WillisBack/dataset-financial-user-claim huggingface dataset:
Exploring options to consolidate debt, I looked toward my existing mortgage holder, Wells Fargo. On the account summary page to the right side there is a planning and tools section. One link is " View your FICO credit score '' - I did and onXX/XX/XXXX it was XXXX. Knowing that is an excellent score I decided to explore their options and completed their Credit Options Guide. I then called in to explore the options presented as possible solutions in the guide. I spoke to : XXXX XXXX Inbound Sales Specialist XXXX, ext. XXXX ( She was very polite ) She took my info, understood that my goal was to consolidate my credit card debt, {$36000.00} worth by using the equity in my home. XXXX estimate that night was {$220000.00} and my mortgage balance was just over {$84000.00}. I am in insurance and financial sales as a XXXX worker I do not have a " regular paycheck '' so with the XXXX score the information provided it seemed like a good solution to reduce interest expense and allow me to pay off my debt much sooner than the current pace. 

I was eventually declined because of my total amount owed is too high and my debt payments would be too high - the woman that called me to tell me I was declined actually said after I reiterated that my goal was to pay off the CC debt, that they were concerned I would just run it up again. I get that, but isn't that true of anyone who consolidates debt? 

In the letter dated XX/XX/XXXX, they stated that my credit score is XXXX, 29 points lower than the FICO score on their website. The night I received the letter I went back and again selected the link " View your FICO credit score '' and this time it came back as XXXX, just two points lower, not 29. 

My complaint and what I would like to have happen : The " View your FICO credit score '' is  misleading - I would not have applied for a HELOC of {$40000.00} with a XXXX score. How many other people are being baited into making a financial decision that can have a negative effect on their ability to apply for credit again with another lender by being told they have a much higher score than they really have? 

