WillisBack/dataset-financial-user-claim huggingface dataset:
During the financial crisis of XX/XX/XXXX we had just opened a new XXXX XXXX XXXX. Because it was so new, we had to give a personal guarantee. It hit our industry as hard as the housing, so we had to file chapter XXXX bankruptcy and it was discharged in XX/XX/XXXX. We tried so many times to work with chase home finance for a home modification all to no avail. They would send the making homes affordable documents, we would send in the payments and they would say we did not send in paper work requested, money etc. Over and over again. I started having XXXX mostly because of this. I started sending things certified and signed for just to have them say I sent it to the wrong location. Then the last straw was when I told them I had proof and faxed them the tracking from usps, they said it could be anything in that envelope and it did n't prove anything, I finally gave up. That was XX/XX/XXXX I think. The worst thing though is how they did not foreclose until XX/XX/XXXX. Now we have to wait 2 more years before we can buy a house. It is like being punished twice. They are the ones that caused the whole thing to begin with. They want to keep it in the owners name so it makes the owners responsible if there is vandelism, fire, flood and makes them also responsible for the home owners association dues. The best reason for them to leave it in the owners name is if they foreclose, it has to be shown as a liability on their books, if it is still in the owners name, they can list it as an asset. This needs to change and not show a foreclosure so long after a bankruptcy.
I write in response to Wells Fargo 's reply to my complaint regarding my Wells Fargo application XXXX and CFPB Case No. XXXX. I consider the company 's response to my query very flimsy and good for nothing because they tried to cover up an unfair business practice of not catering to the needs of their valued and poor customers who entrust the safe keeping of their their meager financial resources in their care.
For instance, Wells Fargo 's response states : " When this application was processed no information was obtained from an outside source other than your credit history from XXXX. '' Nonetheless the company failed to inform the CFPB that over the years I improved my credit score and have the following scores with the three major credit bureaux in the country : XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ). That said, the company should have at least given me a chance with a credit line to show good faith in a valued customer but Wells Fargo as usual discouraged me and was unfair in its judgment.
Furthermore, I want to bring to your attention the flimsy excuse from Wells Fargo in the last paragraph of page one of its response to my previous complaint that reads : " Also, we are unable to speak for other financial institutions regarding their underwriting criteria ''.
The statement above speaks to the fact that Wells Fargo, unlike other financial institutions in the United States that are customer-centered, it lacks the capacity to give its striving customers a chance to improve their livelihood but is only an exploitative profiteering financial institution that sucks the blood of poor people to enrich themselves at the expense of their customers.
I assertively say this because other financial institutions ( like the XXXX XXXX XXXX XXXX, for instance ) are making genuine efforts and headways to create an enabling financial environment to improve the livelihood of their valued customers. Whereas, unfortunately, Wells Fargo is only interested in suppressing its customers. The fact that I have a personal and a business account and my wife has a personal account with Wells Fargo shows the level of commitment we have to this institution. Hence, to verify that they could not give us a single break of a {$5000.00} loan warrants the imposition of stringent financial fines on Wells Fargo for unfair business practices.
In view of the foregoing, I request that Wells Fargo be thoroughly investigated and fined for unfair business practice.
Sincerely, XXXX XXXX XXXX, Sr., Ed. D.
Unsatisfied Wells Fargo Customer
I began an income-driven repayment payment plan with NAVIENT 4 months ago and they gave me 2 separate accounts with the same account number. I send 2 separate money orders each month with 2 separate payment stubs. Every month I receive a bill stating that one account is current and the other is late and I am being charged late fees. I have called NAVIENT and faxed copies of proof of payment ... to no avail. I explained that I was not going to continue to keep sending them payments when they couldn't account for them and they advised against it. This is utterly ridiculous. I need outside assistance.
Contacted Bank of America Credit Services prior to departing the country on XXXX/XXXX/2016 to inform them of a change of address. I will not have a physical address in the U.S. for at least the next 6 months. I have established a P.O. Box with the USPS and set mail forwarding to begin XXXX/XXXX/2016 when my lease terminates at my prior U.S. physical address : XXXX XXXX XXXX, XXXX, XXXX XXXX. I am out the country for work-related tasks. 

I informed Bank of America of all of this and gave them my P.O. Box which will be in use for at least 12 months as per prior agreement with USPS. However, today I was unable to finalized a XXXX transaction using my P.O. Box address and instead had to use my prior physical address to finalize payment with my credit card for a bus ticket for work-related travel from XXXX XXXX, XXXX to XXXX XXXX, XXXX where I will be staying for approximately 6 months. 

