WillisBack/dataset-financial-user-claim huggingface dataset:
Our mortgage was transferred from XXXX XXXX to Shellpoint Mortgage Servicing effective XXXX XXXX, XXXX. Our property taxes and homeowner 's insurance are paid via escrow. Under the terms of our mortgage, Shellpoint is contractually obligated to timely pay both the homeowner 's insurance and property taxes. As part of the mortgage transfer, XXXX did not receive the property tax bill from the Town of XXXX, CT so I provided a copy of the tax bill immediately once the loan was activated in Shellpoint 's system ( on XXXX XXXX, XXXX ) and subsequently called multiple times to inquire regarding payment status and ensure that the first payment of our property taxes would be paid by XXXX XXXX, XXXX ( they were actually due on XXXX XXXX, XXXX and should have been paid in conjunction with the transfer of our mortgage ). I followed up with multiple phone calls on payment status and received repeated assurances from Shellpoint that the taxes would be paid by XXXX XXXX. I also continued to monitor our escrow balance at the end of XXXX and in early XXXX, noting that the escrow balance on our account never decreased, which indicated that no tax payment was ever made by Shellpoint. 

On XXXX XXXX, we received a late notice from the Town of XXXX, CT, indicating the the taxes still had not been paid and assessing late payment interest, despite Shellpoint 's repeated assurances to that effect. We immediately contacted Shellpoint to complain and make sure the taxes were remitted immediately. After several phone calls on XXXX XXXX, we were finally able to secure a commitment that the tax payment ( plus interest charges ) were going to be paid and sent out for overnight delivery to the Town of XXXX, CT XXXX Collector via XXXX. It is now XXXX XXXX and the tax payment still has not been received by the Town of XXXX, CT Tax Collector. I called Shellpoint again today and the response I received from the Customer Service Supervisor was that " they will contact the Shellpoint Tax Department to determine what happened. '' This is completely unacceptable and in violation of the terms of our mortgage agreement. Shellpoint is legally obligated to pay our property taxes on a timely basis and it has failed to do so. 

To make matters worse, during today 's call with the Customer Service Supervisor, I also had to instruct Shellpoint to fix the payment date for our second property tax payment. Shellpoint had the payment scheduled for XXXX XXXX, XXXX when, in fact, the real estate tax bill they have on file clearly indicates that the second payment is due on XXXX XXXX, XXXX. Given the issues with our property taxes thus far, we have no confidence whatsoever that our XXXX XXXX property tax payment or next year 's homeowner 's insurance payment will be made timely by Shellpoint.
Hi CFPB! My names is XXXX XXXX. I have a problem about Esrow Funds with Hallmark Home Mortgage, LLC XXXX XXXX XXXX, XXXX XXXX IN XXXX. They are keep the amount is {$1100.00} and tell me they will refund when the yard at house done ... but since it done they just sent me back {$1000.00} because of the inspection cost {$130.00}. Nobody tell me i need to pay for the inspection. When i call XXXX XXXX ( work for Hallmark home mortgage ) said i was signed on the escrow agreement at closing date on XX/XX/2018. The reason I complaint is  because i have no time to read the escrow agreement on closing day. I would like to have the escrow agreement some days before i need to sign so i will understand it. I would like to have {$130.00} back because I didnt know ... I would love CFPB help for that issue ... thanks so much ... please contact me at XXXX!!!
XXXX XXXX XXXX XXXX is the current creditor for a XXXX XXXX account. The total amount of the debt was {$1000.00}. On XX/XX/2018 I called XXXX XXXX and spoke with a supervisor named XXXX XXXX. He told me more than once we were on a recorded line. We agreed to a settlement in full amount of {$520.00}. I asked him to email me this information before I agree to it. He explained he couldn't for security reasons. He went on to say I would receive this agreement via the US mail system and another notice saying it was settled in full once the {$520.00} was paid. I haven't received either one. He also said my credit report would say settled in full. Again he said I had nothing to worry about as we were on a recorded line. I agreed to the {$520.00} which was paid on XX/XX/2018 as agreed settled in full. My XXXX credit report shows my payment but still shows I have a balance due of {$520.00}. This balance due needs to be removed and show settled in full and I need to receive the notice my debt is settled. I filed a dispute with XXXX with no resolution.
I have an auto loan with ally auto. my XXXX 2015 loan payment was processed as a principal only payment, they then sent me a late notice and a notice of intent to report negative information to credit bureaus. they also deducted a finance charge of {$79.00} from the payment, as they do for my regular monthly payments. while trying to rectify the situation they stated that the whole of the XX/XX/XXXX payment was applied to my unpaid balance and that they were going to adjust the balance and take a finance charge. I pointed out to them that I was looking at my payment history and that a finance charge was already deducted from the payment. so far I have not got a fair resolution to this problem. lastly they applied a {$13.00} late fee to my account.
PenFed The credit card company fails to withdraw funds automatically. The system changes within the company as stated by the agent over the phone suggests internal system issues. However, the company keeps charging delinquent fees to the account even after I make a over the phone payment with the agent. {$25.00} fee charged, automatic payment reversed and now the minimum payment has tripled. 

