WillisBack/dataset-financial-user-claim huggingface dataset:
CitiCards payment processing process violates XXXX because of their unfair deceptive and abusive practices. I tried to process a payment online on their site on XXXX, and because there was an online issue with selecting the XXXX as the payment date, they had me call in to make a payment over the phone. The phone rep was unable to assist me and did n't explain as to why which I thought was very deceptive. I went back online on the XXXX and had no choice but to elect the XXXX as the processing date. Now my payment is late and there is a late fee associated because of your unfair deceptive and abusive practice. The late fee will also affect my APR which is also unfair. The payment site should have transparent disclosure on the processing payment site and not deceive their customer.
On, XXXX XXXX, 2016 we were denied a Loan Modification by Wells Fargo because they say our income is inadequate ..., we qualified for the loan mod process because of the unemployment criteria ; I have been unemployed since XXXX XXXX ' and I am in school with XXXX XXXX program, funds of {$7500.00} while I am in school ... even tho it is n't required by XXXX XXXX XXXX, I have been steadily looking for work and interviewing. Its seems peculiar to offer loan mods to people on unemployment and still expect them to achieve a debt ratio of 38 % -what is the point- that 's what a conforming refi requires ... I requested Wells Fargo to please provide more transparency regarding the specific criteria, rules & guidelines that our " investor '' has outlined- they said they need to research this ... ''. I am concerned that Wells Fargo is stalling and does not want to provide this data to us, and we were denied the loan mod because they do not want to lower our interest rate. Their " underwriters '' were privy to he Investor guidelines in order to deny us so, why not be transparent.
I was going through my credit report and noticed same items that i been trying to dispute and validate with the credit bureaus ( transunion, XXXX, and XXXX  ), and the original creditors, debt collectors, collections, etc, but yet to be resolved. I've attempted to contacted them several times through mail, and phone calls, but yet to get them resolved. I've haven't received any responses from them, and would like this to be addressed, updated, corrected and deleted. Although I understand that errors, and mistaken might happen, but would like a thorough investigation done and prompt resolutions.
I received a copy of my credit report which showed a creditor,  Paramount Recovery Systems , a collection agency, in the amount of {$710.00}, reporting to all three major credit bureaus. I contacted the collection agency and requested that they validate the debt and provide me with proof of the debt. In response they provided me with an itemized medical bill showing medical procedures, diagnosis and summary charges. This is a violation of the HIPAA law as the collection agency should not have access to this information. I am happy to provide this information upon request.          Paramount Recovery Systems   XXXX   XXXX   XXXX   XXXX , TX  XXXX
I have a mortgage with this company. The mortgage closed in XX/XX/XXXX. The complaint is in regards to MIP ( Mortgage Insurance Premium ). The mortgage insurance premium was supposed to be when the loan reached a loan to value ration of 78 % or lower and 60 months of consecutive on-time payments have been met. I have met both of these criteria. The previous mortgage company that sold my mortgage to Home Point said I met the loan to value criteria. And that MIP would be removed on the XX/XX/XXXXbill. The value and original loan amount was for $ XXXX. I currently owe {$160000.00}. Which makes loan to value at 73 %, which is also what XXXX  told me.

Well on XX/XX/XXXXand XX/XX/XXXX I am still getting charged the MIP of {$180.00} a month. I've paid this for 2 months when I should not have. I believe I will continue to pay this because Home Point is not responding to my questions or emails. The previous communications with XXXX   were not copied over to Home Point Financial online portal when Home Point bought my mortgage from XXXX.

I've sent the mortgage company multiple questions via their website. Attached is the latest communications that show they have not answered my question. I called Home Point a month ago asking about this. Had to wait 30 minutes to talk to someone. When I was finally connected to someone they were unable to help me. But said they would have someone call me in a couple days. Well they never called me. The person I spoke to also said if I mailed a letter to Home Point asking them to remove the MIP, they said they would remove the MIP. I mailed them a letter. They never responded to the letter either. The MIP is still on our account.

Ive also tried to contact them via their portal. See attached.

Home Point did not follow through on their commitment to remove MIP, did not call me like they said they would, and they did not respond to my letter like they said they would.

