WillisBack/dataset-financial-user-claim huggingface dataset:
I recently completed a permanent loan modification with Bank of America. The loan modification was recorded on XX/XX/XXXX by Bank of America ( exhibit A ). Once this loan modification was recorded, a new interest rate of 2 % was registered and my principal was reduced by XXXX to {$200000.00}. In order to qualify this Making Home Affordable aka HAMP modification, three trial payments were required to be paid. These payments were dueXX/XX/XXXX, XX/XX/XXXX& XXXX. After all three payments were made timely, a permanent loan modification was due to be issued as phase two of a two-step process. The trial agreement is a sole and separate contract that leads to the new permanent loan modification contract. Since the permanent loan modification agreement is a recorded mortgage note, it must adhere to the principals of RESPA law. RESPA law requires that mortgage notes move interest collected forward in time, since mortgage interest accrues in arrears. With that being said, since this mortgage note was recorded on XX/XX/XXXX, the first full payment of {$1300.00} be due XX/XX/XXXX. Bank of America has a XX/XX/XXXX payment due date, which obviously violates RESPA law and would affect the TIL mathematical calculations. I spoke to a manager at Bank of America ( XXXX XXXX ) He advised that Bank of America they is still collecting on the trial loan modification payments, even though the permanent modification has been recorded. Per clause 4 ( B ) in the new mortgage note, it clearly states This agreement supersedes the terms of any modification, forbearance, trial period plan or work out plan that I entered into with the lender. Therefore, there is no way to apply the any funds paid on this mortgage note prior toXX/XX/XXXX. Understand also that since this a Making Home Affordable modification deal, the Federal Government compensates Bank of America for economic loss. The mere fact Bank of America is trying to over collect on the debt and also bill the Federal Government is preposterous. The National Mortgage Settlement in XX/XX/XXXXclearly established law relating to bait and switch tactics relating to trial loan modification contract transition. Bank of America was the principal party named on the XXXX National Mortgage Settlement. Moving forward to XX/XX/XXXX, B of A transferred my loan to XXXX XXXX XXXX. XXXX claims that the loan was 90 days past due and had a {$1000.00} negative escrow balance at the time of the transfer. There is absolutely no way the the escrow could have been deficient at the time of the transfer, since the regular escrow payment due was {$320.00} per month and B of A was collecting {$430.00} per month. If anything, I am due an escrow refund from B of A. XXXX also forced me into a forbearance plan that increased my payment {$1400.00} per month, based on the alleged delinquency purported by Bank of America. Overall, I have overpaid my mortgage payments by over {$4600.00}. Since my regular monthly payments are {$1100.00} per month, I have over paid by three full payments plus a credit of {$1000.00}. Since both Bank of America and XXXX claim I am still delinquent, I am seeking your assistance on this matter.
I am a XXXX Veteran. I was contacted by USAA and told that I was pre approved for a mortgage, and they assisted me with figuring out monthly payments, and a GFE. 
The told me about the program that the government has regarding discounted home taxes. They asked me my XXXX amount, ( 60 % ) and told me that my house taxes would be reduces by that amount. When the qualified me for the loan, and I found a home they used that number for the taxes, and it greatly reduced my monthly payment. 
At no time, did they ever explain any other parameters for that program., or state that the taxes had any chance of not being reduced by 60 %. The link they even sent me for the government program, does not say the taxes are subject to any other local parameters. 

