WillisBack/dataset-financial-user-claim huggingface dataset:
Reference Complaint Case XXXX. 
I now open a new complaint. 
The basis for the above case was false information, to wit, that I am deceased. This false information was sent by Experian via an intermediate to the XXXX XXXX XXXX XXXX which resulted in denial of a mortgage loan to me. 
The information furnished in the complaint included an Experian attachment which emphatically stated, by Experian, that I was deceased. 
The case was closed based upon information furnished from Consumer Financial Protection Bureau the false information " no longer appears '' on my credit report. This does not satisfy my request for identification of the source of the false information which Experian noted on my credit report. 
An important part of my complaint was for Experian to furnish me the identity of the source of the false information included in the report. To date Experian has not replied to my letter, part of which asked for the identification of the source of false information. 
Experian signed for my letter on XXXX XXXX 2016. It is now XXXX days, as of this date and no response from Experian has been received. The case referenced above includes pertinent documents relative to this complaint.
A Debt Collection agency began to insistingly calling me from about three months ago. When I spoke with a representative, I informed him that I denied any debt and they should stop calling me. They continued calling and leaving messages on my answering machine. I called again and left a long message detailing my identity and prompted to denounce then if they did n't stop harassing me. On another occasion one of the agency 's employee tried to secure my address info by lying being needed by the XXXX company. Although I immediately hung-up the phone they continued to leave messages on my answering machine. At one point I began to doubt if this was a scam to get some vital info from me, since they always asked me to tell them my 4 last digits of my SS card.
When I first signed for these investment property mortgages with Bank of America XXXX XXXX XXXX, XXXX, FL, XXXX - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX - XXXX They were for more than 80 % of the market value, hence, they imposed a PMI payment on top of the mortgage payment, with the understanding that when the properties appreciated to where the outstanding LTV debt was 80 % or less, the PMI would drop off. When the market value hit this target, I contacted B of A to have the PMI removed, and they said they could only drop it when the LTV was 75 %!! So then I wait until the properties further appreciated to 75 % and again asked B of A to remove the PMI, but they then told me that now the LTV has to be 70 %!!!! Please stop these thieves from continuing to rip me off
At least once a day, sometimes more, I get an automated call saying I am a " Person of Interest '' or that " Legal Action is Imminent '' or I need to make a " statement of intent. '' I have no idea what this is about, and internet searches indicate this number to be owned by scam artists.
A year ago when I learned about the new property tax rate for my property, I called and asked Roundpoint Mortgage Servicing Corp to immediately review my escrow account and make an adjustment accordingly. Apparently that never happened. Now, I am learning my escrow is projected to have a shortfall of more than a whopping {$800.00}. This is an outrageous amount, and it reflects a pattern of negligence at this company. Not only did they fail to perform the review LAST YEAR, they also previously lost the paperwork when they acquired servicing rights to my mortgage and claimed that neither I, not my building, were insured. They also previously failed to properly inform the city where I live and my insurer about the fact they had acquired the mortgage servicing rights. This is now the second time I have complained about the company and its overall lack of due diligence and care. It failed to perform my request and I immediately demand that the company review the escrow about EVERY SPRING - once we know the new tax rate for the City of XXXX. Ironically, they are telling me this XX/XX/XXXX, just a few months before a brand NEW tax rate will be kicking in for 2017. Given the timing of this annual review process, it means that they will inevitably fail every year to properly adjust my escrow payments to keep pace with the taxes in my city. This needs to be done at the time the new tax rate is approved by the City Council - which is precisely what I asked for last year. I truly believe this company needs to be thorough examined for compliance by the CFPB. I have a strong suspicion, based on my interactions with them to date, that there is a very strong chance they are not complying with federal law. I also want consumers to be aware of the problems with this company ( which also include major challenges getting anyone on the phone when you call the customer service line ).
