WillisBack/dataset-financial-user-claim huggingface dataset:
I received a notice from Penn Credit Corporation stating that, " The City of XXXX has retained Penn Credit to collect outstanding delinquent parking citations. Previous notices from the City have gone unpaid and remain delinquent. <P/>... <P/>ID NUMBER : XXXX CITATION # : XXXX '' I have no outstanding parking violations. I have received no previous notices. There is no license plate or vin # on the collections notice. Their website is difficult to navigate, & do not have time to wait on hold to speak to someone regarding their mistake. <P/>I am continually getting notices like this that are typically a matter of incorrect data entry.
I am filing this complaint becasue Diversified Consultant Inc is attempting to collect a deby they are not legally able to collect and have reported it illegally to my credit report. I sent this company a letter asking for VALIDATION or PROOF that I ever signed a binding contract with them, but they responded with a letter stating that they validated the account with XXXX. Legally, my contract would be with XXXX and not Diversified Consulatnats Inc, and per FCRA, they are obligated to remove their negative account from my credit report. I will be sending a second letter fiving them another chance to properly validate this account with me and not with their third party client.
My TARP/HAMP 1TD modified mortgage from XXXX ( XX/XX/XXXX ) was transferred to my currenter loan servicer SPS in late XX/XX/XXXX/early XX/XX/XXXX from a previous loan servicer XXXX when XXXX sold my loan. For a little over six years, I made principal and interest payments with all three loan servicers ( XXXX, XXXX, SPS ) of {$870.00} a month pursuant to the Loan Modification Agreement. Then in XX/XX/XXXX, and without notice, SPS stopped collecting the principal portion of my monthly mortgage payment ( via auto debit ) that was approximately {$350.00} a month. In XX/XX/XXXX, when SPS again failed to auto deduct the principal pay-down, I called them for an explanation. From XX/XX/XXXX through XX/XX/XXXX, I called every month for an explanation, and every time I called, I could NEVER get beyond the call-serving level of SPS to speak to a supervisor about why they stopped collecting the principal payment. The legions of call-service representatives with whom I spoke made a variety of guesses but could only confirm that they had been previously collecting a principal payment every month ( which at first they denied ) but were not anymore. Then in XX/XX/XXXX I received a notice from SPS that my fixed interest rate of 2.5 % was being adjusted to 3.75 % and would adjust every XX/XX/XXXX hereafter. My monthly calls to SPS increased significantly throughout XX/XX/XXXX and XX/XX/XXXX, but I could never speak with the same person about what was happening to my loan terms. In mid XX/XX/XXXX, I met with a branch manager of  XXXX who also called SPS on my behalf. XXXX and I believed the XX/XX/XXXX Modified Loan Agreement was fixed for 40 years at 2.5 % and, in effect, the original ARM was permanently modified ( as was my equity line with XXXX, which they still own and service pursuant to the TARP/HAMP mortgage rescue program ). Sometime in XX/XX/XXXX, SPS moved my incessant telephone