After I closed in XXXX, I then found out that the tax exemptions have to be filed for by a certain time to be counted for the following year. Because I closed in XXXX, it was already past that point. 
I filed, and the earliest they tax exemption I would get was now 1 1/2 years away. 
I made arrangements to pay the mortgage payment that was now {$2400.00}, not the {$1400.00} they estimated me, for the time being. 
When I filed for the tax break, they could not confirm the amount, and stated I had to wait until it kicked in, next year. 
When the " tax break '' finally kicked in, I found that it was a 60 % reduction on state and federal only, NOT school, which was the bulk of the taxes. 
my tax break was barley {$1000.00}. which I get in a lump sum, and my payment is still $ 2450 monthly! 
Each school district decides how much of a break, if any, to give. This was never even mentioned to me- and would have greatly effected my decision on where I purchased my home. 
I am now stuck with this {$2400.00} payment, and just barley making the payments every month. 
I am a single mom, XXXX veteran, on a fixed budget. Not fully explaining this program, and providing me with monthly payment estimates, and qualifying me for a loan based on a number they had no control over- was completely unethical.
At the suggestion of the New York Department of Financial Services, I am filing a complaint against Chase for arbitrary and capricious denial of Loan Modification relief in violation of Chase Bank Settlement decree entered into NYS Department of Financial Services Settlement Agreement, XXXX Consumer Protection. After 60 days of processing loan relief documentation, the only offer given to me was to sell my property. Lastly, I just received notice from Chase stating I have reached the end of my fixed interest rate period and they now have the right to adjust my interest rate as they seem fit.
On XXXX XXXX, 2015 a balance transfer check was sent to Barclays U.S. Airways Dividend Miles Master Card ( Barclays ) account from U.S. Bank XXXX XXXX ( Visa ) account in the amount of {$4500.00} ( my entire balance ). XXXX has proof that Barclay 's cashed the check ; however, the balance transfer is not reflecting in my account. The balance on my Barclays card should be zero dollars. It is still incurring interest and I am being charged late fees, plus, the full balance is showing up on my Visa card and my Barclay card. This means that I am carrying double the debt and required to pay XXXX the interest rate charges. I submitted a formal complaint with Barclays on XXXX/XXXX/2015. My case number is XXXX. I faxed a typed complaint letter and a photocopy of the check to Barclays on XXXX XXXX, 2015. I have proof of that of fax confirmation.
In XXXX of 2015 I purchased a car from Drivetime in XXXX. I was given temporary plates and was told that my permanent plates would be mailed to me. The expiration date on the plates was approaching so I called. " They are on their way. '' I called everyday for 2 weeks. Nothing. My son went to the store for me and was pulled over, 1 day after the temps expired. He was ticketed. I went to the Drivetime store and spoke to XXXX, the GM. He stated, " I am so sorry. Your car 's file was placed in a drawer with some others and the paperwork for registration was never sent out. '' He then proceeded to ask for the ticket and my insurance information. He stated, " I will make sure this is taken care of before the court date. It was our fault. This is our responsibility. '' I was given another temporary plate and when I asked for the original ticket, he said he needed it for payment. 
Through XX/XX/XXXX I have been calling, and following up. It escalated to Customer Relations where I was speaking to XXXX. Per XXXX only part of the initial ticket would be paid even though XXXX said it would all be taken care of. And then when I called again, I was told by another rep that XXXX would no longer be taking calls from my on this matter. It was considered closed. 
We have not received any letter from the courts so we thought the matter was indeed taken care of. My son, who is now XXXX, is swearing into the military this week. We find out that NOTHING has been paid and my son has WARRANTS!! When I call Drivetime, I speak to XXXX who has to " research '' this because it has been 6 months and then says, " If I were you I would get a lawyer. '' Then she follows it up that they will only pay a partial cost of the fines as XXXX initially stated. 
I 'm sorry but after almost a year of fighting with this company, not even including the mechanical issues I have had with the car is just to much! If they had done their job filing the paperwork there would never have been a traffic stop to begin with.
My complaint is with XXXX XXXX and debt collection agency located in XXXX Pa. I had an outstanding balance on a credit card with Capital One which was farmed out to XXXX XXXX for collection. I had paid off 2/3 of  the debt and have a balance of {$570.00} that I intend to pay off. I expressed this to an agent whose name is XXXX XXXX. Right away she got aggressive when I said I would take care of it when I had the money which would be around the XXXX of the month. She wanted to set up check/bank arrangements right away or a payoff schedule. I told her three times that I would pay them at the XXXX of the month. In reviewing my telephone call history I have seen XXXX has been calling me very frequently since XX/XX/18. This morning XX/XX/18 Ms XXXX and XXXX XXXX  called me at XXXX XXXX using a spoof telephone ID number from XXXX XXXX. ( XXXX ). When I answered she asked if I was my name without identifying the nature of the call or the identity of her company. I didnt give her any info. End of call. She followed up per my call history 7 minutes  later with XXXX XXXX usual phone number showing correct area code and exchange ( XXXX ). I didnt answer it. 

