WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for my mortgage loan with a local agency called XXXX XXXX out of XXXX Massachusetts. A couple of months later the mortgage was sold to Wells Fargo. The initial mortgage was {$620.00} a month. Wells Fargo " readjusted '' the mortgage by saying we were overpaying and dropped the monthly payment to {$580.00}, I asked them if this was true and wanted to make sure it was accurate and no one would tell me why the mortgage was re-evaluated. Then about a year later I received a letter that my mortgage was increasing from {$580.00} a month to {$870.00} a month! I never would have purchased a house for {$870.00} a month because that is about half of my monthly income, and I know my finances well enough to know I ca n't afford that! I have been fighting with Wells Fargo to re-evaluate my mortgage payment and to explain the reason for the increase. I do no have a variable rate, either. At this point they are talking about foreclosure despite paying {$600.00} a month instead of the {$580.00}. I have asked them to run a report to explain why the increase and have received nothing. I have spoken with my town and the treasurer/tax collector said that city taxes run from XX/XX/XXXX to XX/XX/XXXX and Wells Fargo is calculating taxes on a calendar year from XX/XX/XXXX-XX/XX/XXXX which actually is taking into account two calendar years. I have been dealing with them since XXXX of 2014 and at this point am ready to try to hire a lawyer.
I opened my new checking account and the offer was to receive a new account opening bonus after 60 days of completing offer. I opened the account mid XX/XX/XXXX and fully funded the account Mid XX/XX/XXXX. I called to inquire about the status of the bonus last week around XX/XX/XXXX and they told me it would be ready in 2 more days as it would pass the 90 day mark. I called today XX/XX/XXXXand now another phone representative is stating i have to wait another month. It seems they do not know and understand the products they are selling and giving me the roundaround. If two employees tell me two different things then who's information am I suppose to respond too.
I have found out this firm has opened cases against me but i've yet to be served. I've previously informed them that my income is from social security and is protected. I am XXXX years old with XXXX and still recovering from a XXXX, this is becoming an undue stress for me.
This submission relates to previous complaint against Regions Bank regarding excessive overdraft charges with number XXXX and to the finding by CFPB earlier this year that Regions Bank was in violation of Federal Law or Laws in their actions regarding excessive overdraft charges. Other than a refund of a single {$36.00} overdraft charge which I received XX/XX/XXXX ( if remembering correctly on date ), I have not received any thing from Regions Bank in terms of refund or acknowledgement of my valid concerns. In ( or around ) XX/XX/XXXX I began to receive daily/regular collection calls from Regions Bank. At ( or near ) the same time I also began to receive some other type of alternative collection call which came from different numbers with different area codes delivering messages from people using different ( more than likely fake ) names saying things like they are from the fraud division and my checking account is on their list and my case would be downloaded to my county for further litigation. Both types of calls ended in approximately XX/XX/XXXX and I strongly feel they are tied together. During my nearly 17 years as a Regions Bank customer I was a victim of identity theft more than once between the years of XX/XX/XXXX and XX/XX/XXXX by professional criminals with obvious banking industry knowledge and experience.
Due to a series of financial misfortunes, my wife and I fell behind in our mortgage. In XX/XX/2013 Chase Bank held us in default and refused to accept further payments, and has since begun foreclosure proceedings. Since that time we have tried in good faith to negotiate with them. Today we were informed that our request for a loan modification was denied because our income was " adequate '' to meet the mortgage payments. This is just not the case - loan payments and taxes on the house equal about half of our monthly income, leaving us insufficient money to pay our other bills and feed our XXXX children.
I went in and purchased some Items from CONNS. Some of the items that I purchased were not at the store location, and I was instructed to go by their warehouse and pick up the remainder of the merchandise. The warehouse did not have my items in stock as well and I was told that it would be shipped to my home. Also, CONNS added rental insurance in the amount over XXXX to my account. I brought it to their attention and they stated that due me having rental insurance it would come off. Months and years went by, I am paying on my merchandise, and never received my items that were listed on my contract from CoNNs but they want me to pay for them. Also, they never took off the rental insurance XXXX. I believe the contract is non/void due to them not keeping their promises of giving me the items that I agreed to pay for on the contract. I believe this is fraud.
I Am Receiving Repeated Robo Calls For A Debt I Do Not Owe : '' Credence Resource Management Is Based Out Of Texas But It 's Their Idaho Branch That Is Harassing Me From Several Different Phone Numbers With A XXXX Area Code.Recently I Paid Off My XXXX XXXX XXXX Bill Completely Before Switching Carriers And Like Thousands Of Other People Having The Same Issue With This Particular Company C.R.M Is Just Making Up A Fake Debt And Calling Every Single Day, Letting It Ring Through And Never Leaving A Message And If I Answer There Is Never Anyone On The Other End Of The Phone.A Couple Of Times I Spke With A Live person And Asked Them To Stop Calling My Phone And The Calls Still Keep Coming.Either Way They Are Some How Using The Fact That I Was A Previous XXXX XXXX XXXX Customer As A Way To Justify A Fake Debt And Harass Me Every Single Day At All Hours.I Want The Calls To Stop Now Please.
