WillisBack/dataset-financial-user-claim huggingface dataset:
OCWEN Loan Servicing is so messed up that they sold our home, AFTER they contacted their attorney to stop the sale of our house!!!! OCWEN contacted their foreclosure attorney to stop the sale of our home on XXXX XXXX, 2016, but the foreclosure attorney failed to contact the Sheriff and our house sold. We had no idea that there was a sale on our home, as OCWEN placed the sale date on our home nine days before it sold. We are confused and VERY UPSET because OCWEN wanted to stop the sale, but either OCWEN or their attorney screwed up and we are paying the ultimate price. My husband and I even had an appointment with our OCWEN Case Manager on XXXX XXXX, 2016 to discuss what kind of workout option our loan would be reviewed for assistance options ; seven days after the sale! The right hand does n't know what the left hand is doing at OCWEN and it is costing us our lives. The foreclosure attorney is willing to revert the sale, but OCWEN just decided yesterday that they will not revert the sale!!! We will be homeless now and it is n't fair. OCWEN was fined {$2.00} XXXX a few years ago for what they did to AMERICAN homeowners, but they continue to take homes away from us, apparently without recourse. When my representative contacted OCWEN on the day of the sale, he spoke with an Escalation Manager with OCWEN named XXXX ( employee # XXXX ) who said that OCWEN sent the request to postpone to two separate emails at the foreclosure attorney 's law firm ( XXXXXXXXXXXX and XXXXXXXXXXXX ), but the attorney did not contact the sheriff in time. Clearly OCWEN and their attorney do not have the communication in place to ensure homes do not get sold! When asked when OCWEN decided to stop the sale, XXXX said the notes do not make sense and he can not tell when the sale was postponed internally. XXXX said that if the sale goes on and it goes back to OCWEN, it is possible for them to rescind the sale. After the sale occurred, we contacted OCWEN, but they only gave us two numbers to leave a message on and we were told that OCWEN would decide what happens and we had no say in the process. Well, they cold-heartedly decided that the sale is going to stand and that we have to be out of our home. When we asked if we could appeal the decision, they gave us 48 hours, but they mailed the appeal form and we will not receive it until after the deadline passes. PLEASE STOP OCWEN FROM ILLEGALLY STEALING OUR HOME!!!! They wanted it stopped and the property went back to them, so they can just give it back. HOW CAN THEY BE THE JUDGE, JURY AND EXECUTIONER and throw us into the streets?!?
The refi was to close on XX/XX/XXXX. All along it has taken back steps to process the a bunch of delays the most recent delay was that because the underwriter say that I had a different name on a document they insisted to know information about my divorce that occurred in XXXX even though my ex-husband is deceased. even after I have provided the death certificate ( which stats divorced ) they insisted that their staff would research the divorce and search for a final decree. In the meantime I think that I have been put through a process of delays to put me into a dire need to sign whatever the produce using the excuse that the found evidence that I did not disclose or whatever excuse the come up with for a bait and switch scam. 

The most recent problem today was that XXXX XXXX insisted that I provide homeowners insurance for my house in his co name, while my house is insured through My XXXX XXXX XXXX. The new insurance is in effect at XXXX XXXX tonight listed with Finance of America as ben,  while my XXXX XXXX XXXX is held with California Department of Veteran Affairs and is fully insured with XXXX XXXX. 

I informed XXXX XXXX that I am well informed that it is illegal to double insure and to hold insurance for a property that he has no rights to -- he in turn gave me a bunch of bs to state that he is just following rules XXXX XXXX Finance of America Mortgage LLC XXXX ID # XXXX
I have not been able to access the funds on my rushcard for about a week. I also receive a direct deposit every other week and that deposit has not posted this week it was supposed to post today XX/XX/2015. I have tried to contact the rushcard customer service on a daily basis only to be lied to and hung up on I am asking for answer please.
This debt was paid through my insurance and I have called United Revenue Corp several times to explain this to no avail. I have disputed this with all XXXX credit bureaus with no success because URC keeps reporting this as accurate data when it is not even owed to them. I also sent URC a debt validation letter and they never responded to my request but they signed the XXXX card showing that the received the validation request over 60 days ago.
