WillisBack/dataset-financial-user-claim huggingface dataset:
This is my FOURTH time writing in about this scumbag company. Reference complaint IDs XXXX and XXXX. 4 times? What is wrong with these people? Are they being fined? THey should all be FIRED for complete incompetence. My balance is still wrong! After 4 months, complete XXXX  at SPS Servicing. If  everybody was fired here, I'd smile ear to ear. I should not have to complain and waste hours resolving something that I've NEVER had to do in my life. THese people are misrepresenting balances owed which gets reported to credit reporting agencies. That is FRAUD. I'd like to talk  to the head of this company as this is out of control and people need to be fired here to make an example. As of this writing, they still have not applied my XXXX payment to my balance despite having shown they received my payment. They also reflect next payment due on XXXX when in fact it should be advanced to XX/XX/XXXX if they received payment!
I have been trying Endorse my Insurance Check with my Mortgage Company Since XXXX 2017. I have Submitted and done everything they have asked for. I have called, emailed and received no response. every time I call and try to get through I am put on Hold for 10 min and then disconnected. 
this is the most Unprofessional Mortgage Company I have Dealt with.
OCWEN Loan Servicing, LLC states that they are in the business of helping homeowners as they claim on their website 'Helping Homeowners is what we do! '. Frankly, They are in the business of screwing homeowners like myself and denying me any opportunity for a loan modification.
I request a loan modification from OCWEN, h  owever, they have wrongfully denied my request every time, including the most recent denial letter dated  XXXX   XXXX ,   XXXX   from  OCWEN 'S Escalation Department. I submitted the Request for Mortgage assistance package ( RMA ) for evaluation under the HAMP Tier I and Tier II with all borrower and non-borrower 's income and expenses. OCWEN has failed to evaluate the applicatio n for mortgage assistance based on the reported income ( borrower and non-borrower ) and expenses.
I received three overdraft fees, {$34.00} each, amounting to {$100.00}. This was caused by three online payments of {$11.00}, {$11.00}, and {$23.00} going through. This caused the account to overdraft {$27.00}. <P/>I know I am supposed to get money in before XXXX to make sure my account is funded, but I was not able to do that until about XXXX when I deposited {$28.00} to cover. <P/>This morning I woke up to the three overdraft charges. I could understand one, or even two, but the way the bank submitted the payments, they charged as much as they possibly could, almost 4 times the amount of the overdraft. This is not right. <P/>I contacted the bank but although they say, '' your satisfaction continues to be our topmost priority '' they would not waive even one of the fees. <P/>I had this experience before and requested that they review their policy. I do n't believe they should be able to charge more than the amount of the overdraft. What they are doing is so wrong and really hurts people who do n't have a lot of money to spare. <P/>I contacted the CFPB previously about this and you forwarded my concern. I am hoping contacting you again will make them reconsider their policy.
I contacted Chase bank on at least two prior occasions within the last year, advising them not to pay charges when there are not enough funds to cover them in my account. They continually explain it 's there policy if it is a recurring charge. However, I personally do business with other banks that do not pay charges when there are not funds available, no matter what. I believe Chase uses this practice to justify charging overdraft fees. My account is currently overdrawn due to a charge XXXX, I contacted chase to ask them to reverse the charge, they requested additional information that would take time to process, instead of reversing the charge immediately, like they 've done in the past. This is an extreme inconvenience, as my account is currently showing a negative balance.
Fist Advantage was hired to do a background check on me by XXXX 's ( XXXX ). They falsely reported that I was convicted of a felony. After numerous lies being told to me and multiple dispute " tickets '' opened they say that they have updated XXXX yet I am still being told that they have yet to hear. This is costing me financially. If they would have cleared up a honest mistake from the start I would n't be this frustrated but due to the gross negligence of their " investigation '' team I am suffering. As a " background check '' investigation company they should be able to see these things. I had to walk someone named " XXXX '' ( ext XXXX ) through the county website to show him that I do not have a felony on my record. It is all public but their incompetence and negligent team could not figure this out. I feel like they should reimburse me for time lost but I doubt this will happen until the court is involved. I am certain that I am not the only one who has been harmed by their practices. Please let me know what actions can be taken to prevent them from mistreating anyone else and help to resolve this ongoing issue. They continue to lie to not only me but my HR representative. They will say anything to get people off of the phone and lie about actions being taken to help.
