WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2018 made a call to our mortgage company Pacific Union Financial regarding the increase in our monthly payment.  There was no communication to my husband and I that the current mortgage payment would be increased nor were we provide a letter with the option to either pay off the escrow shortage or roll into the current mortgage payment.   Pacific Union rolled in to the monthly payment which increased the monthly payment by $XXXX,  not a big deal however an explanation as to why would be appreciated.We reached out the lender to find out why the escrow shortage and why there was no communication. The two individuals we spoke to were not engaged in our issue nor did they seem the least bit concerned regarding our fustration.  The customer service was very poor and I felt like my husband and I were bothering them by even calling. When we made our XXXX payment Pacific Union referenced they were pending XXXX payment due to the increase. There was NO communication to this until I received my XXXX statement for XXXX payment.   When I called to speak to the Pacific Union I referenced we wanted to pay the shortage. They indicated it would be $XXXX which we paid so our credit was not affect as both my husband and I have excellent credit.  My concern is not one individual we spoke to at Pacific Union could explain why my escrow was short besides the fact my taxes for my property increased.  I did not receive any letter referencing any increase and when I followed up with my tax collector for our property it was indicated the taxes did not increase by $XXXX.   My complaint is I do not understand why our escrow would be short by $1,000 plus dollars when my monthly payment reflects escrow payment of roughly $600.  I want an explanation of the difference.  The issue is not the increase of the payment the issue is the lack of communication for the difference.   I asked to speak to a manager but was told the manager was unavailable to speak to me.  I am asking for a breakdown of the escrow to understand why the difference in the $XXXX.  I have read other complaints regarding Pacific Union and there seems to be a few regarding the lack of customer service as well as escrow account concerns.
I tried cancelling my Experian Credit Monitoring account. There is no way to cancel online. I tried calling and the # 's either did n't work, or they transferred me and left me on hold for a long time. Is this a joke?
There is a credit card listed on my credit report that is not mine. It belongs to my ex-husband. It is the credit card with XXXX XXXX visa. I do n't even have a credit account with XXXX XXXX
XXXX Called Navient in regards to an extremely high and rising interest rate. I wanted to know why this rate is so high and what they can do to lower the rate. I have been paying off the loan consistently. I understand the interest rate is variable, but at XXXX   % and rising, how can they realistically expect me to pay this loan off? The principal amount isn't being paid down only the interest. This is stealing, and is an unreasonable rate.
BY the way, the CFPB 's dispute site is not very user friendly. The options are limited for the complaints. I want to submit that all XXXX major credit reporting agencies dispute process on-line is not easy. These should be consistent and not require so many hoops to jump through. It should pull up your report and allow you to dispute each item and upload any additional documentation for your dispute. While some may offer these options, Experian is almost impossible to submit a claim as it kicks you out of your session then tells you you have to mail in your dispute? How inconvenient is that?
After a security breach at my employer, all employees were provided free credit monitoring service. After reviewing my credit report, I noticed an account that was not mine listed as a bad collection, which adversely affected my credit score greatly. Portfolio Recovery was listed. I contacted Portfolio Recovery numerous times, via US certified and read receipt correspondence. I asked for debt validation, ( they merely sent a copy of the last bill ), I asked for signed copy of the contract I supposedly had, proof they had the legal authority to pursue this erroneous debt, they never provided either. I complained twice with the CFPB and Portfolio would not cooperate, prove the debt was mine, and remained undeterred. Lastly, I sent another certified/read receipt letter stating I was willing to pay 75 % of the balance in full with the promise this erroneous collection will be removed from my credit report. They replied and did not want to negotiate. I rather pay for this debt then to keep the negative mark on my credit as a bad collection which will cost me 100s of dollars in higher interest rates for years. I was told that even if the bill was paid in full, this will remain on my credit report. I do not understand why a business will be so cruel to a consumer who was the victim of fraud. After speaking with my council and reviewing my credit report, I learned Portfolio Recovery Associates is reporting they are a factoring company. This is against FCRA section 623. This is violating my rights. This is unfair business practices with me, the innocent consumer, falling victim. I want this collection removed from my credit report from all three credit bureaus, to never appear again under different auspices, or traded or sold. Portfolio Recovery Associates are not being honest, fair, and they need to held accountable for their actions. I also filed a complaint with the Virginia BBB. Thank you for using the Better Business Bureau 's Online Complaint System. Your complaint has been assigned case # XXXX.
