WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX I brought the house in XXXX 2006 on XXXX XXXX XXXX XXXX XXXX XXXX. 2 weeks later got laid off from XXXX XXXX XXXX as a XXXX a {$70000.00} a year job had Impeccable credit, could n't find a job back in my field do to the housing market. I found work in the XXXX 21/2 years later hired XXXX XXXX XXXX for bankruptcy, XXXX XXXX found a lot of Illegal Discrepancies in my mortgage papers the house should of never been sold to me the house was n't sell ready with proper paperwork knowing that the Title & Deed was n't the legal paperwork. They had NO Title or Deed, XXXX XXXX told us not to pay Ocwen because they did n't have the right paperwork to service the loan. We heard about the XXXX program to get refinance for our home turned in all the paperwork they told us that they ( Ocwen ) lost our paperwork several times, XXXX yrs. later XXXX XXXX called us for another appt.to talk about our case we were told that the statue of limitations is coming up and after that date he asked us what we wanted to do sit and wait to see if they come up with some kind of settlement for us to refinance our house if they do n't come up with any settlement and Proper Deed & Title in the amount of time as allowed that they ca n't touch the house legal..
I mailed Equifax notice over a year ago to take these accounts out of dispute, that I agree with their investigation. They have not and I can not get a home loan
This is my XXXX complaint for BSI Financial. Per my previous complaint BSI stated my hazard insurance was n't supposed to be in escrow. They corrected that with my previous complaint, and now my hazard insurance and taxes are now in escrow. They are now charging me a monthly escrow amount of {$120.00} for my tax and insurance which is understandable, however they are also charging me a additional monthly shortage of {$190.00}. When I called into BSI Financial I was advised by XXXX XXXX that it is a " cushion ''. I would like to know why I am being charged an additional {$2300.00} as a " cushion '' for my taxes and and hazard insurance when my and taxes and hazard insurance only total {$1500.00} for the year.
XXXX issues : 1. Took additional month payment and booked against " Principle '' not " Payment '' so stated online and in automated phone system I was delinquent, when in fact I was ahead of schedule. There is no option to allocation additional payment to your chosen category 2. I decided to pay bi weekly instead of monthly. They hold that bi weekly payment not applying to your account/principle/payment until a full months amount is recieved. Therefore they garner interest on that cash for thier business while charging me interest on the partial payment I have given them, but they do n't apply to my loan 3. When attempting to reach thier " Equity Acceleration Team '', to discuss the mechanics of a bi weekly payment, I was kept on hold 45 minutes between XXXX different customer service reps. I was then told when the rep tried to reach the Equity Team they get disconnected. Therefor I should call back. Basically they are either not staffing thier service lines during working hours, they do not resolve technical problems, or they do not answer on purpose. There are numerous reviews from others stating this happened to them. This is a tactic to delay the bi weekly payment option therefore mitigating the chance that I reduce my principle faster which would reduce NationStar 's interst/earning on my loan.
The collection agency Aspire reported to all XXXX credit bureaus that I was over 100 days delinquent in scheduled payments to them for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I never made any payment arrangements with them nor was I contacted by them to schedule any payments or to inform me that I was being billed. It was not until I checked my credit score that I realized what they did. Upon speaking to them, they made my account current up to XXXX/XXXX/2016 due to an in-school deferral, but they refuse to remove the late payment delinquencies on my credit for XX/XX/XXXX and XX/XX/XXXX, when I informed them that the information was erroneous they said there was nothing that they can do, because from their end the information was accurate.
Experian fail to delete personal wrong information on my report. Moreover, dispute results show that wrong information was deleted but it has not.
All accounts with XXXX XXXX on which I am listed as an owner or an authorized signer will be closed effective Monday, XX/XX/2019. I have been at the bank and spoke with the manager at the branch and she could not give any information. She tried to call to the head quarter, but did not get information. I have called to the phone number which was provided in the letter but was told that account is going to be closed. The reason - it is internal decision and no more explanation. I do not fill any wrong doing to cause any risk to Bank. 
I would like to know what is the problem. I feel myself as a criminal.
Please see our 3 previous complaints filed on this case, XXXX, XXXX, XXXX. After withdrawing from bankruptcy, we applied for a modification with Nationstar. We thought everything was worked out and that we could start making payments again. We left our home for the winter before Nationstar could get the modification paperwork to us. Even though the modification was not signed, we made payments as scheduled in XXXX, XXXX, XXXX, and XXXX of XXXX as well as XXXX of XXXX. When the paperwork finally reached us, we were in XXXX for the winter. We took the paperwork to a notary to sign it and have it notarized. The notary told us that he could not notarize it since the property was located in XXXX. We immediately called Nationstar and they told us that that was not a problem and that we could sign and notarize the paperwork when we returned to XXXX in the spring. In late XXXX XXXX Nationstar called us and told us that they would no longer accept our payments because the paperwork had not been signed and notarized. However, they kept the previous 5 payments we had made, a total of about {$5000.00}. As soon as we returned to XXXX, we contacted Nationstar in an effort to get the modification in place and resume payments. We have submitted the modification paperwork but have not heard back. Meanwhile a law firm, XXXX, sent us another modification application as well as a foreclosure notification. At this point, we are not even sure who we are to be dealing with. We assume that it is Nationstar. We expect to hear back from Nationstar within about 30 days on the modification. We need someone in your office to stick with us on this case until it is resolved. Every time we call Nationstar, which is often, we talk to a different person who has no idea what is going on in this case. If we could sit down in a room with a representative of Nationstar and an arbitrator we could solve this problem in 10 minutes. We want to keep our house but we are getting tired of fighting.
