WillisBack/dataset-financial-user-claim huggingface dataset:
We recently received our escrow analysis from Green Tree Mortgage and were informed that effective next month, our mortgage payment will be increasing by {$300.00} per month. They claim that there was " glitch '' in their system last year, such that while they paid our insurance premium, the amount had not been escrowed. As such, they are now raising our rate to compensate for this glitch to make up for a significant shortage. We were told that nothing could be done to rectify this, that it 's " simple math '', and to simply be thankful that they are spreading the shortage out instead of collecting it within 30 days. Even if we paid the $ 2500+ shortage out of pocket today, our monthly payment would still raise over $ 250/month to accommodate their " glitch ''. Needless to say, we are extremely disappointed & frustrated.
Equifax has failed to properly investigate the following issues on my credit report in accordance with the FCRA. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late COLLECTIONS XXXX XX/XX/2017 {$410.00} not mine XXXX XX/XX/2017 {$41.00} not mine
I locked in a refinance rate of 3.875 % on XX/XX/2017. Underwriting complete, loan was preapproved. On XX/XX/XXXX I was told rate is going up to 4.125 % due to manual underwriting. Is this legal?
i was checking my XXXX credit report and i found a collecton account on my credit report with amount : XXXX I didnt use this service and i didnt authorize it to be done under my social security number i contacted the original : the representive of the original creditor told me there is no unpaid bills or any bills under my name or my social security number has been transfered to the collection agency I Dispued i from my XXXX credit report and due to the invistgations it has been deleted from my transunion credit report but the Quality Asset Recovery reinserted it on my XXXX and XXXX credit report without sending me any notification - This is a violation to the Fedral Fair Credit Report ACT Section 6o9 FCRA Section 6o9 XXXX The original creditor should ask me to pay this bills before it get transfered to the collection agency XXXX This collection account has many incorrect informations as 1 - my first name 2- my last name 3- my mailing address XXXX iam already having XXXX how come to receive medical bill while iam having medical insurance XXXX I made a recorded phone call with the agent of the original creditor to as about this bills he told me there is no unpaid bills under my name XXXX here is a copy of my XXXX and recoded phone call with representive of the original creditor
Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX XXXX  ( Original Creditor : XXXX  ) XXXX, what's even worst, the account is reported twice on my credit report
Why is XXXX reporting account closure information on XXXX A. not all account closures have anything to do with me. It was a bank error regardless it looks bad for me. 