Chase claims that my agreement was canceled, however notified me of such. Instead continued to cash my monthly payments for almost a year having me believe that the agreement was continued and going forward. If the plan was canceled then why werent the check payments, I authorized for only use with the plan, was still being cashed.
Debt collector robo calls phone after XXXX. Person they are calling for does not live at residence.
I, received a call from a company stating I owe them money from XX/XX/XXXX Ace Cash Advance here in XXXX, TN this past summer. I requested proof and they refused to send me proof in the mail. On XX/XX/XXXX, I received a voicemail that showed on my caller id as XXXX. Then a voicemail appeared from XXXX stating her name is XXXX XXXX from The XXXX XXXX XXXX 's Office here in town and she says I need to call a XXXX XXXX @ XXXX. I returned the call and he is speaking to me about Ace Check Cashing Company payday loan from years ago. He stated the company has sent me out over XXXX pieces of documentation and they just received the unsigned certified letter back. I replied I have not received any correspondence on this matter. I then told him about I know years ago I had a couple of payday loans, but they were paid off or filed on bankruptcy. He then told me he can see when I filed bankruptcy. He says nothing like that is on the bankruptcy filing. He says there are XXXX warrants being issued for me and if I want to avoid, I can negotiate a settlement and he would remain on the phone until I received official documents proving the debt is settled and closed. He says he is trying to prevent the judge from signing the warrants for my arrest. He stated I can do XXXX3 years jail time because this is a federal crime and I can be responsible for paying {$5600.00} as opposed to the {$1100.00} he will settle out of court with me. I requested an hour to verify. I called our criminal court here in XXXX XXXX and I spoke with an employee in criminal court to ask are any warrants in my name. The employee I called stated NO. He stated the court system does not work like that. He instructed me it is possibly a scam and to report it. I called and was instructed on the different ways to report and to give the most information I could regarding to whom I spoke with. I called back and a female answered who sounded like the lady whom left me a message to call XXXX. She placed XXXX on the telephone and I asked what company was he representing. He stated pre trial and then was very short stating he is trying to help me and he respects me trying to confirm. I asked again and he stated XXXX. He stated he has other calls and he needs to assist others. He states he wishes me luck and the warrants will be signed since I did not pay. He then hung up.
I am a victim of identity theft and someone opened up XXXX accounts in my name with U.S. Bank using my personal information. I have never opened or had an account with U.S. Bank.
I opened a virtual wallet checking account with PNC Bank under a promotion that offered {$300.00} upon {$3000.00} dollars of direct deposits and a bill pay transaction. To the best of my knowledge I fulfilled those requirements, but after submitting a complaint to PNC, I was told I had not done a bill pay through " their ebilling '' portal. I linked up exterior accounts through PNC and paid them from PNC. They refuse to honor the promotion offered. In addition, there have been several charges made to the account that were not made clear to me upon opening the account. I have been very dissatisfied not only with the lack of clarity in there communication, but also the various customer services representatives I 've spoken to.
DIVERSIFIED CONSULTANT is illegally adding on collection fees that I did not agree to pay. They are claiming that I owe {$390.00} for a past due cable bill. This is inaccurate. I have no knowledge of this account. they need to provide proof of the original contract as well as proof that I agreed to pay collection fees. Also provide state ID/license that was used to verify my identity.
This company, National Credit Adjusters, contacted me a little over 2 yrs ago reporting that legal action would be taken on me if I did n't settle a debt from XXXX. They cited my address, social security number and email address, but they did not have all the correct information and I would not verify a single thing for them. 