PenFed continues to not respond to e-mails, not file disputes, does not follow up on promises, does not withdraw funds from automatic payments. 

The internal challenges of poor communication with customers, systems that fail to process payments, and invalid billing/websites are causing a massive burden to me as a consumer. I have to literally manage this account as a full-time job, If I do n't audit the account I find many charges that are without proper information or explanation. The company is only nice when it attempts to collect payments but when it comes to managing customer experience lacks any empathy or understanding. 

It seems like they are happy to lend but unable to manage transactions, provide proper dispute process or work through their internal partnerships with a third party lender XXXX XXXX XXXX.
Within the past few weeks, I have sent two separate letters to Portfolio Recovery Associates asking them to validate a collection they have reported to the three main credit reporting agencies as belonging to myself. In both instances, I have asked for proof of this account supposedly belonging to myself by sending copies of the alleged SIGNED CONTRACT between myself and the original creditor. 

Portfolio Recovery Associates has ignored my repeated requests and simply sent bills. A bill is not what I have requested. 

I am requesting that Portfolio Recovery Associates send proof that the alleged account belongs to me by sending THE ORIGINAL SIGNED CONTRACT or have it deleted from my consumer report by contacting the three major credit agencies they have reported it to. 

Portfolio Recovery Associates has a history of using illegal tactics and also has several lawsuits filed against them already. I will not hesitate to follow suit. 

I have a legal right to see a copy of the SIGNED CONTRACT WITH THE ORIGINAL LENDER and I am demanding to see that. 

The legal burden of proof requires at least a copy of the contract signed with the original company when this credit card was supposedly accepted, and it's the collector 's burden of proof to produce it. 

Portfolio Recovery must show a SIGNED CONTRACT or delete this collection account from my credit report with all three of the credit reporting agencies.
I had an FHA mortgage that was paid in full on XX/XX/XXXX with Ocwen Loan Servicing. In the payoff quote to the title company, Ocwen Loan Servicing included a full month of interest for XX/XX/XXXX when the loan was paid in full on XXXX XXXX. I waited patiently for over a month for a refund of both my extra month Mortgage Insurance premium, the escrow account funds, and the extra month of interest that was paid @ closing. I also had not received a notice that the mortgage was paid in full, but Ocwen received the funds on XXXX XXXX per my Title company. On XX/XX/XXXX I called to inquire and was told that it would go for research and it would take 2 weeks. A few days later I received a notice giving a breakdown of the escrow account and was told the Mortgage Ins. premium had to be paid for a full month because it was an " agency loan '' and it 's not prorated and a check for the net escrow account was included. I waited the full 2 weeks before calling again on XXXX XXXX about the extra mortgage interest that they collected @ closing for 28 days more than was needed. Again, I was told it was an agency loan and that 's just how it was. I asked for the call to be escalated to management and it was and I was told by the escalation dept. that they would research and contact me in about 2 weeks. I waited 3 weeks and heard nothing so I called again today, XXXX XXXX and was told that there was no refund coming. I informed them of the HUD notice XXXX released XX/XX/XXXX by HUD stating that FHA announced that borrowers who prepay their FHA-insured mortgages will NOT have to make interest payments beyond the date their mortgage is paid in full. FHA 's rule applies for FHA -insured mortgages closed on or after XX/XX/XXXX. This rule explicitly prohibits lenders from charging borrower post settlement interest, which is broadly defined as a " prepayment penalty '' by the Consumer Financial Protection Bureau., for all FHA Single Family mortgage products and programs. I gave the Ocwen the HUD notice number and read the above notice and told them as Lenders they are required to keep abreast of changes that affect their industry. I 'm sure thousands of FHA mortgages paid this year with Ocwen have had the extra interest collected against this policy. I was asked to write a complaint letter and attach the supporting evidence. I told Ocwen that they should have a supervisor check into the new HUD guideline and refund my overpayment of interest in the amount of {$400.00} + interest to me as soon as possible, and that a complaint with the CFPB would be made. This is a rip off of mass proportion as it 's been going on for 5 months so far on the thousands of FHA mortgages they 've done payoffs for this year and continue to incorrectly quote payoff figures.
Discover credit card asked me to send a physical copy of my social security number despite me having uploaded it a clearly legible one online. They closed my account when I did not send it. They didnt explain why they need multiple copies. 
They are also keeping the digital copy of my social security card on their servers for 5 years, despite having closed my account.
National credit systems Inc placed an collection account on my credit file XX/XX/XXXX for the amount of {$500.00} disputed with company in XXXX of XXXX and they have refused to remove information from my credit file
Between XX/XX/XXXX and XX/XX/XXXX I filed a mortgage modification for my first mortgage. As my loan transferred from XXXX XXXX to Chase Bank for servicing, I was advised by the modification department of Chase Bank not to make any payments while the loan was going through the modification process. I was very uncomfortable with this arrangement, especially after receiving multiple letters concerning possible foreclosure. I called the modification each time I received XXXX of these letters. Throughout the three year process, I was contacted fairly frequently by many modification agents to have the information packet updated but ALL told me to save the money and not to make any payments until a decision was made. Whenever, I found an agent who would accept the payment, I made multiple payments. 

