WillisBack/dataset-financial-user-claim huggingface dataset:
This is a complaint regarding an unethical mortgage SHELLPOINT MORTGAGE SERVICING. THE COMPANY HAS LIED AND FAILED TO OPT IN TO ACCEPT THE HELP OFFERED FROM KEEP MY HOME CALIF. the company shrllpoint single point of contact is a scam and fraud for 8 months he never returned any phone calls Everytime we call he has answering service never a live person we emailed and faxed the loan modification documents 17 times but shellpoint XXXX XXXX AND XXXX XXXX HAVE DONE NOTHING TO HELP no loan mod no principal reduction nothing. Once we were working with keep my home calif we informed the SHELLPOINT PHONE REPS AND EVENTUALLY ONXX/XX/XXXX we received the attached Notice of approval pending a loan modification from Shellpoint. Shellpoint point repeatedly lied stating they would wait and accept keep my home California program for principal reduction and loan mod but once the notice was issue shellpont has been u ethical when we call they lie and say they never heard from keep my home Calif at all. Now we know this is FALSE as SHELLPOINT INTENTIONALLY MAIKED A LETTER ON XX/XX/XXXX MAKING SURE IT WOULD NOT BE RECEIVED UNTIL XX/XX/XXXX AFTER THE XXXX XXXX XXXX AND THE LETTER BULLY THREATEN US TO MAKE 3 TRIAL PAYMENTS OF {$2400.00} a month when our income is only {$500.00} a week. The payments are NOT Affordable AND THE LETTER SAYS WE HAVE TP MAKE A Down Payment BY XX/XX/XXXX OF {$2400.00} or SHELLPOINT WILL FORECLOSE. XXXX XXXX AND XXXX XXXX HAVE NO ETHICS AND NO MORALS. THEY HAVE FAILED TO ACCEPT THE KEEP MY HOME CALIF PROGRAM TO BRING OUR UNDERWATER UPSIDE DOWN MORTGAGE CURRENT. They DO NOT TRY TO HELP HOMEOWNERS. SHELLPOINT IS ENGAGED IN Unethical ACTIVITY.
Tried to refinance vehicle with Auto Pay and had a very bad experience. Company took a month and a half only to inform us that they could not refinance vehicle for us. Told us not to make anymore payments to current lender therefore now we are faced with late fees and racked up interest fees. Company has bad communication skills. Could never get in touch with them, they would not return calls or emails.
1st call XX/XX/XXXX @ XXXX XXXX : Message left on cell phone X, this is XXXX XXXX contacting you from the process division. I received an order for you. It looks like two pending charges are subject to be filed. Now unfortunately because I am unable to reach you by phone I will be actively pursuing you at either your residential or place of employment. You have the right to contact the client to resolve your case voluntarily. Understand when located you forfeit that right. Your case number is XXXX and you can reach the office at XXXX. You have been notified. 

2nd call XX/XX/XXXX @ XXXX XXXX : Message left on cell phone X, this is XXXX XXXX contacting you from the process division. I received an order for you. It looks like two pending charges are subject to be filed. Now unfortunately because I am unable to reach you by phone I will be actively pursuing you at either your residential or place of employment. You have the right to contact the client to resolve your case voluntarily. Understand when located you forfeit that right. Your case number is XXXX and you can reach the office at XXXX. You have been notified. 

3rd call : Voicemail left with a random person - I was notified by email about it. 
Email to me sent at XXXX I received an automated phone message for you just now from some court saying this is their last message for case # XXXX. Here is their number XXXX. 

4th call XX/XX/XXXX @ XXXX XXXX : Message left on cell phone X, this is XXXX XXXX calling from the process division. I need to verify a current address as well as a business address. You are forfeiting your right to take care of this matter outside of court. We will contact your human resources department to follow proper protocol and procedure to serve you on the property. Again the client is willing to rectify this matter if they hear from you today. Their number is XXXX and reference your case number XXXX. This is my final attempt. You've been officially notified.
Mr. Cooper is rejecting my money. Mr. Cooper is trying to purposely put me in foreclosure and take away my home by purposely rejecting my payments. Please help!