I would like the Decline to be removed from my credit report so that when I do reduce my debt and apply elsewhere I am not negatively effected by the Wells Fargo decision.
ConServe sent a wage garnishment to my employer in XXXX 2016. After completing wage garnishment calculation sheet with my employer ; I called ConServe to see about getting into a REHAB program. I spoke with XXXX and he walked me through several online and printed documents that I had to complete to supposedly get into this so called REHAB program. He told me that my employer could hold off on the wage garnishment until a letter from XXXX XXXX XXXX is received that would change my payment to $ 5 month and he then said to ensure that this is done, I needed to make XXXX {$5.00} payments over the phone. I did this by giving him my account information. My employer called me in to say ConServe had called her and that the wage garnishment that we calculated would have to begin immediately at which time I called ConServe again to find out what is going on. I was told at that time that the {$5.00} payment was being made to Conserve to REQUEST a payment reduction or CANCELLATION from XXXX and that I would have to continue to make XXXX consecutive {$5.00} payments ON TOP of the wage garnishment payment before a request would be made to XXXX XXXX XXXX. It 's now XXXX and I 'm still completing paperwork in regards to a {$5.00} payment and still being garnished for the calculated amount. None of what they say, make any sense to me. There is no way XXXX will stop a {$22000.00} debt based on 5 consecutive payments made on time. I 'm trying to get them to be honest with me, because why should I pay them {$5.00} a month to ask XXXX something that I know will not happen. It 's crazy and they 're being very deceitful. XXXX should be ashame of themselves for contracting such an unprofessional company to manipulate hard working individuals ; who clearly do n't have the money to even pay back these loans. It 's not that we do n't want to pay ; but times are hard and the money is simply not available at the time. To hood wink someone into making payments like this is TOTAL FRAUD! I WILL BE MAKING A COMPLAINT TO DEPARTMENT OF EDUCATION AS WELL!
Loan modification/loss mitigation options are denied because lender states they have not received the requested documents. The requested documents were repeatedly submitted. The last date consumer submitted the documents to lender was XXXX XXXX, 2015. Additionally, lender repeatedly asked for letter from former employer stating consumer is no longer employed despite having a letter from the consumer stating she is no longer an employee of the company and a Notice of Separation from Consumer 's state 's XXXX.
Borrower suffers from XXXX and has been through a grueling process to try and keep his home. Now, he is in a short sale and we were able to obtain an all cash non-contingent offer at a price we believe is more than what the banks own BPO came in at. Nationstar has been made aware of the borrowers medical condition and how the stress of the process continues to affect him yet they have not responded to the offer stating the borrower has to list his home on their auction site and go through an auction process to " validate '' the sale to make sure they are receiving an offer that is in line with fair market values. We have asked the bank to provide us with a copy of their own BPO or to tell us what the BPO came in at and they will not. In addition, strangers came to the property today and knocked on the door stating the property was listed online as going to auction today. When I called the bank, the bank said they have not scheduled the online auction and did not provide a time frame. I have checked with foreclosure advocates and attorneys and a few of them had said that Nationstar has not made this a requirement for ALL borrowers and the fact that the borrower informed them in writing of his medical situation and his disagreement with having to be placed in an online auction should have been enough for Nationstar to provide him with an exception to the online auction like they have done for other borrowers.
My wife and I had a mortgage foreclosure in XX/XX/2011. It still shows on our credit reports and should not. The sites do not have a link to ask that it be removed. I think this is deliberate, to discourage communication.
I have received XXXX letters now XX/XX/XXXX from a collection agency on a debt ( that I do n't even remember ) from XX/XX/XXXX. However, I do remember that I had any and all debts discharged from a bankruptcy XX/XX/XXXX.
On XX/XX/XXXX I received a phone call from XXXX XXXX with XXXX XXXX stating that I had student loan debt in collections in their office. I attempted to make a payment arrangement of {$100.00} a month with the company however they were asking for a good faith payment of 15 % of the balance of {$15000.00} which I did not have and I explained to Ms. XXXX that I did not have that amount to put down as a good faith payment. 
The company is unwilling to make an arrangement without a good faith payment which I do not have the means to pay. 
Prior to this being transferred to XXXX XXXX I had an agreement with XXXX XXXX XXXX and received in writing an agreement to pay {$230.00} a month beginning XX/XX/18. XXXX XXXX XXXX never gave me to opportunity to respond, agree to, and make the payment as it was transferred to another collection agency. 
Ms. XXXX also continues to tell me that she knows that the co-borrower on the student loan has the assets to pay the good faith payment and states that she can not disclose to me how she knows that information. 
I submitted a complaint on XXXX XXXX XXXX back in XX/XX/2018 and received a response stating they would be willing to work out an agreement. The letter was dated XX/XX/2018 I believe, the letter then had to be mailed to me which would take a couple days and thats not including XXXX XXXX holiday and weekends ( mail isnt delivered on Sundays ). Ms. XXXX from XXXX XXXX states they received my account in their office on XX/XX/XXXX. That didnt give me any time to receive the letter from XXXX XXXX XXXX and respond which I feel is unfair.
One of the credit service that I always use they always monitoring your credit and alerts you when key change to your credit, including suspicious or fraudulent activity, are detected. XXXX obtained a copy of my Transunion credit report on XXXX/XXXX/2016 from a different person who name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX. In which that I never live in XXXX fl, but some how that person use my name to try to get approval for some financial with XXXX ... ..etc