I have told them repeatedly that I would deal with them on the XXXX of the month. The phone calls since then appear to be an insult and harassment and I think something should be done about it. 

Further the agent read a disclaimer to me that debt they are trying to collect maybe something which Capital One credit card may deem to be old and beyond the statute of limitations. This is bizarre. Why is this being read to me if the debt is possibly not a debt by their own words? 

I feel that while I owe Capital One, this debt collector is becoming abusive with daily phone calls, not representing themselves for who they are, trying to strong arm me into making financial arrangements against my personal checking account after telling them repeatedly I would pay them on the XXXX of the month and calling all hours of the day. I realize they can call between XXXX and XXXX XXXX. They need to be stopped. 

I have recently moved from XXXX where I incurred the debt. I now reside in XXXX.
XXXX XXXX XXXX XXXX IS INCORRECTLY REPORTING THIS ACCOUNT TO TRANSUNION AND XXXX AS OPENED CHARGE OFF, WHEN IN FACT IS CLOSED PAID IN SETTLEMENT.
EQUIFAX 2017 SECURITY BREACH SERVICE AND COMMUNICATION PROBLEMS I am part of the Equifax 2017 recent problem where Equifax security was breached. I am having problems getting any action, information or response from the telephone numbers or help numbers that are associated with the debacle. 

The fax number is busy, there are no active Equifax numbers for actual customer support listed in the main web site. 

I want to secure an immediate credit freeze on all my accounts and I ca n't get any of the existing numbers, after excessive hold and wait times to respond. 

Due to the situation, there should have been mail notification to all those affected and automatic steps to secure the accounts. 