I took out a loan in 2008 for XXXX. I paid each month XXXX a month for a total of XXXX. I feel as though this loan is paid and their interest rates are outrageous. They are threatening to sue me.
I entered a Service Agreement with Ameritech Financial on XX/XX/XXXX under the pretense that I would be enrolled in the Public Service Loan Forgiveness Program and my student loan debt would be forgiven after 120 qualifying payments. They explained to me that {$200.00} would be debited from my bank account on XX/XX/XXXX as well as {$200.00} for the next 9 months to pay for the Program with XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. After those 9 months, I would be debited {$99.00} for the remainder of the program. 

I took out a loan under my name and a second one under my father 's name to cover tuition cost at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Upon graduation, I began paying back both mine and my father 's loans so it grew very expensive for me. I received a notice in the mail claiming Ameritech could help reduce my loans, so I called and we are now here. 

I regularly check my account and my father 's account on XXXX website and the principal amounts have never been reduced after starting our plan with Ameritech. I even began paying interest on my father 's loan in XXXX as we are enrolled in the income-based/contigent repayment plans. I am very concerned about this current lawsuit against Ameritech and it how affects me because I was counting on making those 120 qualifying payments for my student loans to be forgiven. I can't believe I've been paying {$99.00} towards my account and {$99.00} towards my father 's account monthly since XX/XX/XXXX and it has all been for nothing. I am not sure now if I even made any qualifying payments and I can not afford to start this process all over again. I would really appreciate any help or guidance you could provide me. 
Thank you!
This property is my deceased wife 's property. She passed away in XXXX. After her death I had several issues with her family and her estate. I then was granted her estate on XX/XX/XXXX. Soon after a realtor contacted me to advise me that he could sell the property for me. I gave him the estate documents and signed a letter for the title company. He then advised me that as soon as he told her family about the property her family tried to make an attempt to sell the property. I then was deferred by court docs from my deceased  wife 's family and having to get an attorney for that. The realtor that advised me that he would help me out wouldn't return my calls to give me an update on what was going on. I then receive a letter from JPMorgan Chase 's attorney advising me that they are set to foreclose on the property and set it to sell. I contacted the attorney 's office they advise me to contact Chase to set up an arrangements with them to stop the foreclosure. I call Chase ( on XX/XX/XXXX ) and they told me that they do not have me as a third party and they can not release any information to me. Baffled, I asked how do you all not have me as executive of her estate but your attorney 's office does, as well they have my correct mailing address. No one at Chase could explain that to me. I tell them that I am trying to save the property, which is set to sell on the XX/XX/XXXX, what do I need to do. They ask me to send them the estate document and her death certificate, and to follow up on SatXX/XX/XXXXto see if documents were received. I faxed over requested documents that same day. On Saturday morning I called Chase to see if documents were received. They advised yes. Trying to get everything in order to prevent foreclosure I asked them what do I need to do now. They then tell me that I am going to have to get a name change and I need to send them our marriage certificate. Again, I get information, rush to a Chase branch to get documents sent to me that way since they advised that it is faster. I fill out the document and send in my marriage certificate to them. I then call and ask them have they received the documents requested, they advise yes. I then asked so what do I need to do cause the house is set to sell tomorrow. Chase representative advises me to go to my county clerk  and request a redemption period. It was too late to call the county cause they were closed. I call the next morning ( day of the sale ) the rep for the county told me that I need to contact an attorney and asked if I need to speak to someone with legal aid. So then I decided to just go to the county clerk 's office. The reps there advised me that they do not do a redemption period there and couldn't give me any information cause they don't know who would do that. At that time it was already an hour til XXXX ( time of the sale ). Chase gave me misdirection and didn't give me the correct information so that I can provide all that I needed to them to try to save my home. Nor did they try to contact me prior to the foreclosure to let me know what was going on. They refused to give the balance owed on the mortgage. They were no help and didn't seem to care about my concerns.
In XX/XX/2016 I opened a checking account with TD. At that time, if you opened either a premier checking or convenience checking, you would qualify for a reward. 
I spoke with the branch manager, XXXX, to open a checking account with {$150.00} reward and she assured me that if I am making direct deposits and debit card purchases in a certain amount I will qualify for the reward. 
After I did whatever it was told, I was denied from getting the reward. every time when I was calling to dispute the reason, it was told me something different. 
