WillisBack/dataset-financial-user-claim huggingface dataset:
Today, I have a recording from a vendor of yours that was beyond horrific. I have the recording on my phone and can forward the copy over. I am going to the news and am going to play this audio that will impact Ace and its customers drastically. Let me rewind this for a second, Yesterday my sister and mother called me telling me that someone was calling them blocked and promised them that I was going to get arrested today. They were harassed by an XXXX number and were called over 5 times a piece within a one-hour window ... They told my family they worked with the authorities. ( Which is a crime to impersonate an officer ). In addition, they got called by multiple different numbers and blocked numbers from the same person. I was at work and my XXXX XXXX XXXX to cause me to almost have a XXXX XXXX. This morning, I called the number back and have the full recording on my phone that is a little over 15 minutes long. The female who answers the phone told me that processors were trying to find me and that they had no control over how many times they call people. They admitted to breaking a couple rules here and there but stated it had to be done to collect on past due customers. I requested to speak with a manager and or legal team to report the harassing phone calls to my family and myself. ( Mind you- every phone call can result in thousands in fines per the FDCPA Act ) I was transferred to the owner who told me he was an attorney and he began to call me names and called me a loser! I told him that he was breaking laws and he said this was past the collection stage so that he could talk to me in whatever manner he wanted to. The way Ace allows vendors or third-party agencies to treat their customers is beyond unacceptable. I am going to contact the CFPB, the XXXX, The federal trade commission and post blogs on social media to create a class action lawsuit. There is no way a vendor or third party agency should be above the law and not held to the same standards as other companies. Who is ACE contracting to collect on their loans? Why does Ace treat their customers so poorly and believe that this is acceptable? Please have a member of Legal reach out to me by end of day tomorrow or I will contact my attorney and put together a class action lawsuit. I live in XXXX so I have no issue walking the call down to any location so that this person and company can be taken down. I have a serious medical condition and I might have to be admitted into the local hospital along with my family members. This company XXXX XXXX or XXXX XXXX is used and backed by ACE to treat its customers like trash while breaking laws. Ace needs to be held accountable for all of this. Contact me by end of day tomorrow or I will reach out to the media and play the call on live TV. I typed the number they called in from in XXXX and other customers are getting the same response. Let me know what email is needed to forward the call over. I have screenshots and can prove this company was hired by Ace.
My wife, XXXX has a XXXX mortgage serviced by Regions Bank, dba Regions Mortgage (loan XXXX, property address XXXX AL XXXX).  Regions Mortgage representatives (primarily the "Single Point of ContactXXXX but (all) others as well), have repeatedly misinformed my wife and I regarding possibilities for a  loan modification.  I have only learned yesterday, XX/XX/XXXX that our loan is not owned by Regions, but by XXXX.  Yesterday, I called Regions Mortgage, and the extraordinarily unhelpful XXXX our "Single Point of Contact", was unavailable, and so I had the opportunity to discuss the overdue mortgage with another representative who repeatedly said the my wife did not qualify for loan modification because of the "Investor" requirements could not be met.  As this representative repeatedly used the term "Investor", I finally demanded to know exactly who was the "Investor".  It was only then that it was disclosed this loan was owned by XXXX.  As this is actually a XXXX mortgage, my wife would have been potentially eligible for a loan modification with lowering of interest rate.  To my knowledge prior to yesterday, we have never been informed of, or told to read the XXXX website, rather we have been instructed multiple times to research our options at XXXX "Know Your Options".  We had dealt only with Regions, who we thought owned the mortgage, and who calls us regularly both by "robocalls" and actual people, so prior to yesterday, were not aware that our loan was owned by XXXX. This was never made clear to us in spite of multiple calls and letters from Regions.  Regions obscured the fact that the loan was owned by XXXX,  either purposefully in order to deceive, or by  gross negligence, so we were unaware we could apply for a loan modification either in XX/XX/XXXX or anytime prior to this and thereby overpaid XXXX of dollars before going into default in XX/XX/XXXX.  We have repeatedly asked Regions for a reduction in interest rate, and Regions has always maintained that my wife was ineligible as she has (1) no income, and (2) lack of equity as they maintained we needed to have an appraisal to establish that there was sufficient equity that was needed to be at some level before the loan could be modified.  As we knew that the value of the properties in the local neighborhood declined greatly since our purchase, we knew that we had no equity and to pay for an appraisal was wasted money.  What we did not know, and we were not informed of by Regions despite our repeated inquiries going back to at least XX/XX/XXXX, was that HARP loan modifications can be done for properties with no equity and in lieu of income, proof of and amount equal to XXXX months of mortgage payments is sufficient.   I believe that Regions has been at best negligent and perhaps fraudulently misrepresenting themselves as the owner of this mortgage, and this deception directly prevented the application for loan modification under HARP.  We intend to pursue this at all available levels, and any assistance you can provide will be appreciated.  Thank you.
XXXX
XXXX and Transunion are reporting me 120 days past due on XXXX, partial account number XXXX that has a {$0.00} balance and {$0.00} past due. This is harming my credit score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
I am seeking legal action for dodging my financial hardship at all costs, And also on top of that report inaccurate information, to hurt my score on purpose, when i was looking into consolidation loans. 