XX/XX/XXXX CFPB : JPMChase ARM Loan XXXX XXXX Accounting violates Financial Accounting Standards Board ( FASB ) Standards for verifiability. Verifiability QC26. Verifiability helps assure users that information faithfully represents the economic phenomena it purports to represent. Verifiability means that different knowledgeable and independent observers could reach consensus, although not necessarily complete agreement, that a particular depiction is a faithful representation. Quantified information need not be a single point estimate to be verifiable. A range of possible amounts and the related probabilities also can be verified. QC27. Verification can be direct or indirect. Direct verification means verifying an amount or other representation through direct observation, for example, by counting cash. Indirect verification means checking the inputs to a model, formula, or other technique and recalculating the outputs using the same methodology. An example is verifying the carrying amount of inventory by checking the inputs ( quantities and costs ) and recalculating the ending inventory using the same cost flow assumption ( for example, using the first-in, first-out method ). QC28. It may not be possible to verify some explanations and forwardlooking financial information until a future period, if at all. To help users decide whether they want to use that information, it normally would be necessary to disclose the underlying assumptions, the methods of compiling the information, and other factors and circumstances that support the information XX/XX/XXXX, JPMChase, through First Class Postage USPS Delivery, sent me a Mortgage Payment Schedule. The Accounting for XX/XX/XXXX lacks any detail, thereby rendering it Unverifiable. That violates Financial Accounting Standards Board ( FASB ) Standards for verifiability. I demand, that JPMChase waive all my mortgage loan re-payments in XX/XX/XXXX and account for all my mortgage payments in XX/XX/XXXX solely as Pre-Payment of Principal without Penalty, as Curtailment. Sincerely, XXXX XXXX XXXX, XXXXXXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX
Our mortgage was transferred by XXXX XXXX XXXX to Carrington Mortgage in XXXX of 2015. It has been a nightmare ever since. First of all, our payments went up {$100.00} because of an " escrow cushion '' they charge. I have never heard of such a thing before. Second and most important, they were calling us nonstop to sell us on an FHA Streamline program. After much persistence we agreed. We agreed under the terms that our loan would be closed in a few weeks. We were also told that we would get a month off from paying. Well it has been almost two months later, and nothing except a headache. We had to make our payment in XX/XX/XXXX, which we were told we would n't have to do. We had to make the payment to avoid any late fees. They kept sending us loan disclosure after loan disclosure to sign. We did this all under the notion that it would be saving us money. Now, the rates have gone up while we could have used another bank to refinance. This has actually cost us money! The loan closing officer kept telling us different stories as to why this process was taking so long. He even told us that the county was lying to us! I have never felt so taken advantage of in my life. Now, we are n't using them and we still have this high payments particularly due to this " escrow cushion ''.
I have been paying too the principal on my loan a XXXX XXXX Account : XXXX too Ally and they will not apply my payments to the principal with repeated phone calls and this is the last comfermation number # XXXX the agent told me his name was XXXX
I keep receiving phone calls from XXXX XXXX XXXX XXXX stating that they are trying to collect a debt for XXXX bank. The only account I hold through XXXX is an XXXX Store Credit Card. I called the number on my card and they have confirmed last month 's ( XXXX XX/XX/2015 ) bill was paid by the due date and this month 's ( XXXX XX/XX/2015 ) is set for the correct amount paid on the due date. Not only do they keep calling asking for money, I have received calls both on XXXX, and I have gotten automated voice recordings on my cell phone.
I have discussed with XXXX XXXX XXXX on several occasions about the multiple phone calls and emails that i have been receiving. The first time was in XX/XX/2018, i received a rude and very disrespectful call from numerous employees from that company requesting payment on my car note. I let them know that i am not able to pay at the moment and the representative continued to interrupt and make numerous threats to me if i did not make the payment. I told them at that time to not contact me by phone anymore. 