I have never heard of XXXX and have never taken a payday loan out in my life. I reported NCA at that time, but never heard anything of it and they stopped calling me as I was threatening that I had already reported them and would continue to do so. 

Now, I just received another letter from them, 2 yrs later, stating the same debt and ways I can take care of it ( attached ). They are a scam. I asked every person I spoke with for their name and would search for them online. When I did n't find them, I 'd call them out and ask them to tell me one social or professional profile of theirs I could look up to verify they were who they say they are ... of course, not one of them had anything to tell me. 

I let them know I very familiar with my credit report and would continue reporting them as fraud if they continued to contact me.
On XX/XX/2018, I was told that I could not make my {$720.00} payments lower because MY COSIGNER made too much money. My co signer called to try to explain to them that I'm paying for my student loans, and then she too tried to get the payments lowered but told her they saw that she took out a XXXX car loan so they would not be lowering the payment.
ACCT. ENDING IN XXXX CASE # XXXX You informed me that you've already investigated this and sided with the merchant but I would like Capital One to please explain to me how you came to that conclusion in detail because I have provided The Returned guarantee policy copies of it and it's very clear it's very black and white that the merchant did not follow their own guarantee refund policy how are you justifying that? In the information they provided so far everything I've read had to do with the other person in the room I'm not sure what that has to do with anything I'm the one that paid for this hotel room I don't know what the other person in the room has to do with my complaint my dispute if you're going to stand by your decision not to refund the money back to my account you need to give me details as to why because everything I've read that the hotel is provided shows that they are very guilty and they didn't follow their own guarantee refund policy so we can please explain to me why you have decided the way you have and if you don't have an answer then I expect a full refund be issued back to my account
I am trying to streamline my FHA mortgage. I sent late payment priority mail express overnight so I would n't get 30 day late. I mailed it to the address they said XXXX XXXX va but post office said they do n't deliver to the address that they pick their mail up. Well my payment sat at post office from XXXX XXXX/XXXX/16 until they picked it up XXXX/XXXX/16 which made them show my payment late.
I got this car in XXXX or XXXX I was told that my car payments was XXXX XXXX dollars a month. According to the paper that I signed and what is stated on my credit report I was paying to much. The charge off amount on my credit report is incorrect.
Portfolio Recovery Associates has not verified a debt with my signature which they claim I owe, and they are not licensed in the state of CT to pursue such debt.
I did a dispute with XXXX and Equifax and the report came in that the debt of XXXX XXXX XXXX  was to be removed from my credit report due to incorrect reporting on my account information. As of yet the report for XXXX XXXX is still showing in my credit report.
I have a bill with XXXX. My insurance denied it due to not getting info from the doctors office. My doctor finally sent in what they wanted and it 's now in review for payment at the insurance. My insurance said that the review could take a while. It 's a XXXX that they have paid in full in the past. I keep getting phone calls several times a day even after letting them know it will get paid by insurance. Today XXXX/XXXX/16 during my wife 's XXXX they called repeatedly even after I told them what was going on and I could not talk to them at the moment.