Ocwen Loan Servicing employee XXXX XXXX responded to my consumer complaint, XXXX XXXX, XXXX. XXXX XXXX attached a so called XXXX none fully executed XXXX XXXX XXXXXXXX XXXX modification with a forged signature. In addition XXXX XXXX attached loan modification schedule A with forged initials. Forgery and Fraud. It is illegal for incompetent loan servicers to use voided fraudulent documents, false principal balances, false payment history, fraudulent other fees, illegal force place insurance policies, commit fraud in the county recorders official records to slander title, then start using threatening tactics by using cozy relationship with trustee servers as a weapon against homeowners using fear and threats to coerce homeowners into increased modification they never applied for to avoid fraudulent trustee sales demanding hundreds of thousands of dollars in increased principal balances to fill own pockets with cash. I never signed the XXXX so called XXXX XXXX XXXX XXXX modification and I never initialed the loan modification schedule A. Ocwen Loan Servicing employees are covering up the loan servicers crimes so they can steal my home to fill there own pockets with cash. Ocwen and its employee are abusive and fraudulent. I contacted XXXX and was advised the tracking number on XXXX XXXX fabricated documents does not exist. Ocwen Loan Servicing, its shady employee XXXX XXXX and its lawyers are corrupt and should be in prison. This is the United States of America and we allow Ocwen employees and its lawyers commit such unspeakable crimes? It is illegal for the Consumer Financial Protection Bureau to collect millions in fines then allow Ocwen the option to not admit wrong doings so they can continue its crimes and abuse to homeowners, because that is exactly what 's been going on. Is it really about protecting the homeowners or is it really about collection millions?
After requesting each consumer bureau remove negative XXXX reporting off my credit report I directly contacting XXXX by phone XX/XX/XXXX, I was told by supervisor " XXXX '' in XXXX XXXX, XXXX XXXX will not remove the negative collection report off my credit report. I had always disputed the fact that although habitually delinquent due to XXXX/loss of income at the time I had always paid my account. I was too sick too fight the mega-giant, my account was closed in XX/XX/XXXX and with my XXXX settlement in XX/XX/XXXX I paid their collections. Now I was well enough to search my financial recordsXX/XX/XXXX I made a written request to remove the false report and provided bank records demonstrating that I had indeed paid my account and was falsely sent into collections. This written request and evidence has been ignored. According to " XXXX '' at XXXX ( there was XXXX accounts under my old phone number when I called XXXX I never made a payment from XX/XX/XXXX and my account was closed and sent to collections.
I have federal student loans through Navient. I noticed my entire payments were going to interest and my balance was not getting smaller. I went to the website to see a monthly statement. there is no monthly statements available. there is no explanation for how the monthly payment is being used toward my loan or how much interest is accruing monthly. I called ancient to request a monthly statement. I want to know how much I need to be paying each month so I am covering the interest and paying down the principle. I could not get any answers. they could not even tell me what my balance was at the beginning of the month. there is a large amount of accrued interest. I am trying to find out how to get this back under control so I am not getting further behind. I could not get satisfactory help. this does not seem legal to not be able to get a monthly payment or find out how your payment was allocated.
In XXXX our mortgage became late now XXXX and XXXX different agencies later I 'm still making the same mortgage payment and the company I make it to is not listed on my credit report but the original company is but it shows the account as a charge off. I need help.
I received the letter on XXXX XXXX 2017 and disputed the debt of {$680.00} with XXXX XXXX XXXX, as I have no knowledge of it. Reference number XXXX.
I was refused credit due to incorrect credit reporting practices from XXXX reporting agencies. I have had a running misinformation problem with Experian, XXXX, and XXXX credit reporting agencies for years. I have been a a victim of fraud as reported to all XXXX agencies in the past, as far back as XX/XX/XXXX. As of XX/XX/XXXX agencies are still putting out misinformation. 
Please help me put a stop to what is being reported. XXXX XXXX
My wife XXXX XXXX mistakenly overpaid Discover billing of over {$16000.00} in XX/XX/XXXX. After the Discover Credit statement came on the beginning of XX/XX/XXXX, finding the mistake my wife had contacted Discover Card customer service on the week of XX/XX/XXXX and requested a refund check back. We have been promised on the week of XX/XX/XXXX that we should get a check sent to our home in three weeks by Discover Customer Service on XX/XX/XXXX we had contacted Discover Customer Service ( CS ) and was told the check should be there Monday on XX/XX/XXXX. A statement from discover came, but no check. Contacted a Discover CS supervisor and he had found that a check was started and then dropped. The supervisor offered a {$15.00} transfer fee to wire to our bank, because he said this should never happened and it should be no longer than two days for wire transfer to my bank at XXXX XXXX XXXX XXXX. I had contacted a CS supervisor on XX/XX/XXXX was it could take three days for wire transfer on Friday XX/XX/XXXX a supervisor put me on hold for an hour and came back to say he could not find out anything and would keep on top of it, asked for my phone number because he was sure to call me back ; he never did. One time I called after that and received a message about you won a free cruise because of a survey, all I had to do was to pay port fees and then the phone line went dead. Other attempts were made to get our money back to no avail. The latest Discover would give a time line when we could receive our money back and stated " We must follow certain guidelines when a credit balance refund is requested on an account. ''
THIS BANK is a RIP OFF! on XXXX XXXX I opened an Acct. w/WELL FARGO with a BONUS of {$250.00} after 60 days or 2mos, spending {$10.00} per mo. I spoke to Mr. XXXX XXXX the BANKs AGENT and he said give it a bit of TIME, I waited 30 days went BACK to Mr.XXXX, and he said wait a bit LONGER, 30 days later I went BACK to mr. XXXX he CALLED??? the MAIN OFFICE and told ME they, the MAIN OFFICE WOULD be in TOUCH, I recieved a letter STATING theyere aware of the MATTER and WOULD ADVISE, 30 days later I WENT BACK to Mr.XXXX  HE AGAIN CALLED the MAIN OFFICE they ASSURED HIM that THEY WERE on IT, I KEPT WRITING and CALLING and THEY WELLs FARGO kept STRINGING ME ALONG for SIX or SEVEN MONTHS, that is WHEN I DECIDED to START a CIVIl CASE AGAINST WELLs FARGO BANK, I HAVE ALL THE PAPERS, PRIMARILY A VALID CONTRACT FOR THE BONUS DEAL, they OWE ME TODAY {$1000.00} ACCUMILATED COSTS TOTAL as of TODAY, TOMORROW is ANOTHER COST!!!
Requested early PMI Cancellation Forms on XXXX XXXX, 2015. After a month, I still did not receive the documents requested. Called on XXXX XXXX, 2015 and I was told they held it up to investigate if I qualified ( but I was never informed of this ). They said the information would be emailed to me by end of day ( or someone would reach out if I did not qualify ). Neither of those two things happened. 