in XX/XX/2018 I received an email about a late payment. I made contact with Prestige to let them know my plans. The woman ( rep ) on the phone was really rude to me at which i passed the phone to my husband to speak. He told them at that time to cease all communication via phone or email and to just communicate via mail. 


at the end of XX/XX/2018, i received another rude and disrespectful phone call from Prestige requesting a payment..at that time i let the rep know that i had requested a cease and desist on all phone calls and emails. She went on to explain that the cease and desist was only placed for email. she assured me at that time that she will place stop on all phone calls and emails. 

In XX/XX/2018 i started to receive emails again after repeatedly telling this company that i cease all communication. Some of the dates may be off but I'm sure they have all if our communication recorded. To this day i am still receiving email communication from Prestige. I would like for this company to respect my wishes and not contact me via email or phone anymore.
on XX/XX/XXXXI placed a fraud alert on my credit report. On XXXX   it shows my statement as a fraud alert. On Equifax it shows my statement as ... if not verified then I demand it be deleted. I filed a dispute with Equifax on XX/XX/18 saying please remove any statements on my report because I no longer need it. The only statement I want on my report is the fraud alert.
XXXX Credit Reporting agency was granted injunctive relief to not report public records such as bankruptcy which has resulted in my credit report missing information and/or inaccurately reported information. Some accounts have been reported as charged off, included in bankruptcy filings, and/or other erroneous information. This injunctive relief is being requested XXXX XXXX XXXX to be lifted and will be submitted to the court of record ( s ) for the following reasons.

Attached is the immediate credit report following the discharge of the Chapter XXXX Bankruptcy with all of my accounts being listed. Some information remains incorrect such as a co-borrower who was also discharged on the XXXX XXXX XXXX   account. Some accounts that were revolving accounts and directly drafted from my bank account such a XXXX debt amount reported may be inaccurate or contain fees, etc as this was a line of credit. XXXX XXXX  who previously stated that this debt was included in the Chapter XXXX Bankruptcy was not an actual debt included and the surrendered vehicle in the second XXXX account should have been offset by any sale as well as the trade-in ( s ) after lease agreements expired, etc.

Given the fact that this is the closest to accurate credit report and the only report that is supported by a Chapter Bankruptcy order, with no order in XX/XX/XXXX, the default order in XX/XX/XXXX will be requested by consumer XXXX XXXX XXXX to govern her credit history and the request will include indefinite reporting of all credit history to alleviate misinformation to the public and potential creditors. XXXX has not released a free credit report as it pertains to XXXX XXXX XXXX in two years.
I'm contacting your company again because I just checked my credit report and now XXXX is also displaying fraudulent account balances to lower my credit score. XXXX   is retaliating against me everytime I contact your company for help with fraudulent credit inquiries and accounts that the put under my name to lower my credit score. Now they are purposely reporting fraudulent balances on my XXXX XXXX XXXX card in which they lowered my score 30 points because I had a so called balance of {$58.00} which is not true and I have attached supporting documentation because I have a XXXX balance. They also lowered my score another 40 points for fraudulent accounts which are XXXX XXXX XXXX with a balance of {$420.00} and that shows up twice on my credit report once in abbreviation and XXXX XXXX XXXX which these accounts are fraud and I want them removed from my credit report at one.
Dear BCFP Complaints Department. 

This is a complex situation. 

I did try to resolve this with the vendor. They went completely non-responsive for a long time. 

I appealed to The State of California Department of Business Oversight and I was assisted up to point of action against the vendor and that help was in progress with ATTY XXXX with CA XXXX in XXXX. In the end, after a long period of not hearing of any progress, Ms. XXXX wrote me to inform that the matter was outside of CA XXXX Jurisdiction. I found that confusing. 

I need some help. 

I returned the product. I deem the Lease Agreement now cancelled. 