When I logged in to Bank of America Online Banking, no P.O. Box was listed so I manually added it myself, but was unable to switch my primary address from XXXX XXXX XXXX, XXXX, XXXX XXXX to my new P.O. Box address. I then called Bank of America Credit Services and was told that this was a non-issue and the P.O. Box was listed on my account. I responded that of course it was, because I had just added it. However, this did not resolve the matter with not being able to change the primary address associated with the account. 

I informed XXXX ( from XXXX ; only identifying information I was given ; Supervisor named XXXX XXXX ) that I did not want to be transferred to Online Banking nor a supervisor. I considered the matter to be closed as this was my second attempt to inform Bank of America in a timely and efficient manner of my change of address and travel/work-related needs. As the provider of my financial services, I informed XXXX that herself, her supervisor and their employer would be held responsible for the security of my personal information and the security/integrity of my financial information. No information should be sent from Bank of America to my prior physical address : XXXX XXXX XXXX, XXXX, XXXX XXXX after the effective start date of my mail forwarding service with the USPS on XXXX/XXXX/2016. 

I am filing this complaint because XXXX was unable to give me a definitive answer abou the resolution of the update to information in Bank of America 's system in regard to my primary address, as well as the fact that she negated or disputed whether or not the facts of the matter were as they are. Indeed, Bank of America 's online account information still lists my prior physical address in the U.S. as my primary address. I also informed XXXX that if I had any further issues with finalizing financial transactions due to lack of recognition of my P.O. Box that I would file as many additional CFPB complaints as necessary to resolve this matter.
I received a phone call on my direct line at my place of employment on XX/XX/XXXX at which time I sent them a letter via fax and USPS to cease and desist contacting me at my place of employment during my work hours. I have continued to receieve phone calls : XX/XX/2016 at XXXX XX/XX/2016 at XXXX XX/XX/2016 at XXXX I have sent them 4 notices, all faxed and then sent by standard USPS delivery. 

On XX/XX/XXXX I spoke to a woman named XXXX who verified that they had received my communications and was unsure why I was continuing to get calls. She was going to contact their IT department.
Over the past two weeks I have contacted : XXXX XXXX ( a XXXX XXXX service ), XXXX XXXX, and Transunion ( who provides the service information to XXXX XXXX ). This complaint concerns XXXX XXXX reporting, the failure of XXXX XXXX to address the complaints, and Transunion for failing to provide the correct information in a timely and reasonable manner. I have eight reported accounts : XXXX XXXX - balance is XXXX but record shows {$290.00} - INCORRECT XXXX XXXX - balance is XXXX but report shows {$8.00} - INCORRECT XXXX - account amount is incorrectly reported ( too high ) - INCORRECT XXXX ( XXXX ) - account amount incorrectly reported ( too high ) - INCORRECT XXXX XXXX - two accounts with XXXX balance reported correctly XXXX - XXXX balance reported correctly Student loan account - XXXX student loan account balance off by several hundred dollars - INCORRECT Additionally I have 12 Alerts showing from an XXXX account which should not be reported as they are deleted accounts! XXXX provided the information dutifully and TU fails to act on the deletion. I am aware accounts may have a delayed reporting in the industry. I am aware of the date when each of my accounts report. I contacted each creditor to affirm when they reported account information. HOWEVER the incorrect totals have been consistently reported as incorrect, as noted above, for a number of months. In another CFPB complaint I have addressed the payment history as incorrect. It should be 99 % instead of 89 %. I believe this is may be a generalized problem as it appears to be a code issue. I could be wrong about this however. These problems began a few months back. None of the three businesses had an interest in notifying their IT folk about a possible glitch, or, it just might be a really sloppy service.
I have a thirty year ARM ( adjustable rate mortgage ) with Fifth Third Bank. 
The mortgage was given in XX/XX/XXXX with an annual rate adjustment every XX/XX/XXXX. 
There have been no problems with this process and I have never missed a payment in 12 years. 
Last year I received my " change of rate notification '' letter in XX/XX/XXXX. 
This letter stated that my then current rate of 3.5 % would change according to the agreed upon formula to the new rate of 4.00000 %, effective with the XX/XX/XXXX payment. The monthly payments would now be {$1000.00} until the next scheduled adjustment in XX/XX/XXXX. 
We have an Auto-Pay arrangement and Fifth Third draws the exact amount from our XXXX XXXX checking account on the XX/XX/XXXX. 
My monthly paper statements reflected this rate through XX/XX/XXXX. 
In XX/XX/XXXX I received a letter dated XX/XX/XXXX informing me that the Bank discovered an error on my account and that the interest rate disclosure statement should have been 4,125 %. However, my payment would not change and Fifth Third will pay the difference between the two rates until XX/XX/XXXX. 
In XX/XX/XXXX I noticed that my credit rating dropped 89 points from XXXX  to XXXX due to an alleged " missed '' mortgage payment! 
The Bank statement send to me in XX/XX/XXXX is a total mystery to me. For the Due date of XX/XX/XXXX alone, there are six entries with various codes, some of which are not disclosed. My attempt to get clarification via phone conversations with four different persons has resulted only in more confusion. 
The bank has since then acknowledged that they reported the missed payment erroneously to the credit bureau and issued a letter of correction. 
While the Bank has acknowledged that they made a mistake and my payment would not be effected, they are calculating with the 4.125 % rate and therefore getting different P/I amounts which are effecting our outstanding Balance. My calculations at 4 % interest differ from the Banks calculation by {$71.00} as of XX/XX/XXXX.
Pursuant to FCRA Section 605B I have made strong efforts throughout the year of 2017 to notify Equifax and XXXX of my identity theft and the accounts that are fraudulent. I have requested that these accounts be removed pursuant FCRA section 605B. I sent a copy of my identity theft report via certified mail and it is being handled as a traditional dispute letter as reflected on my credit reports. I have also disputed items via their websites and dispute letters and have not received communication honoring the law. 