On XXXX/XXXX/2017, at XXXX XXXX, I received a phone call from Wells Fargo 's representative XXXX XXXX. She acknowledged my complaint but once again refused to allow me to record the conversation. She insisted on not providing the timely response, by stating the next follow up phone call will be on XXXX XXXX, which is over two weeks from today, knowing that we have been deceived before with false deadlines and exploiting our patience and generosity. This process has been going on for many months and Wells Fargo keeps refusing to release the appraisal in the acceptable format.
I went to Flagstar Bank, XXXX XXXX XXXX XXXX in XXXX XXXX, Michigan to open a home equity line of credit. XXXX (? ), branch manager assisted me in opening this line of credit and all the paperwork it entailed. I told XXXX there was a possibility that I would n't need the entire HELOC or that I may not use it at all. He said let 's go ahead and do the paperwork and that way the money will be there if need be. Fast forward two years later, and I did n't use the HELOC. I recently sold my house in XXXX XXXX, 2015, my realtor advised me that I have to close this HELOC, which at that point I went to Flagstar bank and worked with XXXX XXXX, assistant branch manager. XXXX printed out the closing paperwork for the HELOC and to BOTH of our surprise there was a fee of {$560.00} attached to it! I asked him what this was all about since I never even used one penny of the money available of the HELOC. XXXX replied, that he did n't know and would research this for me. A few days later he called and said that because I closed the account before 36 month term for XXXX, I have to pay a penalty which was an early termination fee! This was not explained to me by XXXX and oddly the branch manager was n't even aware of such practice. XXXX and XXXX both said I would need to file with the office in XXXX, Michigan that handles customer service complaints. I did this and the women took my complaint, unfortunately I do not remember her name. She said she that someone would be in contact with me in 3-5 business days. After not hearing anything for two weeks, I went back to the bank to let XXXX know that no one has contacted me and I 'm pretty upset with this fee that was never explained to me, and that if an assistant branch manager does n't know about this, how can this information be passed on to the consumer? XXXX ( branch manager ) overheard this and replied that it was in the paperwork. Well, why did n't he point this information out to me and make it clear before having me sign the paperwork? I told them both that I understand I, as a consumer, have a responsibility to understand fully what I am signing, however, my bank, and trusted institution where I do my financial business also has an obligation and responsibility to be forthcoming and carryout ethical banking practices. That is my complaint and I would like to recoup my {$560.00}! I will also be closing my account with Flagstar bank no longer allowing them the privilege of serving me as my financial institution. 
XXXX XXXX -mobile
XXXX XXXX XXXX is reporting their trade line information incorrectly on my credit report. The collection account is being reported as Date Opened of XX/XX/2012. The account is being aged based upon the date of reporting not date of delinquency. This is against FRCA and is causing this account to report longer than law requires. XXXX XXXX XXXX fails to comply with FRCA as well as the three credit bureaus allowing XXXX XXXX XXXX to report to. I have requested information to be updated and reported accurately but the credit bureaus and XXXX XXXX XXXX all fail to comply with the written law.
This is my third complaint since XX/XX/2016. Payments continue to be misapplied. I sent a check XX/XX/XXXX with specific instructions to payoff the XXXX higher interest loans with the Dept of Education. The payment was applied to the Federal loans which have over a 3 % lower interest rate. I called the advocate dept again and was told it would be fixed. Days later I called again to see why it had n't been fixed yet and was told it takes 7-10 business days and it would be fixed by XX/XX/XXXX ( that span was 13 business days ). The payment was reversed multiple times with errors up until XX/XX/XXXX where I think they are now done making adjustments. The misapplied payment from XX/XX/XXXX was not fixed. The adjusted payment originally applied XX/XX/XXXX now shows on XX/XX/XXXX. Not only am I being charged the difference in interest for those days between the DOE and Fed loans, I was also charged {$7.00} in interest on Dept of Educ loan XX/XX/XXXX that should have accrued only 25 days of interest since the payment ( last payment XXXX was {$5.00} to interest ). I have printed portions of my loans to accompany my claim. It does not cover the multitude of times I have to call, call again, and call some more to get my payments fixed over the last few years.
I borrowed {$400.00} from Big Picture Loans in XX/XX/XXXX and I have paid {$200.00} in each of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, for a total of {$600.00}. The lender refuses to discharge the loan and wants me to pay {$200.00} a month until XX/XX/XXXX. I can not afford to pay that amount and have told the lender but they insist that I pay. The interest rate is 735.9112 %.
Why do I still see this being reported by XXXX XXXX/Transunion when it is totally false. The account in question was sold to another company. It may the initial payment was held by the original lender. I have submitted payment history from XXXX and addressed this issue on various occasions and the record is still being displayed. IT IS WRONG. I have never been delinquent. What will it take to have it removed? 