Since my I received the denial of mortgage modification in XX/XX/XXXX, I began making timely payments. In an effort to refinance my mortgage, I have asked Chase Bank to remove all the late payments from my credit report since they told me not to make any payments during the modification process. I have made this request repeatedly over the past three years. To-date Chase Bank continues to report that they have no agents that were telling consumers not to make payments during the modification process. I asked them to research the fact that I was probably late on my mortgage once before and after the modification process. I have also reported this problem to XXXX XXXX the owner of the loan but to date there has not been any resolution.
I was granted by a XXXX Bank a credit card sometime in year XXXX. With a covered protection plan. However, During the same year I lost my job due to XXXX at work and got layed-off. I informed the XXXX Bank of my situations and asked them to apply my protection plan. Then, I never heard from them. And on XXXX I received a summoned to appear in court and I found out that my account was sold out to First Resolution investment. It was Handled by XXXX XXXX with postal address at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX. I was n't able to attend the hearing XXXX as the result of the XXXX. And was n't able to review the material facts as a result. Worse, I only have XXXX and the right totally XXXX. And XXXX was advisable for me anymore. Except XXXX w/o a guaranteed result and I ca n't afford. I learned from some that my account might already run-out of status from the last time I made a payment to the XXXX Bank. And the said bank was sued for the same reasons for defrauding their customer with the added Protection plan by the Court in the State of California in year XXXX. In which I was not aware until I found out in the internet recently. Atty. XXXX XXXX had garnished my salary and took 25 % of it in XXXX to XXXX until I was layed-off. Collecting more or less {$2000.00} USD from my employer XXXX XXXX. Now, I am XXXX with progressing XXXX is getting bad. But, Atty. XXXX XXXX want me to pay them {$10000.00} after taking more or less {$2000.00} from my pay. The First Resolution Investment never gave me any last statement from the XXXX Bank. I am appealing for your Good office to help me with my situation. By getting the Information from the New account holder. As the First Resolution investment no longer exist. But, a new Debt collection took over all the files from the Debt Buyer who bought my account from the XXXX bank. Atty. XXXX XXXX never inform me that the First resolution Investment was already dissolved and he is still representing the First Resolution investment to enforce the collection of debt. By adding more attorneys fee 's ETC to balloon my balance of debt. Even those New credit cards are giving their new customers Interest free for XXXX months. I am unemployed with a XXXX children too. I hope your good office will help me shed light the matter. This an old debt and the status of limitation was overlooked. and all the statement from the XXXX bank will proved that they have been taking monthly payment for Protection plan from me. the reason the California Supreme Court had slap a XXXX millions fine at the XXXX Bank. And I was one of the victim. Hoping to hear from your good office sooner or later.
I ASKED BEFORE CASHING A CHECK THAT IT BE VERIFIED AND WAS TOLD IT WAS GOOD. IN FACT IT WAS N'T AND NOW I AM BEING PENALIZED AS OWING AND REPORTED TO XXXX.
I had a few late pays in XX/XX/XXXX and incurred late fees, but brought my loan current in XX/XX/XXXX. I have paid on time every month since XX/XX/XXXX, but XXXX XXXX posted my monthly payment incorrectly back in XX/XX/XXXX and still haven't corrected the problem even though I have spoken with them at least six or seven times and was assured that the money would be reallocated and posted correctly in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. They harass me at least five times a day - saying it is important that I return the call. Every time I call or answer their call, they assure me that the problem will be corrected. It hasn't been and I'm tired of wasting my time talking to them. When I answer their call, they state " do you realize you are XX days late on your payment? '' I ask them to look at the notes from the previous caller and then they apologize and state they will put another request in to reallocate my funds to my payment. I ask them to make sure to remove any late charges that they have been charging me, and the caller states " once the funds are reallocated, they can remove the late charges. '' Neither has been corrected. I want this to be resolved and the calls to stop, PLEASE!
My wife and I applied for a mortgage with TD bank. After 12 days they had not processed our application or scheduled an appraisal of the property. After calling repeatedly I was finally informed that the credit card my wife gave them for the appraisal fee was expired ( It 's a brand new card expiring in 2020 ) I gave them my credit card number instead which was quickly charged {$430.00} for the appraisal. On XXXX XXXX after calling several times I finally received a letter of conditional approval with a " to-do '' list with a due date for everything of XXXX XXXX. After another week the appraisal had still not been scheduled nor had we seen any progress of the application being processed. We decided to start working with another mortgage company because of the lack of progress from TD. I promptly informed our mortgage officer and mortgage processor at TD that we would be withdrawing our application with them and that I wanted to be refunded the appraisal fee because the appraisal had not been carried out or even scheduled. They assured me that it would be refunded. It has now been ten days and I have not yet been refunded.