I had 2 negative credits in my XXXX from XXXX XXXX XXXX that were not mine they they were despite and deleted I got the letter in the mail X/XX/2017 from XXXX then I got a letter from XXXX XXXX XXXX XXXX XXXX. On X/XX/2017  that XXXX XXXX XXXX had sold the previously deleted accounts to pendrick capital partners who then placed it with commonwealth financial systems inc to go back on to my XXXX saying owe them money that I do not owe and again was deleted of off my XXXX. Account number XXXX for the amount of XXXX $ and account number XXXX for the amount of XXXX $
The two companies that are involved is XXXX XXXX XXXX and XXXX XXXX XXXX, The companies have not came to an agreement on a pay off and my credit is now been effected. Since I traded my car in to XXXX XXXX, The complaint is that XXXX XXXX XXXX believes that XXXX XXXX owes money still, XXXX I dont mind feels XXXX XXXX XXXX is trying to get more money out of them the necessary, I need help with my credit being fixed because XXXX XXXX XXXX Has falsely reported on my account and I have lost XXXX points in total and now I can not get a loan because of this matter still I have not heard anything back from either one of them I consistently called them and now I need someone to step in for me to help me get this fixed I was told because I contacted state of Minnesota office of the Attorney General and they gave me this information and said you may be able to help me with the credit portion please have someone contact me as soon as possible, Has falsely reported on my account and I have lost XXXX points and total and my payment was at a XXXX XXXX and now its at a XXXX and now I can not get a loan because of this matter still I have not heard anything back from either one of them I consistently called them and now I need someone to step in for me to help me get this fixed I was told because I contacted state of Minnesota office of the Attorney General and they gave me this information and said you may be able to help me with the credit portion please have someone contact me as soon as possible thank you
I signed up for a first tennessee bank checking account earlier this year, thus a XXXX Inquiry was initiated. I was told many times that I had met the requirements for this new checking account bonus via their secure message yet I was n't credited the bonus. 
I gave up on the bonus part of it awhile ago, but right now all I want is the XXXX inquiry for First Tennessee Bank removed off of my credit report. I think that would be fair considering what I went through.
On XX/XX/XXXX, Navient applied a forbearance to all 6 of my private student loans without my approval or knowledge. These forbearances ended on or about XX/XX/XXXX. On XX/XX/XXXX,  they applied another forbearance to 3 of my 6 private student loans, again without my approval or knowledge. These were applied purportedly due to " natural disasters '' in my area, yet I have not been impacted by any natural disasters at all. 

My private student loans with Navient have been a burden due to the amount of interest that has accrued, which has prevented me from being able repay them according to the payment plan I was given. 

I do not give Navient consent to apply forbearances to my loans without my approval. Forbearances only prolong and exaggerate the difficulties I already have in repaying Navient.
On XX/XX/18 I was alerted to a change in my credit score, and that I now have two collection accounts showing on my credit by a company called XXXX XXXX XXXX ( XXXX XXXX XXXX. XXXX TX XXXX. ( XXXX ) XXXX ). These accounts are current, and not delinquent or in default in any way. 

The accounts in question are paid and serviced through a company called XXXX XXXX. 
I contacted XXXX, and they instructed me to contact XXXX XXXX, claiming that XXXX is reporting the status of the debt to them erroneously. After speaking with XXXX, it was clear to me that XXXX can not do anything about the reporting of the account, and that they had been dealing with calls all day from other clients regarding this same issue. XXXX is the company reporting to the credit agencies, so they have to fix the problem. 

According to the management at XXXX, XXXX is a collections agency, as well as a company that apparently owns debt that is current. However, because they are a collections agency, when they report debt that they own, it shows up as a collections account. Obviously, this can not continue. Further attempts to contact XXXX for resolution have gone nowhere.
