WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX was my former lender account # XXXX illegally transferred my loan toRCS who has done nothing but give us the run around for months requesting the same documents over and over again. On XXXX/XXXX/2015 we submitted a complete loan modification package to RCS and trailing documents on XXXX/XXXX/2015. The submissions were acknowledge by RCS in a letter dated XXXX XXXX, 2015. We continue to submit documentsverbally requested by RCS throughout XXXX 2015, we received a letter dated XXXX XXXX 2015, Notice of Default and Intent to Accelerate, please keep in mind there has been no decision on our pending application prior to the XXXX/XXXX/XXXX letter. We continued sending documents to RCS throughout XXXX 2015, which RCS acknowledge again in a letter dated XXXX/XXXX/2015. In a ambiguous letter dated XXXX/XXXX/2015 from RCS denying our loan modification without providing a reason or cause which is required under California Homeowners Bill of Rights, RCS is in violation. We strongly believe that XXXX XXXX XXXX purposely dumped our loan on to RCS is known for foreclosing and not loan modifications. The letters we have received from RCS are dubious at best, misleading and not providing a clear path to obtaining the mortgage we have sought so hard for.
I originally settled accounts several years ago with XXXX XXXX XXXX XXXX XXXX Hospital. Recently they have sold accounts to XXXX XXXX, XXXX from XXXX, Texas. They are now trying to collect on old accounts that are settled and they continually try to use false dates and continually update the dates. I have tried several times through the credit reporting bureaus to dispute this especially because no one has provided me any strict proof of this debt and none of the debt was in XXXX XXXX XXXX name and I have no obligations to them.
I disputed an issue concerning whether an account was already paid. I have credit card statements showing that the item was charged to my credit card. The result of that investigation came back stating the charge was verified. I disagree with that result, I have credit card documents backing my position. 



































i
We have a property that has been for sale since XXXX XXXX. For most of this time period the property has been under contract ( 4 separate offers ) and awaiting response from the mortgage company. The first offer, buyers walked away because it took too long for a response. The second offer, mortgage company countered, buyers increased offer and again the mortgage company did not respond in a timely manner. When the closing date came and went the buyers threatened to sue us for breach of contract if we did not reimburse them for appraisal, inspection, and survey fees ; which we did. The third offer, buyers walked away because again the mortgage company did not respond in a timely manner. 

The current offer is a full price, cash offer of {$290000.00}. The contract was submitted on XXXX/XXXX/XXXX with a closing date of XXXX/XXXX/XXXX. The mortgage company requested to extend the closing date to XXXX/XXXX/XXXX, all parties agreed. We were advised by our point of contact that once we submit an offer close to or the exact amount of {$290000.00} it would not take long for them to review the file and issue a decision. Today is XXXX/XXXX/XXXX and we are still awaiting a decision from the mortgage company. Although we have been very prompt in submitting all documents and information requested, the mortgage company is unacceptably slow to process the sale which is causing anxiety to both parties. 