XXXX XXXX XXXX XXXXXXXX sent me a check for XXXX to me and my deceased wife on XXXX XXXX, XXXX when I refinanced a mortgage loan with them. I returned the check to them with her death certificate and asked that they reissue the check in my name only. They stalled me through repeated efforts via letter and phone. Then they informed me that the check had been chased on XXXX XXXX, XXXX through a New York Bank. This is obviously check fraud, but I have no options other than I reported it to the police, but no settlement.
Bank Of America mistakenly billed me twice for monthly payment on my XXXX Visa XXXX card and I have not been able to reach them to remove the second duplicate charge. This was a significant amount of money that I no longer have access to. 

On XX/XX/XXXX, I my bank account was charged my normal autopay amount that paid off my credit card statement in full. On XX/XX/XXXX I was charged the exact same amount again. Bank of America does not offer chat or email customer support, so I called them on XX/XX/XXXX to have them reverse the charge. Bank of America was not able to do this and had me call a different line to speak to a department that covers the XXXX card. I called on XX/XX/XXXX and on XX/XX/XXXX, both times the hold time was over 1.5 hours, so I selected the option to receive a call back from their support. I never did.
This was paid on XX/XX/2014 directly to XXXX of XXXX. Financial manager never removed it from collections, as she said she would XXXX.
Portfolio Recovery DID NOT DISCLOSE THE DATE OF FIRST DELINQUENCY ON THIS ACCOUNT as requested in previous complaint closed by Portfolio Recovery. The Company DID NOT AND HAVE NOT provided the THE DATE OF FIRST DELINQUENCY TO XXXX, XXXX OR XXXX  credit agency. In Portfolio Recovery response to previous complaint, they only stated this Citibank adverse account was opened in 2010 and was purchased by Portfolio Recovery in XXXX. The Statue of Limitations legally allows that this adverse account be removed from my credit reports 3 years from the THE DATE OF FIRST DELINQUENCY SINCE THE INITIAL CREDITOR IS INCORPORATED IN THE STATE OF DELAWARE. The attached bill statement provided by Portfolio Recovery in previous complaint does not include the information requested, which is the THE DATE OF FIRST DELINQUENCY. The bill statement does not reflect the first delinquency. I have included the attached statement provided by portfolio recovery via my initial complaint to CFPB. I formally request this account be removed/updated with the THE DATE OF FIRST DELINQUENCY on XXXX, XXXX, and XXXX credit report. I BELIEVE PORTFOLIO RECOVERY IS ILLEGALLY WITHHOLDING INFORMATION IN ORDER TO COLLECT DEBTS PAST THE STATUE OF LIMITATIONS OF VARYING STATES.
I filed two disputes with PayPal and the people they have in place to resolve problems are from the XXXX and they can barely speak English. Also they do not understand the American culture. I had a problem with XXXX where they were to credit money back to my credit card and they never did it and it took PayPal employees from the XXXX about two weeks to understand what was going on after I made many phone calls. As of today I have a {$240.00} dispute with PayPal and its going no where because I have no way of communicating with PayPal employees from the XXXX.
XXXX XXXX XXXX, in it 's capacity as servicer transferred a loan that was foreclosed to XXXX to collect. On XX/XX/XXXX, XXXX XXXX XXXX, XXXX 's attorney responded to a complaint advising the Rescission Deed reinstated the lien and debt. On XX/XX/XXXX, a year later, XXXX XXXX XXXX, XXXX 's attorney, conceded the Rescission Deed and Foreclosure sale we 're both invalid. On XX/XX/XXXX, the Court declared the Rescission Deed was invalid. However, XXXX the alleged successor to XXXX is continuing to report this on my credit adversely without any legal authority. Please forward this complaint to the Federal Trade Commission for review, along with the historical file of my complaints.