In due course, now that I know the product has been received via insured delivery confirmation, I will write, as appropriate to all the Major Credit Reporting Bureaus in an effort to have the truth of the matter is understood before the vendor takes any action against me. 

XXXX ( XXXX ) XXXX XXXX
GM Financial 's website for billing has been reporting incorrectly for the almost 3 years I have leased a car. It continually shows the wrong amount due and incorrect due dates. Example : Login to the webpage it shows amount due as {$310.00} then look at the electronic statement and it shows {$290.00}. Consumers would be unsure as to what amount is actually due. Now at the end of the lease it shows {$750.00} due and no statement for XX/XX/XXXX. I called and they said I only owe {$140.00} ( which I paid ). I do not trust this company at all and I'm sure there will be more charges even though they tell me this XXXX 's out my account. This is very confusing and I have been very diligent to pay attention to statement amounts instead of the website but I'm worried that others would incur late payments and other financial hardships based on misinformation. This is very bad business. When I asked about this several times the only answer I got was they are working on it or they don't know why it shows this. I have talked to other GM financial customers who have similar stories. This needs to be investigated for predatory lending practices. I work for a large financial institution and if we did business like this we would be in trouble.
Equifax mishandled my personal information which has led to a breach that puts myself and the majority of Americans at potential risk. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via the news. 

As a result of this security breach, Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
I made a payment after I spoke with a customer service representative who informed that my account was active and would not be closed as long as I made the payment. After I made the payment my account was closed.
Sold my home via short sale on XXXX/XXXX/15. Mortgage servicer received and acknowledged payment on same date. Mortgage servicer did not post payment and show account as paid in full until XXXX XXXX, 2015. This action causes undue and unnecessary tax consequences to me. XXXX was sent and acknowledged and the request to correct was denied ( see attachment ) Mortgage company 's request for HAFA and HUD-1 was unnecessarily duplicative and presented only to delay the closure of the loan. Please correct the day of the paid in full date to reflect XXXX XXXX, 2015.
I signed a contract with Equitable acceptance for student loan management at the time I did not know that they were fraudulent company. In order to cancel my contract and I want me to pay an additional {$1000.00} to the nearly {$600.00} that I have already paid them. They are threatening to report me to the three credit companies and my credit score will be negatively affected. I already have a pretty bad credit score so this is not helping situation.
BAYVIEW IS ENGAGING IN DECEPTIVE LOAN SERVICING PRACTICES BY NOT PROVIDING UPDATED AND CORRECT FINANCIAL STATEMENTS, PROVIDING INCORRECT ACCOUNT INFORMATION IN ORDER TO CREATE A DEFAULT LOAN SCENARIO, NOT ABIDING BY THE TRUTH IN LENDING ACT, NOT PROCESSING/APPLYING MORTGAGE PAYMENTS IN ACCORD WITH THE SPECIFIED ACCOUNT SCHEDULE, NOT PROVIDING CORRECT PAYMENT INFORMATION WHEN REQUESTED, THEREBY CREATING A DEFAULT STATUS, NOT COMPLYING WITH THE FEDERAL REGULATED ACTS, THAT GOVERN LOANS AND PROCESS, AND THREATENING TO MAKE THE MORTGAGE LOAN IN DEFAULT STATUS, REVOKING A MODIFICATION AGREEMENT PREVIOUSLY AGREED TO BY XXXX XXXX XXXX, UNLESS PAYMENT IS MADE IMMEDIATELY ON XXXX/XXXX/16 ON THE TELEPHONE, WITH NO PROOF OR REQUESTED DOCUMENTATION PROVIDED PRIOR TO PAYMENTS BEING MADE. ADDITIONALLY THREATENING TO CANCEL THE MODIFICATION AGREEMENT XXXX HAS SIGNED WITH NO NOTIFICATION PERIOD OR GRACE PERIOD AS PER FEDERAL LAW, IF PAYMENT NOT MADE ON XXXX/XXXX/16 VIA THE PHONE BY XXXX XXXX, DESPITE XXXX XXXX DISAGREEMENT AND REQUEST FOR PROOF OR STATEMENTS TO BETTER CLARIFY THE SITUATION
Today I got a credit alert from XXXX and there was an alert that decreased my credit score. The alert was on an inquiry from Capital One Bank XXXX XXXX, XXXX XXXX XXXX Utah, XXXX from XX/XX/XXXX ... Last time I checked it 's XX/XX/XXXX. I  called the bank listed with the number provided. They checked their data base against my information and of course I did not show up in any of their departments due to the fact, I did not apply for credit with this bank. I believe XXXX and their employees are maliciously damaging my credit from previous complaints. They are adding accounts that are not mine, XXXX XXXX account that was allocated by the store of purchase to my ex husband, I have disputed. They fraudulently adding inquiries, they are fraudulently increasing my debt to credit ratio. Something MUST BE DONE! This is the third time I 've made a formal complaint, two to the FTC and one to the CFPB.
Ocwen Home Mortgage has been assuring customers that they are paying out their escrow to their Home Owners Insurance Companies, but are not doing so. I have had multiple contacts with the company, to which they do not update that I have called stressing the importance of this being paid. 

