WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX XXXX I was aggressively contacted by Penny Mac Loan services, the originators of my mortgage, to refinance my mortgage with them to a lower interest rate. I dealt with XXXX XXXX, XXXX # XXXX California. He told me interest rates were at a historic low and I could refinance from a 4.1 % interest to a 3.5 % interest rate thus lowering my monthly mortgage payment. He also told me there would be no closing costs. 

I competed the refinance of my property because XXXX sold me on the lower interest rate. 

In XXXX of XXXX, I received a letter in the mail from PennyMac stating that my escrow account was overdrawn and I owed {$7300.00} to PennyMac to cover the cost of taxes. Penny Mac originally stated that the estimated taxes on my refinance were close to {$2000.00} and but now they are over {$5000.00}. When I reviewed my refinance, Penny Mac grossly underestimated my taxes in order to make it appear that I would have a lower payment. However, the estimate they used was not for a full tax year and they did not disclose to me how they came up with this number. I now owe them the escrow shortage and my payment is increasing {$300.00} per month. This is more than I was  originally paying before the refinance with the higher interest rate. 

I called PennyMac on XXXX/XXXX/XXXX to ask questions and explain that XXXX XXXX had mislead me. He knew the taxes were not accurate but he still used a underinflated number to make my payment appear low so he could receive his commission. 

In addition, I was told there would be no closing costs, something I asked about several times. Upon examination of the refinance, it looks like the closing costs were rolled into the loan amount which I am now paying interest on. 

This is clearly predatory loan practices considering that they did not disclose accurate information. As a consumer, I agreed to the {$2000.00} in property taxes and I trusted that XXXX was doing his due diligence to make sure my payments were accurate and correct. He was misleading on many levels and I should not be responsible for the {$7300.00} which is what the difference in taxes are from last year to this year. As a consumer, I was lead to believe that my taxes were a fair estimate and that there would be no closing costs to refinance.
My late wife who was XXXX requested an antenna from XXXX ( she was a 15 year customer ) because the reception in the apartment we lived in at the time was very poor. XXXX delivered the antenna after much hassle. My wife finally succumbed to her illness and I moved XXXX to be with my daughter 's. I canceled my XXXX phone and returned the antenna to the local XXXX store XXXX XXXX XXXX, XXXX XXXX before I left. The young lady took the antenna and wished me well. I paid my phone bill in full but XXXX kept on sending bills for the antenna. They have turned the bill over to several different collection agencies. Each one has tried to cut a deal with me. I refuse to pay for something that I returned to XXXX.
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018, I contacted Cooling and Winter Law office about a notice to collect a debt from XXXX XXXX. I final heard back from someone in the office after several days. I explained that my identity had been stolen in XX/XX/2017 and I could supply their office with copies of the police report and other items needed as the account in question was also not something that I had established. I sent the documents, as mentioned, via email and on XX/XX/2018, I received noticed from Cooling and Winter stating that XXXX XXXX could not substantiate my claim and they would move forward with garnishing my wages.

I have since communicated with XXXX XXXX in the same format as I have with all businesses where accounts were fraudulently established. I have provided the proper documentation, as well. However, XXXX XXXX is adamant that I pay the debt created by some mystery person who has used by social security number, date of birth, address, phone number and more to establish services with XXXX XXXX, apartment communities, hospitals, and even utility companies. In addition, I was dealing with a bankruptcy at the time that the accounts were established.

Any help to rectify this matter is greatly appreciated.
Based on the open case with Specialized Loan Servicing Account number XXXX. The vendor mentioned in their response that they sent a " Notice of Default and Notice of Intent to Foreclose '' On XX/XX/ 2019 I received a package from Specialized Loan Servicing LLC informing me about the compliant I filed with Consumer Financial Protection Bureau ( CFPB ) with regard to the servicing, reference case no XXXX and XXXX. Specialized Loan Servicing mentioned that they sent me this notice " Notice of Default and Notice of Intent to Foreclose ''. The letter was found buried in the stack of papers which consisted of a Mortgage Assistance Application. 

The issue I have is, I never received the letter " Notice of Default and Notice of Intent to Foreclose : '' When Specialized Loan Servicing mentioned the fact in the CFPB Case No XXXX and XXXX. I fully understand that there is no limitation on fraud, based on the grievance and the noted fraud committed needs to be addressed by Specialized Loan Servicing LLC, why? because the fraud started with the Originator XXXX XXXX XXXX, which the fraud continued to the second, third and now fourth interloper, which is Specialized Loan Servicing LLC. Since Specialized Loan Servicing feel that they not nothing to do with the fraud, based on my overstanding, Specialized Loan Servicing inherited the fraud, by buying the Deed of Trust, which was separated from the Mortgage and sold on the stock market. 

