BILLS AND ALSO HAD TO PAY MY KIDS SCHOOL BILL, IM SURPRISE THAT CHASE SHUT DOWN MY CREDIT CARD AND I HAVE LITTLE BABIES, I WAS PLANNING TO GO SHOPING AND BUY CLOTHES FOR THEM CAN YOU TALK TO CHASE CARD SERVICES AND SEE IF THEY CAN REINSTATED MY CREDIT CARDS
Mid XX/XX/XXXX : I spoke w/ a rep. of Zwicker and Associates , regarding alleged debt to XXXX XXXX. I was told that I could settle for $ XXXX/month with a 3 year payoff or, a single lump payment of {$7900.00}. I told them that I couldn't afford that. I never confirmed that I actually owed the amount they stated. Out of good faith, I sent them a check for {$100.00} on XX/XX/XXXX and {$75.00} on XX/XX/XXXX. On XX/XX/XXXX, I was served with a summons. I was also informed by the summoner that I didn't have to appear in court and had 20 days to file an answer. On XX/XX/XXXX, I spoke with the Zwicker representative again. My friend, XXXX XXXX participated in the conversation over speaker phone as she did in the mid- XXXX conversation. She asked if I had to pay any of the costs to bring this to court if I settled this now. The woman said, there would be no fees. I agreed to pay $ XXXX/month for 36 months beginning on XX/XX/XXXX, although I couldn't afford it and had no proof that the debt was mine, because I was afraid of going to court. There was never mention of more payments after the $ XXXX/36-month agreement. Since I had no idea what charges were mine on the account since my wife of 12 years abandoned me a year ago, and took all paperwork, XXXX and I asked for a breakdown of all the charges to review. I received the balance summary of each month, which we spoke of, but never the breakdown that we explained I needed, to see the charges and review if there were fraudulent charges listed.I was told if I had a problem paying the {$300.00} just to call. We also called back the next day, XX/XX/XXXX, to confirm the arrangement. The $ XXXX/36 month payment was quoted due on XX/XX/XXXX. No other fees or amounts due was mentioned in that conversation either. I filed an answer with the court on XX/XX/XXXX with the verbal agreement included in the answer.The stipulation arrived via email on XX/XX/XXXX The stipulation states {$300.00} for 36 months, plus an additional {$320.00} each month on or before XX/XX/XXXX until the principal some of {$12000.00} is paid to settle the case in full. Additional attorney 's fees of {$420.00} is now also added to the amount owed for a total sum of {$12000.00}. Also in the stipulation that I could go into default if I couldn't meet the payment arrangement that was made. That was never divulged to me either.
Citizens Bank after advising me repeatedly that they were closing my savings account due to them wanting to discontinue the business relationship ; has in fact unfairly, held my savings account funds and all the while they earn interest daily on my funds nightly that they are holding. Are they paying me any interest? What you think? 
They have not provided me with a firm date that they will release my money and after going inside to visit 2 or 3 area branches ; no manager, banking representative or online banking customer service rep can help me. 
I have made a formal complaint # XXXX with their " Office of the Chairman '' dept at Citizens Bank, however, it could take many days or weeks and I ( being a senior citizen ) need my money right now! 
Please force Citizens Bank to release my {$150.00} they have frozen in my savings account before I drag their name through the mud and XXXX, XXXX, the Internet via XXXX etc, social media, talk radio, blogs, my church community and every where else that I can. I will fast and pray and not eat until they are destroyed and are bought by some other bank which would be more sensitive to seniors
My dispute is with capital one nd their redicilous fees and increase interests rate I always pay before the due date this month do to my unusually stress I thought I allready made the payment When I called the customer service I noticed high minimum due increase So noticed that I did forgot to make a payment Now is this ok for me to get punished this suvirly Capital one took very stiff harsh unnessadery action by increasing my minimum due and increasing my interest rate
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX 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.
Ocwen Financial Services LLC has refused to update my contact information in their system for the past five months. After having mailed in a request for address change as per their instructions three times in the past 180 days, my information has still not been updated in their system. 

Yesterday, XX/XX/2017. I called Ocwen and spoke to a supervisor who promised to send me an email at that moment to which I could respond with my written address change and that she would personally make sure it was taken care of that day. She never sent the email. 

I have wanted to pay off my mortgages with Ocwen financial for several months, but without the proper contact information, the release of lien for my loans would be sent to the wrong address. I believe that Ocwen is acting in bad faith. The negligence on their part has cost me thousands of dollars of additional interest payments. Just last month, I sent in a payment for over {$110000.00} to pay down the balance of one of my mortgages, hoping to at least minimize the additional interest charges I am incurring while trying to get this resolved. Instead of applying the balance to my principal, Ocwen placed it in a 'suspension ' account. This is reflected on the attached statement. Ocwen representatives called me several days after the payment was made to ask me 'what I wanted them to do with the payment ' even though their online payment form specifically listed it as additional principal reduction. 