Any assistance you can give us in resolving this matter will be greatly appreciated.
Refinanced our home loan with First California Mortgage and they changed the terms of the loan after closing escrow. They were supposed to include XXXX supplemental property tax payments with the refi. When we were at closing the out of pocket amount to be wired was incorrect at {$1700.00}. Was told by loan officer that it was a mistake the next day and the amount that was needed to close was {$1200.00}. Figured out that the amount we ended up wiring is the amount you get when you subtract the XXXX tax payment. Was never told that the terms of the loan were changed. We did not think anything of it until I checked on line and noticed that the second tax payment was not made. I checked with the Escrow company and they were the ones that told me the loan was for only XXXX tax payment. They changed the borrower statement after we technically closed escrow. Had to scramble to make the second tax payment which caused a financial burden. Desired resolution would be to honor the original agreement and reimburse us for the second tax payment. This should be considered deceptive loan practices.
PNC bank is holding funds for over 3 weeks with regard to a dispute I entered when someone used my debit card through an online scam. When I speak to the customer service representatives they tell me the dispute investigation is almost complete and it should be any day. This vague reply by PNC is useless and I still have no idea when PNC will release my money. Furthermore, I have no way of contacting anyone at PNC except for the general XXXX number. When I ask to speak with someone who would be able to give me a better answer I get a number that no one answers and I you need a code to leave a message. PNC is stealing my money. How can a bank legally hold funds for over 3 weeks?
XXXX report dated XXXX/XXXX/2016 showed Wells Fargo Card Services, Credit Bureau Dispute Reso, XXXX XXXX. XXXX XXXX, XXXX XXXX, IA XXXX has requested XXXX separate inquiries for credit history. On XXXX XXXX, 2016, XXXX, current employee of Wells Fargo stated after the original inquiry for approval no additional credit inquiries are needed. On XXXX XXXX, 2016, XXXX, a current employee of Wells Fargo, was contacted. XXXX stated credit inquiry would be requested only once, unless the customer requests a credit increase. On XXXX XXXX, 2016, XXXX, a current employee of Wells Fargo, was contracted. XXXX stated the credit inquiries are ran just once. However, XXXX credit inquiries have been made to obtain copies of my credit history. 
According to the employees this is in direct violation to company policy. Wells Fargo is the third largest Bank in the United States and does not have employees running credit inquiries on a monthly basis for the large number of customers that they have. My account is in good condition, an credit increase has not been requested, and I am not involved in any type of debt resolution with Wells Fargo. It is my belief the inquiries are not being used for a work related reason. Therefore, I am requesting an investigation into what my credit history is actually being used for and who is this information being given to since the company does not have any use for the information.
Contacted Wells Fargo in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to dispute two late payments for XX/XX/XXXX and XX/XX/XXXX. Wells Fargo contacted me on XX/XX/XXXX, and admitted they were not being proactive with enrolling me in Servicemember 's Civil Relief Act ( SCRA ) benefits. They asked for documentation of my service prior to the date of my loan. I went to the branch and provided all required documentation. The documents were faxed to the number listed on the letter provided by Wells Fargo. I called a week then a month later and discovered the late payments were not removed. I was told I would be contacted and was not. Furthermore, the late payments have still not been removed.
I just found out that my credit card with Capital Accounts was put on collections without my knowledge. I request this account to be removed and the harassment calls to stop immediately. I never received any notice or last bill from the medical institution and know this bill is under collection.
Experian is reporting a fraudulent account on my credit report twice and has refused to remove. Experian in reporting XXXX same account two times from XXXX, account numbers Account number XXXX. Obviously, XXXX does not know it is illegal to report the same XXXX account twice, against FCRA. I have submitted accountable documents to Experian to support that this XXXX same fraudulent account from Navient Account number XXXX is reporting twice and it XXXX XXXX 's account not XXXX XXXX. I have never signed or had any affiliation with this account Account numberXXXX from XXXX. I did not know about the account until discovering on my credit reports. I am now submitting a notarized letter from XXXX XXXX which she is the party responsible for the account and I am asking for the immediate removal of them from my Experian credit report once again. Again, I am asking for the immediate deletion of this fraudulent account which is reporting two times. I have submitted uncountable documents to support that this account does not belong to me and I should not have to result to legal representation for the removal of the fraudulent accounts. I am attaching a notarized document from XXXX XXXX acknowledging that this debt belongs to her not XXXX XXXX
This complaint involves PNC Mortgage XXXX. I called XXXX who owes my loan and they directed me to XXXX to communicate with PNC concerning a loan modification on my mortgage since I got the run around last year trying to get a modification. XXXX has changed my person of contact twice but still trying to get this loan modification approved with a XXXX Modification. XXXX told me last week that I was approved for a loan modification and PNC would be contacting me stating that I was approved. To date, I have not heard back from PNC about being approved. I did finally reach someone at PNC on Monday-XX/XX/XXXX, and they said they would call back on Wednesday to discuss this but now there phones are disconnecting me when I enter my last XXXX digits of social security number. Once again, PNC is trying to wait me out so this can expire. They will then start all over and ask again for all my personal bank statements with the excuse that my time has expired since I did n't send in all requested documents which I have done numerous times. I was approved for my loan modification back in XXXX XXXX after numerous lost documents on their end with their ( PNC XXXX in-house modification which by the way was misrepresented to me at the time of application and were further obscured and modified prior to signing. I was promised a lower interest rate and they only extended my mortgage loan to 40 years. No lower interest rate was given even though they told me via telephone they would lower it. My financial situation has changed and again, I 'm going through the same drag out with PNC only this time, they are attempting to foreclose on me with their attorneys, XXXX Law Offices XXXX even though their mitigation department has sent me loss mitigation letters stating they ca n't foreclose while reviewing my application for modification. It seems that neither their attorney nor their Loss Mitigation department are communicating and I could lose my home due to their lack of communication with each other. We are very proactive in keeping our home. This is our primary home by all means. We are the parents of XXXX XXXX XXXX XXXX children. XXXX We have lived in our home for 18 years. I contacted XXXX since they own my mortgage and they referred me to XXXX. I have attached their information and PNC attorney info. We are currently in Bankruptcy Chapter XXXX and it takes 5 years before our bankruptcy is discharged. We 're three and one half ( 3 1/2 XXXX years into our bankruptcy and it wo n't be discharged until XXXX XXXX, XXXX. PNC denied us a HAMP modification stating our bankruptcy was not yet discharged. We looked into this and discovered that we ca n't be denied a HAMP due to our bankruptcy not being discharged. Any help you could provide us would be greatly appreciated. 
Thank you. 