XXXX XXXX is Telling me my XXXX Credit report says Between XX/XX/2018 and XX/XX/2018, your DEPT OF ED/NAVIENT student loan account balance increased by {$800.00} from {$1700.00} to XXXX My score dropped 70 points! This is inaacurate. My student loans are all current and no missed payment. When i was struggling making payments, Navient didnt lower my payment but gave me 3 months off paying.
Existing account Fraud. On XXXX/XXXX/17 someone fraudulently accessed our Navy Federal Credit Union ( NFCU ) savings account online under my wife 's name utilizing her our account number, her date of birth and social security number and transferred to another NFCU member in the amount of {$3700.00}. The name of the member money was transferred to is XXXX XXXX XXXX. This person was able to establish account access even under an obvious fraudulent email address of XXXX. We do not know this person or have an affiliation with this person. We reported the incident within 2 hours after the transfer occurred as it was brought to our attention that NFCU had froze our account. We went to the nearest NFCU branch at XXXX XXXX, MD and reported the fraud to them and our complaint was submitted to NFCU Fraud Department under Fraud # XXXX. Since then we have closed our savings and checking accounts and have established new accounts. In addition we received new credit and debit cards. When calling to check on the status of this investigation with NFCU we get the same answer over and over, that is it is pending and will take 10 business days. Well it has been 10 business days and we have not received any updates to this investigation and have not received any of the {$3700.00} dollars that was fraudulently taken from our account. I 've asked to speak with NFCU security and the investigator assigned for updates only to be told that they are not available and that the status is pending. Having been a member with NFCU for over 20 years this kind of treatment and refusal to give me more information regarding this is beyond comprehension and frustration.
NAVIENT raised my payment and its too high. I signed up for Income Dependent Repayment, and the raised my payment amount. Also they claim there are unpaid fees, that I was n't aware of. Because they never told me about any fees. Also the loans originated at XXXX, NAVIENT has all personal information, they got, it, with out my knowledge.
I recently addressed illicit reporting of my Wells Fargo debt to XXXX, via the CFPB Website. XXXX stated an investigation would transpire as affirmed by their response. In the midst of the investigation XXXX updated my Wells Fargo Account to reflect in Collections and my credit score plummeted. This occurred between XX/XX/XXXX & XX/XX/XXXX. 

This is part of the settlement agreement with Wells Fargo was to reflect my account as paid and in good standing. This was after it was discovered it was there error to begin with resulting in a XXXX refund to me. CFPB compliant will confirm this. 

We now have a credit reporting agency taking matters into there own hands with no real vestment in the outcome other than to what? As an act of retaliation because there own practices were non compliant to begin with as reported to the CFPB. 

Both XXXX and XXXX have modified my accounts accordingly as instructed by the party who " suffered the loss '' not who got their hand slapped for non compliance. This isn't your right.
In XXXX, XXXX I needed a credit card to use to charge airline tickets, hotels, car rentals etc. as part of my job as a traveling computer consultant. I was having g credit issues that resulted in a bankruptcy filing in XXXX, XXXX so I asked my sister to add me to her XXXX XXXX XXXX XXXX ( XXXX XXXX ) as an authorized user. She called and did so. I used the card until XXXX at which time I returned the card to her with no balance. 

She began using the card and reporting to all 3 credit bureaus reflects that that account is mine I never signed anything authorizing them to make me a co-owner of that account. Now her account repeated shows up as mine and it causes a heavy usage to reflect on my account since she has the card at 90+ % of the limit. 