My name is XXXX XXXX XXXX XXXX, I have consolidated loans through NAVIENT, account # XXXX. I am a XXXX serving since XX/XX/XXXX. Currently, I am overseas, address XXXX XXXX, XXXX XXXX XXXX. During the course of my military service, I XXXX, to wit : XXXX. I 've already serviced the debt of XXXX Stafford Loans ( unsubsidized/subsidized ) and XXXX private law loan. I am presently indebted to make payment on XXXX consolidated loans for a total of {$36000.00} in principle@3.5 %. Since I served in XXXX, my federal student loans would have qualified for a 0 percent interest rate during XXXX, as they occurred after XX/XX/XXXX. My understanding is this benefit can be applied retroactively, and so, I would like to be relieved the value of any monies accumulated through interest erroneously applied to the outstanding loan ( s ) through an appropriate adjustment. Additionally, I request an accounting for any of the referenced retired loans/serviced student loan debt. Specifically, I ask that these past obligations be examined to determine whether a recoupment action is appropriate for overcharging any interest applied to principle that was charged for the referenced periods. Should monies be owed, these amounts should be returned to the barrower in full. Lastly, it has been extraordinarily difficult reaching customer service via telephone while overseas. Automated services frustrate efforts at communication because program seemingly incapable of processing complex speech-based inquiries ( also necessitates paying international service charge rate ; inefficiency creates more expenses for Servicemember barrowers attempting to resolve matters ). Next, I 'm seeking clarity on whether my outstanding student loan debt qualifies under the Public Service Loan Forgiveness ( PSLF ). I have served on XXXX for more than 10 years, and previously a customer service representative suggested my loans would not when raising the concern.
I have been mistakenly marked late on my mortgage due to issues within the loan servicers and how my payment was processed. I 've sent the bureaus my documents because recently I applied for credit and was declined because of these remarks. I tried to come up with supporting documents to show when I paid. I 've disputed and sent mail directly to the credit bureaus and am not having a ton of success. I did upload the letters that were sent. just recently. My husbands report was also affected.
The PremisesThe Adjustable Rate Note on the subject loan is dated XX/XX/XXXX. The parties are XXXX, the borrower and XXXX XXXX XXXX XXXX XXXX, the originating lender. The Deed ofTrust dated on the same date. The parties are the borrower, XXXX XXXX, the co-borrower, the originating lender, MERS, which is named as nominee for the lender and beneficiary, andXXXX XXXX XXXX XXXX, the trustee. 
The subject loan has been securitized into XXXX XXXX Loan Trust XXXX. ThePooling and Servicing Agreement of the mentioned trust requires that the Adjustable RateNote should be endorsed by XXXX XXXX XXXX XXXX XXXX, the originating lender and sellerto XXXX, XXXX, the depositor and by the depositor to XXXX, the trustee. 
Consequently, the Deed of Trust should have been assigned by the originating lender and tothe depositor and by the depositor to the trustee. 
The chain of endorsements and assignments are also set to be followed in order qualify thetrust as a XXXX under the Internal Revenue Code. 
The mortgaged property has been foreclosed in favor of XXXX XXXX, XXXX XX/XX/XXXX 
The Note must be endorsed properly when the Security Instrument has been assigned. If thisdoes not occur, there is a separation of the security instrument from the debt instrument. 
Separation violates Paragraph 20, a XXXX XXXX in the Security Instrument contract. 
Additionally, any instance in which a successor trustee has been designated, but noThe Main Issues1. The subject loan was securitized. However, there were no documents to show thecompliance of the series of endorsements and assignments that:1.1. are required by the Pooling and Servicing Agreement ; and1.2. each constitutes a true sale from the originating lender to the seller, from the sellerto the depositor, and from the depositor to the trustee in order to ( a ) qualify thetrust as a XXXX and ( b ) give the trust the status of a holder in due course that wouldprotect it against adverse claims from the loan 's originator. 
2. There is prima facie evidence that the signatures on the Assignment of Deed ofTrust and Substitution of Trustee have been forged. 
3. No document was presented in this examination or recorded in the Voluntary LiensReport which shows that the trustee representing in foreclosure has been duly appointed. 
Details of these findings are discussed in the pages that follow. 
This report is authorized for use by both the borrowers and/ or their attorneys. Thecontent constitutes written evidentiary findings. The expert whose name appears at thebottom of this report supports its findings. The audit service is a " qualified '' veteranMortgage document analyst company and an independent party with no financial interestin the outcome of this case. I stand ready to testify in any State or Federal court as awitness in support of the attorney 's foundation of evidence and judicial notice. Thisreport is based upon facts, documentation, investigation and review of the evidencesupplied. 
XXXX XXXX XXXX XXXX