Delinquent Account ( XX/XX/2018 ) Alert Type : Delinquent Account Processed Date : XX/XX/2018 Account number : XXXX Creditor 's Name : XXXX/XXXX Type of Industry : Miscellaneous Finance Address : XXXX XXXX XXXX , XXXX XXXX , MO XXXX Payment Status : Wage Earner Plan Creditor 's Preferred Contact Method : Other Consumer Statement : Dispute resolved ; customer disagrees
I have contacted OneMain directly as well as the 3 credit bureau 's. I have asked this collection company more than 60 days ago to remove this false negative account from my credit file and or show just cause of any potential accuracy or proof for reporting. To this date I have yet to see any documentation bearing my signature, and or showing that I have a legal binding contractual obligation to pay said debt. I am requesting that this false negative information be removed from my credit file immediately as this is hurting my credit worthiness. I can only assume that this is a mistake and that this above named company is not attempting to prey on consumers. 


I have maintained copies of these notarized letters and dates and have warned the above named company that I was filing a complaint with the CFPB Thank you for your help.
We are receiving phone calls ranging from 3-8 times a day from the day that the payment is due until 7 days before I can set up a payment to pay the loan. I receive emails and messages as well. If they ca n't reach me on the home phone within seconds they call my cell phone.
I co signed a car loan for my daughter after it was all said and done i was first on the loan. My daughter made payments Santander applied payment to the wrong account once that started my daughter got behind on her payments. Santander never once called me or sent me a letter to inform me that the payments were late and not made. With my name being first on the loan i would have thought the banking institution would have called me. When i found out the car was repo i called Santander to try and fix the problem. I could have got the car back for XXXX but, that was not the final fees once i went to pick up the car it was another {$1200.00} for fees towing, impound, cleaning, storing, gate fee etc. I was never told that by Santander. If Santander would have notified me I would have made the late/ missing payments ( XXXX ). There are bad reviews on this bank they are sneaky and not willing to be ethical in there business.
It is the credit reporting system that is the problem. Good people that live well within their means and do not buy trinkets or spend money they do not have while paying more in the long run with interest, are treated worse than the people that do spend beyond their limits and live beyond their means. 