I have on 2 separate occasions written and asked for proof that I signed anything making me the owner of the account. I get back a response that the account is reflecting correctly and they refuse to provide me proof that I authorized them to make me a co-owner of the account.
Continuous robo calls using different phone numbers with the same or similar message : '' This call is solely intended for XXXX XXXX. If you are not XXXX XXXX, please hang up now and disregard this message. File number XXXX, ( or a variety of other numbers ), which was placed with XXXX or XXXX XXXX XXXX has been escalated to our final review department due to the lack of response from the required respondent. A full review of this file is being conducted by one of our loss litigation specialist and a recommendation of action to our client is imminent. In order for your personal statement to be included in this review press XXXX ( or XXXX ) now to speak to the representative responsible for conducting the review, or call us at XXXX ( or XXXX, XXXX and other phone numbers ), immediately upon receipt of this message. Failure to respond will result in a recommendation being submitted to our client without your personal statement being submitted. " These calls come from a variety of phone numbers with area codes from mostly XXXX, and XXXX. 
I am not XXXX XXXX, and have never heard of Halstead Financial Services. These calls seem to come in " batches ''. I receive these calls several times a day from different numbers, for several days a week and then wo n't receive a call for maybe a week, then it the cycle starts again. I have deleted many of the calls or messages, but what I did save goes back to XX/XX/XXXX. 
These calls are mostly to my cell phone, but a few have been to my home phone also.
I get called at least twice a day, every day, Monday through Friday. When I ask what this is in reference to They keep saying " is this XXXX '' and do not answer my question.
Regarding practices of Attorney XXXX XXXX XXXX, XXXX XXXX # XXXX. XXXX collected numerous debts on behalf of XXXX XXXX credit card against XXXX XXXX XXXX. XXXX XXXX is on social security and had only the social security payments as assets in her account. He garnished ( against government rulings ) her account in excess of {$3000.00} leaving her destitute, and at the same time put a hold on her safety deposit box. Upon being contacted by the FTC, the bank quickly reimbursed her the funds, but this was wall after she had to borrow money to make up her monthly stipend. Attorney XXXX stated in his answer to FTC that he would remove the hold on the safety deposit box. This has not been done to date and he is holding not only her belongings, but those of her daughter and grandson. He needs to follow up on his word and take the hold off of the safety deposit box immediately. He is an unethical attorney who preys on the most vulnerable and he should be sanctioned for his tactics. His company is called Legal Recovery XXXX and is located in XXXX XXXX. After a year has passed with nothing done to release the safety deposit box, I am refiling this complaint.
Have yet to receive a mortgage statement from our servicer Dovenmuehle. We received our very first statement when we purchased our home, and have paid. Since that first statement we have not received one, I have called a few times and have been told that it was mailed, twice now, I have yet to receive the mailed statement. I do not wish to be late on our payments. The reason we do not pay online is due to the fact myself and the co-owner like to write separate checks for the total monthly amount due.
I am submitting a complaint regarding a past due amount requested by student loan servicer, Navient. 

I applied for an Income-Driven Replayment plan before resuming payments on my student loans serviced through Navient. On XX/XX/XXXX, I received an email from Navient stating that they have approved my request. According to Navient, my IDR plan overview was as follows : Monthly payment amount : {$330.00} Plan begin date : XX/XX/XXXX Plan end date : XX/XX/XXXX On XX/XX/XXXX, I paid the full amount due as agreed by logging into my online account on the Navient.com website and submitting a payment of {$330.00} via bank transfer. The amount was posted successfully to my account on the same date. 

On XX/XX/XXXX, I receive an email from Navient containing " a snapshot '' of my monthly statement. According to the email, my total payment due was now {$360.00}. I logged into my Navient.com account and saw that I now have a past due amount of {$30.00}. 

Please note, I did not receive any communications from the company stating my account was past due, nor was I told that I owed $ XXXX/month instead of {$330.00}. 

I have attempted twice by phone and email to contact Navient and rectify the issue, but I have not heard back regarding a resolution.
I disputed a private student loan that was done through chase that was due to identity theft and in return I received a packet from chase student loan department to send my police report my FTC identity theft affidavit and the paperwork they sent for me to fill out and get notarized I completed all the steps and sent it over. There was a number on the paperwork that was n't correct so I called chase bank regular number and asked for the student loan dept they gave me the number to XXXX ( XXXX ) XXXX and I was told that they do n't deal with chase student loans that chase always give people their number and they do n't handle those accounts I called back and no one seems to know where to direct me or have any information on what 's going on the packet that was sent to me
XX/XX/2018 charge for {$59.00} appeared from XXXX XXXX XXXX XXXX On my American Express card. 
I contacted Amex in XX/XX/XXXX when I reviewed my statements, s/w XXXX @ security and informed an investigation will take place. 
Credit card was replaced, but no update was provided. 
Kept calling billing company at number listed, XXXX no one ever answered. 
XX/XX/2018 called Amex to check on status, told no investigation was done as it was old, I was told I had 2 months to report this discrepancy. 
If that was their policy why was is it never mentioned? When was Amex going to notify me of their decision? Two months went by with no response from Amex. What kind of customer service is this? 
Yet they advertise, you will never be held responsible for unauthorized charges? '' They should be fined for false advertisement, and lying to consumers.
I am extremely upset in the way Seterus has failed to provide sufficient information in regards to my review fro a Principal Reduction program my lender XXXX participates since XXXX XXXX, 2016! I can not believe the way Seterus is giving me a difficult time for my review. They have failed to provide the XXXXLTV ratio to see if I qualify for this program. Seterus has also mention they do n't participate in this program, but according to my lender that should n't affect the review because as long as the lender participates in the program they are obligated to review.
I reached out to the Credit Bureaus multiple times to dispute some inaccurate accounts but have not received any correspondence from them concerning these issues. I sent letters on XXXX and additional letters on XXXX. Amounts are for {$13000.00}, {$9200.00} and {$22.00}, XXXX. I paid to have these items tracked on the second disputes because I never heard anything back and wanted to provide proof.
XXXX XXXX, I am disputing the issue of my {$35000.00} as per the below federal disclosure laws. 