My account was closed by XXXX on XXXX/XXXX/16 by the bank, however, I have earned rewards of XXXX Worldpoints that are clearly visibility on the website as I type this but I am unable to redeem because the account is closed. I called XXXX on XX/XX/XXXX and they said I would receive a letter in 5 days. Today XX/XX/XXXX, I received notice that because the account is closed I could n't redeem rewards. It was not my choice to close the account, and I should be able to cash out my rewards earned. Please have XXXX send me a check in the amount of {$1000.00} which I could normal redeem these rewards for if the account is open. It is bad business by XXXX to close my account without my consent. I have been paying the account as agreed with no late payments and should be able to cash out rewards. Please have XXXX contact me at XXXX to discuss sending my rewards or legal action may be required. 

Sincerely, XXXX XXXX
Due to a paperwork mixup,  Roundpoint  Mortgage thought they owned the servicing rights to my mortgage, but they did not,  XXXX  did. I am attaching the welcome letter from  XXXX , clearly demonstrating that  XXXX  acquired servicing rights effective   XXXX   XXXX  2017   . For  XXXX  months,  Roundpoint  harassed me asking for payments. Finally, after I filed CFPB Complaint #  XXXX , Roundpoint sent me a letter acknowledging that  XXXX  owned servicing rights and that I would be goodbye 'd by Roundpoint, which I have attached.     However, today,   XXXX   XXXX  2017   , I received a phone call from  Roundpoint  asking for my " past due '' payment for  XXXX . This is a payment that I never owed to  Roundpoint  because they no longer had my servicing rights at that time.     I need the phone calls from  Roundpoint  to actually stop.
I received a bill from CMRE Financial Services , Inc. about three weeks ago. 

I received a missed call from them yesterday. I would like to know why. What was the purpose of the missed call? I believe that element of bad intention and fraud does in fact exist regarding this matter. 

Secondly, I have requested numerous times from them to please provide me with proof that I owe this debt to them. However, they didn't provide me with the proof. 

I believe that I have not been treated fairly. Thanks.
I have contacted Applied bank several times about this account and I have also called them. They told me this account was sold to a Denovus corporation. Well I asked them if they are able to contact this company and ask them to call me. So finally the company called and I gave them the information about the credit card and I informed them that I had been a victim of identity theft and fraud and that this was not my account. But instead they insisted that it was so instead of arguing trying to get the information take off my credit I told them if we came to a settlement agreement I would pay the account off in full and I would then want this account deleted from my credit. Well XXXX told me that I could pay her {$410.00} plus another XXXX to pay for delete. I told her if I pay the XXXX you should delete it off anyway without me having to pay. Then she said and it will take us 45 days to delete it. I told her no I am not paying you to delete it off my account and I am not waiting 45 days. She said well that is the only way you will get it done or are you refusing to pay. I told her well to be honest I do n't have to pay it because I was a victim of Identity theft and fraud and its really not my account. so it should already be deleted without me having to pay anything. A letter was sent to you from my attorney and you ignored it and I sent in affidavit to you also and you ignored it so I am calling to either ask you to delete it or make a settlement arrangement and you telling me that you ca n't do it. she said no we cant. I said ok then I am refusing to pay until you can tell me you will go ahead and delete it I am not paying it.
Upon careful review of my credit files I found Company " National Recovery Systems '' attempting to collect a debt for " Medical - XXXX XXXX XXXX XXXX XXXX '' in which this is listed on my XXXX, XXXX and XXXX credit report under collection. Please remove this item as this is not reporting accurately and has caused multiple credit denials and delays with credit. Upon careful review I noticed I did not have a debt with this company ( No Contract ). It  appears you are a collection company, please provide my signature of ownership of this debt that is currently listed with a balance of XXXX with a closed status. Please remove this as this is reporting false. Furthermore I have never received a notice to validate this said debt. Please explain why this company is reporting this account as collection. Please attach copies of complete payment history, the requirement of which has been established Agreement that bears the signature of the alleged debtor Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) In addition if this debt has been paid please remove this item as this is not a collection account and has been reporting under my name.