XXXX
Tried to deposit checks with cash back. Paychecks were to my roommate. He endorsed them over to me. Manager XXXX would not allow us to deposit, even though we were both present with ids. Been depositing these check for two years and he claims the bank doesnt allow checks to be endorsed to others. Extremely rude.
This complaint is being field against Select Portfolio Servicing ( SPS ) negligence, misrepresentation and deception. This matter surrounds events and conversations which took place between the dates of XX/XX/XXXX until XX/XX/XXXX, with SPS agents and supervisors. 

We received two separate loan modification offers one stating that a payment was due in the amount of {$310.00}, by the date of XX/XX/XXXX. The second modification offer was requesting payment by XX/XX/XXXX. 

Payment was made in the amount of {$310.00}, on or about XX/XX/XXXX. According to the SPS, agent XXXX XXXX, XX/XX/XXXX, it was discussed that at the time this payment was posted to the account that particular offer had been cancelled by SPS. XXXX XXXX, then stated that our loan had been approved for modification .what is known as a Streamline offer from the Investor. Payments were to be made in the amount of {$310.00} due by XX/XX/XXXX. 

As a result, XX/XX/XXXX, Call was internally transferred to XXXX XXXX, XXXX XXXX advised that she was able to concur with all of the information that XXXX XXXX had previously provided. 

XXXX XXXX, then suggested that since there was an approval for the Streamline offer, which didnt require payment due until XX/XX/XXXX, a payment only be made in the amount of {$2.00}. She stated that SPS, would apply the suspense payment of {$310.00} with the {$2.00} and apply it as a whole payment toward the modification offer valid at that time. XXXX XXXX, went as far as placing the call on an extended hold in order to acquire supervisor XXXX XXXX. XXXX allegedly gave his approval of the payment terms, to be applied as one payment the XX/XX/XXXX. 

As a result of both the lack of guidance in SPS agents XXXX XXXX and supervisor XXXX XXXX, the terms of acceptance of the XX/XX/XXXX, loan modification offer have been cancelled. These errors and misconduct have placed our home in foreclosure as well as SPS have collected payments and misapplied payments inappropriately which are violations nine recent categories of requirements under the provisions added by the Dodd-Frank Act to the Truth in Lending Act ( TILA ), and, therefore, reside in TILAs implementing regulation, Regulation Z, 12 C.F.R. Part 1026 ( Reg. Z ). The remaining six arise from Dodd-Frank amendments to the Real Estate Settlement Procedures Act ( RESPA ) ; those six reside in RESPAs implementing regulation, Regulation X, 12 C.F.R. Part 1024 ( Reg. X ). [ 1 ] and the FDCPA 1692e : Debt collector false statements and misleading representations are prohibited. 
. 

SPS, is now demanding that we start this process all over and they have failed to apply modification payments accordingly. This is an error made by SPS and we demand that our payments be applied as according to the events that surround this complaint.
On XX/XX/2018 I sent a certified letter to Experian asking to VALIDATE the accuracy of an account ( XXXX ) reporting negatively on my report. They responded with the account was verified but sent no validation paperwork. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that Experian disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that is reporting in my credit report. Experian has responded to my request by saying that these accounts have been verified. Experian has not sent me copies of the documents that they have in their files that were used to validate these derogatory accounts. As required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties are damaging my reputation and credit worthiness. Experian has ignored my request to provide me with the documents that their company have in their files that is used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I have sent certified letters asking Experian reporting agency to VALIDATED these accounts with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL.
This follows up on an earlier complaint I filed with the Controller of the Currency. The Controller forwarded the complaint to Chase. Chase 's reply to Case XXXX is attached here. 

I may have filed my complaint with the wrong agency and should have started with CFPB. The Controller 's office did forward the complaint to Chase, and Chase did copy to the Controller their response to my complaint. Otherwise, I have not had any contact with the Controller 's office. 