First they told me that I have to wait for another couple weeks for the reward to post. Then they said that I opened the account over the phone, so i will not get it. Going back to the branch and talking to XXXX ( that opened the account for me and making sure I will get the reward back in XX/XX/XXXX ) she told me that I would not get the reward because I switch the premier checking with convenience checking and that 's why I will not qualify. Last, calling another supervisor - XXXX I was informed that will not get the reward because only one per household is given!! 
I 'm sure that if I continue to call they will tell me whatever other reasons. 
At this time I am looking for a lawyer.
First time they called I answered no one was there and they hung up on me. Now they call twice a day. I do n't answer the phone since I did not know who they are. Upon looking the number up it is from XXXX XXXX XXXX, a supposed debt collection service, that has numerous complaints as a scumbag company. I do not owe anyone money, therefore they have no reason to call. Please put these dirtbags in Jail!
Microbilt- Re Inquiry I have tried working with my creditor in regards to an Inquiry. I have disputed Inquiries twice with the bureaus and extended the process two times, 30 days each time. The bureaus have sent letters to me saying to dispute it with my creditor. I have not had any responses from the creditor. My creditor has not responded to my letters. Therefore, I have reached an impasse with the creditor and need your help.
I was looking to apply for an everyday rewards credit card and I went online to www.americanexpress.com ( XX/XX/2018 ) and clicked on " cards ''. There were different options for cards and the BLUE CASH EVERYDAY card seemed to fit my needs and what I was looking for. The welcome offer stated " 0 % APR for the first 12 months '', {$200.00} back as statement credit after spending {$1000.00} using Amex card the first 3 months of card membership. I then clicked " apply now '' and upon submitting my information I was instantly approved. I DID NOT leave the page and returned at a later time. At the bottom of the welcome offer I clicked " apply now ''. 

After receiving my card, I made a big purchase and I called american express to ask general questions on rewards and such. I was told that I did not receive the welcome offer 0 % APR. I asked to speak with a manager, and I was told they would investigate this and I would get a notification with the outcome of the investigation. I was notified a few days later that I was not eligible for the welcome offer with no explanation. I called back to speak with a manager and apparently a manager was not available and the representative took my phone number and told me I would receive a call from a supervisor/manager. No one ever called me. I am extremely disappointed because I was looking to build my credit, however, due to the misleading and FALSE information/advertising on the American Express website I am now receiving outstanding interest rates. I would of never applied for this card if it wasn't for the welcome offer. It is unfortunate that no one at American Express helped me by honoring the welcome offer and fixing the situation as I truly believe this is something that could of been rectified to keep customers happy. Each and every representative I spoke to did not try to help me and seemed to rush me off the phone. 

If they honored the welcome offer I would of been a loyal customer for life, paid off my balance in full and continued to use my card and eventually upgrade. I want American Express to do the right thing by applying the welcome offer to my account 0 % APR and apply the {$200.00} statement credit on the XXXX month since I spent over {$1000.00} during the first 3 months of my card membership.
I called Equifax regarding a few things on my credit report that were n't authorized upon doing so I was asked to verify several information I did so and was told my date of birth was incorrect the birth year they have for me is XXXX I was born XXXX XXXX XXXX I then asked the rep for the information to upload my drivers license and social security card she refused to provide that information there are things such as personal information that was incorrect and also inquires listed that I did not authorized. I also have a fraud alert on my account because my wallet was lost. Then once the breach hit and I found out I was affected by it all of a sudden all of these things are listed. There is even an account on my report from XXXX I was n't even born in XXXX I will attach that as well
I submitted a formal dispute with Experian, XXXX  and XXXX  on XX/XX/2018 via certified mail. In this dispute I informed all of them that they were reporting unverified incorrect data on the credit file they possess under my name. I also reminded them that they are bound by the Fair Credit Reporting Act to report only true and verified data. As per FCRA laws, they are required to have a copy of the creditors ORIGINAL documentation ( a consumer contract with my signature on it ), on file, to verify the information being furnished is true and correct. I requested Experian, XXXX  and XXXX  to provide me with copies of ALL documentation associated with this account entitled to me in accordance with FCRA Section 609 ( a ) ( 1 ) ( A ). I also requested all three agencies to provide me with the method of verification as per Section 611 ( a ) ( 7 ). I stated that in the absence of any such documentation they permanently DELETE the inaccurate unverified account on my file. The companies responded to me that they have " verified this account belongs to you ''. XXXX, Experian and XXXX  did NOT provide any information that i requested. No documentation was provided to me at all, they also provided no method of verification. This is AGAINST THE LAW and in clear violation of my rights. I demand Experian, XXXX  and XXXX  be held liable for reporting false invalidated information. To date, the account 'XXXX & XXXX/XXXX, XXXX XXXX, XXXX XXXX , LA XXXX ' remains on my credit file and I want this account permanently deleted IMMEDIATELY as it is inhibiting my right to good credit.