Recently, I have been making attempts to be better my credit because I am graduating college and will soon be out on my own. In the past month I have paid off over {$1600.00} in debt, by working and saving money. When reviewing my financials I noticed that on the credit site, XXXX I had an account in collections, ( XXXX XXXX XXXX ) " original creditor XXXX XXXX '' .I am confused about this being on my credit report when I signed no contracts with this company and never received any communications from this company, saying if they bought my debt or why this is on my credit report. It says the account was opened XXXX, XXXX 2017 and I owe {$940.00}.
On Monday, XX/XX/XXXX I called to apply for a Bank of America Merrill+ Visa credit card and was told that my application required further review. I called later that day to follow-up and see if I could speak to someone about the application and they went through all of the disclosures over the phone and said I was approved for a {$5000.00} credit limit. I asked to move over {$7000.00} from an existing credit card account to increase the new credit card limit to {$12000.00} and that request was also processed. I saw the new credit card appear in my online banking list the next day and I was told that the card would be mailed out immediately. Two days later, I get a call from Bank of America to tell me that the credit card was no longer approved and that they were closing the account. I was confused because I was told that the application was approved and was given the credit limit. The manager XXXX XXXX went on and tried to explain that the application should not have been approved because I had enough Bank of America credit cards. I offered to close one of them in exchange for leaving the new Merrill+ card intact. I had not violated any of the terms and conditions of the offer of credit or even had a chance to use the new credit card, so it 's unclear if the justification that Bank of America provided for closing the account is sound or even legal. The application reference number is : XXXX
Identity theft fraud credit inquiries XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX No date 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
TransUnion File # XXXX XX/XX/2018 Transunion has Club Subscription Activity on my file as XXXX XXXX XXXX XXXX and I have never requested and opt out of promotional as well I never applied or requested XXXX XXXX XXXX. Please provide documents of such with my name and signature as stated on my credit file by TransUnion
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My Date of birth is XXXX. 
I have addresses on my report that do not belong to me and are not mine. They are inaccurate. Please remove delete that following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NC, XXXX XXXX XXXX, XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX   XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX
I 'm being repeatedly called by XXXX XXXX XXXX about a debt that I do not owe.
I have two loans that were serviced by XXXX/XXXX XXXX. Both loans are paid and full as they were transferred to a new lender XXXX XXXX and currently XXXX. My credit report shows 180 days past due and 120+ missed payments for two account which has a great affect on my credit score thus far. During the time of the missed payments I was not only enrolled in school at XXXX College, but my loans were no longer being serviced by XXXX XXXX. The missed payment dates that are listed on my report for accounts start at XX/XX/XXXX - XX/XX/XXXX for both accounts.
I recently received a notice from Chase Mortgage Company that my escrow account was low and my mortgage payment would be increased to cover the shortfall. When I inspected the escrow account I noticed I was being charged over $ XXXX/year for a " misc '' insurance coverage. Knowing that I made no such insurance commitment, I called Chase to find out and they informed me that the charge was for homeowners insurance with XXXX XXXX XXXX XXXX. Well, I already have such coverage with XXXX 's and called my agent to find out why I pay double for the same service. He was able to tell me that the account number that Chase applied actually belongs to my neighbor. In essence, I have been paying my neighbor 's homeowner 's insurance since XXXX 2015! 
I am concerned that Chase either purposefully tried to sneak money from me using the trusted escrow account or are totally inept at applying correct account numbers. Either way, I am furious, upset, and scared. What if I would never had checked my account? What other sneaky schemes are they using to steal more money from me? How can I ever trust them in the future? My confidence is way low. 
Chase Mortgage Co. bought my mortgage from the company who bought it from my original loan company. Too many exchanges like this is not a good practice and the homeowner has no voice in the matter. I totally dislike Chase.