Date : XX/XX/XXXX Amount : {$930.00} Action : I called the credit card company to complain about this accrual interest charge on my account after I received my statement on XX/XX/XXXX when I had a pending balance of {$160.00} on my account. I was n't aware i was going to be charged this amount as I was informed when taking the card that if I had n't paid the total amount by the end of a promotional 18months period, I would be charged the interest for the remaining balance on the account. To my surprise, when i received my statement on XX/XX/XXXX, I saw a charge of {$930.00}. I have called Zales for complaint and try to resolve the issue, but the customer service offered to remove 50 % of the charge and I have to pay the other 50 %. However, I could n't understand why 50 % was offered and not everything, even considering that I have already fully paid off my account after seeing the amount charged. If I received my statement on the XX/XX/XXXX, showing the charge, I would have addressed the interest immediately but the customer agent could n't understand that apart from my statement where the disclaimer is hidden I would n't have know that the agent in the store that made me get the card was lieing to me. But, I get all sort of promotional emails weekly but I was never sent an exclusive mail of this interest charge to alert me. I wanted the agent to reverse the contentious charge but the agent kept telling me that if I do n't accept the charge immediately, I will never be given another option, even after telling the agent I needed time to think about the offer of resolution considering I was very dissatisfied with what had happened.
A payment was made on XXXX XXXX 2015 for XXXX due payment ( payment made early ) the payment was not credited for XXXX resulting in their reporting and accounting of late payment fees, credit report of late fees etc., the company Ally Financial refuses to correct the account.and all payments made after that date have been based on wrong accounting of the payment which was made in XXXX XXXX, 2015 and received by them.
I have already sent 2 complaints : XXXX XXXX.

This is regarding LoanDepot payments that I have made. The problem was suppose to be fixed. I just received a bill for XX/XX/2018. It states I owe XXXX I have already paid XX/XX/XXXX and XX/XX/XXXX. This keeps happening. I do not know what else to do with this loan company.
I am getting threatening calls for medical debts with XXXX XXXX and XXXX other medical collectors, they have wrong insurance information, I gave them correct insurance now they are rebilling Medicare as I do n't have Medicaid. All this is error on their part. I have never received a bill on medical ever as Medicare pays 100 %. Hassling and threatening calls stating I be taking to court ... harassment.
I switched from XXXX to XXXX on XXXX/XXXX/2016, whom has been slowly refunding me the money I owe XXXX for the device 's agreements, and I have been consistently paying XXXX on a biweekly or monthly basis without fault. Today, XXXX/XXXX/2016 I received a call from a collection agency explaining XXXX sent my account to collection when I have not recevied any notices that my account will be send to collection in the owed balance is not paid in full. I have only received statements of the balance and the last one I received states I have until XX/XX/2016 to pay my bill. I have spoke to XXXX and they claim at first that my account was never sent to collection and refused to speak to the agency that called me via a conference call in order to resolve this matter. I spoke to XXXX XXXX XXXX and supervisor XXXX XXXX who both informed that they can not give me their employee IDs and they both refused to speak to the individual from the collection agency that was calling me because they both assured me my account was not in collection, even though the account number that the collection agency gave me had a match in their system during our call. Since terminating my services with XXXX XX/XX/XXXX, my balance at that time was {$2200.00} and today is {$740.00}, which means that I have consistently made payments since cancelling my services and have not had any delinquency on my account. In fact, I have made 7 payments of varying amounts in order to bring this balance down and I truly find it unfair and unethical that XXXX sent my account to a collection agency when I have not stopped making payments. Worst of all is that they never sent me a final notice letter informing me of collection services in order to give me the option to resolve this matter. According to the Fair Debt Collection Practices Act, I should have received that letter and in fact I never have. Instead I have received statements allowing me to continue to make partial payments.I believe this violates consumer acts and XXXX should be reprimanded for such behavior.
