WillisBack/dataset-financial-user-claim huggingface dataset:
This message is a follow up to complaint # XXXX with the intent of modifying the " desired resolution ''. To recap the issue, my wife and I applied for a construction loan with BB & T bank in North Carolina. We spoke with the mortgage loan officer on XX/XX/2015, clarified our need for a construction loan for XXXX the cost of construction. We submitted all documents on XX/XX/XXXX requested from BB & T in their letter of XX/XX/2015. We were told by our loan officer that the loan would be processed in one week. I stated clearly that if there was any chance that the loan would not be approved, I did not want to go through with the appraisal at a cost of {$430.00}. I was assured that if the appraisal was ordered, our loan would be approved. 

There was not one representation made by BB & T that held true. They lied about the appraisal, they lied about the passive income limits from our retirement accounts, they lied about the loan to value ratio requirements, they lied about not having received documentation from us, and they lied about closing dates. 

We continued to be strung along by this group of unprofessionals for XXXX months with excuses about the underwriters and the loan processors " not communicating ''. We then reached our planned spending limit of XXXX the construction cost from our savings with new promises of closing on XXXX XXXX, 2015. XXXX days after being told the closing needed rescheduling, we were told that due to time limits on documentation, we would need to resubmit financial statements. This tactic occurred XXXX times. 

My wife and I finally decided to drop our efforts to close the loan one day after filing our previous complaint to this agency. That day, I spoke with XXXX XXXX, XXXX Manager, and had the same false assurances repeated that had been made by XXXX of her XXXX underlings. Once again we were told that financial documents previously submitted to the bank, would need to be submitted. At this point I realized that our efforts were in vain. 

I have been in and around the construction industry for XXXX years and have worked with at least XXXX other financial institutions with construction loans for projects/homes I have constructed ( all successfully ) and I have never seen anything like the incompetence and outright misrepresentation of the truth as exhibited by the entire chain of command at BB & T. 