Called again on XXXX XXXX, 2015 and was told the requests were not submitted correctly and the rep would have to put in a new request. I was told documents are to be mailed out Monday XXXX XXXX, 2015. 

The delays have now cost me {$100.00} to date, with a high probability of costing me another {$100.00} this month.
My husband and I have had a credit card with Citibank for over XXXX years. This is an XXXX & XXXX XXXX and we were XXXX XXXX. We received a letter several weeks ago that they had cancelled the card because we had n't used it in XXXX years. There was no notice that they were going to cancel the card - just the letter after the fact telling us not to use the account anymore. 
I called customer service and was told I could either open a new account or go through a process to ask them to review the account to determine if they wanted to reopen the account, although there was no guarantee that they would actually reopen it. I then talked to a supervisor who told me the same information but added that she had tried to get Citibank to notify customers before the account was closed rather than after but that her suggestions had been ignored. I chose not to go through their review process because it would mean lifting our credit freeze at the three credit bureaus, for which we would be out about {$60.00} with no assurance the account would be reopened. 
I then wrote to Citibank about the situation. We received their reply yesterday - " It is our practice to notify customers AFTER the date we close the account '' ( Emphasis on after added. ) Had we been given even a few days ' or weeks ' notice, we could have used the card and kept the account open. Now, our credit score will be negatively affected and there seems to be no remedy with Citibank other than to go through a review process which provides no assurance that they will reopen the long-standing account.
I C System has been reporting that I have an outstanding debt from XXXX XXXX, but I have never had a XXXX account in my name. This has been effecting my credit since XXXX. I looked them up online and have seen countless reports about false reporting and predatory practices.
OCWEN Loan Servicing , LLC sent a letter dated, XX/XX/2017, received by my person on XX/XX/2017 via regular XXXX, within which, it states : " Recently, Ocwen Loan Servicing , LLC ( " Ocwen '' ) sent you a Notice of Default due to your loan becoming past due. '' It further states that, " ... ... which puts you in default of your loan agreement and the property may be referred to foreclosure after 14 days from the date of this letter. '' Account holder, XXXX, affirms the following : 1. I am not in receipt of the claimed " recently sent '' Notice of Default as of this date. 
a. I have spoken to XXXX, Agent ID XXXX, on this date, Sunday, XX/XX/2017, starting at XXXX EST to your XXXX customer service number and he advised of the following : i. The referenced Notice of Default has never been sent by OCWEN, thus the reason for my having not received it. 
ii. He has sent a request to the Research Department to find out as to why the referenced Notice of Default has never been sent, yet, it is referenced in the Pre-Foreclosure Referral Letter. To-date, OCWEN has not responded to my request to produce the claimed letter. 
iii. The recording of the call can be traced to this date between XXXX and the end of the call at XXXX. 
2. The letter states a 14-day clock reference as to possible foreclosure action, however, OCWEN 's acknowledged misrepresentation of the existence of a Notice of Default that was never sent to the consumer, makes their threat moot and in direct violation of the terms of the mortgage and applicable governing laws. 
Servicing of my mortgage is totally out of control with numerous misfires, misrepresentations and fabrications, in addition to OCWEN 's silence on the topic. 
I am most receptive to an amicable resolution in light of the fact of the many OCWEN missteps it continues to do and that can have significant consequences on my person, family and our home. 