I contacted Wells Fargo today and they informed me they have not received all documents for review for modification.I sent them overnight mail last XX/XX/2016 and they were received XXXX/XXXX/2016 XXXX /Yet they deny the items requested complete mind you for the underwriters.in the meantime their delay is allowing them to continue foreclosure proceding.They did this before they keep asking for documents they say will complete the process but then keep asking for more.if wells fargo keep asking for more documents outside what they original requested the IT IS TECHNICALLY IN REVIEWAND FORECLOSURE NEEDS TO CEASE.THEY ARE BEING SNEAKY .PLEASE INTERVENE BEFORE I LOSE MY HOME.
Chase short sale. Final settlement was submitted to Chase on XXXX XXXX as required by Chase to receive final XXXX approval to close. It has been our law firms experience with Chase that no matter how far in advance the settlement statements are submitted to Chase they are unable to provide the final approval to close. This particular file has been escalated through the Escalations Department since XXXX XXXX due to Chase 's lack of providing XXXX approvals on time. I was advised yesterday that we would have the final approval to close by end of business on the XXXX. Still today XXXX we do not have the final approval to close. My contact with Chase escalations on XXXX at XXXX XXXX stated that I would have the approval with in 30 minutes as it has been escalated. XXXX XXXX still waiting for the final approval to close. Contacted Chase again and was advised that it would be another hour as per the manager of the closing department. I then requested to speak to the manager in the XXXX approval letter and was advised that they are out of the office due to the holidays. This is unacceptable as end of month is the busiest time for closings and Chase continually allows their staff time off at the busiest times of the month. This is a continual problem with Chase and they continue to harm our clients due to their lack of approving the Final XXXX for approval to close.
I have Complaint Number XXXX against Bank of America, now has their denied as : When a transaction is made in person, the consumer has the opportunity at that time to inspect or reject the merchandise. If the merchandise is later found to be unsatisfactory, defective, or incomplete, credit is at the merchant 's discretion. Without a credit slip, we're unable to assist you further. 
When a company try to scam you, there's no way we a senior consumer will aware and know we have to inspect before we left, also the tour 's guide rushing us back to bus and left immediately. 
XX/XX/2018 I also try to contact merchant again but fail. Please see all attach as ref. 
When I get fails for reply, I even try to give merchant XXXX email than XXXX, maybe XXXX has no XXXX. But I am unable to get hold with merchant, and BOA can not use this to against me and force transaction go through to get me as victim for this sales.
XXXX XXXX has reported to Experian two accounts in my name that have been charged off however are still reporting. The address on file with these two accounts does not and has never belonged to me. I ask for the debt to be validated and the company can not provide my original signature but Experian refuses to stop disclosing this inaccurate information. 

XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX
This card has been in use for many years and credit use was terminated over two years ago due to a few late payments. After that time payments were regularly made in excess of the billed amount with approval of the PNC Bank. We have been charged {$35.00} late fees on multiple occasions in addition to added finance charges which began showing on statements as a purchase withdrawal. These withdrawals were never authorized and I consider them as fraudulent and unapproved theft. I feel that all of the {$35.00} late fees are also fraudulent due to my overpayments on the account which easily exceeded the amount due by approximately 200 % or more. I was only able to attach documentation of these charges back to XX/XX/2017, but they go much further back in time and should also be added to the charges shown on the accompanying account document.
The credit agency has refused to remove the false reporting on my credit report from the XXXX XXXX XXXX XXXX XXXX the existence of an abundance of evidence that shows that the XXXX XXXX Holding company made mistakes and it clearly stated that they did not have the expertise to properly dispute a charge. 

