WillisBack/dataset-financial-user-claim huggingface dataset:
My girl friend and I met with our Lender from City Wide Home Loans on XX/XX/XXXX at XXXX XXXX to discuss in more detail about our recent Pre-Qualification for a home loan that was done on XX/XX/XXXX at XXXX PST. While we were there discussing financing options the lender suggested that we qualified for a Nevada home loan assistance grant called " Home is possible ''. We were told this grant would help with our down payment and closing costs and that in 6 months to a year we would be able to refinance in to a potential lower APR rate and hopefully lower our monthly mortgage. While the lender was going in to detail about the grant he suggested that the Nevada Housing Division was changing their laws surrounding the grant and beginning XX/XX/XXXX the grant would become a " second loan '' instead of a grant and certain stipulations would apply where we would not be able to refinance for 3 years unless we paid back the remainder of the assistance we received. He told us that as long as we had an offer in on a house prior to this date the purchase agreement would lock in the deal and we would be " grandfathered '' in to the grant instead of the new " second loan '' and would still be eligible to refinance in 6-12 months. After we were told this we made a point to begin searching for a home as soon as possible. We came up very lucky and put an offer in on a home on on XX/XX/XXXX and the offer was accepted on XX/XX/XXXX. We were under the impression that because the purchase acceptance date was on XX/XX/XXXX, before the new law went in to effect on XX/XX/XXXX, that we would have the offer that was suggested to us. Now, 4 days before closing on XX/XX/XXXX, the lender told us that they submitted the reservation for the grant via email to the Nevada Housing Division on XX/XX/XXXX, but the Nevada Housing Division did not approve the grant until XX/XX/XXXX and since it was after XX/XX/XXXX we would only be eligible to receive the new loan and not the grant. After this, i was frustrated, so i called Nevada Housing Division to discuss my concerns further because the lender suggested that it was not their fault. Nevada Housing Division then told me that the reservations are not sent via email, as the lender suggested, and that the grant is reserved via their website directly from the lender and approved at that same time. We are moving forward with purchasing the home because we have fallen in love, but the misleading and lies from the lender were very discouraging. I feel this is a UDAAP violation due to the unfair and deceptive actions taken by the lender.
I have private student loans from XXXX different schools. I have tried to make payment arrangements on these loans, but the lenders are not willing to work out or offer an affordable or reasonable loan repayment plan. I receive letters and numerous phone calls with the same end result.
I have an unauthorized credit inquiry on my credit report. I contacted the company and they told me they could not remove it and to contact Equifax. I contacted Equifax and they have not removed it.
My name is XXXX XXXX, I along with my husband owned a home at XXXX XXXX XXXX in XXXX NJ XXXX. In XXXX of XXXX, we decided to refinance our home because the interest was high. We saw an ad on TV for XXXX. I called XXXX and Spoke to XXXX XXXX. he took our application over the phone, checked credit and asked for several documents to qualify us for the refinance. The refinance took about 3 months to be approved. We were offered a lower interest rate, a payment and we wanted cash out to pay off some high interest credit card bills and the balance was for my husband to purchase equipment for his new construction business.. We finally closed the loan on XXXX/XXXX/XXXX. The closing took about XXXX minutes. The closer just gave us document after document not allowing us to take time to read through anything. I asked her questions and she told me to call the Broker. Shortly after the closing she took all the documents with her, and left us with the HUD 1. She told us that we would get a complete package in the mail. I looked over the HUD - 1. To my surprise it was not what I expected, not the program we were offered. So I called XXXX the next day XXXX/XXXX/XXXX and asked why the closing fees were {$30000.00} and why the interest rate was different than what we were offered. He did n't have an answer for me. XXXX and I decided we did not want to move forward with the loan and asked XXXX if we can rescind. XXXX told us to write a letter, fax it to him and mail it to WMC mortgage. I faxed XXXX on XXXX/XXXX/XXXX and mailed the letter to WMC mortgage on XXXX/XXXX/XXXX. XXXX confirmed receiving the letter and also confirmed he will notify WMC mortgage. To my surprise XXXX calls me XXXX weeks later and tells me that the loan was not rescinded, apparently WMC had already funded the loan. Stymied by this news and concerned now that we had to pay this high mortgage of {$4600.00} per month, we had no options, so we started making our payments. WMC closing costs were over {$30000.00}, which was ridiculous. We did n't realize until a few years ago that this loan was a predatory loan. WMC was shutdown XXXX was shut down and soon my loan entered the hands of a XXXX Investor, who eventually committed mortgage fraud lied to the courts and evicted me and my family from my home in XXXX of XXXX. WMC is the first to blame for their deceptive sales practices. IF they had rescinded the loan as they should have I would still be in my home. The Broker disclosure form that we signed at the closer clearly states the broker will not be paid more than 2 %, yet I was charged 3 % {$17000.00} this absurd per the HUD. This is loan fraud. This was deceptive sales practices. This was abusive lending to the consumer. WMC defrauded my family and they should be held full liable for it. I have attached some of the closing documents to this complaint. I would like to be compensated for all my closing costs and in addition for the 4 years of pain and suffering. This was a predatory loan. It was a bait and switch scam as some may call it.
XXXX 2013 I Took out a XXXX dollar loan with XXXX XXXX. immediately I was charged a {$500.00} Processing Fee. when they money and the paper work came in I found out that I was paying 233.40 percent annum on this loan. I felt like I was getting taken advantage of because the way they processed the loan I was not aware that the interest rate was so high. My payment was XXXX per month. the total loan pay back was {$4800.00} and the interest pay back was {$3800.00}. My loan was transferred to Cash Call in California before my first Payment was ever maid. I thought something seemed fishy but I went on to pay the loan and pay it off on time. The loan was drawn directly from my bank account on ACH. I recently found out about this Lawsuit that the CFPD had with Cash Call and come to learn that Cash Call and XXXX was breaking the law with this loan and they were over charging interest and Processing fees to me. NC State Statute XXXX caps the interest rate at 30 % and only allows lenders to charge us {$25.00} Processing Fee. According to North Carolina Law I should have only paid {$360.00} in interest and Fees. I was over charged by {$3900.00}. List below is a loan calculator results with what should have been a legal loan with western sky and Cash Call. I certainly hope that CFPD follows up with this and I can see a refund of all the over charged interest and fees. 