I am purchasing a car from XXXX and the finance company/bank I am paying on the loan is Bridgecrest. The company Bridgecrest I believe is a lending predictor. They prey on people that are poor with bad credit. When obtaining the loan no one disclosed to me I was in a installment loan. Everytime I am late on the loan, I am charged {$6.00} a day. Do to financial hardship I've been late on the loan and can't seem to caught it up because I pay every two weeks on the loan as well as the XXXX a day I just found out last week I was being charged. I have been in this 2009 XXXX XXXX almost 5 years and have paid over {$21000.00} and still owe over {$9000.00} on the loan. I am being ripped off. They call and harass me so much I have to put them on a no call list. I almost loss my jobs behind them calling my back to back while my boss was standing in front of me. I feel defeated and don't know what to do. I know I'm in a predatory loan. Please help! No one disclosed to me I was getting into a installment loan when I purchased this vehicle. I've paid to much money to lose this car, and the company reporting to the credit bureau is making it impossible to get out this car!
XX/XX/XXXX I wrote to Vegas Valley Collection to verify that the debt was mine because I had no knowledge of the debt owed until I was denied due to my credit. I requested further information from Vegas Valley Collections and they did not comply with my request of verification. The amount owed totaled to {$58.00} from back in XXXX.
Nationstar Mortgage, XXXX XXXX XXXX XXXX TX XXXX XXXX This month, XXXX 2016 this company started requiring social security number to be entered when logging in to make online payments. THIS IS A POTENTIAL PERSONAL SECURITY/IDENTITY THEFT ISSUE. Security questions and XXXXPoint authentication, etc. is intended for this purpose and that Security Questions are available on their web site. Please note that when I tried to change my password and security question answers earlier this year the web site crashed and would not allow these changes. I contacted them several times and was able to change the password once but never the security question answers. It appears that the programmers for Nationstar lack the extensive knowledge to build a secure site. I contacted customer service at the number above and got the standard excuses as to why they must have the SSN and that the web site could not be changed back. Again the demand for the SSN at login is a demand implemented within the past 30 days and so it can be changed.
My complaint, is against Chase Bank. On XX/XX/2018 @ XXXX, I deposited {$70.00} into my checking account. However, my monies ( {$70.00} ) for my check # XXXX  in the amount of {$69.00} was " unlawfully '' transferred to another account ( documented as : # XXXX-XXXX XXXX XXXX ) that belongs to another individual ( XXXX ). I was unlawfully assessed, a NSF {$35.00} ( which have caused my account to in the negative ). I have requested, that Chase Bank return my monies to my account and CEASE AND DESIST their illegal withdrawals and transfers of my monies from my account ( to another individual 's account ). My name, is the " only '' name on my checks ( from the day that I opened my account ). As a " qualified individual with XXXX '', I have requested that Chase Bank Representative 's, Managers, Supervisor 's in the collections department and banking return my funds to my account, expeditiously ; however, they have REFUSED! As of today, they are continuing to practice discrimination ( based on continued harassment and retaliation ) @ XXXX.
Wells Fargo has pulled multiple hits on my credit file with wrong social security number submitted to them online.  XXXX  refuses to allow me to dispute the   XXXX   hard pulls on my account. Wells Fargo refuses to speak with me regarding this issue and refers me to the credit reporting agencies. Obviously, this is a cycle that is never-ending, and I as a consumer have the right to dispute hard inquiries on my credit report.
Please help remove these inquiries.
I have sent several letters requesting reports as well as trying to dispute letters. I have not received any reply from any of the bureaus
Due to identity theft, I chose debt consolidation over bankruptcy. Capital One account identified on credit reports as XXXX was XXXX of the accounts I have been attempting to resolve via XXXX XXXX XXXX XXXX for more than 22 months. To date XXXX XXXX has satisfactorily closed/resolved every account that accepted out attempts at resolution. Capital One has refused all our attempts to resolve this issue. While we are still negotiating in good faith, they have reported my account as bad debt, placed for collection, and skip, adversely affecting my credit rating.