I am appalled at the complacent responses to this serious matter and ineffective communication that is being tolerated by the consumer protection agencies.
I have applied a credit card through XXXX XXXX XXXX sometimes in XXXX. 
then I moved to another apartment and missed all the letter they sent me and I never use it even once until now, and then I found out that they reported a late payment of {$140.00} on XX/XX/2019. Then i contacted them to ask what is that fees about and they say it is from me not paying the annual fees so it is became late payment on my credit report and I paid it off so they could correct the report but they did not. so my credit score went down due to their incorrect report.
In XX/XX/XXXX, I had an auto-payment of {$89.00} bounce. I called, made a manual payment over the phone, which they used to cover the XX/XX/XXXX payment INSTEAD of the missed XX/XX/XXXX payment. This happened for XX/XX/XXXX as well, meaning I was technically a payment behind. Finally on XXXX XXXX, after they had called and texted saying I was behind and getting assessed a fee, I called them to make sure my account was up to date. Over the phone, the representative said yes that I was all current ( for XX/XX/XXXX ), failing to tell me that I still owed the extra {$89.00} for the payment from XX/XX/XXXX. Today, again I logged into the account, discovered low and behold I 've got a late fee and still a payment behind. Made an online payment, then called to find out why in XX/XX/XXXX I was told the account was up to date when clearly I still needed to make up the payment for XX/XX/XXXX. They said that when I called I was current because " technically '' though payments are due on XX/XX/XXXX, they do n't assess you as delinquent until XX/XX/XXXX. This still failed to explain why no one on the XXXX XXXX told me I was technically a payment behind. They did wave the late fee, but only after I raised a stink about how they should have been upfront about the fact that I was only paying the current month and not the back month.
I SUBMITTED MY REQUESTS TO XXXX AND EXPERIAN USING THE ANNUAL CREDIT REPORT REQUEST WEB SITE. BOTH SITES HAVE REJECTED MY ELECTRONIC REQUEST. EXPERIAN STATING A CONDITION EXISTS THAT PREVENTS THEM FROM ACCEPTING MY REQUEST AND TO MAKE MY REQUEST BY MAIL. XXXX HAS REFUSED MY ELECTRONIC REQUEST FOR YEARS. I COMPLAINED ( XXXX ) A YEAR AGO AND RECEIVED THE XXXX CREDIT REPORT DATED XXXX XXXX, 2015. I DO NOT UNDERSTAND WHY I CAN NOT DO SO ELECTRONICALLY. IF THERE IS SOME SORT OF ERROR IN THE FILE PREVENTING ME FROM OBTAINING THE REPORT, I HAVE NEVER BEEN GIVEN AN OPPORTUNITY TO CORRECT IT. I PREFER TO MAKE MY REQUEST ELECTRONICALLY USING AN ENCRYPTED WEB SITE RATHER THAN SEND MY PRIVATE INFORMATION THROUGH THE MAIL. MY REQUEST IS TO RESOLVE THE MATTER AND BE ABLE TO REQUEST MY REPORTS ELECTRONICALLY.
I received a call at XXXX XXXX. on XX/XX/ 2019 from a very brusque-mannered man who threatened that my rental and credit history would be RUINED because I refused to provide personal information. He said he was " notating my file as a refusal to pay '' when I advised that I would not be giving any personal information to a stranger by phone because I've been a victim of identity theft. I never said anything about refusing to pay ; nor did I acknowledge whatever the debt was that he was speaking of. I was threatened about my credit and rental history regardless by the collections representative. My FDCPA rights were violated.
Hello Sir/Ma'am I have purchased furniture from XXXX store and they gave me interest free credit for two years. The credit account is with Synchrony Bank. Payments were normally taken out of my XXXX XXXX XXXX XXXX   until XX/XX/2018 when I was shocked that Synchrony Bank withdrew the total balance from my account! After contacting Synchrony, they claimed that I made full payment which is illogical! Anyway, after submitting a dispute XXXX XXXX XXXX XXXX refunded me my own money. The problem is that Synchrony suspiciously claiming that they credit ( refunded ) me the whole amount again and trying to charge me!! I called Synchrony bank to investigate but they insists that I was paid twice. I have only one checking account with XXXX XXXX XXXX XXXX and they confirmed that only XXXX refund to my account through XXXX XXXX  XXXX XXXX! I need your help please
On XXXX/XXXX/2015 I noticed an unauthorized inquiry on my credit file. When I noticed the inquiry on my credit file I notified Pressler & Pressler of this discrepancy. They ignored my request. It has been over XXXX days and they still refuse to remove this inquiry from my credit file. I have no open accounts with Pressler & Pressler. My attorney will be reporting Pressler & Pressler to NJ Attorney General XXXX XXXX if they do not remove this inquiry immediately.
I have contacted the bank regarding loan mod paperwork - the point of contact and superviseor do not return phone calls and emails are auto-generated stating they are " out of office. '' The Bank dual tracked me to Foreclosure and are still practicing Dual-tracking to foreclosure when I have income to pay my mortgage and am trying to get a loan modification.
I live in the city of XXXX, and moved in to my house in XX/XX/XXXX.  My mortgage company, Freedom Mortgage, required me to open an escrow account to cover my real estate taxes and house insurance when we got the loan. I have never missed a payment, or been late for a payment. On XX/XX/XXXX I was served with a notice from the city that they were threatening to start a sheriff 's sale on my house due to missing real estate taxes. They had already taken out liens against me for underpayment of real estate taxes in XX/XX/XXXX and XX/XX/XXXX. This was the first I was ever notified of this. It had turned out Freedom Mortgage had incorrectly determined the amount of real estate taxes owed on the house, and neither the city nor the mortgage company gave me notice of this. For {$2700.00} under underpayment over two years, I now owed the city {$3900.00} including penalties and interest. Somehow, Freedom Mortgage had figured this out and paid the correct amount for XX/XX/XXXX taxes, but did not take care of the missing balance from the previous two years. I immediately notified Freedom Mortgage about the issue, and they said they would take care of it, and cover the penalties and interest. I spoke to three different customer service agents who told me the same thing, but no one would send me confirmation of this in writing. 