I place a wire to XXXX/coinbase for XXXX on XX/XX/XXXX XXXX XXXX still havent receive my fund today. On their site it said fund will be available same day if wire before the cut off time XXXX XXXX PT. days later fund is still unavailable. Their customer support is unresponsive to this issue. Cant reach them by phone. I actually made a search online realize this is the norm and it happen to other customers as well. I wish the XXXX/Coinbase would provide a disclaimer. I hope they have a faster support team if they are providing this method of transaction. Customer that paid for wire transfer want their fund quickly not slowly. If they cant provide the support to resolving these issue quickly than dont provide the wiring option method.
In XXXX this collection account was removed due to fraud from XXXX, XXXX and XXXX, with a balance of {$2200.00}. It reappeared back on my credit report on all three credit bureau in XXXX with a balance of {$2200.00}.
My bank said I had Id theft so my payday loan fee was returned in XXXX, happened again in XXXX. The loan company said they would put me on a repayment plan starting XXXX XXXX 2015 I said ok. on XXXX XXXX 2015 Usacashservices.com took XXXX dollars out of my checking account causing other items to bounce. I called them to ask why when the payment was to be on payment plan XXXX monthly ( XXXX way too high still XXXX they told me just to take out another loan. I do not have computer at home so I had to walk over a mile in XXXX de heat XXXX. I panic so I applied like a dummy. now I am back into oweing interest I can not afford since it will take months to recover from money lost from id theft. is there a way to make them let me make payment. what they would loan me was less than what was needed to pay the bills and the fees the bank charged me so it was very little help and left me another XXXX in debt. with them your loan does not go bad until you miss 2 payments so you owe 2 fees of XXXX plus 2 months interest. so basically double of what you borrowed. they knew a month before I was fighting the bank. the only way out is to freeze their interest I just keep owing them more than I can pay. 
I owed them almost XXXX a sec after getting loan of XXXX so they were just ripping me off. I XXXX walking to use a computer for them and have not been able to walk to a computer since then.
On XX/XX/18 I notified HSBC via their Bank Mail service that a check had been honored on XX/XX/18 that was not written or signed by either myself or my wife. The check image ( attached ) on the website was blank except for the amount of {$40.00} that had been paid. 
I do not know how this check came into someone's possession that enabled them to present it, but I consider this to be a criminal act. 
Clearly it should never have been accepted by either of the financial institutions that processed it. 
HSBC 's response ( attached ) was not even understandable as English. 
I also telephoned the check fraud department whose only response was to tell me I should visit a branch to close the account and open a new one. 
I wrote to HSBC customer service on XX/XX/18 ( letter attached ) and have received no reply.
A payment XX/XX/17 of {$480.00} is still not applied to my account which is causing late/interest fees to my account which would be paid in full by now. 
I have worked with XXXX which mailed the check on XX/XX/17 -it cleared on XX/XX/XXXX being cashed by Dept of Education . 
XX/XX/17 XXXX  received ck # XXXX for {$480.00} cashed it on XX/XX/17 and sent the money back to Department of Education on XX/XX/17 in which no fees have been applied to my loan. 
With the transfer of accounts from Department of Education to Navient some fees were lost in the transfer -- XXXX & XXXX are checks shown as an example of this happening -- I have been working on fixing and paying off this account since XX/XX/2017 and have not been able to get a resolution. This affects my credit report, parent plus loans and fafsa applications.
We bought a new car on XX/XX/18. We are co-owners. The dealership submitted numerous applications to secure the loan. We were ultimately approved for the loan by a credit union for an interest rate of 3.99 %. XXXX  was one of the lenders that denied the loan. My complaint is that we did not receive our credit denial letters from XXXX  until today, XX/XX/18. We received one letter for each of us. The letters are dated XX/XX/18. The Fair Credit Act states that creditors only have 30 days to send denial of credit letters. It even states on the bottom of our letters that our credit was pulled from XXXX  on XX/XX/18. XXXX is obviously considerably over the time that the law allows.