XXXX. XXXX is this secondary company to compile information? 
EXETER FINANCE CORP XXXX XXXX XXXX XXXX XXXX XXXX. MN XXXX XXXX
I have a checking account with Capital one bank for 4 years. On XXXX/XXXX/2016 I made XXXX pay check deposit totaling {$2200.00} into my account through ATM in XXXX. I had a temporary job in XXXX from XXXX to XXXX, there 's no Capital One bank there, so I brought it back to XXXX and make a deposit. Later on I found my bank account was been blocked, I went to the branch, and was told those checks were fake and they closed my bank account. Then I asked my boss, he has banking with XXXX, but those money was already debit from his business account in XXXX/XXXX/2016. I came back to the branch, and shown them my paystub and my boss 's bank transaction picture, but they even did n't look at, they insist hose check was counterfeit but refused give me any letter which I could forward to my boss. My co-worker also made their pay check deposit to their bank, but none of them got problem. My boss ca n't issue me another checks, cause he said his money was already take out from his account. Until now, I did n't get any letter or phone call regarding this matter. I just do n't know, where 's my money, and what reason cause this problem? What should I do?
Included in my loan agreement is a provision ( found in sectio n ( E ) ( 9 ) ) th at states I am eligible for a three percent ( 3 % ) reduction in the Margin of my Loan if I satisfy certain requirements. Currently, my Margin is 17 % ( without said reduction ). I meet the requirements for the Margin reduction.   I first messaged  First Associates o n  XXXX   XXXX ,    2017 as king for a list of what they would consider sufficient documentation. They did not respond.   I mailed a letter dated  XXXX   XXXX ,    2017 re questing the reduction and provided ample documentation demonstrating my eligibility. In said letter, I requested that I be notified within 10 days if any of the documentation was unsatisfactory. Otherwise, I requested that the reduction be applied to my Margin effective immediately.   My letter and documentation was received  by First Associates o n  XXXX   XXXX ,  2017. I ha ve not heard anything from  First Associates re garding my request, nor has the reduction been applied to my Margin.   I require that they uphold their side of the loan agreement and apply the 3 % reduction to my Margin, retroactively effective to the request date of  XXXX   XXXX ,    2017. M y new Margin should be 14 %.
XXXX, CA XXXX XXXX XX/XX/2017 XXXX, Oh XXXX XX/XX/2017 I did not authorize these company that I listed above to run my credit on my credit report due to the law under section 604 of the FCRA they broke the law by sharing my information that i did n't authorize.
citi mortage continues to harass me. I previously filed a complaint about citi mortgage calling me 2 days in a row even after I made a payment arrangement today XXXX/XXXX/2016 I call in to citi mortgage at XXXX and made my mortgage payment after my payment was made citi mortgage called me at XXXX XXXX XXXX XXXX and XXXX .. again all of these calls were made AFTER I made my payment. I have a call log to show proof of these harassing calls.. citi mortgage continues to subject me to harassing phone calls and I am sick of it.. a cease and desist letter is NOT the proper way to handle this issues.. CITI mortgage needs to update their dialer system to make sure that a customer is not harassed after a payment is made and their account is current .. this is absolutely ridiculous
This acct has been removed from my XXXX and XXXX credit report its still showing on my XXXX!!!
ok I filed a complaint no XXXX one of the exective officers of customer care has emailed me twice telling me to call her. XXXX XXXX is her name. I emailed her back and said I would not call them. I am tired of being lied two.and told her to refinance my loan for {$170.00} a month and I would set it up auto pay. I know this would extend the loan for another year or 2. if they wont do that I told them to take me to court and sue me.i want this in writing not over the phone. I told her to send me all the paper work to refinance the loan and I d sign it and send it back.that was a few days ago she has n't emailed me back yet.
I was asked if I wanted a payment made. to apply later once. But now it appears the company started giving the apply latter category to me from then on, thus throwing off my ability to know when payments like {$700.00} and {$200.00} are really applied. Thus, throwing off my calculation of payments. All pay should have apply immediately as possible, not constantly apply later. This is deceitful to bait once and keep doing. I need my payments applied as soon as I pay them, not baited for delay. And, if I went into unnecessary debt I want to be reimbursed. If my alerts were mis handled I want them properly recognized and acknowledged like all people no matter what race we are.XXXX trends need to stop.
I have recently noticed in the past couple of days that credit inquiry 's for credit cards have been tried to apply from in California, as well as they hit my bank account for {$5.00} for a purchase from a XXXX XXXX XXXX app from California as well and has put my account into the negative. I use to have a lot of inquiry 's and withdraws from my bank accounts a lot and had to have my accounts monitored. for theft activity and it looks like they are doing it again, and I have to stop them because XXXX is right around the corner and I ca n't afford to lose my money again.
In XX/XX/XXXX i purchased a home with a co borrower. The agent of the XXXX loan in XX/XX/XXXX told me my coborrower could not sale or borrow without my permission. In XX/XX/XXXX my coborrower took out a loan without my knowledge and/or permission. The agent for the XXXX loan knew i was a coborrower and the property owner because i met with him and the coborrower in the agents office. I refused to complete the loan. The agent research the records of dead found a deed with just the my exfiance name and gave him a loan. The exfiance took that loan to another organization and refinance with them. The exfiance foreclosed on the property living me no way to nogatioate with the XXXX lender. The XXXX lender has sent a copy of the deed to me on XXXX XXXX that is filed on XXXX XXXX telling my i need sign them. Now the XXXX lender is sending the same threats as the XXXX lender. That i need to sign this deed to correct an error on there part or there will be legal action. I am asking for help to resol e this issue of false deeds being used to aquire loans and take back the possession of my home. I was driving at the time i was told about this site. I have more forms and information to submit it was not with me.
I currently have my mortgage with Ocwen. I have requested via telephone numerous times a monthly billing statement, to date I have not received that. This has been going on for almost two years. I get the same response " We will mail it to you ''. As stated, it has been almost two years and I have not received anything. I would like to receive monthly statements, as I did in the past, I have been with this mortgage company on and off since 1997 and this has been the worse customer service in the world. I am in need of some resolution. It is apparent that they do not care about their customers. Very poor customer service.
I have requested that Experian remove items from my credit report that are included in my Chapter XXXX bankruptcy ; these ( 4 ) accounts are listed separately as " negative accounts '' : XXXX ( $ XXXX- {$710.00} ) ; XXXX ; XXXX XXXX ; XXXX . I have provided copies of my Chapter XXXX Schedules XXXX several times, and separately for each of these items ( as required by Experian ). I 've also requested that Experian investigate and provide proof of a fifth " negative account '' : XXXX ( {$100.00} ), or remove it from my credit report. Experian simply refuses to do so, however, XXXX and XXXX have both removed these accounts from my credit reports.
I have a Visa credit card through CITI Cards. I pay the balance each month after I receive a paper bill. My account was switched from paper to paperless and back to paper several times last fall. I did not initiate this action any of these times. I contacted CITI because I had not received a bill and was told it was switched to paperless and had missed a payment. The Customer service rep said my account had been switched multiple times this fall. Because I did not initiate any of these actions I was transferred to fraud unit. They could not fined who initiated the action but insisted it must have been me.