I would like some assistance with the company meeting their commitments.
Received a phone call today ( XXXX ) from ( XXXX ) XXXX stating they were calling to collect a debt from XXXX from XX/XX/XXXX. When I asked to verify what was purchased, she stated because the debt was so old, they would n't have that information. She said the company was " contact calling ''. I refused to communicate any further without proof of purchase, as it was almost 20 years ago. Do n't call me again.
Starting XXXX XXXX, XXXX, the three major credit reporting companies - Equifax, XXXX and XXXX - were to enforce stricter rules on the public records they collect, requiring each citation to include the subject 's name, address and either their Social Security number or date of birth. As of XXXX/XXXX/XXXX, the inaccurate inaccurate information is still reporting on my XXXX credit report.
I have been having several difficulties since our mortgage was transferred from XXXX, then GreenTree Mortgage and now Ditech mortgage company. Since the transfer, my husband and I have noticed that our monthly payments are not being applied correctly and the mortgage company and we feel like we are being scammed. We pay additional money each month where we request that the additional amount be applied towards the principal and escrow. The mortgage company does not supply payment books that allows us to pay extra towards the principal and escrow. When we spoke to them about our issue, they spoke to us in a condescending manner and tried to make us appear stupid. We were told that they could not provide us with a payment booklet that would allow us to show how much of our additional payment should be applied to principal and escrow. In fact, we were advised to write it out on our payment statement and then we have to call each month to inform them how to apply it even after we had written it out. My husband and I are both elderly and I 'm in a XXXX. We feel that this mortgage company has made it very difficult for us and have taken our additional payments. When we receive our monthly statements, we notice that our additional payments are not being applied. Where has our additional payments gone? We are elderly but we will not sit back and be taken advantage of by this mortgage company. When our mortgage was transferred to GreenTree, we never received a check for the extra funds that we had paid into the escrow account after our taxes and insurance was paid. Where are those funds?
Violations of numerous Federal and State Laws and Agreements to include : The Dodd-Frank Act, Title 12 Chapter X 1003HOME MORTGAGE DISCLOSURE ( REGULATION C ), Title 12 Chapter X PART 1014MORTGAGE ACTS AND PRACTICESADVERTISING ( REGULATION N ), Title 12 Chapter X PART 1024REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ), Title 12 Chapter X PART1026TRUTH IN LENDING ( REGULATION Z ), New York General Business Law 349, Fair Debt Collection Practices Act, Gramm-Leach-Bliley Act, as well as breach of representations and warranties.

A propertys legal description identifies it and distinguishes it from any other property. An error in the legal description of record becomes an obvious title issue and has a significant effect on any applicable documented agreements. In this case, three recorded defective mortgages. As outlined in attached, the clear and convincing evidence provided illustrates that both XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX lack of quality control procedures, due diligence, breach of representation and warranties, attention to detail, unethical business practices and non-compliance with relevant underwriting guidelines and applicable laws has rendered all three notes and mortgage agreements ( XXXX, XXXX, XXXX ) completely invalid and unenforceable. Both XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX conduct is indicative of fraud on borrowers, fraud on investors and a fraud on the courts ; especially when wrongful notifications and summons for foreclosure are brought forth by both parties without having clear and convincing evidence of a bona fide security interest in a property. In several ways, both companies negligently originated, recorded, serviced, securitized and/or sold these significantly defective loans to the secondary market, which are predominantly and legally null and void. Their unconscionable and seemingly unethical actions have caused great stress and anguish upon my remaining family as we continue to grieve our parents loss and are forced to defend the loss of our childhood home. Knowing the debt was invalid and unenforceable ; XXXX continues to threaten our childhood home of nearly 50 years with foreclosure, without cause. New York General Business Law 349 strictly prohibits such evident and deceptive trade practices or acts that are being committed by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Our proud, hard working, yet financially unsophisticated parents, fell victim to predatory lending and deceit. See attached evidence.