Calculation ResultsThe calculation results for the loan payoff calculator appear below. 
{$1000.00} LoanMonths to pay off debt:XXXXTotal interest you will pay : $ XXXXTotal to pay back : {$1300.00}
The original loan was issued by XXXX and purchased by XXXX which issued false letters of default to numerous students throughout the United States in an effort to scare students into obtaining a loan at a higher rate to pay off the student loan. When I discovered this illegal practise and proved my case, my loan was somehow sold to XXXX ( a Government entity ). XXXX, to my knowledge, was never prosecuted for its ilegal actions. Numerous payments were made on this loan until I was under financial stress and asked for a deferment. At some point without my knowledge, XXXX became Navient. I had paid at least XXXX diffeent companies claiming to be an arm of XXXX including monthly withdrawals from my bank account. At some point after paying for a year the company unilaterally refused to honor the payment agreement and monthly withdrawals. Where did all of my payments go? 
XXXX refused to speak with me during the last three years. I could not get a representative to speak with me, claiming my account was in the hands of the other arms of XXXX. When unbeknownest to me, XXXX became Navient, I again received notice that I had not paid. ( remember that the arm of XXXX unilaterally stopped taking payments from my account ) Again, where di my payments go? I finally contacted XXXX, which now claims to be another arm of XXXX/Navient. They also refuse to give me a statement of my account payments, claim I owd several thousand more then I borrowed, including, but not limited to, fees added on to my account by said arms of XXXX / Navient. 