questions into a category they called research, but only after I wrote a letter dated XX/XX/XXXX ( attached to this Complaint ). Once XXXX began representing me, SPS moved my inquiries into dispute. In late XX/XX/XXXX, after four or five calls from XXXX ( with me present and sometimes handed the phone ), SPS said the XX/XX/XXXX Loan Modification Agreement lacked two keywords : Fixed before 2.5 % interest rate, and permanent, which did not appear in the caption of the agreement or anywhere in the body language. XXXX and I believed the modification was fixed and amortized to a payment in full date in XX/XX/XXXX ( see paragraph 2 of the agreement ). In short, some phantom supervisor at SPS unilaterally decided that because TARP/HAMP ended in XX/XX/XXXX, I was now back in the terms of the original ARM ( dated XX/XX/XXXX ).
On   XXXX   XXXX    2017, I  contacte d Wells Fargo B ank regarding my current balance increasing. I was told that the increase was due to a new Mortgage Analysis schedule. This would make  XXXX  analysis within  12 mo nths. I was told the same thing last year, which they change the schedule last year. I was told I was l ucky because I would not go through another analysis until 12 m onths. On   XXXX   XXXX  , I received another call stating that they were still researching the issue and would provide me with an answer as soon as possible. As of   XXXX   XXXX    2017, I  have not received any status or documentation from them explaining why I received another Mortgage Analysis.
My name is XXXX, my grandmother XXXX who is a co-signer on one of my loans which was with XXXX before XXXX was taken over Navient Solutions.  Navient Solutions has harassed my grandmother XXXX for several months and are now stating that they are filing a law suit against her for payment on the loan.   My account has been in deferment because I am currently in school at XXXX, additionally, in XX/XX/2015 when I had access to my online account my deferment was still in place for my account.  My grandmother starting complianting around XXXX that she can not take getting several calls throughout the day regarding this loan.  When she finally talked with them she direct them to contact me...However, their first contact was through a mailed letter date XX/XX/2015, and since they have been speaking with my grandmother XXXX, I no longer have access to my account because they have deactivated my account as they have been pursuing and persecuting  my grandmother for payment.  They have given my grandmother a different account number for the same loan. When I call them to discuss the account they can not find my information. I just recently starter receiving letters stating that my loan is in default and that I need to contact them to make arrangements.  I want them to stop harassing and threatening to sue my grandmother for payment on this loan, because I have always been responsible for this loan by either making payments on this loan or having the loan in deferment due to my continue education status. Bottom line want them to work with me which for some reason that have chosen to harass my XXXX year old grandmother who is on a fixed income.
End of XXXX, received Sychrony Email Statement and ntoice {$1300.00} promotional rate is expiring on XX/XX/2018. 