A person that accumulates debt is treated better than a responsible person that does not buy items they do not need. If you do not have credit and are looking to get a new vehicle, you pay over 5 times more in interest and have to put down a lot larger payment. People are forced to buy worthless trinkets or pay more than what an item costs ( interst rates ), ONLY to build a credit history. 

We are pushed to consume junk so someone else can make money off of the interest. We reward people for spending money on items they do not need and punish those that save or are conservative. We are building a materialistic society. It makes no sense. I attempted to get a new vehicle yesterday with $ XXXX down that I saved up. Because I have no credit history, they want $ XXXX down and 10.5 % APR. A few people I know pay less than 2-3 % APR and no one I have ever heard of pays $ XXXX down on a $ XXXX USED vehicle. 

People need to be measured by their Debt to Income ratio. If someone lives beyond their means and does not have enough expendable income, they should not be treated better than someone with plenty of expendable income. Only bad credit history should be a factor than no history & attempting to establish a loan for a vehicle that is a means to get to work and to the grocery store, necessities. This needs to change ...
On XX/XX/2018 I received an email from XXXX XXXX XXXX XXXX claiming I owed them {$1400.00}. 

They have placed a collection on my credit report for that debt 5 years after I allegedly lived at this location. 

The company has sent me several emails that attempt to make me settle or continue to have my credit score impacted. 