In addition, since Specialized Loan Servicing believe they had nothing to do with my grievances, I want them to know that Clause 20 of the Deed of Trust require me to send a notice of grievance prior to judicial action, and to give the Note Holder a reasonable period after the giving of such notice to take corrective action. As you are the recent servicer and agent for the Note Holder, if the grievances are beyond Specialized Loan Servicing ability to correct, I would like for them to forward my request ( Grievance ) to the owner of the securities. 

The package received on XX/XX/XXXX, is entirely too large to scan and upload. if you want to see what was sent to me, with the " Notice of Default and Notice of Intent to Foreclose : '' dated XX/XX/2019, was hidden in the XX/XX/ 2019 package, which was place there, so I wouldn't have a chance to respond.
My mortgage and escrow account was transferred from XXXX XXXX XXXX Loan # XXXX to XXXX XXXX XXXX XXXX loan # XXXX I have NEVER MISSED A PAYMENT. 

Either XXXX XXXX or XXXX XXXX did not pay my ESCROWED insurance and is now XXXX XXXX is force placing insurance on my account. My first payment to citizens one was XX/XX/10. 

I was unable to speak to a live person at either company. 

They did not do their job and now I am penalized.
I purchased a new bed fro m Conn 's   XXXX , LA store in  XXXX  of  2017 . At the time of the purchase, I was shown a balance owed of  XXXX . When I received the invoice 2 days la ter ( an d after delivery ), the invoice showed a balance of  $ 1300+. I contacted Conn 's, w ho told me that there was insurance added to the bill. I remembered at that point that during the signature process ( which was done on a tablet ), the salesman conveniently expanded the screen so I could n't read what I was signing. I asked why and was told it was required, unless I had proof of homeowner 's insurance. I rushed to the store to provide it, to be told that they 'might ' remove it, but that it would n't change the payments . After 2-3 weeks of conversing with the company daily, I was finally told it was removed after 2 weeks. When I looked at my account, there was a small charge for interest for the time the insurance was on the bill. I then asked for a full accounting of the account, including when I would stop making payments. I a lso asked them to refund the interest amount on the insurance, which was refused. I have refused to make payments on the bed because none of this has been done, and I simply do not trust the company at this point.
On or about XX/XX/XXXX I initiated a balance transfer of {$7200.00} from XXXX XXXX to Wells Fargo bank. Wells fargo did not give me access to the money until XX/XX/XXXXstateing they could not find it in their system because the account access number on my actual physical card was used instead of the main account number. I sent proof of the cashed check showing they cashed the check and had the money in their possession since XX/XX/XXXX. The account access number and the main account number both go back to the same account so they should have been able to locate and give me the money much sooner than they did. Since I had to take cash advances from other cards to compensate for the {$7200.00} they had tied up for approximately a month and a half I requested to be compensated on some level for the extra expense their time delay caused me. I requested to be compensated {$300.00} or waive the balance transfer fee of 4 % on 1 future balance transfer from one of my Wells Fargo credit cards. They said they wo n't do anything.
i have submitted a letter to XXXX on XX/XX/2018 regarding the negative items on my credit report and ask them to verify them bearing my signature within the 30 days allowed by law.i haven't received any information concerning this as of XX/XX/2018
The credit reporting agency is reporting my home mortgage as an installment loan rather than a mortgage, is listing credit inquiries that have gone past the period they should remain on my report and should be dropped. In both cases, the inaccurate reporting has lowered my my credit score considerably ( approximately  XXXX  points  ).  In the case of reporting my mortgage as an installment loan, potential creditors have denied application for credit citing large installment loan balance. My home lender has called the reporting agency, written letters, I have disputed the entry as inaccurate which remains in dispute and the reporting agency has not corrected the inaccurate entry. In the case of the credit inquiries that should be dropped from my report has given potential lenders the excessive inquiries and has reflected negatively on their decisions for credit and cited as a reason for denying credit.   With another credit reporting agency accurately reporting Mortgage and credit inquiries my credit score is around  XXXX  points higher and has yielded favorable decisions for credit or limit increases. I have no collections, no default loans, 100 % good payment history and my score and credit rating and inaccurate entries reported by this agency unfairly causes negative or adverse decisions by potential lenders.
I volunteered to give my XXXX XXXX XXXX to Ally Financial in the year XX/XX/XXXX, however, the amount on my credit report from the company is the entire amount I paid for the vehicle. Ally arranged a tow truck to pick up the vehicle from the XXXX Dealership while it was being repaired. When I called the company to inquire about the amount added to my credit, the company can not find any information that I had an account there or owe any money to them. I have been trying for 2.5 years to resolve this matter and no response.
I noticed that this company has posted this item on my credit report even though I am paying a small amount every month. The company is also holding my XXXX XXXX XXXX Check which is at least enough or almost enough to pay this debt in full.
My loans are through XXXX now Navient. I am a XXXX and have been paying on these loans for over 13years. In XX/XX/XXXX, I had the payback period changed to an end date of XX/XX/XXXX. Suddenly XX/XX/XXXX, Navient unilaterally changed the terms of my loan back to an end date of XX/XX/XXXX which conveniently would earn them over {$8000.00} more dollars in interest. So I had to waste time calling Navient, to verify why the terms were changed without a discussion with me. No one could give me an answer. I then reported them to the XXXX, which prompted a call from their customer advocate department. A, XXXX XXXX assured me the terms were corrected and the direct withdrawal amount would be corrected back to what it was. I see today that it was n't. I find it curious that a large banking concern could n't figure out how this happened and then given 3 weeks notice could n't get it corrected.
I have been trying to fight erroneous information on my credit report for about 4 months. I am married to XXXX XXXX who submitted a complaint right before this one. 