I strongly urge anyone considering a construction loan to look elsewhere.
I attempted to pay off my student loan with Sallie Mae. During this process I used the system to view the current balance/payoff amount of my loan and checked that option on the payment form. I specifically chose this option and not Last Statement Balance since the statement balance may have possibly been not current. After submitting the proper amount for the current balance/payoff amount the institution billed me for additional expenses. There was no disclaimer or information shared with me that they would process any additional charges and since I selected to pay off the loan it, to my knowledge, payed off the full loan.
Pre-approval offer sent in mail. Applied, no decision was given and application was put into a pending status. No decision received at any point. More than 30 days have passed. Hard inquiry placed on credit report, no account opened and no XXXX received. Capital one improperly accessed my credit report without providing a decision as well as sending me repeated ( i have received since the application including this week ) additional pre-approval offers even though they have not even given me a decision from when i applied from the first preapproval
In XX/XX/XXXX, my 3 student loans ( parent portion ) were paid in full by XXXX and XXXX XXXX. After that, I was on a 3 year post monitoring status. For the 3rd year, XXXX/XXXX sent my letter to the wrong address after 2 correct years that caused the loans to report as reinstated on XX/XX/XXXX. On XX/XX/XXXX after becoming aware of the error, I contacted XXXX, gave them the final letter and was told the loans were paid in full and my 3 year post monitoring period was satisfied. Unfortunately, it took them over 5 months to finally get the balances to XXXX. Along with the XXXX  balance, a remark was added to all 3 loans that reads " Deferred, payments begin XX/XX/XXXX which is totally incorrect. I have disputed the errors with all 3 major bureaus several times, but they told that they can only report what the lender tells them to. I have suffered a 70+ point drop in score and have been denied several loans because of the erroneous $ XXXX $ XXXX dollars of debt. I will upload the corresponding paperwork and add it to this request. However I can not do so until I close this site.
I had 19 years left on a 30 year mortgage with Citibank and, in XXXX, I missed a number of payments due to being out of work. I worked with a loan specialist at Citibank and informed him that I had gone back to work and would now make up for past payments. During a 5 week period in XX/XX/XXXX and XX/XX/XXXX I made 3 mortgage payments, which only left me 2 mortgage payments behind, but Citibank sent all 3 payments back to me and began foreclosure. Citibank did not lower my interest rate ( even though I asked them 3 times to lower me to the then current 3.5 % rate and change my term to 15 years, which would have raised my monthly payment less than {$15.00} but would have shortened my term by 4 years. They refused to extend those terms to me. Instead, they re-instituted my mortgage at the same interest rate along with my original loan principal balance for a 40 year period. So now, I am paying off the same exact balance as my original loan amount ( {$70000.00} ) over a 40 year term at the same rate ( 7 % ). I owed them my payment for 19 more years and somehow they added an extra 21 years to the term of my mortgage. They did not lower my interest rate nor did they forgive any of the principal balance. In other words, instead of making my mortgage easier to pay, they made it more difficult to pay by adding an extra 21 years to the term of my loan. As it was, I was going to pay {$160000.00} to repay the original mortgage I agreed to, and I have no issue with that, however, Citibank added an extra 21 years to my mortgage which will require me to pay an additional {$110000.00} for my mortgage - and that, I did not agree to. So, all told, I now will have to pay {$280000.00} for a 30 year mortgage at 7 %. And this is on top of the fact that I was working with a mortgage specialist and, as of XX/XX/XXXX, had they accepted my 3 mortgage payments, I would have only been 2 mortgage payments behind which I would have gotten caught up with by XX/XX/XXXX. Had Citibank accepted my payments, I would now have just 15 years left on my mortgage at {$780.00} per month but instead, I now have 37 years left at {$780.00} per month. After they " modified '' my loan terms, they sold my loan to XXXX. My belief is that Citibank probably did this with XXXX borrowers, and falsely pumped up the value of the loans and then sold them to another financial institution. If that 's what is allowed in the world of high finance then it is what it is, however, I owed 19 years on my mortgage at 7 % and now I owe 37 years at 7 % - with the same exact principal balance I had on the original mortgage I assumed when I purchased the house. Something seems very wrong here and I am asking for your assistance in rectifying this matter. I have all my paperwork right back to the closing documents. I figured it would be easier for you to tell me what it is you need from me rather than me just sending you all kinds of paperwork that you may not need. I thank you sincerely for your help in this regard.
Ditech Financial LLC is the 5th lien holder of this disputed debt. In XX/XX/XXXX, I purchased a house for {$250000.00} through a bank in NM. That loan was sold to XXXX, which then sold it to XXXX XXXX XXXX, which then sold it to Green Tree Financial, which then sold it to Ditech Financial. The debt was sold four times through XX/XX/XXXX. By XX/XX/XXXX, I made the decision for my XXXX children and me that we could no longer afford to live in the house. I was borrowing from family and living on credit cards in order to make the mortgage payments. I notified XXXX XXXX XXXX that I would be unable to continue to make mtg. payments, but would attempt to remedy the situation. I made efforts to rent the house through a rental company which specialized in this type of transaction, due to the state of the economy, there was n't the market for such a large property. I made sure that the septic system was cleaned, swamp cooler serviced, termite inspection done, furnace serviced, guest house rooms freshly painted, shrubbery trimmed. We also left a usable refrigerator in the garage and the house cleaned when we left. I left the house keys with the next-door neighbor, and notified XXXX XXXX XXXX that 's what had been done. Within a few days, men came from XXXX XXXX XXXX (? ) /Green Tree (? ) -- got the keys from the neighbor, went through the house, changed the locks, then exited. I contacted Green Tree and tried to work through that company to resell the house via their specific division, but was notified by them that since I had moved from the house, I was considered an absentee landlord and they could n't help me! What a joke! I then tried to sell the property through a realtor that specialized in short-sells, verified with Green Tree that I had all of the paperwork, it was all vetted, we had a buyer who was ready to sign the purchase agreement -- of course it was a lot less than the $ XXXX, but it would have saved the property and me. That day, both the realtor and I were notified by Green Tree that the house was being put up for sheriff 's sale and the realtor and I were out of the picture. The house was sold at sheriff 's sale -- by Green Tree to Green Tree -- for {$200000.00}. It was then resold to another buyer. At some point after that, Green Tree sold the loan to Ditech Financial, which really just might be Green Tree/XXXX XXXX XXXX XXXX XXXX XXXX XXXX DBA Ditech Financial. I was sent a Capital Gains Statement for my XX/XX/XXXX income taxes in the dollar amount of {$180000.00}. We had no gains from this whole nightmare, only losses on top of losses.
Last year, my mortgage was being handled by DiTech Financial. The mortgage is being handled by a new servicer now ( XXXX XXXX ). Nevertheless, DiTech Financial is still reporting a note on my old account from their office that my mortgage was in foreclosure. My mortgage was never in foreclosure, and I want DiTech to delete the foreclosure note from their account listing, or completely remove the account from my file.
PROBLEM : Two Failures to disclose terms and costs for home mortgage of $ XXXX closed on XX/XX/XXXX : 1. From the outset we requested and reiterated our need to pay down the mortgage to achieve lower monthly payments, without penalty. However, CCM failed to disclose their loan terms would deny partial payments which we had to discover on the Closing Disclosure Doc. Morgage company threatened we could not close on time unless I signed that document as is, advising that we could instead probably recast the loan in payments of $ 10K+ for a fee of maybe up to {$600.00} depending on the terms of who they sold our loan to and whomever might repurchase it later. 
2. We requested the loan be held by my Trust rather than me individually. The Company had agreed but instead required me to hold the loan individually. This was not disclosed and only discovered at the closing in the final loan docs. Again, I was forced to accept this adverse, undisclosed change in order to move in on time even though they had confirmed that my trust could hold the mortgage after my attorney attested that my trust provided full power to buy and sell real property as required by their underwriters. 
I advised the Company of these failures and have had no response. Documentation of the above available upon request.
renewed collection dates are being reported on several accounts. I have disputed the accounts with the collection bureau. One in particular, XXXX reports that the debt is new as of XXXX/XXXX/XXXX, However, XXXX deleted from my report XXXX XXXX, XXXX XXXX XXXX {$1300.00}. XXXX shows the first date of delinquency XXXX/XXXX/XXXX. When a credit report is pulled this debt is reporting as delinquent on XXXX/XXXX/XXXX. I have attached the dispute that now reflects removal of the debt in XXXX. But is still showing the debt delinquent on XXXX/XXXX/XXXX. I have attached the dispute showing removal date updated and not the reporting date.
Submitted a fraud dispute. Company called and said they were denying my fraud dispute after the representative said " let me look at which fraud dispute we are talking about. '' First reason, XXXX disputes over the past two years. As if being a victim of fraud was my fault. 
Second reason, multiple disputes at the same merchant. Which merchant? 
Is it my concern if fraudsters go to the same establishment? 
Last " you admitted to setting up a pin number. '' Never did, and last, this is a huge disrespect and great lack of customer service. 