On XX/XX/XXXX, we sent a Check in the amount of {$1300.00} before traveling overseas, to pay off residual balance of a Sychrony Card due XX/XX/2018. 

During the XX/XX/XXXX, I notice {$4000.00} charges was posted to my account on XX/XX/XXXX. I've immediately called to inquire about the reason for the charges, and followed their instruction to fill out a Dispute Acknowledgement form with a carbon copy of the check and a letter to describe the incident. Priority Mail was sent on XX/XX/XXXX with Letter and Carbon Copy of the check as instructed. 

During XX/XX/XXXX, I called Sychorny bank to check the Dispute Status. They response was there were no updates ; they will call me if there are updates. 

On XX/XX/XXXX, I received a letter from XXXXXXXX XXXX  requesting Payment documentation to complete their investigation. 

On XX/XX/XXXX, I sent out a certified mail with Carbon Copy of the check and another letter to describe the incident. 

On XX/XX/XXXX, I called XXXXXXXX XXXX to check dispute status but the response was " there is nothing they can do, since they never received the check. 

During the period above, I have Never received any telephone calls from XXXXXXXX XXXX to inform the status of dispute nor receipt of my documentation.
When with GMAC as our mortgage provider, we were contacted by XXXX XXXX ( affiliated with OCWEN ) to refinance our loan at a lower rate. When the loan information was presented to us, Freedom/OCWEN neglected to include our school taxes ( currently school taxes make up XXXX of our XXXX ). OCWEN has now come back, 1 year later, indicating that their Escrow projections were off and that we owe over {$5000.00} in taxes. Upon review, OCWEN admitted that the school taxes were mistakenly not included in the loan refinance documentation. The majority of the monthly reduction in the cost of the new loan was based on XXXX/OCWEN NOT including the school taxes as a part of Escrow, and this reduction was what they used to push us to move forward with the refinance. They have admitted the mistake. But thus far, we have not been compensated for their deceit.
I have not ever received any communication from this collection company. It just was placed on my credit report. I have no idea who they are. I have never had any dealings with them at all. I do now owe this debt.
I noticed my checking had a withdrawal that I did authorize to Experion Credit Reporting. I called them immediately and told them that I never contracted with them nor ever received a credit report from them. They stopped the payment but told me that they have been taking the {$25.00} every month since XXXX. It 's an account I rarely use and keep little money in so I did n't realize it right away. I was told that someone named XXXX XXXX had been receiving credit reports, so I asked for her information to have her prosecuted. I was told to contact Experion 's Consumer Relations Group for this information. I contacted them in XXXX XXXX requesting a credit report and a refund. I received a credit report but no written response. I again wrote them XX/XX/XXXX ( sent return receipt, which they signed for ) and received no response. I believe they hope I will go away. I way be a victim of fraud and they do n't seem to want to take responsibility for that. Also, I never contracted with them, received no services from them and they benefited approximately {$900.00} of my money ( {$24.00} from XX/XX/XXXX to XX/XX/XXXX ) I believe this needs to be investigated and hope you can help me with this situation.
In XX/XX/XXXX, I was in an auto-accident and could not return to work until I was released by my doctors on XX/XX/XXXX. Due to these unforeseen circumstances, we have fallen behind with our mortgage payments. However, my husband has worked contiguously before and during this time ( and he is still employed ). I have requested a loan modification twice since XX/XX/XXXX. For the first loan modification request, the company claimed they mailed me a letter on XX/XX/XXXX asking for further information. I never received this request for the items listed in the XX/XX/XXXX letter. However, I continued to send other required/requested documents through XX/XX/XXXX. I never received a communication stating I was officially declined for my modification request -or- the language in their letters is very confusing, unclear, and/or does not explicitly express a declination. 
I have replied to each of their requests via mail, e-mail, or fax. Please see the attached files. 
I received a letter from XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, UT ), dated XX/XX/XXXX stating my loan had been referred to their office and they were giving me notice pursuant to 15 USC 1692g. I immediately contacted the company and they claimed I was denied for my first loan modification due to the missing documentation. I have been working with the company ( not the attorney ) on a second loan modification request. I have emailed documents six ( 6 ) times for the second request and I call the company at least once a week, if not more, trying to understand what else they will need to consider my application a " complete loss mitigation package ''. 
I continue to get varying answers and they are rarely straightforward. I feel as if I am being given " the runaround '' intentionally. I don't know where else to turn or what more I can do to save my home. I am trying every avenue with the company, but I continue to receive push-back. Additionally, some ( not all ) of the representatives have been unhelpful and borderline abusive when I contact them to confirm receipt of documents or with follow-up questions. The representative I spoke with today ( XX/XX/XXXX ) insinuated I had damaged my home or property during the loan mod. process. Everyday, brings more concern of a foreclosure occurring, because they still have not marked the application as " complete ''. It seems as if the company is doing this because of the increases in the housing market and they would rather resale than help us save our home, as a way to make a profit on our loss. 
My husband is a Veteran, we are both in our XXXX  and hoping we can save our home to enjoy during our retirement. 

Thank you in advance for your assistance, CFPB.
XXXX XXXX XXXX XXXX Account Numbers - XXXX   Case Numbers - XXXX  County OH Municipal Court XXXX & XXXX XXXX XXXX  For the past 10 months XXXX XXXX has been attempting to collect monies on that are incorrect. Both account numbers and amounts owed are totally incorrect. They have misrepresented themselves in Court stating that I have received proper notice and service. They call everyday without leaving a message. When I pickup the phone to answer they disconnect the call.