I supplied my drivers 's license and a dispute to all 3 credit bureaus last month, and to date, I haven't received any results! 

I can't call them because I don't have a report number which is nonsense, my job 's review is coming up and this information will have me lose my security clearance which will have me lose my job! 

There are several addresses where I never lived, and several different names that is not mine. I believe because I am an XXXX there is confusion about my name. I want all my information to be accurate and the company 's seem to be stalling. I will attach all 3 disputes that were submitted, and a copy of my driver 's license.
I ran a credit report through XXXX on XXXX/XXXX/XXXX. To my surprise, I found I had a balance due from XXXX accounts from Quality Asset Recovery ( QAR ). On XXXX/XXXX/XXXX I had received a letter from QAR stating my balance was {$0.00} on XXXX accounts as noted in attached documentation. Around the end of XXXX XXXX, I had called QAR to arrange a payment plan for my debt of {$2500.00}. Myself QAR agreed to make XXXX ( XXXX ) {$620.00} payments ( totaling {$1800.00} ) as you will see in attached checking account statements provided. I have not notified QAR as to my findings and I am asking for your help to resolve my concern with my credit report stating I still have a balance with QAR of {$1400.00} ( {$310.00} for XXXX account and {$1100.00} for another account ).
Last month the Wells Fargo Bank on XXXX XXXX in XXXX, NC allowed an unauthorized person to withdraw a total of {$14000.00} from my checking and saving accounts. I spoke in detail with the branch manger however he was not the person who appoved the transactions to my knowledge. The accounts were then closed verbally by the same person that withdrew the money. While doing my own research to figure out how this happened I noticed that one the same day this same person used the online portal to change my personal information. I know who this person is because I had a restraining order on them for hacking into my electronic devices and email on a separate occasion. I asked the branch manager to provide me with any documentation that authorized this person to be on my account and he was not able to do so. He did however provide me with an email that stated there were no documents that could prove I gave her access to my accounts. It appears that the bank literally gave my money to someone who had no claim to it. Nine days ago I submitted this claim to the OCC the next day I was told that it was referred to the CFPB and after 5 phone calls over the last two days I 've come to conclusion that my claim is being ignored. At this point I 'm prepared to move forward with my lawyer in this matter after trying repeatedly to get it resolved.
XXXX XXXX XXXX VA XXXX SS # XXXX Loan # XXXX Registered Loans Loan Number XXXX Property Address XXXX XXXX, VA XXXX Loan Status Loan Active Freedom mortgage is not reporting my good credit history to the three reporting agencies
In  XXXX   2017 I su bmitted all requir d annual documentation to re-certify my participation in the REPAYE payment plan with student  loan manager NAVIENT.  However, instead of putting me back on the REPAYE plan they automatically puts in th e IBR pla n which has higher monthly payments. They put me in IBR even though I submitted documentation saying that I wanted to remain in the REPAYE plan.this was  XXXX     2017.  Since  XXXX , I have called them on at leas t 5 sep arate occasions requesting that they put me back on the REPAYE plan. It is now  XXXX   2017 and t hey still have n't put me back on the REPAYE plan -- they actually removed me from any income based plan and my monthly payment has shot up frlm  XXXX  a month to  XXXX  a month.
Navient is stating my account is overdue. While in school ( still enrolled as a full time student ) I attempted to make payments that were denied by Navient which i think is an attempt to tack on interest. Recently receiving notices I am past due but they are refusing to look at any proof of enrollment I have sent to them. Classes resume on XX/XX/XXXX but they are telling me I will be have negative credit reporting if i dont pay. XXXX XXXX is handling my other accounts. They ( XXXX ) have already updated all my informarion for forbearance due to full time enrollment and i have NEVER had a problem with them in the past. This is an ongoing 3 month long issue that has yet to be resolved and of course I'm the consumer so they are trying to railroad me.
I have been trying to get a Short Sale on my home from Shellpoint Mortgage Services. The closing was set for tomorrow, XXXX XXXX, 2016 but had to be adjourned because of issues with Shellpoint. I have had to submit numerous documents multiple times to them because they kept saying they did n't receive them or were the wrong form, etc. I have called my representative at Shellpoint numerous times and she never answers the phone and never returns calls. Then she went on vacation and no one else seems able to help. It is my contention that they have received all the necessary paperwork, etc from me and my attorney but due to their incompetence the deal keeps getting delayed. Shellpoint already approved the Short Sale conditionally but we had to adjourn the closing because they say they did n't get certain forms back in time.
I want to freeze my credit due to the recently reported hack which exposed my information to hackers months ago. Experian will not freeze my report without charging me a fee. 