The fraudulent accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your assistance.
Experian placed a fraud alert on my credit report without my expressed permission in violation of the following FCRA regulation : 605A. Identity theft prevention ; fraud alerts and XXXX XXXX alerts [ 15 U.S.C. 1681c-1 ] ( a ) One-call Fraud Alerts ( 1 ) Initial alerts. Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who asserts in good faith a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, a consumer reporting agency described in section 603 ( p ) that maintains a file on the consumer and has received appropriate proof of the identity of the requester shall Without a phone number this alert is useless ...
XXXX keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score. I am in the middle of financing and their frequent updates are detrimental to this process. With them not having my corrrct info I wasnt able to be notified that I was out of forbearance. I respectively ask that the lates be removed and set to current. As soon as I contacted XXXX my loans were put back in forbearance. Also I want all loans older than 7 years to be removed from my credit report, as that is more than the COLfor my state. I need this done ASAP as XXXX is doing illegal collecting and reporting practices.If not removed I will be filing with FTC as well as State Attorney Office.
This my second complaint concerning Caliber Home Loans. Hopefully this complaint is premature, but I am sending it anyway. 
Briefly, I submitted a Loan Modification Application in XXXX, XXXX. Due to delayed written correspondence, the need to repeatedly re-submit previous documentation or submit updated/new documentation, and conflicting instructions and info, I had to file a new loan modification application on XXXX XXXX, XXXX, reciept of which which was verified by XXXX # XXXX. He indicated I would have a decision on XXXX XXXX, XXXX. My last conversation with Caliber occurred on XXXX XXXX, XXXX, when I spoke to XXXX, # XXXX. She indicated that no more documents were necessary and that I would have a decision on my new application on XXXX XXXX, XXXX. At to time has anyone indicated that the decision date of XXXX XXXX, XXXX was tentative. 
Today I call Caliber at approximately XXXX and spoke to XXXX XXXX? XXXX # XXXX, who advised that the application was still " in process '' and that there might be a decision today or a " it might take a little longer ''. I asked how much longer and he did not know. He said that that my application was received on XXXX XXXX, and that it usually takes XXXX weeks for a decision. I explained that no, I had been informed that my package was received on XXXX XXXX, XXXX ( it was submitted via email and I have a verification of receipt ). XXXX said he did not see that noted on my file, and offered no explanation of the discrepancy. He also stated that a decision might take longer because we are in bankruptcy. No one has indicated this to me in the past. 
We have lived here since XXXX, and want to continue to do so. It is our HOME. But due to my husband XXXX, our income has been reduced drastically for the last XXXX4 years and it is very difficult to make our mortgage payments in a timely manner. We filed Chapt. XXXX bankruptcy, trying to keep our home. We desperately need help, and thus my applying for a mortgage modification. 
My experience with Caliber has been the most frustrating experience in my life. Applicants can not speak to the underwriters directly. All information must be obtain through a Single Point of Contact ( SPOC ) person, who changes from call to call. Information is provided by them, then changes with no explanation, just excuses, if the discrepancy/change is even acknowledged by the SPOC. Correspondence from Caliber is still taking XXXXXXXX days from the date of the correspondence to the date it is received. 
I have diligently tried to correctly, and in a timely manner, do as Caliber has asked. In exchange, I have been given at the very least, misleading information time after time, and Caliber has not done as they said they would do. 
Due to our bankruptcy, foreclosure is not imminent, but once the bankruptcy is discharged, it is a very good possibility, if Caliber is unwilling to approve my application for modification. 
( Initial case CFPB case no : XXXX )
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life.