In contact with my Home Owners Insurance Company ( XXXX ), they have told me that Ocwen is notorious for not paying their homeowners escrow. I believe they are doing this for financial gain. Since HomeOwners Insurance is a contingency on a loan, Ocwen does n't pay a 3rd party, because if I lose my insurance ( which I did temporarily due to their negligence ), I automatically get enrolled on Ocwen 's very expensive Home Owners Policy. 

I was forced to pay out of pocket for my Insurance, even though my money is in the escrow account. Now I want my money back from Ocwen, and they are pretending that they have no knowledge of my request every time I call. 

They are able to keep my money and not pay me back, but if I keep my money and do n't pay them the due mortgage until they refund me, then I lose my house. This is XXXX banking at it 's finest.
In XXXX 2015, my mortgage servicing company, Stonegate Mortgage, sent me correspondence stating that they did not have proper insurance on file for me. I called them stated that XXXX was my homeowner 's insurance agent and that I would get them the documentation, and asked where to send it. The representative I spoke with told me that it was not my homeowner 's policy that was needed, but the policy for the homeowner 's association. I obtained that from my homeowner 's association president and provided that electronically to the email address the Stonegate Mortgage representative told me to, which was XXXXXXXXXXXX on XXXX XXXX, 2015. I received a same-day automated response that that address had received what I sent, on XXXX XXXX, but that it was being reviewed. Then I received an additional email with " secure messaging '' which requires you to go to a different website, and log in to view secure messaging. There was nothing there. So I called and the representative said that they were still reviewing my insurance document. So I thought everything was under review and would be taken care of. In XXXX, I received another message that my insurance information was missing. So I sent it in again on XXXX XXXX, 2015. Again, I received a response that they had received the document and it was under review. I then received another " secure messaging '' request, which produced no results. So I sent them a message saying that I can not receive this type of message so they would know that their system is broken. Then, I started seeing a " lender placed '' hazard insurance fee on my mortgage bill and a notice that my payment would increase from the normal {$320.00} to {$490.00}. I have attempted to communicate with Stonegate Mortgage on multiple occasions, but they refuse to update the information. This is an unethical, predatory company which sees my small mortgage as nothing more than an annoyance that they can not make much money on. So they are attempting to raise my mortgage by exercising a " lender placed hazard insurance policy '' which is not necessary. I 'm so exhausted from arguing with this horrible company. Please help!
Ocwen Loan Servicing LLC is reporting two mortgage late payments on XX/XX/XXXX & XX/XX/2011. I made those payments on time via XXXX, XXXX XXXX XXXX on line payment system did n't work so the payments were posted late. XXXX XXXX XXXX, corrected the problem and deliver the funds to Ocwen, but they were posted as late payments, even thought it was not my fault at all. They can check my record and I have a perfect record payment thru today. I am applying for a Mortgage and this issue is affecting my credit. Please help.