Caliber home loans failed to pay our property taxes on time. As a result we paid taxes due on the due date. We were charged a transaction fee of XXXX dollars for using a credit card. Talking to them, they would n't reimburse us right away or pay the transaction fee. This is unacceptable, it 's our money in our escrow account. 
Loan # XXXX
Years ago, I helped my elderly mother-in-law XXXX XXXX with some issues she was having with her credit card companies including Capital One. They were charging her a very high interest rates and had charged for services she never ordered. In order to talk to them about the account I was informed that I would need to supply them with a Power of Attorney. I prepared and mailed the POA to them. I then filed my complaints with the companies and with Senator XXXX XXXXXXXX XXXX office. As a result, some adjustments were made to her satisfaction, so my mother-in-law continued her relationship with the Capital One. Now fast forward 10 years or so, I had occasion to review my mother-in-law 's credit card statement and found my name listed as an additional card holder. I never authorized that they add my name to that credit card, nor did the primary card holder. When this first came to my attention, I called Capital One, ( this was 4-5 months ago ), explained the problem and asked that they remove my name immediately. I also asked how they were able to open an account without my permission. They were not very helpful in that regard, but said they would cancel the card. Today I checked my mother-in-laws statement again and found that my name was still listed as an additional card holder. I called Capital One again and spoke to " XXXX ''. I explained the problem and he promised he would take care of it. The only problem is, that they needed my birthday or the last four digits of my social security number. I refused to provide this information, but told him that I would confirm the last four of my social security number, if they provided it to me. He said he did not have access to this information nor did his supervisor. As a result he was not able to help me. I provided them with the primary card holder name XXXX XXXX, the last four digits of her credit card number ( XXXX ), my name XXXX XXXX XXXX XXXX the last four digits of the fraudulent card they opened for me XXXX XXXX ) and the zip code of the mailing address ( XXXX ). They were able to find the account with this information, but their insistence that I provide my personal information is where the process broke down. I never signed up for this card, so I not only want this card canceled, I would also like to know how they were able to add my name to her account. This sounds like the XXXX XXXX fiasco all over again. 

Primary Card Holder : XXXX XXXX Full Billing Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX
I had a collection account with National Credit Adjusters for a account with XXXX XXXX. The amount owed was {$4000.00}. XXXX XXXX contacted me and said that they now owned the account so I settled the account with them. The account has been settled paid in full. NCA will not stop calling me even after disputing the account as paid. They are telling me that I still owe them on the account. I have a paid in full letter from XXXX.
Navient will only offer graduated payments which makes my student loan payments over {$2000.00} a month. I 'm a XXXX!! I 've explained to them many times we have nothing to live on, much less keep a roof over our head with a payment like that. I 've managed to keep it in hardship forbearance for several months now. A few months ago my student loan balance was XXXX, as of today it 's XXXX. I have not borrowed another cent since 2012. I 've tried to pay what I can on them, but XXXX a month is just too much on a XXXX 's salary. Besides, is there not a loan forgiveness program for XXXX at XXXX XXXX XXXX?? I asked and was bluntly told I was n't eligible even though I 've been at a XXXX XXXX XXXX  for 9 years! Please help!! These people are going to make me XXXX and homeless!
I continually receive robo calls from a company claiming to be Pro Collect, but I have never received anything in writing from them as to what the debt is. The number shows up as ( XXXX ) XXXX on my phone, but message states to call ( XXXX ) XXXX. Today, XXXX/XXXX/2016 they called and left a voicemail at XXXX. I have a screenshot of my phone log showing the call.
I checked my account on XXXX XXXX and all my inquires were deleted and now I just checked it again and they are all back on.