CITI cards has a initiate to get customers to switch to paperless billing. The situation appears to be a " XXXX XXXX '' issue of company representatives initiating the change for financial gain. Nothing else explains the switch and switch back. 

CITI Cards did not take my concern seriously and initiate any internal review. Citi stated they waived fees but I was charged fees and my credit rating may be impacted.
I am on an income based repayment plan which must be re-certified each year. I have filled out the form from the government website three times since XX/XX/18 and each time I am told it can not be processed, claiming it is the wrong form, the signature expired, etc. I have called and told by customer service there is no reason why it was not processed and someone would investigate and call me back. Never got a call back. Second call I was told to fill it out again and did. I have included all supporting documentation. 

My other three loan servicers have approved my IBR with no problem back in XX/XX/XXXX. American Educational Services is incompetent.
We are a military family. We took all steps necessary starting in XXXX to avoid foreclosure and bankruptcy. With no other option, we filed Ch. XXXX bankruptcy in XXXX to release us from the house. The house was discharged in XXXX but we are still receiving bills and attorney letters for collections from the HOA. We are told because the deed is still in our name we are responsible for XXXX, etc. The mortgage company will not cooperate with a Deed in Lieu. The mortgage company is forcing us to comply with their short-sale terms of listing the home for 120 days before considering a Deed in Lieu. I have spent hours on the phone since XXXX XXXX talking with various representatives because they ca n't keep XXXX person assigned to my case. The mortgage company changed the locks without informing us. When we hired a real estate agent she could n't get into the home to even proceed with a short sale. We had to wait 2 weeks before the bank would put a lock box on the property so the agent could get in. I want justice for the way I have been given the run-around by the mortgage company and the countless hours I have been on the phone whether on hold, transferred, etc. There is no way I could hold a job and deal with the mortgage company as much time as I have had to spend playing their games! They should be paying me!
On XXXX XXXX, XXXX I was charged twice for a fuel purchase that was n't made by me. The charges shown are back to back on the same day in an unknown location to me. This card is specifically used for fuel. The amounts are as follow : {$50.00} invoice # XXXX {$50.00} invoice # XXXX Two days prior I used the card to fill up my tank and then used it the day after these charges when my tank was halfway full. I am an XXXX driver and use the fuel card issued by XXXX through XXXX Bank. I own a XXXX XXXX ( 4 cylinders ) vehicle and in no way can use this much fuel even if I 'm running on empty. Also, the charges show a location in XXXX through something called XXXX Fuel. I never fuel in XXXX! 

Since XXXX was having some technical difficulties with fuel charges not posting on time, these charges were not noted by me until the following month of XXXX. This was XXXX XXXX when a message was received by XXXX apologizing for delayed fuel charges. As soon as I noticed the charges I contacted XXXX to notify them of the error. Their support indicated they would contact the credit card company and I needed to wait. 

It was taking too long to receive a response so I contacted XXXX Support constantly and was asked to be patient. At one point I was that the credit card company had an undetermined amount of time to resolve the issue. I told them by FTC ruling they had two billing cycles or 90 days whichever came first. 

After all these months of waiting, I finally received an email on XXXX XXXX from support telling me the dispute was finalized and denied and that the internal review from the credit card company was confidential. 

I was also told by XXXX they no longer had any control over these charges and were no longer able to assist me.
I went to refinance my home to find a lien on it. My ex husband claimed bankruptcy and wrapped that portion of debt he was assigned into the bankruptcy. I was not on the loan not was assigned the debt through the divorce process. My final divorce decree clearly states the debt is his alone. Navy Federal credit union even after showing them the divorce decree and the deed which is in my name only refuses to remove the lien and had even suggested I sue my ex husband to pay the lien off
I have sent multiple letters and Fraud Affidavits to Central Financial Control to dispute the account that they are reporting on my credit file. To date, this matter has not been rectified. This account do not belong to me and I will like for it to be remove from my credit file. Please assist in the matter of getting this account remove from my credit file.
Toyota Financial stopped sending us monthly statements since I settled my personal bankruptcy case several months ago. I was originally on the loan, but I did not declare my XXXX on the bankruptcy. We have been making every payment since we purchased the vehicle last year. 