I have noted my comments in the margins of Chase 's attached response. Briefly, I still believe that the impounding of deposits for 11 days is unjustified in this electronic age. My deposit with Chase was transferred instantly from my account with XXXX XXXX to Chase. Chase had control of my deposit ( {$35000.00} ) on the day of the deposit according to statements from both banks. If the deposit had been forwarded to XXXX XXXX by XXXX, as was apparently the situation when this impounding was originated, I could understand it. Today, the practice continues because it is ( a ) an interest-free loan to receiving banks, who undoubtedly resist any change and ( b ) because it is not important enough for regulatory agencies to pit their limited resources against the platoons of lawyers the banks would mobilize to continue the practice.
TD Bank USA/ Target reports acct # XXXX, as a charge offb/bad debt of an amount they claim I owe of which you claim {$1100.00}. I have sent two certified letters to Target requesting validation of debt. The first certified letter was sent on XXXX/XXXX/16 and received on XXXX/XXXX/16 and the second certified letter was sent on XXXX/XXXX/16 and received on XXXX/XXXX/16. Target noted on my credit reports that I was disputing but Target failed to provide a validation of debt. Target claimed to provide a validation of debt by sending copies of old credit card bills but DID NOT provide a contract bearing my signature. No such validation of debt was ever furnished to me.
Select Portfolio Servicing just bought my mortgage from XXXX XXXX  XXXX XXXX. A person from the firm called me this morning and told me to gather my loan documents - she needed information from me. She asked me the location of my home, the last four of  my social security number without identifying the institution she was representing. I asked her who she was and what firm she was representing. She told me I had to call her back this evening, that she worked at Select Portfolio Servcing. 

I was notified by XXXX XXXX XXXX XXXX that they had sold my loan ; I have never been late on my mortgage payment. I took my mortgage out in XX/XX/XXXX. 

I called this evening and was told that this firm is a " debt collection agency ''. I do n't understand why my 30 year fixed rate mortgage that has never been late is in a " debt collection agency ''. 

The threatening nature of the call, the insistence that I give my personally identifiable information to an individual I do n't know frightens me. 

Is XXXX XXXX XXXX a " debt collection agency ''? I understand they " own '' my loan but what 's with the threatening behavior? They 've recieved my mortgage payment this month because when XXXX sent me the notice they 'd sold my loan, I put XXXX XXXX in my electronic bill pay immediately and paid before the due date. 

The women that I spoke to this evening told me my mortgage " was not in collections yet ''. 

I checked on the CFPB site when XXXX notified me that they had sold my mortgage to this firm. I am single, XXXX years old and work at a non-profit. I am bearly making it but pay my bills on time. My research indicate Select Portfolio Servicing puts their customers in collection w/out cause, forces people out of their homes. 

Please help me get this firm off my back. I can pay my mortgage but feel they are trying to put me in a category where they can abuse me and take my home. 

Thank you very much CFPB.
This is the XXXX time in XXXX years that Suntrust Mortgage has grossly mismanaged my escrow account. They continue to say I have an 'overage ' in my escrow and mail me a refund check but then immediately raise my mortgage payment saying there is an 'underage ' for the year. 

So I 've made a lump sum payment to Suntrust to cover the 'underage ' and now I 'm being told they ca n't accept that payment because the escrow needs to come from current payments and not a lump sum. So once again I have an 'overage ' in my escrow account for the lump sum payment I made at the advise of a 'mortgage specialist '. 

This continues to happen once a year with this company and then when I call and speak with 'mortgage specialist ' they provide information to correct the issue which always turns out to be incorrect once I escalate to speak with a manager.
My husband passed 6 months ago, the mortgage from Wells Fargo was only in his name because of a bankruptcy I had several years ago. I waited for the first XXXX taxes to be paid and decided to pay off the home with the life insurance money. They sent the escrow check in his name the the bank Wells Fargo would not let me deposit it. We left his name on the account for any checks that came in his name. They started communication with the mortgage company and they asked for the death certificate and one was sent. They then sent a letter to my deceased husband telling him they could not sent the check to me. They then asked for a letter from the banker, that was sent, again they would not comply. They then asked for a copy of the will, again sent along with another death certificate, they stated that was not good enough. My lawyer then sent a letter stating that this was the only will and my husband was struck with a XXXX and that opening an estate account for just this would be a hardship to please return the escrow. Again they stated they now want a letter from the local court house. They will not even allow me to send the bill for the final tax of the year and pay it instead of sending me the money. Pennsylvania does not require an estate be set up if passing from spouse to spouse, this is the ONLY company giving me a hard time. I also now think I am entitled to interest on this money since they want to play this game with me. I have complied with every request they have asked for. I just want to pay my taxes with money that is rightfully mine.
As a small business checking account Regions Bank, every day we review our account and found that the day XXXX XXXX, 2016, a charge of {$72.00} per overdraft, which did not exist, as is showed on the attached statement, call customer service and very kindly responded that we had a hold amount, which had led the charge and as a courtesy, they returned $ XXXX, as recorded the day XXXX, 2016, discussed and the response was take or leave. This is an unfair practices. We claim an full refund of the {$72.00}.