A freeze really needs to be free, since I did n't authorize them to either collect the information nor to distribute it to its customers. They are unconscionably trying to make money off the failure of their industry to protect consumers! I am appalled. 

XXXX is requiring that I sign away my rights in order to get the credit freeze. This is unfair as I have no other option other than freezing it through them.
I XXXX XXXX try to use my debit card at Bank of America in XXXX on XXXX XXXX XXXX XX/XX/2017. But did not work. I tried it again and it still did n't work. So I went inside to talk to the teller and asked her to check my card and she said your card was reported stolen and we haved mailed you another one. The teller asked me my address and she said the card was mailed to a different address that you are giving me. The teller said you do n't live at XXXX XXXX XXXX XXXX XXXX. No I live at XXXX XXXX XXXX and I never reported my card. My sister XXXX lives on XXXX. To find out she try to transfers my money on a new card and open me a savings account. so she did this without my approveal. She did it on the XXXX of XXXX and I do n't get paid til the XXXX So I got charged over drafts like XXXX dollars for not having funds in my account. And she changed my preference and changed my address to hers and had my statements to be mailed to her house so I never received my over drafts letters. or has she told me that she has my new Debi card. And they charged me for a new card. I never ordered. I have talked to someone at the bank but nothing was accomplished. So now I have to get a temporary card. Plus my bills went to over draft because my debit card I always used was reported. XXXX was using my girlfriends email address to get information. XXXX XXXX phone number is XXXX.
There are numerous inquiries on my credit reports from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX 

I contacted them and asked them to correct the illegal inquiries that are on my credit reports and they said these inquiries are valid. 

I disputed these inquires in XXXX, XXXX and XXXX through XXXX, XXXX  and Equifax and they have not been investigated, verified, updated or removed. 

What normal human being in their right mind would apply for credit card or a loan through XXXX XXXX  on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX? 

Can you please contact XXXX XXXX, XXXX, Equifax and XXXX and have them delete these inaccurate, illegal inquiries of my credit report?
This is a follow up to Equfax 's investigation to complaint number XXXX regarding XXXX XXXX XXXX. 
Equifax 's response exceeded the 30 day window to verify items listed on my credit report. 
This compliant was submitted on XX/XX/XXXX. Equifax responded on XX/XX/XXXX, ( 60 days after complaint ). 
Also, Equifax 's response failed to address the complaint. My complaint was that the Mortgage lender ( XXXX ) exceeded 30 days in verify my inquiry to XXXX in XX/XX/XXXX. Equifax 's response said that they were able to verify the report, but did not address the timeliness.
I made a payment through my citi back checking by online bill pay for {$200.00} to costco credit card by citi bank on XXXX/XXXX/16. The money was taken out from my checking on XXXX/XXXX/16. But costco credit card never applies the payment to my credit card account. I called the first time around XXXX/XXXX/16. I was told payment was received by costco credit card, but did not know why it was not posted to my account. I was told it would take 5 days to post to my account. But a week passed, nothing was corrected. I called again around XXXX/XXXX/16. I was told it would take 14 days for the payment to posted to my account. Now it is XXXX/XXXX/16, the payments i made after the {$200.00} first payment, posted to my account very timely. Just the first payment of {$200.00} still not posted and interest was charged to my account. I am so frustrated and do n't know what else I can do instead of filing a complain.
I was attending a university and when I needed to withdraw from a course was shifted from full time to part time status causing my expenses to increase. However, this occurred after disbursements for the semester. 

The University contacted me in XX/XX/XXXX and I attempted to set up a payment plan with the university and they were agreeable. However when I attempted to make the payment I was told I had already been turned into collections. Apparently, the person I had spoken with failed to notate my account. 
The debt to the school was {$940.00}. 

Upon trying to pay the collection agency I was turned into they said they will require {$1200.00} to absolve the debt. 

Today XX/XX/XXXX, I had an advocate call and attempt to settle with the company, they are are still unwilling to accept anything less than {$1200.00}. 
This is an outrageous increase- one third of the principal debt. 
However, when I contacted the school they said they are unable to assist in any way, the debt has been transferred.