I have requested my account be closed.
On XX/XX/XXXX Coinbase started charging my bank account through my debit card multiple times for old transactions. I was put several hundred dollars in debt and can no longer pay my bills. They refunded some of the charges but not all, and I still have a ludicrous amount of courtesy pay charges thanks to this behavior. This kept happening following the next day and is still happening today.
XX/XX/XXXX - letter sent certified mail disputing accuracy of item XX/XX/XXXX - letter signed for by Experian XX/XX/XXXX - account was not marked with dispute
pnc charged me {$100.00} non-sufficient fund fee. during the first overdraft, pnc never informed me that i need to keep a high balance and the merchant will re-attempt the charge. if they told me about that, i would certainly keep the balance to prevent overdraft. when i called pnc, representative was not able to solve the problem and even cut off and trying to hung up the call. i called again,  representative said someone will get back to me within 24-48 h ours, but no one has ever contacted me after that. i am request a refund of {$100.00}.
On XXXX I got my yearly free credit report from all XXXX credit reporting agencies. On XXXX, I went online to dispute some information. Experian website says that when you get your free credit report, it is available online for 30 days. I was able to log on and dispute some items I noticed. However, I noticed that there was a fraud alert placed on my account on XXXX, which I never placed on that date, considering that 's the first time I viewed my report thoroughly. However, I did place a permanent fraud alert last year, and since then, I have had over XXXX hard inquiries on my credit report that I did not authorize, and many, many accounts opened in my name. Experian wo n't let me dispute the inquiries, and tells me to call a number, where I get an automated response, with no option to speak to a real person. I logged off the website, because I was at work when I did this, and tried to log back in about 2 hours later. Lo and behold, they could not find me in their system, and it stated that I had to " Send the letter provided below so that we can accurately identify you are really who you say you are ''. This is absolutely ridiculous. Also, I have over XXXX hard inquiries on my report from Experian themselves. Since when does a credit reporting agency pull a hard inquiry, when they have access to everything anyway? No wonder my credit score from this company is so low. They 're lowering my credit score by pulling hard inquiries that I did n't authorize, over and over and over again. I 'm also extremely upset that they have allowed so many inquiries to go on my report when I placed a permanent fraud alert a year ago. Of course, I do n't have any documents to upload, because they wo n't let me into my account.
I have an auto loan with Ally Financial. They are over charging me for interest, my loan states 12 %, but some months they charge about 60 %. They are not crediting my account correctly. They are stating i owe 3 months. I showed them i paid it accordingly, maybe a bit late but paid. They are crediting wrong months. I got an extention XX/XX/XXXX, pushing a payment to the end of loan. They asked me to pay a certain amount XX/XX/XXXX then balance XX/XX/XXXX. I did that as agreed, they now tell me i did n't pay either month. I paid 2 months in XX/XX/XXXX, they said i only paid one month, stating one was returned, it was n't. They send me threatening letters if i do n't pay they will take action. They are charging me late fees because they are crediting my account incorrectly, just a way to collect more money. They are reporting to my credit reports incorrectly. They called me on holidays and days i specified them not not to, they called me at work. They said they can calll to collect whenever they want even at inconvient times
Called over four times a day. Hung up when my spouse answered. Repeatedly asked them for information and refused to provide or send information.
I have a student loan held by Key Bank which until recently has been serviced by XXXX XXXX. With the merger of XXXX XXXX and XXXX, management of my loan was released to XXXX XXXX. Within a month of the transition XXXX permanently raised my monthly payment without explanation or disclosure of the financial impact. I contacted XXXX for explanation of the change and full disclosure of adjusted terms of the loan. Customer service was only able to suggest that there had been an interest rate change which XXXX XXXX had for some reason chosen not to process which would now be applied by XXXX. No disclosure of the impact of this change, either monthly or in the life of the loan, was offered or provided. This is basic information. It is very clear that XXXX would prefer to raise rates without explanation and at their own discretion.
Equifax has been non-compliant with removing the unverified account DISCOVER BANK Date opened XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that DISCOVER BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Hello! 