We have a mortgage with Ocwen Loan Servicing. We have been attempting to get a loan modification with them for more then 2 months now. We have sent them all the paperwork they require but everytime they call us they say something is missing. Then when we send them what they ask for they say something else is missing even though we ask them when we call if there is anything else required and they say no. The customer service reps have repeatedly lied to us saying things like we have not received this documentation so then when we email it they then say oh yeah we did get that but something is missing from it even though it is exactly what they requested.
At the end of XX/XX/XXXX , I made payment to Chrysler Capital in the amount of  XXXX  $ for  XX/XX/XXXX  XXXX   XXXX  through a supervisor. A portion was deducted for a processing fee which was greater than  XXXX   XXXX  A hold was placed on the account so that my debit card payments were denied,  XXXX   XXXX  payments were not accepted and pay by phone options were denied to me. On XX/XX/XXXX  an agent from the office of the president lifted the restriction stating that it should not have been placed on the account and another payment was made by me in the amount of  XXXX  $ via  XXXX   XXXX . On XX/XX/XXXX , my vehicle was scheduled for repossesion. My address has been changed previously without my consent, and I had to c all to have it changed back to the previous address. Telephone numbers have been added and subtracted from my account without my consent. Some of the agents are rude and abrasive, others are amazing ; ( the amazing ones are far and few between ). My biggest concern is the lack of consistency from one agent to the next. The information that I receive differs from agent to ag ent. I have been with this company for the greater portion of 3 years. I do not see where my balance has decreased much at all, but the harrassment has definitely increased. My loan should be completely paid within the next 2 years. I will not repeat business with them.
I, as many people my age, was told I needed a degree to get a descent paying job. I was n't able to afford to pay for college outright so I was forced to take out student loans with the promise that I would earn enough money after graduation to make payments in them, and make a living. I now work just to make payments on my student loans. The XXXX loans ( with XXXX different servicers ) have more than doubled in amount due since graduation. I, also like many people my age, was unable to find a job that covered my minimum monthly payment ... much less a job that was even in the degree I studied for. This forced me into " income based repayment '' programs that barely ( if at all ) even touch my principle balance. I make payments every month and my loan amounts keep rising. Recently, with Navient, my " program '' lapsed, and they stopped withdrawing the monthly amount. I tried more than several times to call them only to be left on hold for over an hour, disconnected on, or just endlessly transferred to people who could n't properly explain the different loans, and the money I owed. When I finally got through to someone who said they could help me ( now 3 months past due ) I was told I re-qualified for the " Income based repayment '' but when I tried to set up the payment was told I had to also set up payments for the past due amount. With my bills continually rising, and my hours at work being cut, this was n't an option. If I could give my degree back in order to put of this the DROWNING amount of debt I would! I work hard, and want to pay my bills on time, but now that I owe more than double what I borrowed it has become impossible. I get around 7-8 pre- recorded phone calls from Navient every day, and this is a huge point of stress that I deal with EVERY day.
This is a parent plus loan. School closed navient serviced the loan i paid 19 months on the loan. XXXX College closed 2 months after my daughter start. Filed a dispute it was determined the school ive mailed all the neccessary documents required. Stilling getting the run around. There is a refund involved. I have fax certifcated mail return items still no results.
In receipt of the latest correspondence and again duplication of the same information WFHM continues to send in response to my submissions to the CFPB. XXXX XXXX sent the latest outline of her findings, in which she states that we 've carefully research these matters and are providing you with an update on our research. It 's as follows : 1 ) Communication within WF 2 ) Requests for compensation for late fees 3 ) WF commitment to customers 4 ) Payment history 5 ) Chapter XXXX bankruptcy reaffirmation 6 ) Credit Reporting 7 ) Status of account 8 ) Written communication only 9 ) Savings account concerns She ( XXXX XXXX XXXX, further states, we previously responded to ( most ) of the above concerns in the past, we are providing this response in summary of all information requested in lieu of a letter indicating all of the prior enclosures, per your request. 