I attended  XXXX  University in  XXXX   XXXX , NJ from   XXXX   XXXX   to   XXXX   XXXX   as an  XXXX  in the   XXXX   XXXX   XXXX  . I did not like my major and college in general was not working out for me. My grades were okay to start off and then proceeded to get terrible by   XXXX   XXXX  . I took a leave of absence which turned into me just dropping out. Each year had costed about {$20000.00} total and so my total in borrowed money from the private student loan company "  Salliemae '' w as about {$29000.00}.  XXXX  loans were used,  XXXX  for {$22000.00} and  XXXX  for {$7000.00}. The interest rates are  11/38 %  8.88 % and they 're fixed rates and can not go down. I just moved out of my parents ' house living in an apartment on my own and I 'm realizing how difficult it is to keep on paying the monthly payments I have been paying for the pas t two  years. Since   XXXX   I 've been paying {$580.00} monthly total in student loans, {$450.00} to Salliemae and {$120.00} to a federal student loan.     Recently I called Salliemae explaining the situation and asking if there was any alternative monthly payment plan and they said simply no. They said that income based repayment plans and things of that nature are for federal student loans only, not private student loans. They went on to explain that the only choice was basically to be late with my monthly payment, get a late fee applied to my account of no greater than {$25.00} and they wait for the collections agency to contact me about collecting the debt. This is what I 'm currently doing but I 'm afraid it will ruin my credit and I 'm afraid that Salliemae might take money directly from my paycheck.
When I went to the dealer, I signed for my credit check so they can see my credit and offer me a loan rate as they offer up to 0 % financing. The sales person told me that my credit score will give 8 % APR financing. I checked my credit score that night and it was already impacted for this credit check from Toyota. So I decided to continue and buy the car I found there. A couple of days later they have the car ready, I get the insurance and I was ready to sign for the car. When I was in the financial office, the person who attend me told me that my credit score was too low and they only way they can " help me '' to have the 8 % APR was if " I help them '' buying the extended warranty. It increased the final price for almost {$4000.00}. I told them I did n't want the extended warranties and all I want was the car and the 8 % finance initially offered. The person in charge of the financial office was pressuring me to get the extended warranty, as I refuse to take it he told me that the APR will be 9.44 %. As my credit score was already impacted and I 've spent many hours in this dealership I did n't want to go to other dealer, I decided to take the car and sign with the 9.44 %. I think that this sales tactics, pressure and confusing information is not correct. Why they offer and initial APR but do n't say that is subject to buy extra services that increase the final price of the vehicle. Also this person who I do n't remember his name at the moment, was very rude, unprofessional, and was acting like he was doing me a favor not treating me as a customer that is buying a car. He said " if you do n't like the way I do it, you can go to other place ''
I previously had a student loan serviced by XXXX ; the loan went into default and was transferred to another servicer. I completed a loan rehabilitation program on XXXX/XXXX/XXXX and all derogatory information pertaining the payment history was supposed to be removed from my credit reports ; XXXX is the only servicer still reporting negative payment history and they are refusing to remove that information. I spoke to XXXX by phone on XXXX/XXXX/XXXX and was advised to send documentation via email verifying the loan has been rehabilitated and is in good standing ; I submitted all the requested documentation on the same day and was told I would receive a response within 3 business days- I have not received any communication. I filed a dispute with Experian, XXXX and XXXX & sent them supporting documentation. XXXX is still investigating the dispute, XXXX has failed to even acknowledge the dispute or open an investigation and Experian has already completed the investigation and is refusing to remove the negative information because they say XXXX validated the information. The loan was rehabilitated and is in good standing with the current servicer, the guarantor and the Department of Education. There is no reason why the negative information should still show up and I would like for it to be removed as it is detrimental to me.
I have started since more than 30 days ago to get the   XXXX   credit reporting agencies  XXXX .. XXXX  AND  XXXX  to up dated their records regarding to certain accounts. and collections listed as paided and showing that they are.. and to this day they are not correct..
.. COAST TO COAST FINANCIAL.. PAIDED IN FULL..2.  XXXX   XXXX   XXXX  /CREDIT CARD..INCORRECT BALANCE.. XXXX  ... 3 ...   XXXX   XXXX   XXXX  .NOT PAST DUE INCORRECT BALANCE.4.  XXXX   XXXX   CREDIT CARD..INCORRECT BALANCE.4   XXXX   XXXX   XXXX   .. INCORRECT BALANCE. 5. S  XXXX   XXXX   PAIDED IN FULL..