I have called them directly and left messages with no callback. They have reported this to the Credit agencies incorrect information. They have cause emotional distressed with a person who is suffering and being treated by doctor 's for XXXX and XXXX.
While in the process of buying a home, my loan application shows the amount of {$1200.00} owed to XXXX XXXX XXXX. I called and the representative could not locate my account using name, address, or ss #. I have never received any information from XXXX XXXX XXXX, nor do I have any unpaid medical bills.
American Express approved my application for a Business Platinum card with a sign-up bonus offer to earn XXXX MR pts after a minimum {$10000.00} in qualifying purchases within the first 3 months. As the facts ( with the attachments to here ) proved that American Express had posted qualified purchases and awarded associated points of {$10000.00} within the first 3 months to my account along with written chat confirmation in early XX/XX/XXXX with XXXX, XX/XX/XXXX with XXXX, and a phone conversation on XX/XX/XXXX with XXXX along with a concurrence by a supervisor who stated that my account did meet the qualified spend to earn a welcome bonus which will likely be posted in XX/XX/XXXX after the statement close, however ; I was recently informed via chat on XX/XX/XXXX that my account showed a spend of {$9100.00} without a detailed explanation of how the numbers were computed and that my account will not earn a welcome bonus. 

Again, as the facts with attachments proved that the American Express previously approved qualified spend and awarded pts associated with the purchases showing a spend of {$10000.00} within the 3 months, along with previous written and phone confirmation from Amex Rep that the account did meet the minimum qualified spend to earn the welcome bonus, I'd appreciate a review and correction to this issue in order to award the welcome bonus as agreed. Thank you, XXXX XXXX
In XX/XX/XXXX I applied and was approved for a Capital One credit card, up front fee I believe was {$95.00}. then I would get a {$200.00} credit limit. For nearly 18 months I have paid on time. 
There is a term which Capital One states if you make 5 monthly on time payments your will get a credit increase. I tried several times in XXXX to request a credit increase but was denied. I called Capital one and advised them of my attempts they stated I will not get a credit increase on this card. 
XX/XX/XXXX I made a formal complaint with Capital One and was correspondence with XXXX/XXXX   from their executive offices. I showed him examples of their own promotion and statements that if made 5 monthly payments on time will get credit increase on the exact same card I have. He advised me to send via a secure link through my email, I did. I called to confirm receipt, he states he never received the information through the secure link, I advised him I sent it over 2-3 times. He still insisted he never received the proof. Earlier in our conversation he states that offer is only given to " random '' people, the system picks those people, I will just have to " wait and see if the system picks me. '' After sending the proof of Capital One statement - make 5 monthly payments and get increase, I call him and he states he never received information. I asked to resend or email he stated, No he did no want me to resend. 

I sent in their offer showing their claims, they denied it even though it was in black and white. 
I offered to resend, they refused to accept my correspondences showing proof they made this claim.
I do not even remember this creditor and how it got on my credit reports. It may just be a financing company of which was applied and never got removed off my credit. I hope this gets resolved. 


There Contact Info : XXXX XXXX, CA XXXX ( XXXX ) XXXX
Hello, Transunion continues to provide false and inaccurate consumer information in regards to my accounts as listed below : 1. XXXX XXXX XXXX. The account balance and payment history are incorrect as previously disputed. Account is current. This item must be updated or removed. 

2. XXXX Bank Account # XXXX. This account is current and the account balance is inaccurate. This must be updated or removed. 

Thank you for your assistance in getting these matters resolved.
I have been trying to correct my Bank of America Preferred Rewards balance since XX/XX/XXXX of last year. On five different occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX starting with the local branch manager ) I contacted Bank of America or XXXX XXXX  regarding the 3-month average combined balance which does not reflect what is posted in all accounts. This is important because I plan to reduce the amount in my bank accounts which will place me in a lower tier or possibly out of the Preferred Rewards program. However, if the proper amount was disclosed I would easily qualify for Platinum Honors after withdrawing from my accounts. 

I received an email last year stating that I had been upgraded to the top tier in the program-see attached email. OnXX/XX/XXXX I contacted the Rewards group again explaining the tier was not in question but the combined balance was the problem. The program representative I spoke with created a case number, # XXXX. He verified my contact information and assured me I would be contacted by XX/XX/XXXX. Today is XX/XX/XXXX and I have not heard from anyone. 