Bankruptcy Chapter XXXX-discharged, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.

There are also a number of inquiries that I did not approve these people to run my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I called Navient on XX/XX/XXXX and took care of my loan that was going to get defaulted and put it on a interest reduction program. I also asked to take my work number off my account and told them I was not suppose to be getting calls there. Let them know about the response I got from CFPB and that they checked into my account and my work number was off. I asked because I received a phone call at work yesterday XX/XX/XXXX. 
I then called Navient recovery on XX/XX/XXXX and talked to them about the response back that I received from CFPB about making a {$250.00} a monthly payment and my account for the 2 loans that defulted. My manager was not in and they left a message and emailed what we talked about to my account manager. I got a call today XX/XX/XXXX from my account manager XXXX XXXX and said that they said they do not have anything noted down about doing a $ XXXX monthly payment. She stated yelling at me about how a another company is telling me what I can do and that does n't that tell you about trusting another company and that it 's not Navient and she got really angry and would n't give me anytime to talk. What can I do about this issue?
Pennymac drastically under estimated our escrow account because they did not look at the actual tax bill, they look at what was paid the previous year ( we only owned the house from XXXX-XXXX  that year ). This seems negligent because our tax bill was put out in XXXX and our escrow analysis was done in XXXX. They had access to the accurate numbers yet chose to use inaccurate numbers. Due to this inaccuracy we had a deficate in our escrow account and now they are raising our mortgage payment 40 %, our payment is going from about {$1200.00} to about {$1700.00}. I have spoken with several different representative at Pennymac trying to figure out how they allowed this to happen and why they take no responsibility for their inaccurate estimate even though the correct information was available for them to use and each person gives me a different story and excuse and all refuse to admit there is anything wrong about the situation.
I refinanced into my current loan in XX/XX/XXXX. We were very conservative when taking out this new loan because our home is our families biggest investment. At that time we were a 2 income household and the increased payment was very affordable. Several years later, my loan was assigned over and over again to many banks due to them going out of business after the mortgage industry imploded. We stayed current and always communicated with our new banks. A couple years ago my husband was laid off from his job of several years and our now adult children were able to help out with our household expenses. We maintained until my son was in a car accident and was unable to work. We incurred expensive medical bills associated from this accident. This along with lessened work hours for me at work and the lack of income from my husband caused us to fall behind. We were now with SPS and this is when our troubles began. We reached out for help with our missed mortgage payments and in XX/XX/XXXX we applied for a modification. I was unable to complete the application due to not having the documents they were requesting. Our hardship was still very present-my husband still looking for work and my son 's therapy expenses taking a big chunk of my now full time income. As of today we are all doing much better. My Husband has found a great job and I am full time, my son is almost back to his old self. We reapplied for a modification on XX/XX/XXXX and shortly after I received a letter from SPS denying me for all retention options because we have a foreclosure sale within 27 days of the date of our application. This letter was dated XX/XX/XXXX, one day after they received our application- it was not reviewed at all just denied. When I called into SPS to go over the details of the denial I encountered a very rude representative that was just compassion-less. She was very difficult to speak with and combative when I asked her basic questions about my application. Again I am just seeking clarity on this denial as I do not do this for a living. I was reminded about how we applied last year and the file was incomplete. The representative basically advised that they are unwilling to help me today because there is a sale date on my property, that they already offered me a review and I didnt complete it. That was last year and my circumstances today are better than they were last year. I felt as though this person was very unnecessarily rude towards a homeowner that is only seeking to keep their home. I submitted a complete package and it wasnt even reviewed by them after all of our troubles this was very un-expected.
The company, Capital One NA is contacting my cell phone ( my cell # XXXX ) everyday at 30 times per day, calling me after XXXX XXXX and using several phone numbers as follows : my area code is XXXX-The communication tactics are deceiving, misrepresenting/who is contacting my phone with my area code ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX,
Discover Ban k Personal Loan w as paid in full on  XXXX   XXXX ,  2017 . The bank has failed to report to the Credit Bureaus that the loan is paid. The Credit Bureaus still show an outstanding balance of {$4000.00}. I have contacted the Discover Bank more than  two  months ago by telephone. They said to give it time to show on Credit Report. I have a confirmation by email from Discover Bank showing balance paid in full on  XXXX   XXXX ,  2017 . I attempted to file an online dispute with  XXXX   XXXX  and it came back as " automated failed attempt. ''