At approximately XXXX XXXX on Thursday, XX/XX/XXXX I was at my place of busines which was not open for business and the manager at 1st heritage Credit ( XXXX ) he knocked on the door and my manager let him in he introduced himself to her as a welcome to the neighborhood and then walked past her to me and began to collect on my account. I informed him that I did not think this was legal coming into my place of business and he said it was and that he wanted to make payment arrangements or he would take me to court I advised him that I am filing bankruptcy and my attorney would contact him and he continued to collect and urged me to continue to pay outside of my bankruptcy. He did not ask me to verify who I was all he did was call me by my first name and I responded. He continued to collect in front of my peers as well as a passer by who stopped in the office. After multiple attempts of me telling him to please go though my lawyer he finally left. My business was discussed in front of many people. It was both unprofessional and embarrassing. I also believe this is close to harassment. I specifically asked if this was legal, as I know it is not, and he continued to berade me in front of my peers.
Best despite my best efforts in submitting a copy of the FTC complaint for ID theft having to do with multiple accounts I am on able to submit to the three credit reporting companies for some unexplained reason
This is follow-up for Combined Complaint # : XXXX and XXXX. My second complaint is NOT a duplicate as you state ; it is instead a complaint about the way the CFPB basically shrugged off my original complaint against US Bank Home Mortgage. I was told by the OCC to readdress you again because according to the OCC, the CFPB IS supposed to investigate this matter. Your representative said the CFPB does NOT investigate this matter. Update : XXXX XXXX, 2017 US Bank replied to my reply letter. US Bank continues to state is has no responsibility in correcting our credit reports after it took 15 months to finally approve a loan modification. We directly refute this with proof in our complaint. US Bank simply denies it ever made any such claims of correcting our credit reports -- it further claims it deleted all documents that would support its claim. Basically, US Bank offers zero proof that it is innocent of the complaint we have made. US Bank cites that it is required by law to provide accurate reporting to the credit bureaus. No one is disputing that US Bank IS INDEED required to report accurately ; what we are disputing is ... .that they failed to correct what they said they would correct ... our credit reports!!
I have fallen behind on my mortgage payments. Recently, I submitted a loss mitigation application for assistance. When I called in today to follow-up on it, the representative at Carrington Mortgage told me that they didn't have time to process my application.
My mortgage was sold to Carrington Mortgage Services ( CMS XXXX by XXXX Mortgage XX/XX/XXXX. Erroneously, On XXXX XXXX, XXXX, XXXX Mortgage issue a premium payment in the amount of {$720.00} to XXXX ( now XXXX XXXX for the policy period of XXXX XXXX, XXXX to XXXX XXXX, XXXX. Subsequently, on XXXX XXXX, XXXX, XXXX Mortgage inadvertently issued a premium payment in the amount of {$730.00} to XXXX for the aforementioned policy period. 
As a result of the above information a refund in the amount of {$730.00} was issued to me in error. Once, I discovered the money was sent to me in error, I started out with a payment of {$800.00} of which {$530.00} was designated towards escrow. The remaining balance of around {$260.00} was designated for the regular monthly payment. However, this amount never allocated properly. Long story short it took Carrington ( CMS ) an unacceptable amount of time for them to recognize I had paid the {$730.00} back in full and other erroneous issues from Carrington ( CSM ) started occuring. For example, I started receiving notices from them stating I did not pay my mortgage payments. I had to send them proof from my bank, which sends Carrington ( CMS ) the money electronically each month. In the mean time I notice my bill had increased. Additionally, during these processes Carrington ( CMS ) stop sending me monthly mortgage statements. They said they sent them to the attorney. Even after receiving notice from the attorney to send all correspondence to me, I have still yet to receive my monthly mortgage statements from Carrington ( CMS ) at my home address, which is XXXX. XXXX XXXX XXXX, XXXX, Ohio XXXX.
XXXX has sold this account to Diversified Consultants, in return Diversified Consultants never sent a letter out this company placed this account XXXX on my credit report. If Diversified Consultants would have taking the time out and contact me then would have known the account was taking off my credit by Consumer Financial. XXXX was notified about the complaint and XXXX XXXX XXXX also knows this was taking off my credit. 