Re : Lender XXXX XXXX formerly XXXX XXXX Loan # XXXX I am writing you this letter of complaint in respond to the recent letter received from OCWEN under CFPB Case # : XXXX. 

After a careful review of the said letter, I realized that the bank that I should need to question should be XXXX XXXX. 

The moment I read the copy of the Fixed/Adjustable Rate Notice, I/we ( my husband ) were in total shocked! 

I recall XXXX calling us all the time and later convinced us to sign up for a great fixed second mortgage loan in which we later on decided to it with payments of at least {$600.00} or so each month. 

However, it was only agreed based on a fixed rate, not adjustable or it will not be entertained - for both 1st and 2nd mortgage. There was no way for any lenders to convince us on switching our fixed rate into adjustable, period! Otherwise, we believe the letter is not true! 

Also, Id like to know the previous name of the lender with the loan # before XXXX took over as I believe that our original interest rate was roughly 4.5-4.99 % fixed for 30 years ( home mortgage loan ). 

We acknowledge the signatures, but we have not seen this letter nor would have signed/approved for it! 

Again, we purchased our house at {$210000.00} in the year of XXXX. 

The letter from XXXX Bank was dated back in XX/XX/XXXX. Therefore, we would like to request them to send us all copies on how they came up with the {$340000.00} from the original/initial purchase at {$210000.00}, that is a difference of {$120000.00} plus the second mortgage loan of at least $ 60K or so? 

So my questions is, where did the money go? We didnt we see any money that was issued or deposited to our bank for over $ 100k? I need to see a deposit amounting the difference, copies of the checks and what bank it was deposited to? So we would like to know how they have acquired the amount of {$340000.00}, plus the second mortgage? That is a lot of money for us to borrow and why would we need that in the first place? 

Now, we need to see all the breakdown and calculations for both 1st and second mortgage, including : 1. 1st and 2nd mortgage payment LEDGERS, 2. Bank name we use to pay the 1st and 2nd mortgage so we can check them against our our bank for facts and proof. 
3. Copies of all loaned money showing the check # and which back it was cleared under? 
4. Full detail explaining on how the total from@XXXX went up to {$340000.00} in addition to the 2nd loan mortgage??? 
5. And all other facts proof of all the entire calculations from day one since you took over! 

Sincerely, XXXX XXXX
XXXX Reported a Account to the credit bureau stating an account was opened up on XX/XX/XXXX. This is a secured card I never opened with a balance of {$4900.00} I didnt open this card. The first time I called regarding this matter I was told the account would be removed. It never was. Then I contacted them more than 5 times. Most recently in XX/XX/XXXX. I provided all detail I could pricing I never opened the account. The account cant even be opened unless a person is a military spouse or military member. I am neither. I wasnt even living in the state where the card was mailed. Its fraudulent and XXXX. Refused to help and constantly lies. They have never requested documents from me. I filed a police report and a complaint with FTC regarding fraud. When I call XXXX you cant speak directly with the fraud department I have to always speak to a Customer Service Specialist and I have to repeat the same complaint over and over. They wont remove it from my credit report or dispute the transactions that were made by whoever opened the card.
There is an account listed that is not mine reporting as a Collection # XXXX original creditor the XXXX XXXX for {$5300.00} This is unknown and no such debt or account was taken. There is no way this company verified or validated anything.
XXXX  {$10000.00}  Santander Auto Loan sa ys I owe Dispute after dispute after dispute to no avail ...   Contacted the Better Business Bureau and reported incident Reported  to The Attorney Generals Office and told entire story Called Santander  XXXX . Talked to a representative that assured me this would be rectified and taken off my report, but failed to do so.
Equifax has refused to release my credit report via annual credit report, XXXX XXXX, and other credit monitoring sites. I have no way of tracking it and seeing what is inaccurate on there. This is not right and needs to be taken care of. At first I thought there was a fraud alert so I sent in a letter to remove it but it still is blocked.