Meanwhile, the holder of my loan refuses to speak with me, refuses to give me a statment and history of my account, and refuses to make known where my payements went/ how they were applied, etc. 

This needs to be resolved to my satisfaction. It seems the Us government takes tax payer bailouts of banks which continue to abuse conumers and law abiding citizens, meanwhile, the banks getting away with ilegal activities. 

There are many more documents which are too numerous to scan. I am happy to copy and forward via regular mail upon request. These are just the most recent documents. 

The claim made by Navient is false and needs be remedied to my satisfaction. The failure of XXXX and the numerous arms of XXXX are complicit in their falsification of records, refusal to speak with former loan holders, fail to address the needs of loan holders, fail to speak with loan holders, fail to provide information and statement of account to loan holders, all of which are ilegal actions under the FTC and other organizations and laws protection consumers. 
I will pursue this to the full extent of the law if this is not resolved to my satisfaction. 
Thank you for your time and consideration of this very important and disconcerting matter.
Company is unlawfully attempting to extend the time limit on this account by reporting inaccurate information by falsifying when this account initially became delinquent. I have sent certified letters requesting validation which they have failed to respond to, but have illegally responded to the credit bureaus by verifying this debt as valid when the disputes have approached your office. I called your office on XXXX XXXX, 2016 and spoke to a man named XXXX. When I asked him to verify when this account was opened or became delinquent, he stated that he has no record as to when this account was opened or became delinquent and that they place random dates on credit profiles.
I received a message from CFPB on XX/XX/XXXX indicating a response was generated on case # XXXX from Wells Fargo Home Mortgage. I received a phone call from Wells Fargo on XX/XX/XXXX stating that there has been no change in status or their position, therefore no resolution. After reporting numerous times to CFPB these responses are not visible on your portal for me to view, & due to the inability to dispute their verbal response online, it is imperative that I file a new complaint. 

Despite several attempts to identify and credit my account for an unapplied payment, even though evidence has been provided, it has been ignored and denied. 

It appears that Wells Fargo performed a blend of Streamline Refinance and Hamp 2 modification on my account, and then changed the account number. The end result was not to my benefit. I was told I was being offered a modification. I signed the modification agreement under duress, even though I questioned the interest rate increase. I have been advised that a Streamline Refinance is not a modification. I have also identified a published Wells Fargo document that promotes the streamline refinance, and it states that if you accept the streamline refinance, the interest rate may be increased. I was told that the rate increase was the only way to get me to affordability, which never made sense to me. I believe I was never considered for or provided a genuine legal Hamp2 modification. I am now being told by Wells Fargo that I am not entitled to a modification ever. 

Information from published guidelines for Streamline Refinance Streamline refinances also come with their own list of requirements, namely that the refinance has a " net tangible benefit. '' In other words, it should help the homeowner, not just put money in the pocket of the loan originator. 
This generally means that the mortgage rate should drop by an amount that will eclipse any related fees, and/or that the loan is converted from an adjustable-rate mortgage to a fixed-rate mortgage. 