These are generated and recycled responses and made with no documentation attached, which I have received since holding the loan. My goal is for WFHM to produce to the CFPB written documentation ( clear and concise ), detailing my correct payment history that corresponds with my attached bank statements and written documentation sent to XXXX XXXX and the NC courts detailing reaffirmation. This details my request to CFPB ; 1 ) Written documentation of my correct payment history 2 ) Written documentation of reaffirmation sent to XXXX Law Office/NC Courts 3 ) Written documentation of reporting my mortgage to all credit bureaus 4 ) Written documentation of money taken from the savings account prior to closing 5 ) Written documentation of WFHM grace period policy 6 ) Written documentation of how my cash payments were applied when I personally walked into the WF branches and made payments ( time stamps, dates, persons whom processed the payments, etc. ) 7 ) Written documentation and assurance that no accounts were opened in my name 8 ) Written documentation of any interest gained on the money WFHM accrued while holding funds and not applying them directly to my mortgage It is my hope that I have clearly and concisely outlined any and all concerns of requests the CFPB and myself would like answered.
On XX/XX/2018 I found that my Capital Once credit card account was canceled by the issuer. This happens to be one of my oldest accounts so this was detrimental to my credit score. On XX/XX/XXXX at about XXXX XXXX, I called Capital One 's support number and asked for the account to be reinstated and was informed that they could not do so, because the card had not been used for 36 months. I received no notification of the cancellation and wold like the account reinstated.
Experian is preventing me from submitting a dispute regarding outdated accounts that need to be removed from my credit report. In addition, there are two hard inquiries on my report that are not disputable online and need to be removed from my credit report. They are the following : XXXX XXXX/XXXX  XX/XX/2019 XXXX XXXX XXXX XX/XX/2019
Wells Fargo local bank at the XXXX in XXXX Georgia,XXXX open a unauthorized credit card account in my name about four years ago. I spent a lot of time and money with the bank, credit bureaus trying to get this fraud corrected.
The wrong balance have been reported for my student loan, when I left XXXX college I paid money before I walked off the campus to a young man who worked in the office. He was leaving and so I trusted him to receipt that he had got that cash. I continue to do my paperwork, and even talked to XXXX XXXX rep on the phone, who told me what paperwork I needed to turn in while still attending another college. I faxed it in to XXXX XXXX, however they started taking money from me in XXXX, I disputed the amount on my credit report as wrong, XXXX, they continue to take money but reported the same amount on my credit report with no change since XXXX.Each time I went to get a loan, a house the amount would show the same amount from XXXX and it would not show that they had received payment or even now when I have money coming out of my card they said they could not show the amount coming out to increase my credit rating.
I applied for a loan with Quicken loans about a month ago. I let them know at that time that I had given up a property recently because I could n't afford to keep it any more. So they knew it went through foreclosure which would negate the type of loan that I wanted. So I was told that I had to pay XXXX for an appraisal before the deal went any further. A few days after that I was turned down because of the foreclosure which they knew about before I went ahead with the appraisal and now they are refusing to return my money or to send me a copy of the appraisal.
On XXXX/XXXX/XXXX, I received a certified letter from Capitol One stating that the company had decided to forgive any remaining debt on a loan and release any interest it had to my home due to a bankruptcy filing. The problem is that I have NEVER had ANY type mortgage loan with Capitol One. Immediately I tried to contact the company to inform them of this fact but to absolutely no avail. When I personally researched further on the internet I found that Capitol One had bought a company, XXXX XXXX Bank, XXXX XXXX. That company ( XXXX XXXX Bank ) was listed in our our chapter XXXX bankruptcy filing XXXX, XXXX. I was granted a discharge from this debt by the XXXX Bankruptcy XXXX XXXX XXXX, some ten years BEFORE Capitol One acquired XXXX XXXX and 10 years AFTER that account was closed by the court 's granting of the discharge. Capitol One 's actions of supposedly forgiving this debt and issuing a XXXX is actually a de facto attempt to reestablish a debt that was legally discharged some 17 years prior. In addition, the account number nor the property address listed on the Capitol One letter that I received XXXX/XXXX/XXXX, were the ones that were actually listed on the formXXXX creditors holding secure claims that was submitted to the court when I filed XXXX, XXXX for bankruptcy protection. I have continued efforts in trying to contact Capitol One by certified XXXX postal mail and visits to a local branch to rectify this disturbing situation for my wife and myself but again to no avail. I find these actions by Capitol One to be both despicable and fraudulent. I would greatly welcome any help in correcting this matter. My wife and I have worked extremely hard in rebuilding our lives and credit history. It was with tremendous reluctance when we were forced to file for bankruptcy protection so long ago. I was under the belief the discharge granted by court in XXXX would have protected us from this type of fraudulent and disturbing corporate activity. I have all supporting documents and I welcome the opportunity to provide them to you in the resolution of this matter. Thank you.