The Bank of America accounts ( checking, money market, CD ) and the XXXX XXXX/XXXX XXXX account ( several stocks ) have been linked. Currently the sum of all accounts is approximately four times what is documented in the Rewards program substantially above the top tier. It appears that combining the banking and investment amounts is not in the equation. This is disconcerting because the bank is going to start a monthly maintenance fee for checking accounts if the rewards balance is not met. 

Bank of America 's apathy in the matter considering what I have on account is insulting. Any help in resolving this issue would be appreciated. Thank you
Statement from our Listing Agent : XXXX XXXX, The XXXX XXXX XXXX. We initiated a short sale XX/XX/2015 with US BANK. At no time were we informed by US Bank that a sheriff sale was in the process of being scheduled for end of XXXX XXXX. Owners were served a sheriff sale notice XX/XX/2015. A complete file, which includes all required and requested documentation, including an appraisal ( ordered and completed by US Bank ) was confirmed as being received with file being moved to processing on XX/XX/2015. This is after numerous times where documents were sent and confirmed as received by US Bank and later re-requested. On XX/XX/2015 I sent an email and was able to reach our assigned contact manager XXXX XXXX. She did not give me a reason as to why the sheriff sale could not be postponed, she did say she would check with her supervisor on getting file accelerated which should allow us to proceed with short sale in the event we are not able to close prior too. She went onto say she was n't sure if the file would qualify for acceleration which I found perplexing due to this new imposed timeframe and the file status being complete. She also said she had no updates from processing department and no additional documentation was required at this time. I confirmed that we continue to a cash buyer as well as a back up buyer in place ( purchase agreement provided as part of file ). On XX/XX/XXXX, XXXX called ( potentially an auto dial or required scheduled call ), it appeared she needed to familiarize herself with the file and had no updates for me aside from that she felt a short sale would n't get done in time? I asked her if file had been accelerated and she said no and furthermore we had also not been assigned a processor or negotiator. This is week 4 that nothing has happened on file since confirmation of complete package was received, except for US Bank to serve owners with a sheriff sale notice. It was disconcerting at the lack of familiarity she had with file when she advises she is only point of contact. She would not provide contact information for the processing department but did elect to share that her supervisor XXXX XXXX sits right next to her.
I am the Co-Executor of my Mothers estate. My Mother had an IRA account with Bank of America. She had this IRA since at least 1992 and always banked at the same small branch in XXXX, Connecticut. The branch was taken over several times between XX/XX/XXXX-XX/XX/XXXX and is now Bank of America. Despite there being XXXX totally consistent beneficiary designations with the predecessor banks being located- XXXX located by Bank of America in its own internal files, Bank of America refuses to honor them -- saying that they will only honor a beneficiary designation directly with them. In addition to the XXXX beneficiary designation forms, I have notes by my mother consistently reasserting that I am the sole beneficiary. 
Also Bank of America has consistently intentional or just negligently given me misleading and false information. The second beneficiary designation was located by them only after they had repeatedly represented that there was No such record. They have also incorrectly ( intentionally or negligently ) represented that there is no detriment since they are willing to pay the IRA to the Estate. The Bank should be aware of the detrimental tax consequence of the payment to an Estate rather than a person beneficiary -- even if ignorant they should at least not make false statements on which their depositors may rely to their detriment. My mother was not a wealthy woman ; she carefully saved her money and meticulously set up her accounts in accordance with her wishes. Yet now, the Bank is looking to VIOLATE her wishes and her accounts! Additionally, since there are other beneficiaries of the residuary estate, clear, contrary to the Bank 's rep payment to the Estate is very different than payment to the individual named beneficiary. 

My mother was already aged XXXX at the time of the Bank of America takeover and XXXX when she died and she consistent banked at the same small branch.The Bank 's position seems to be that that it was somehow her responsibility to make sure that Bank of America still had and did not lose or misplace her Beneficiary Designation. Likely, this is a frequent problem with Bank of America -- the only difference here is the careful records that my mother kept and my relentless pursuit to correct the situation.