CFPB first complaint # XXXX
I dont know dates. But I have spoken with them a few times and they have me make {$5.00} payments then act like they dont get them. They told me after 6 or 9 months of consecutive payments I would be good and theyd help me further. After all that they started saying I wasnt paying. And then I get bills for {$100.00} and more payments to be made. The name is something education.
XXXX ( XXXX XXXX XXXX ) is trying to collect a debt that is no longer owned by the loan holder that they claim is the loan holder ( XXXX XXXX XXXX ). I spoke to several people at XXXX as I was trying to pay a debt that was originally placed on my bankruptcy and resolved, however, I was told its a possibility of it re-surfacing. After speaking to XXXX and them telling me they were not the loan holder and they could not change anything with my loan, I asked who is the loan holder and contacted who they said is my loan holder which is XXXX XXXX XXXX. My XXXX XXXX said they do not own my loan and have no records of it. I then called back to XXXX and was told, " no one owns my loan ''. I now know that they are just a collection agency trying to collect a debt that was resolved in my bankruptcy in XXXX. I want them to take this off my credit and to stop harassing me.
I 'm currently having hardship and I ca n't make regular payments. I informed creditor that I 'm trying to figure out my situation and that I will contact them as far as payments. Creditor was sent a letter. I 've never received any I written notification from creditor with attempt to garnish my wages. Creditor sent a letter to my employer without my knowledge or proper notification. I 've never had chance to talk to creditor and try to avoid garnishment. I 've never received any written or verbal communication from creditor
WELLS FARGO PROPERTY LOSS DEPARTMENT IS ILLEGALLY HOLDING FUNDS THAT DO NOT HAVE ANYTHING TO DO WITH PAYING MY CONTACTOR. THEY LOST THE CHECK FUNDS SENT bY MY INSURANCE COMPANY FOR {$2700.00} XX/XX/XXXX. MY AGREEMENT WITH THE CONTRACTOR IS THE INSURANCE COMPANY PAY THE {$2700.00} AND I PAY THEM THE REMAINDER ( {$1900.00} ) OUT OF POCKET. WELLS FARGO PROPERTY LOSS RECEIVED MY RECOVERABLE DEPRRECIATION CHECK FOR {$5200.00} THAT WAS SENT TO ME. NO CONTACTOR IS OWED FROM THIS AMOUNT. INSTEAD OF CORRECTING THEIR BLUNDER AND HAVING THE INS.CO. REISSUE THE {$2700.00} CHECK THEY ARE TRYING TO ISSUE THE RECOVERABLE DEPREC. CHECK TO ME AND MY CONTRACTOR. THIS IS ILLEGAL. THEY ARE TRYING TO CHANGE/USE FUNDS THAT HAVE NOTHING TO DO WITH THE CONTACTOR AS THOUGH ITS ALL THE SAME. THE CONTRACTOR TOTAL BILL IS FOR $ XXXX-XXXX ins co = XXXX that i owe out of pocket and agreement between me and the contractor at installation.this action is fraudulent illegal. wells fargo once again has over stepped their authority making rules robbing consumers they don give a XXXX about. they have place money in a restricted account that was not intended for that purpose. the insurance ADJUSTER and wells fargo employees ME told the recoverable depreciation was something i had to get form the ins co. by sending a certificate of completion that was done. they told me the mortgage com. didnt have anything to do with the rec/depri. but now they are trying to steal these funds from me. They have refused to let me speak with management in this department stating no one handles my claim its randomly processed with no one person. so everytime i call its always something different an all lies i 'm tired of being victimized
I have 16 hard inquiries when I only had three cedit cards non eof these were approved by me
Gensis loans have stopped sanding letter of what I still own them. so me assuming I was n't getting a bill from them that I was done paying them. I was going to XXXX college here in XXXX TX. well it was called XXXX instituted and they closed them all down for what I know. so I was told by them that I did n't have to pay no more student loans because there was no account to send money. so I need to know what should I do since I think its unfair for me to pay for a loan that I though was payed for already.