I informed them I am disputing this debt and make no claim that this debt belongs to me. They refuse to remove this debt from my credit profile in an attempt to collect this debt that I have made clear that I DO NOT OWE.
I have tried to place a security freeze on my minor children 's accounts as allowed by the Fair Credit Reporting Act. I sent Equifax their required minor freeze form for this and all the necessary information including SS cards, birth certificates, my driver 's license, etc and did not create and freeze my children 's account as they are required. After numerous time consuming phone calls, have not made any progress since I am unable to stay on the phone for hours on end and there is no mechanism to reference the call and restart where we " left off. ''
Advance Collection Agency accepted an invalid claim for rent overpayment from XXXX XXXX XXXX ( XXXX ) and did not provide me with valid verification of the claim. In XXXX, 2014, XXXX XXXX XXXX informed me that the check issued to me on XXXX XXXX, 2014, for Housing Assistance Payment ( HAP ) was an overpayment and that I had 10 days to repay {$590.00} or the debt would be sent to collections. The letter did not acknowledge XXXX own letter of XXXX XXXX, 2014, ( attached ) which verifies that my contract was valid on XXXX XXXX, 2014 and would remain in effect until XXXX XXXX, 2014. There was no overpayment because at the time the last payment was made, the property was still under contract. Five months later ( After I had sold the property and no longer maintained an address in XXXX XXXX, XXXX sends a fabricated ledger statement with false dates to Advance Collection. Advance Collection did not investigate the claim and when I had a lawyer to call Advance Collection, there was some indication that the same staff member at Advance also worked for XXXX XXXX XXXX. I disputed the claim immediately, writing to XXXX XXXX, the Regional Director at HUD, and finally the Commissioners for XXXX and copied the last letter to Advance. Again, with no investigation or response acknowledging my dispute, Advance Collections placed a negative report on my credit report. I attach XXXX documents to show that XXXX claim for overpayment on XXXX XXXX, 2014, is not valid because the contract was not cancelled until XXXX XXXX, 2014. The second is to Advance Collections to inform them that the HUD regional office had suggested I contact the XXXX Commissioners about the dispute. The debt is not valid. The collection agency did not provide me with authentic and accurate verification of the debt and I was initially told by telephone that the amount was for repairs that I had not paid for. I am requesting that the negative report be removed, that relationship between Advance Collection and XXXX XXXX XXXX be investigated and that Advance Collections be reprimanded for its practices.
My wife and I religiously follow the recommendation to check your free credit report regularly. We both get our reports from each agency on a staggered basis so we get a report for one of us every two months. For the third year in a row now, neither one of us has been able to get our report on line from Equifax. My wife was denied her on line report on XX/XX/2016. Every time we go through the on line request procedure, at the end, we get a message that it can not be completed on line, and that we need to fill out a form and send it, and XXXX supporting ID documents to them by mail. It has become obvious that they do not want to give out the reports on line. We never have a problem with the other XXXX agencies, so I have come to the above conclusion. When you try to phone in to complain, you are put through phone tree XXXX, to no avail. This is an abuse of consumer rights. In addition to the wasted time, more paper is consumed in printing and mailing the report. Additionally, our identity is put at risk by having the report, and our documents sent by regular, unsecured mail. Please take action to put a stop to this abuse. Thank You.
We have been trying to find a solution to this foreclosure situation we have been facing with Select Portfolio Servicing ( SPS ) for years now. At first, they reviewed us for the XXXX programs ; then, they told us that we were not eligible due to a " business decision '' by the investor. When we questioned this repeatedly as to what that meant, we were eventually told that the investor does n't participate in the XXXX programs. Why would our income and other underwriting factors be considered if the investor does n't participate in the XXXX program? 
In XXXX of 2016, we were denied for the in-house program as well. However, the gross monthly income used for the review was shorted about $ XXXX/month even though all documents verifying the household income were submitted in a timely manner. We chose to resubmit a new application with very detailed verifications of income. SPS finally got the gross monthly income correct, but still denied us for any mortgage assistance, once again claiming that the investor did not allow for approval of the in-house program as well. When pressed, we were then told that the reason was actually that they could n't make an affordable payment based on the guidelines of the program. When we pressed SPS for more details such as the proposed modification payment and what terms were used to reach that proposed payment, we were eventually told that this is " proprietary information '' that they did n't want to disclose (!!! ). 
We have done everything asked of us to try and resolve this issue and get back on track with our mortgage, but we feel like SPS is doing everything they can to complete the foreclosure process. They have scheduled a sale date for XXXX/XXXX/16!!!! 
How can we not be eligible for the XXXX program when SPS has taken so much bailout money ( almost {$2.00} XXXX " committed '' )? Why wo n't SPS produce this servicing agreement that prohibits our loan from any participation in these programs? And lastly, why wo n't SPS show clearly how we do n't have enough income to be modified under the in-house program they offer others? It 's not right that these people keep misleading us as to why we can not get assistance and when we do n't just accept their denial and ask for details, SPS chooses to be secretive ( indicating they 're likely doing something wrong ).
On XX/XX/XXXX, I tried to make a payment of {$6000.00} to OCWEN to reinstate my home loan. I was informed by OCWEN that the property was sold on XX/XX/XXXX.. 

This was a grievous mistake on the part of the bank as the loan officer told me that I had until the end of the month, XX/XX/XXXX. 

This caused my great difficulty as I had to scramble to secure a new residence..