In my case, my current adjustable rate was 3.4, it was during a long period of time of very low interest rates, averaging 2.75, & rather than my rate being reduced to as low as 2 % as in HAMP2 guidelines, my rate was increased to 4.125, pushed out for 40 years, and subsequently the monthly payment increased by {$160.00} per month after 1 year, in violation of our agreement. Wells Fargo justified the increase by blaming the taxes and escrow account. The rate after the increase took away the entire monthly benefit of the pretend modification agreement, left me with a higher interest rate, a much higher interest period in the beginning, and many additional years to pay interest.
the lender initiated foreclosure within the early intervention period in violation of Regulation X, 12 C.F.R. 1024.41 ( f ). the lender also failed to provide our client with a Post-Foreclosure Referral Notice in violation of 12 C.F.R. 1024.39 ( b ) - A QWR was also submitted to the lender on  X/XX/17  and we request a response to this prior to proceeding to a FC sale date of  X/X/17
i was granted unemployment and was told i had to usethis bank to get my benefits. i saved {$220.00} from prev biweekly claim to pay my rent. on XX/XX/XXXX XXXX XXXX my benefits hit for {$680.00} bringing my balance to {$900.00}. At XXXX XXXX on the way to my job i stopped at XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX pa XXXX and used gas pump the zip code control was n't working so i had to use my pin #. at XXXX i used the card at XXXX XXXX on XXXX XXXX XXXX in XXXX pa heading to XXXX pa where my new job is.on my lunch break i went and purchased lunch at XXXX XXXX on XXXX XXXX in XXXX Pa. From XXXX XXXX to XXXX est i was on the clock at work as a bill collector. at XXXX XXXX i received a text message that my funds went from {$870.00} to {$7.00} stating i just used card at XXXX XXXX on XXXX XXXX XXXX XXXX XXXX nj for {$200.00} {$100.00} {$100.00} {$100.00} {$100.00} {$10000.00} {$10000.00} ans {$42.00} all withing 2 minutes. i immediately texted help and was given XXXX to call and make a complaint. I called advised them i only have one card and how could this have happened.They faxed me dispute form to my job XXXX fax # i filed out form and sent one page letter faxed back from my job with my job letter head about how i was a victim of fraud and needed help. Once i was notified 2 days later that the claim was put in the rep advised me no police report was needed because i had no clue who done this to me.i also advised the rep i could have my hr department fax my hours down to the minutes and they stated it wouldnt help my claim.i called daily for help because now im 2 months behind on my mortage .different reps refused to put manager on line just kept telling me after 10 days the funds will be back on the card. I still called everyday anyway to hear everything was fine just give them the 10 business days.after the 10 day i called and advised manager that the money didnt hit she told me it will hit by XXXX XXXX on XX/XX/XXXX when money didnt hit i called and demanded a manager. I was then told my claim was ruled as not a mistake and the claim was dropped. I begged for help and was told it was nothing they could do just wait for the paperwork of how they came to the result. please i need help
It took 4 months for Ally Financial to deny my loan. They scheduled closing dates then said my loan was denied. From XX/XX/XXXX to XX/XX/19. Continue to lead me on that thry only need more info. 4 months later. Still verifying my employment Every week underwriting changed criteria and needed more information for my application. I was pre approved in XX/XX/XXXX. Always excuses no reply rude employees not finishing my application. Then time affected my loan credit score and I was denied. If they would have processed my loan in a timely fashion I would be in a home. Now I cant go any place else XXXX XXXX ruined my chances for my loan.
Freedom Mortgage is my loan servicer for the last 26 months. Over the last couple of years, property values increased in our neighborhood so I wanted to see if I would be able to get the PMI canceled. 

I called Freedom Mortgage to understand the pre-requisites to cancel PMI and was told to get a new appraisal to see if LTV is
to whom it may concern upon further investigation, i have retained copies of my new credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law.you are required by federal law to place to a notice of dispute on my account within 30 days of my dispute which you signed for on XXXX/2018. i have retained a copy of your signature and date of receipt, as well as a time stamped copy of my credit reports, showing that you have violated the fair credit reporting act, section 623 ( a ) ( 3 ) and/0r the fair Debt collections practices act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period i took the final goodwill attempt to have you clear up the matter the listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. ( 3 ) Duty to provide notice of dispute. if the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any reporting agency without that such information is disputed by consumer ( b ) time notice ( BI ) the notice require under subparagraph ( A ) shall be provided to the customer prior to or no later than 30 days after furnishing the negative information to a consumer reporting agency described in section 603 ( p )
For over 7 years I have attempted to get detailed information regarding my loan, including but not limited to ; original loan amount, payments made, fees assessed, etc. It sounds ridiculous, I know, but no one has been able to give me the information requested. I 've spoken to XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, I have been given the run-around every time I call. 