Freedom Mortgage took longer than they said to pay the tax bill, risking me further legal action with the city. I was forced to hire an attorney to defend myself and my home from the city. Finally Freedom Mortgage paid the bill, but deducted the entire amount from my escrow account, rather than just the portion of the principal, and then sent me a bill saying I needed to pay them $ XXXX to cover my negative escrow balance and keep it full going forward. After hours of the phone, waiting on hold to speak to people familiar with my case, someone told me that " upper management, '' whom I am not allowed to speak to directly, had decided that I should 've notified them about the underpayments earlier so I was responsible for the penalties and interest, even though the city never notified me. When I called the city they said they had been sending my tax bill to the mortgage company. The Freedom Mortgage service rep two weeks ago said they 'd " discuss this further and reconsider '' but then stopped returning my phone calls. I can no longer get hold of anyone senior enough at Freedom Mortgage who can discuss my case. Calls to them take over 30 minutes even just to leave a message for someone who wo n't call me back.
In XXXX 2016, I noticed a derogatory tradeline on my credit report from Wells Fargo in excess of {$4900.00}. I was not familiar with this account and given recent revelations about Wells Fargo 's unethical and illegal practices regarding millions of fraudulent accounts, I requested, in writing, that they provide me with specific details associated with this account ( # 1 in attached ). 

Not only did Wells Fargo ignore my lawful request for information regarding a tradeline that they were reporting, they subsequently verified same with each of the 3 main bureaus - each instance a clear violation of Federal and State ( TX ) law. Wells Fargo continued this behavior on multiple occasions, despite my repeated requests for information. 

After months of my requests being ignored and the tradeline repeatedly being updated, I notified WF of their illegal activity ( # 2 in attached ) and demanded that they immediately cease reporting this account which they refused to apprise me of. This request was also ignored and the reporting continued. 

I ultimately reached out to XXXX XXXX, CEO of WF, directly ( # 3 in attached ), advising him of my experience with his company and asking for assistance. He, also, could not be bothered to reply to me or have anyone follow up. Their illegal reporting of this tradeline, that I have NEVER been provided with details of, continues to this day.
1.My mortgage company refuses to reimburse me for bank charges they caused by attempting to withdraw funds 3 days early. 
2. In the last 5 months I have received foreclosure notices because this mortgage company claims I was late or did n't pay, which is incorrect, I have always paid on time and have copies of there records and my bank records to prove I was always on time and they reported me to the credit bureaus as being 30 days delinquent for XXXX, XXXX, XXXX XXXX of XXXX and this company refuses to retract this error. 
3. I have bee billed for late charges in the past 5 months to the tune of XXXX. All of which are not valid. 
4. Between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX they failed to post my monthly mortgage payment. 
5. I have written to this company with these complaints and theey refuse to change there position. 
6. They have increased my monthly mortgage payment by XXXX per year without an explanation. 
7. I sent them additional funds to cover an escrow shortage that were not posted.
In XXXX of XXXX, I contacted XXXX XXXX XXXX XXXX XXXX to retrieve furniture from a lease to own program. I was told to wait for a call from a manager to have the furniture picked up and lease ended. This never occurred. I was also told that I could not bring the furniture back to store ; it had to be retrieved by XXXX 's. I continued to call XXXX 's over the course of the next four months to have the furniture retrieved, which did not occur. Eventually, I had to move the furniture in order to keep it from being taken by the apartment in which I lived, as my lease ended. Finally, once I told XXXX 's I had moved this furniture, they came to the new address to retrieve it, and reported me as having a paid charge-off on my credit. I spoke with the customer service folks, and was told that they would not investigate the information. If I was to dispute this through the credit bureau, they told me they would simply send it back because they say it is accurate rather than looking the information up and providing the evidence. I have not disputed this with the credit bureaus at this point as a result of what the XXXX 's representative said about not investigating and simply returning it back to the credit bureau.
I called this company and they said they would consolidate my loans and give me loan forgiveness for all my loans and would only charge me based off my income. also told me after 3 years whatever my payments was during those 3 years was enough and my loans would be dropped and would be forgiven. They said based off my income my payments were XXXX dollars when in all reality all they did was put me in deferment for a year. they also charged me XXXX dollars for this service.
I have n't able to get a report from Experian even after calling 3 times.