Inside of my written statement there is a link to the XXXX recorded conversation with the XXXX XXXX XXXX XXXX XXXX  : XXXXXXXX  XXXX where the XXXX XXXX XXXX representative clearly states that they are not qualified to dispute my charge, yet the credit agencies continue to post this delinquency on my credit account even though it was not my fault. The agencies have an obligation to look at both sides and make a determination with regards to who is telling the truth and not simply taking the side of the organization reporting the delinquency and to date the credit reporting agencies have not done so, they have simply rubber-stamped whatever the merchant says and posted the negative comments on my credit report in lieu of the abundance of evidence which shows that It was not at fault due to the merchants inadequacies related to handling legal disputes
I contacted my mortgage company ( Ditech ) by letter XXXX/XXXX/XXXX requesting a loan modification due to loss of employment. They requested I fill out the required paperwork which I did and submitted XXXX/XXXX/XXXX. I was denied help b because income was zero even though my husband is a XXXX veteran and collects monthly VA benefits. In XXXX XXXX I was able to regain employment and at the request of Ditech Rep XXXX XXXX I resubmitted all paperwork again XXXX/XXXX/XXXX. I received a letter dated XXXX/XXXX/XXXX stating my rep had changed but no status update of my modification request. During the next few months I made calls to my Rep for status updates and I was told told the underwriters were still looking at my paperwork. Then, I received a letter dated XXXX/XXXX/XXXX notifying me of my loss mitigation options as thoug h I had never applied in the first place. I placed another call to Ditech and this time I spoke with XXXX # XXXX and told him of my situation. He looked at the account and said to me, " I see where you sent in all the infor mation and it was received ; but it does n't look like anyone has looked at your account since. '' Noone has looked at my account since XXXX/XXXX/XXXX? I find this to be totally unacceptable Customer Service ; not to mention my mortgage is now over {$14000.00} in arrears because I could n't make the payment Ditech wanted and I 've been waiting for a reply to the loan modi- fication I requested. My original mortgage company was Green Tree and then changed to Ditech the end of XXXX. My interest rate at that time was 3.0 % and jumped immediately to 4.0 % for XXXX, XXXX and XXXX XXXX. It increased to 5.0 % effective XXXX/XXXX/XXXX and recently I received another increase notification dated XXXX/XXXX/XXXX of an increase to 5.375 % effective XXXX/XXXX/XXXX. I could n't afford the payment at 4.0 %, it is more than XXXX of my monthly salary. I am at my wit 's end now, I do n't know what to do so I am contacting you for advice. Because of the past due amount on my mortgage I have been told I am not eligible for the XXXX program but yet others are telling me I am. Today I placed another call to Ditech and of course spoke to yet another rep ( XXXX # XXXX ) and she typed into my account the information from our conversation and to have her Manager send me yet another form since she was not author ized to do so. 

Please Help XXXX XXXX
My name is associated with a loan that is in the name of my ex-wife ( XXXX ). It was a consolidated student loan from 2002. When I asked FedLoan Servicing to help me in negotiating payment, I was directed to the Dept. of Education. The Dept. of Education basically pointed out that I have no loans in my name, and that there is no way for me to deal with any of my ex-wife 's loans. I hope to purchase a home in the near future, and the only potential source for negative credit is this loan, and I have no way of dealing with it. At this point, I would like for FedLoan Servicing to stop reporting the loan to credit companies, at least until I am given a way to negotiate payment.
On XX/XX/18 I pd monthly payment of {$450.00} @ that time asked how many payments left due to my 6 yr loan was reaching maturity. I was told XX/XX/18 was last payment, but I had rolled over 6 payments to the end of the loan when I had lost my job, so I figured it was 6 more months after XXXX. But I was informed that in XXXX I would owe my last payment of {$450.00} & an additional {$13000.00} for interest accrued for 2 payments that were 60 days past when I was out of work. ( BUT I HAVE MADE A MONTHLY PAYMENT ALWAYS ) I was in shock & stated I could not pay this & new nothing about it. He stated that letters were sent to my online account ( WHICH I DO NOT HAVE ) & they did not need to send me anything in writing. At this time I asked what happens if not paid & was told even though loan had reached maturity they were going to REPO my car in XXXX for the interest owed. They stated that they DID NOT NEED TO SEND REPO PAPERWORK BY MAIL & would just take the car in XXXX. BUT he also stated that EXETER FINANCE CORP out of TEXAS could decide to WAIVE the $ $ $ or LEAVE it what is was & make me pay $ $ it. They make the final choice. I NEED HELP before it gets to the point of them taking my car after I paid if for 6 years & DON'T GET HOW THEY CAN XXXX  IT IF THEY CHOOSE OR MAKE YOU PAY SUCH AN OUTRAGEOUS AMOUNT OF MONEY. I have NO DOCUMENTATION due to the fact that they NEVER mail anything to me & I have requested numerous times to have things sent to me & they IGNORE MY REQUEST
US Bank is charging overdraft fees to make money. I have on several occasions looked at my account saw it was over and immediately put money in the account. Not a check, but cash. The next day I am hit with an overdraft. I have made many deposits on my account in cash and all have a positive balance to again get overdraft fees. I have requested text messages when my account is below XXXX, not only have I not received one this year, but they notify you the following day what your previous balance is. Just so they can charge these fees. How is this legal.