For an organization to make a representation of the existence and submission of an important document such as a Notice of Default, when in fact it acknowledges and confirms it can not produce the document or any evidence of its existence is unethical and unacceptable. I trust your office can bring some sense into this in reaching an amicable resolution. Thank you in advance for your assistance. XXXX.
I am currently a XXXX and have been since XXXX 2014. However, in XX/XX/XXXX my Stafford loans from my XXXX were taken off of in-school deferment status by my servicer ( Great Lakes ) and I was asked to resume repayment and interest started accruing on my subsidized loans, which should be interest free while I am in school. 

I have twice submitted the form documenting my XXXX status ( signed by the registrar at my current university ), spoken with Great Lakes on the phone at least 8 times, and sent multiple emails trying to resolve the situation but they still have not resolved the issue. I have been given the run around rather than people actually trying to help me. For example, I was told they could not help me because their " system was temporarily down '' on multiple occasions separated by several weeks.
I am a XXXX in XXXX, Texas and this complaint is on behalf of myself and my client as well. 
My client was applying for an FHA mortgage with a company called Skyline Loans. The mortgage broker was XXXX XXXX, XXXX # XXXX. The problems were many, but the notable few were as follows : 1. Very shortly after requesting a preapproval from the lender, he mentioned to my client that he recommends the agent ( myself ) to pitch in a non-specific amount into closing costs for a reason both I and my client are unaware of. He then asked me for this amount -- an unknown amount. This was of course an odd request of the client. 
2. I then emailed XXXX to ask why and if this was necessary and a typical practice of his company. This email was met with a general lack of respect and professionalism. I have the emails to prove this. 
3. After this email conversation with XXXX, and after the house was well into contract, XXXX then offered alternative representation to my client with agents he knew that would gladly pitch in some still unknown amount to his closing costs. This of course was not well met with the client, and of course, myself. 
4. I never once mentioned any problems I was having with XXXX until after the deal was closed to my client. However, Shortly before closing date, my client called me late at night and complained to me for quite some time about the general lack of professionalism he received from his mortgage broker ( XXXX ) and that the promises he was assured of in the beginning and even throughout the process have not been kept, and the structure of the deal had even worsened significantly. The client felt there were blatant misrepresentations and told me he " has the emails and text messages to prove it, '' which he very much does. 
5. He once again told the client that the agent would need to pitch in parts of the commission towards closing costs to secure the deal. This is just days before closing. I called XXXX the next morning to alert him of the client soon the make a decision about switching lenders and BEHOLD, suddenly there was a forgotten large amount of lender concessions to apply to the deal that had been conveniently forgotten about. 

The deal closed, but the obvious self-interest at the expense of the client and general lack of professionalism are enough to form this compliant in hopes to alert any member of the public about this broker 's business practices.