I 've been making regular payments of the minimum amount or more for years and my principal balance is not decreasing, so I am questioning this. The more I 'm ignored, the more I believe something illegal may be happening. 

Also, I 've still not received a statement showing the interest paid in 2015 for tax purposes. Each year I have to specifically request this, some years it arrives, some years it does not.
On XX/XX/XXXX, I received a XXXX Cancellation of Debt notice from Wells Fargo Bank on the XXXX portion of an XXXX interest-only mortgage that started in XXXX. The debt description was a CFPB Charge Off with an Identifiable Event Code of " F '' ( By Agreement ). This closed account is now appearing erroneously with an " FP '' or Failure to Pay status on my XXXX and XXXX credit reports. In XX/XX/XXXX, I refinanced the remaining XXXX portion of the loan into a conventional 30-year mortgage. I request that the account be removed from my XXXX and XXXX credit reports. Thank you.
I disputed XXXX items under the XXXX law. All disputes were notorized and sent certified mail over a four month period. I never received copies of the original applications to these accounts as the bureau is suppose to have on file, and said items are still on my report against the law.
Hello, I have already tried to deal with this through XXXX, but they were zero percent helpful. There is no accountability in their dispute department, in fact you can't even speak with a human being, only write them letters. Here is what happened regarding my XXXX XXXX XXXX XXXX : On XX/XX/XXXX I got a notice from XXXX that I had missed my payment. It was due the day before, on XX/XX/XXXX. I immediately called them to make a payment, and also set my account up for auto pay so this would not happen again ( I have never missed a payment on ANY of my cards, EVER ). The gentleman I spoke to was nice in that he agreed to waive my late fee. He also guaranteed me that since it was only 1 day late it would not affect my credit score/report. He processed a total of {$32.00} which covered the missed payment as well as the current balance. He CONFIRMED WITH ME that the payment had gone through and that we were all set, so we hung up. His employee ID is XXXX. 

When I received my next statement from them ( see attached billing statement XX/XX/XXXX through XX/XX/XXXX ) it confirmed that I had indeed paid the {$32.00}. Please refer to the section that says 'minimum payment due : {$0.00} '. Also 'statement balance : {$0.00} ' And on the reverse side 'Payment received : {$32.00} '. This of course says that my account is in good standing. Right? 

The following statement ( attached statement XX/XX/XXXX through XX/XX/XXXX ) was higher than the typical amount I pay, so again I called them this time to ask about the transaction description on the back that is titled 'unable to locate account '. This was on XX/XX/XXXX. I spoke to a woman who was very nice, but didn't seem to have a good grasp of her job or what was going on with my statement. She was unable to explain to me what 'unable to locate account ' meant. I explained to her that I had called in last month and they had waived a late fee for me, and I asked her if that was the late fee still on my account. She said that was probably it but it should get resolved with my next billing cycle. I was now on autopay so I didn't give it another thought. Her employee ID is XXXX. 

There are transcripts of both of these phone calls. 

Flash forward to XX/XX/XXXX, when I glance at my credit score and see it has dropped by nearly 60 points! I naturally thought someone had stolen my identity, so I requested my free annual credit report. That is when I discovered that XXXX had reported a 30 day past due to the 3 credit bureaus. I called them directly which is when I started collecting all this information, but they said they were unable to help me. I had to submit everything in writing to their dispute department ( which has no phone number ). So I did that, as well as disputing it with the 3 credit bureaus. All to no avail. 3 days ago I got the return letter from XXXX saying they see nothing wrong, sorry, have a good life. 

It is criminal that they be allowed to perform their own investigations with no oversight, ignore factual evidence that PROVES beyond a shadow of a doubt that they are wrong, and issue judgement in a matter that can negatively affect someones livelihood.