we tried to open a account at chase jp morgan mountain view california. they opened the account and then wanted to close the account. i gave them a coupon to get $ XXXX/- for a sign on bonus. 
We asked them the reason and they suggested some corporate fraud in 2005 in a corporarate account in washing mutual and now a closed bank. for the record we have never borrowed money from this bank or ever enjoyed any kind of credit or special facility ever. moreover for the period in question we were out of the country. 
In any case they closed my account and sent me a {$30.00} check. When i presented this check at wells fargo it was dishonored. 
now they claim i owe them $ XXXX/- they have reported me so i can not opoen a acount with any other bank. strange. 
i conclusively state i owe them no money. nor have i ever committed any fraud or knowingly defaulted on anything. further my XXXX report and credit report is clean. 
this is a clear case of mistaken identity. in any case the amount in question is too small for any material benefit to anybody. 
i want the bank fined for harassment. i want my current matter and past washington mutual matter resolved
American Express cancelled my credit account because of security concerns they said. They said they told me to verify the charges which I did through app before I stopped using their app and was paying of my debt through my debit account. They cancelled it by saying they asked me to verify the charges in 15 days but I never received a e-mail or mail stating I need to take action. My history has badly been affected and I am not in the position to pay off my whole debt Without using credit card at sometimes. I am a student and I really want XXXX to reactivate my account. thank you
Fw : XXXX  Confirmation Number : XXXX - Dispute Received HSBC has engaged in a deceptive business practices related to my dispute. Where HSBC blocked my capabilities to make payments and at the same time commenced charging me interest. Since my initial complaint to HSBC nearly 4 months ago, I have received XXXX ( XXXX ) letters from XXXX XXXX, XXXX, Customer Relations dated XX/XX/2018 ; XX/XX/2018, XX/XX/2018 and XX/XX/2018, the latter received today, XX/XX/2018 all of which informing me that my complaint was being investigated. 

However, HSBC sent another threatening letter dated XX/XX/2018, HSBC Collection and Recovery Department, demanding a payment of {$140.00} believed including interest for which I do not believe I owe given the fact that HSBC created an inability to continue monthly payments. The interesting fact is that the two HSBC entities do not seemingly know what the other is doing and possibly the root cause of this entire mess created by HSBC. 

One of HSBC XXXX sends a letter dated XX/XX/2018 confirming prior letters that this matter is under investigation while HSBC XXXX and XXXX Department on XX/XX/2018 between the HSBC XXXX, XXXX XXXX, letters of XX/XX/XXXX and XX/XX/2018 sends an HSBC Letter of Demand on XX/XX/2018? XXXX See Attached letters ) In closing, to resolve this matter three ( 3 ) things must take place : ( 1 ) re-establishment of my HSBC in-line capabilities for making credit card payments and the reinstatement of my previous credit line ; ( 2 ) removal of all interest charges commencing XXXX, 2018 ; ( 3 ) written apology for having to endure HSBC Maltreatment and obvious harassing business practices. 

Respectfully, Signed on this the XXXX day of XX/XX/2018 XXXX image