I can not access my account information online because they denied access. I can not call them to see if the payments have been applied to the balance because they refuse to talk to me about the account. My mother can not talk to them because she doesn't speak good English. They have been treating me as a criminal since I declared bankruptcy even though I did not include the vehicle. My lawyer has tried several times to contact them, but they refuse to honor the request.
On XX/XX/18, I was asked to transfer {$200.00} using XXXX in order to buy tickets from someone on XXXX. I bank with US Bank and he claims to bank with XXXX XXXX XXXX. The money transferred immediately, and he claimed it didnt work, despite it having cleared from my account. He has since disappeared, and XXXX has no fraud protection - US Bank claims to have none with XXXX either. There is no way to cancel the transaction or even file a complaint against him.
XXXX scammed, lost XXXX dollarish, company refuses to chargeback card even whil ; e the company is under XXXX investgation
I had an account w XXXX XXXX XXXX, this was paid last year. A collector just posted this account on my credit as a new collection when it is not, dropping my credit score over XXXX points. This is the company illegally collecting a paid debt : ONLINE COLLECTIONS XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX
On XXXX/XXXX/2015 there was a withdrawal for {$3100.00} made on my account at a branch in XXXX, GA. This was a fraudulent withdrawal and I made initial contact with the bank on the day of the transaction. On initial contact on XX/XX/XXXX I was given on confirmation number of a fraud claim, on XX/XX/XXXX I went into the branch where the associate assured me a fraud claim had been initiated. I was out of the country from XX/XX/XXXX to XX/XX/XXXX on my XXXX. Upon returning I discovered the fraud claim had not been opened. This was odd since my checking account no longer appeared in my online banking and on XX/XX/XXXX when I visited the branch the associate confirmed my account had been flagged for fraud. 

On XX/XX/XXXX after XXXX hours in the branch we opened up a new fraud claim and it is now XX/XX/XXXX and I have received no contact other than on the day of XX/XX/XXXX from a fraud investigator. Several things stand out ... I was shown the withdrawal slip that was used in the fraud transaction:1. my last name was misspelled2. the teller wrote down a driver license number that was not mine on the slip3. The signature looked nothing like my signature ( what is the point of signature cards? ) 4. I have never previously withdrawn anything of that magnitude from a teller window transaction. 

And yet it has taken SunTrust nearly a month to process this fraud claim and no one at the company can tell me when I will have my money back.
Sent them a validation letter on XX/XX/2018 and have not received a response from them but they updated the amount on my credit report for XXXX
This is a second complaint in reference to the same issue. The original complaint number is XXXX. My complaint is with regard to my FHA XXXX Mortgage which is serviced by Nationstar Mortgage. In XX/XX/XXXX I received an unsolicited call from Nationstar to offer me refinancing options. In the course of my conversation with their representative, they determined I may no longer need to be paying mortgage insurance, and a request was submitted on my behalf to have it terminated. The request was successful and I am no longer paying the insurance. However, it is clear that I was needlessly paying the insurance for a period of at least XXXX months prior to its termination without my knowledge. The response to my initial complaint only correctly restated the date of when my insurance was terminated, but failed to address my concern about the previous months of unnecessary insurance payments. 

Since receiving their response I have had more conversations directly with Nationstar and also more accurately pin-pointed that time at which I was eligible to terminate mortgage insurance. My understanding ( which was not disputed by Nationstar ) is that given that my loan has been open and in good standing for at least XXXX years, I would be eligible to terminate insurance when I reached a XXXX % loan to value ratio. 

I have obtained statements now which show I reached that value in XX/XX/XXXX. My insurance was finally terminated in XX/XX/XXXX, but only after I serendipitously recieved an unsolicited phone call which led to the discovery that I was eligible. After more conversations with Nationstar, they acknowledged that all of this is true, but that the onus is on the lendee to request termination prior to the date it was originally anticipated. As I make significant extra payments to my principal, I am well ahead of the payment schedule which was projected at the time my loan was originated. 

If it is true that the onus is on me to know when I no longer need to be paying mortgage insurance, then this is an issue which desperately needs to be addressed in the law. It is completely unreasonable to expect consumers to remember years if not decades after a loan was originated, the exact terms and conditions of mortgage insurance, and be montitoring their loan to value ratio on a monthly basis. If I had not received that unsolicited phone call, I would undoubtedly be paying mortgage insurance unneccarily for years to come. 

My home value at the time of purchase was {$160000.00}. So by my math I should have been eligible to terminate mortgage insurance once my balance was below {$130000.00}. The balance on my state from XX/XX/XXXX was {$130000.00}, and in XX/XX/XXXX it was {$120000.00}. I will attach those statements as evidence.