Regarding complaint XXXX, Transunion advised there were able to verify a collection account on my credit report as being accurate via a third party. Their response was sent on XX/XX/18, but I received a letter dated XX/XX/18 from the creditor stating the information was going to be deleted. XXXX XXXX XXXX responded to my complaint and advised they are removing the inaccurate data from my credit files on XX/XX/18. How can Transunion report the data as accurate and updated? I don't understand the logic behind their response or their verifying process.
AS I HAVE DONE SEVERAL TIMES BEFORE I PLACED AN ORDER N XXXX AND BOUGHT ONE BUNDLE OF 26 INCHES OF XXXX XXXX XXXX. THE ORDER TOOK FOREVER TO REACH ME AND WHEN IT DID THE BUNDLE OF HAIR WAS AWFUL. IT WAS DRY AND IT SHED LIKE A DOG. I CONTACTED THE COMPANY AND TOLD THEM ABOUT IT AND THEY ASKED ME FOR MY PAYPAL ACCOUNT. I GAVE THEM THE INFORMATION AND THEY REFUNDED THE MONEY. BUT THE COMPANY WANTED ME TO GIVE THEM 5 STARS AND I REFUSED TO LIE SO I TOLD THE TRUTH ABOUT HOW AWFUL THE HAIR WAS. WELL AS SOON AS THEY SAW THE REVIEW THEY CONTACTED PAYPAL AND LIED AND CLAIMED THAT THEY SENT ME MONEY FOR A PRODUCT THAT THEY DID NOT RECEIVE. THEY BECAME ANGRY ABOUT THE FACT THAT THEY GOT A BAD REVIEW. SO THIS MORNING I GET A EMAIL FROM PAYPAL TALKING ABOUT THEY PUT RESTRICTIONS ON MY ACCOUNT AND TRIED TO DEDUCT THE MONEY BUT IT WAS NOT THERE. WELL IT WAS NOT THERE BECAUSE I DON'T OWE IT. THE NAME OF THE COMPANY WAS XXXX. THEY EVEN GAVE PAYPAL A TOTALLY DIFFERENT COMPANY NAME.
I have tried on several occasions to work with the mortgage company and they denied the modification. But the problem is the mortgage company is not supposed to be practicing mortgages any longer and they sold my loan to XXXX. Now I have XXXX XXXX XXXX XXXX XXXX trying to foreclose on my home and take my to court on XX/XX/2018. Ocwen who is the servicing company is telling me I need to come up with {$15000.00} to stop the foreclosure.
Keep getting a phone call from   XXXX   XXXX    ( 3rd Party )   XXXX   XXXX   XXXX  file number, requesting payment for  XXXX  office balance in collections.     I am not disputing the charge but would rather pay the  XXXX  office directl y (   XXXX    XXXX     XXXX   )  due due to unprofessionalism by  XXXX   XXXX . I constantly get call from them where I am being harassed, I get left messages intimidation such us, " serious issue involving yourself '' as if it 's life of death.     A t one time I was blind transfer red to someone else whom I was not comfortable with.     Also, never was known of a balance from  XXXX   XXXX  and that they would send to collections had I not paid, this was never disclosed to me, so I should be able to pay them directly as they never notified me that they would send to collections.     Just recently spoke to  XXXX   XXXX   ( not  sure of spelling ) and again was very rude, threatening to sue, telling me I should pay now when I explained I 'd rather pay the office directly, telling me, " get it out '' " what 's the number '' repeatably in regards to my credit card.     Again, I do not mind paying but do not want to be involved with  XXXX   XXXX , they show no courtesy to the customer.     Please help
XXXX school loan from XXXX was sold to UAS and they will not let me know why my loan principle has not been cut by up to 40 %. Please see Case number : XXXX,