XXXX hired Financial Asset Management Systems ( " FAMS '' ) to collect on a private student loan. FAMS flagrantly lied under CFPB complaint number XXXX. In their response they stated that they received a verbal cease and desist in XXXX 2015, and that they called me once on XXXX XXXX, 2015. FAMS conveniently did n't mention CFPB complaint number XXXX, in their response, which was submitted by me on XXXX XXXX, 2015, and FAMS responded to the complaint on XXXX XXXX, 2015. Under CFPB complaint number XXXX, I stated in writing that I wanted absolutely no communication from FAMS. However, FAMS called me on XXXX XXXX, 2015, even after receiving a written cease and desist from me on XXXX XXXX, 2015 under complaint number XXXX. I have their phone call as a records log on my phone. In addition, under CFPB complaint number XXXX, FAMS alleges that they called me on XXXX XXXX, 2015, because of settlement negotiations. However, when I called FAMS on XXXX XXXX, 2015, I specifically told them that I wanted absolutely no phone calls from them regarding the settlement negotiations. I recorded the phone conversation during the phone call. I have the phone call recorded in my phone logs. Under the FDCPA, a debt collector is not allowed to contact a person after receiving a written cease and desist letter, which was sent under CFPB complaint number XXXX. The exception is a debt collector stating that they are ending communications which was done in FAMS ' response on XXXX XXXX, 2015, under complaint number XXXX. As a result FAMS flagrantly violated the FDCPA by calling me on XXXX XXXX, 2015, which caused me severe emotional distress and health issues. There is no exception in the FDCPA to call someone regarding settlement negotiations after receiving a written cease and desist letter. FAMS has flagrantly lied in their responses regarding their violations of the FDCPA and their refusal to adhere to written cease and desist letters.
This is regarding XXXX XXXX billing me for services on a home I sold on XX/XX/XXXX, which they were advised of before the sale. They even came out and did the final inspection for the sale. I noticed that it was on my credit report when I looked on XX/XX/XXXX, so I sent them a check for {$86.00} Check # XXXX thinking that would take care of it and get it off my collection report. But that did n't happen. Now they have turned it over to XXXX credit reporting agencies - Focus-RM on XXXX and Focus MGMT on XXXX.
I checked my credit report when the XXXX breach happened. XXXX  gave me a free XXXX XXXX protection plan. I then requested a free annual credit reports from XXXX and XXXX. I noticed a few accounts that were opened fraudulently. I disputed these accounts a few times. 


PORTFOLIO RECOVERY A - collection for {$370.00} XXXX XXXX XXXX, XXXX XXXX XXXX VIRGINIA XXXX XXXX PORTFOLIO RECOVERY A - collection for {$420.00} XXXX XXXX XXXX, XXXX XXXX XXXX VIRGINIA XXXX XXXX
I apply for annualfreecredit report, your website said i received my credit report that not true? if could you provide me with the date and what address you sent it to? I have n't receive a credit report this year nor have i submitted a application for until today. XXXX XXXX, 2016 Friday
I have a conventional XXXX mortgage at 5 % 30 yr fixed at XXXX XXXX that is a non-XXXX/non-XXXX loan. I have a XXXX mtg. with Ocwen loans at 12.7 % with a 30 yr amortization. The total balance of both loans is {$210000.00} and the home is worth approx. {$160000.00}. I have had both of these loans since XX/XX/XXXX and have not been able to refinance. I want to keep my house. 
I contacted both lenders and neither can refinance. XXXX XXXX told me point blank there is nothing they can do with a refinance because I am still underwater, and the same was stated to me by Ocwen. A mortgage broker by the name of XXXX XXXX was on the phone with me when Ocwen told me there was nothing they could do. Ocwen called me back and suggested that I call XXXX to reduce their rate to make up for the 12.7 % Ocwen rate! Ocwen was very firm that " because I was on time, there is nothing we can do for you. '' On a previous call with XXXX, I was also told I was not on a list to be helped because I was making the payment on time. I have been paying on time since XX/XX/XXXX and there is no fix for me. Ocwen strongly implied that I can not get help unless I am late. However, if I go delinquent to get help, credit I have built over a lifetime will suffer as well as any chance for any help that might be available in the future. I am not alone with this problem. Why ca n't lenders refinance on time paying homeowners who stay put in an underwater home to lower rates? I am doing the right thing and making my payments and there is absolutely no refinance option for me simply because I am underwater and do n't have a XXXX or XXXX XXXX loan. I watched closely XX/XX/XXXX when President Obama brought up a refinance option for those of us with non-XXXX/non-XXXX loans. I am in the lost category and am treading to stay put. Is there any refinance option like HARP 2 for conventional mortgages?