I would like Ocwen to update my personal information immediately so that I may pay off my mortgages. I would also like to be reimbursed for all of the interest charges I have incurred for the past 180 days during which they have failed to act.
I was contacted by my employer about a XXXX XXXX from XXXX contacted them about a loan I had with another company. My employer stated that XXXX XXXX was trying to reach me about a collections case they had against me and they need to get in contact with me to get in contact with her. I was also contacted from my wifes employer with the same information to call XXXX XXXX about an outstanding debt. I have been getting numerous calls on my home phone where when my answering machine would kick on the caller would hang up with no message left. On XXXX/XXXX/16 XXXX XXXX from XXXX left a message on my answering machine and left information about a case number and to contact her a soon as possible. I had returned a call to the number she left and a gentleman named XXXX ( no last name given ) said that XXXX XXXX was not available and that he knew all the information about the call. This was before I even told him what the call was about. He told me that there company received a complaint from Check N Go that I had an outstanding balance with them which I partially disputed. While talking with him he told me I had to pay them {$2800.00} that day or I would be taken to court and sued for the money. I told him that I did not have that amount and he told me I could pay 50 % and had to come up with the other 50 % within 24 hrs. I told him I could not come up with that amount for the first 50 %. He told me that I would have to get the money from family or Friends or the case will be forwarded the next day. I told him I have not gotten any information on this from them and he said he would send me a letter to explain everything by certified mail and by e-mail. I got a so called explanation via e-mail but still nothing thru the postal service which he said he would sent. This has been one week ago ( XXXX/XXXX/16 ) and my mail has not brought me anything from them as promised ( XXXX/XXXX/16 ). As stated I have been getting the phone calls with no messages left. When I do get a message is very unprofessional and degrading. Today I was called at XXXX from XXXX XXXX about not following up with her company which in fact I did on XXXX/XXXX/16 when I talked to the XXXX XXXX. I answered the phone and told her that I have not received the information requested ( certified letter ) and to cease calling my home phone. I checked out XXXX with the XXXX and found out that they XXXX has a F rating with them and also was informed by the XXXX to not pay XXXX anything. I have been getting phone calls from XXXX with different numbers showing up on my caller ID with no company name attached. I found out who they were by reverse number checks. The number that left a message by XXXX XXXX was a XXXX cell phone but the company is located XXXX. They call XXXX4 times a day and leave no return call including from the XXXX number.
This company is illegal and the loan was is not valid in the state of Florida, they charged triple the amount of the loan in just interest and that is illegal in the state of Florida. I paid the principal only.
On XX/XX/XXXX16 at XXXX XXXX I withdrew {$300.00} from my checking account which incurred a XXXX overdraft fee as per the overdraft agreement. Since I signed the agreement willingly, I am fully aware that I would be charged a fee and had no issue with the fee for {$300.00} transaction, however I do take issue with being charged an additional {$37.00} overdraft fee for a transaction that occurred at least 6 hours prior to the withdrawal as shown by the banks own documentation and could have been paid, saving me from paying an additional fee. 
I feel that this is a perfect example of " stacking '', where the bank does not post transactions as they occur or as in " real-time '' as I consider it. The bank documentation clearly shows that the recurring expected transaction occurred on XXXX at XXXX, which would have meant that prior to XXXX on this same day, I had XXXX in the checking account and therefore, enough to cover the recurring expected transaction which would not have incurred an overdraft fee had the recurring item been posted as it actually occurred. 
I firmly believe the bank should reverse XXXX of the overdraft fees. I am perfectly willing to pay a fee for the withdrawal transaction as per the agreement I signed, but I should not have to pay a fee for something that I actually had the money in the account to cover.
This is a follow up to a complaint I filed with the XXXX about Capital One over a capital one card ( # XXXX XXXX. 

After repeated attempts to resolve my credit card balance with capital one and been mistreated, mislead, lied to and had my credit destroyed ... Capital One just recently sent my account to a company called XXXX ( XXXX ) ( ref. # XXXX XXXX XXXX contacted me saying they were now collecting, although they were very elusive when I tried to get them to admit that they had simply bought the debt. 

They tried to convince me to pay a certain amount by a certain date otherwise it would hurt my credit. They were not specific about how it would hurt it, they simply used that threat to try and convince me to pay what they wanted when they wanted it. They would n't negotiate, they did n't care about the circumstances. 

How is it legal for a company to sell off debt to another company which then has the power to further hurt one 's credit ... .without any of the context of the problem or without any due process? 

This new company refused to negotiate and continues to call me. I told them the situation and made them a more than fair offer, despite the fact that this debt should be settled with Capital One. They did n't even consider it. 

So basically, Capital One XXXX me over again.
Attempted to remove old addresses and addresses where I never lived from my Experian credit report. I was told that several accounts were connected to accounts and they refuse to remove aforementioned items. The addresses are : XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
I went to a XXXX gas station in XXXX XXXX Florida XXXX that I used charge me {$0.00} for gas when I got my card it is trying to charge me {$50.00} for gas that I never got I only got {$0.00} in gas and the pump stopped now the XXXX is keeping my {$50.00}
Cbna inquiry date XX/XX/XXXX Cbna inquiry date. XX/XX/XXXX Cbna inquiry date. XX/XX/XXXX Received these unauthorized inquiries on my account.sent a letter to the company to reslove the issue and have these taken off my credit report.i have not recieved a response and now km moving forward to have them removed from my credit file.