On XXXX XXXX, 2010, the President signed the Dodd-Frank Wall Street Reform and Consumer Protection Act ( the " Dodd-Frank Act '' ), enacting numerous provisions intended to reform the mortgage lending industry with an eye towards consumer protection. Many of these provisions are contained within Title XIV of the Dodd-Frank Act, the Mortgage Reform and Anti-Predatory Lending Act ( the " Mortgage Act '' or the " Act '' ) Subtitle E ( Mortgage Services ) of the Act reforms mortgage servicing practices addressed in TILA and the Real Estate Settlement Procedures Act ( 12 U.S.C. 2601 et seq., " RESPA '' ). The Act requires creditors in connection with a consumer credit transaction secured by a first lien on the consumer 's principal dwelling to establish an escrow or impound account in a federally insured depository institution for mandatory payments of taxes and insurances premiums. By regulation, the Board may exempt certain creditors from the requirement to establish an escrow or impound account. Such escrow accounts shall remain in existence for a minimum period of five ( 5 ) years. If the consumer waives the maintenance of such account in writing, the mortgage lender is required to provide a written disclosure advising on the consumer 's responsibilities and implications in the absence of any such account. The Act amends RESPA by adding new servicer prohibitions and increasing the penalty amounts for violation. A new TILA provision requires the servicer of a consumer credit transaction secured by the consumer 's principal dwelling to promptly credit payments to the consumer 's loan account, and to send accurate payoff balance information upon written request by the consumer. 

XXXX XXXX used the same pitch when he told me why I was to bring {$35000.00} to a clsoing in order to receive a loan that is used for converting home equity into liquidity, thus Home Equity Conversion Mortgage. I did n't apply for a mortgage refinance or a commercial loan, I applied for a Traditional Reverse Mortgage. Where 's my {$35000.00} that was escrowed?
My mortgage was transferred from XXXX XXXX XXXX to Seneca Mortgage Servicing. While at XXXX XXXX XXXX, I was approved for a HAFA short sale and ready to close. I have the closing package as well as the approvals. As of today, I still have cash buyer ready to purchase. I also have a hard equity lender willing to do a short payoff refinance. The short sale did n't close out previously because title could not be cleared due to liens filed with the municipality and an erroneous blanket wild mortgage filed on every parcel on my block by a different lender. 
I have been trying to resolve my foreclosure through a modification, short payoff or short sale, but I have not been able to reach anyone at this company for the past 3 months. I tried to register online and to no avail. I sent a signed authorization in order to have third parties discuss my case, but I have n't had a response. I am currently in bankruptcy and my attorney sent authorization so I can apply for a loss mitigation workout solution directly with Seneca Mortgage Servicing. I sent this authorization to both Seneca 's fax number and email address. I really need assistance. I was faced with a series of medical emergencies that forced this hardship, but I am aggressively trying to resolve this matter. A foreclosure would impact my current employment and prevent me from working as a contracted employee. It would also hinder my return to school. Please help, please help me get a single point of contact to assist me.
XXXX switched to a new website on the weekend of XXXX XXXX. 

The first problem I had with this transition was that XXXX set a temporary password on my account for the new website. This temporary password was the last XXXX of my XXXX. Not an acceptable level of security. 

The second problem I had with this transition was that I receievd notification of the transition too late to log in to the old website and get the statements I had not yet downloaded. I figured this would not be a problem because I could download them from the new website. This is not the case. They did not move statements to the new system. 

I sent an email on the new website to request the statements, but never received a response. I then called on XXXX/XXXX/XXXX at XXXX. I spoke to a woman but did not get her name. She said that I would need to pay XXXX per statement because they had all been archived. She also said she would not be able to help me with this. 

I later called again at XXXX on the same day. I spoke with a XXXX. He said that I needed to send an email on the website to get my statements. I explained to him that I had already done this. I sent a second request after the call. 

The third issue I had with the transition is that there is no option for closing the account. I mentioned this to XXXX when I was on the phone with him. He mentioned that if I send and email that I want to close the account and withdraw all the money I will not be charged any fees. There is no verification of this that I can find, so I am concerned that they will charge me a fee.