WillisBack/dataset-financial-user-claim huggingface dataset:
Chase lien release complaint. 
We 've now spent well over six months battling with ChaseBank over their proper title lien position on our property. 
We ca n't refinance, sell our home, or even procure another equity loan at a lesser interest rate unless they do so. 
So far they have been nothing but obstinate and evasive, in regards to solving this issue. 
Chase has been paid, in full, by XXXX and we have proof of that. It now seems evident that Chase wo n't relinquish their erroneous first position lien as they can use it on their financial statements as an asset. 

Here is the acquisition of banks regarding our property : XXXX Inc acquired by : XXXX acquired by : XXXX acquired by : Washington Mutual acquired by : JP Morgan Chase XXXX paid off JP Morgan Chase in XXXX We now have a second lien which is our current mortgage held by XXXX. XXXX should actually be in 1st lien position since our 1st was paid off when we re-financed. 

Six months ago we filed an application with XXXX XXXX XXXX to procure a business equity line of credit. XXXX XXXX XXXX discovered that Chase still has a first lien upon our property that should have been released in XXXX. XXXX XXXX XXXX contacted them and requested the lien to be removed. XXXX XXXX XXXX has our signed limited power of attorney to make the request on our behalf. Chase bank told XXXX XXXX XXXX that no such lien existed and asked XXXX XXXX XXXX to prove that one did indeed exist. 

XXXX XXXX XXXX has had several months of correspondence with JP Morgan Chase. Chase would not move forward and so XXXX XXXX XXXX could n't move forward either and our request of an equity line of credit was denied. XXXX XXXX XXXX 's title department stated at this point it that we would need to request the lien release personally. 

On XXXX/XXXX/XXXX I called the Lien Release Department at Chase and asked them to provide a copy of the recorded Release of Lien. 

The Chase Lien Release Customer Research department finally admited that they had failed to release the first lien on our house in XXXX. 
At that point I was told that Chase does n't have a proper power of Attorney in order to file for the lien release Again here is the acquisition of banks regarding our property : XXXX acquired by : XXXX acquired by : XXXX acquired by : Washington Mutual acquired by : JP Morgan Chase XXXX paid off JP Morgan Chase in XXXX So essentially Chase is now trying to get a Power of Attorney, from themselves, so they can release the lien that they should have already released back in XXXX. 

As it has become obvious that Chase is purposely stalling the release of this lien on our property for there own gain ; we are asking that you grant us assistance in resolving this issue.
In XXXX I had XXXX and had to have a full XXXX. I was not able to work so I enrolled in college. In XXXX I took out a loan for {$1500.00} to cover the expense of college. After about six months I was not able to continue with my classes due to complications from the XXXX, so I dis-enrolled. I picked up small, odd jobs to try to pay the loan back. My physical complications progressed and got worse so I was not able to hold a job for many years. I have paid a significant amount of money on the loan throughout the years. They have transferred my loan to multiple companies many times, and each transfer I am expected to pay an absurd transfer fee. I am now a low income, XXXX year old on Social Security. Once I pay my bills I do not have enough money to provide for the special diet my doctor requires me to be on. Even after 36 years, and years of wage garnishment, I am expected to pay back {$10000.00}.
On  XXXX  -17 a t  XXXX , Florida  Branch of Chase JP Morgan bank, I need ed to wire transfer almost {$160000.00} from my checking account that I have had with  Chase JP Morgan ba nk to the  XXXX   XXXX   XXXX   ,   XXXX  located in  XXXX , Florida.   The transfer was performed quickly without any disturbance, however the problems appeared after I requested written confirmation for that transaction. The employee who performed the transfer (  XXXX   XXXX   XXXX   ) br ought the filled up form of Wire Transfer Outgoing Request but refused signing that confirmation. I was very surprised and asked why couldnt he signed that form. He told me that the rules dont let him. That made me even more surprised. After some painful conversation he went to the branc h manager asking for signature. She, ( the branch manager, a  lady who didnt even introduced herself, so I dont know her name ) signed that form.   However, when I asked her to sign the Service Confirmation form she refused telling me that the bank branch keeps all documents. Thats alright but I need that document in my records as well, I said. Still, she wouldnt sign that document. I was not able to understand what was the problem with signing that document by the manager or the employee who performed the money transfer. I strongly requested signing she kept refusing. She raised voice at me in public in the main area of the branch office. Many people witnessed that very ugly quarrel. Finally I was forced to give up and I left the branch without the signed document. I hope I dont need to explain how upset, insulted and humiliated I felt. And I still dont understand what was the reason for that lady to be so stubborn refusing signing the document given to customer. The document important to me  ( almost {$170000.00} ), which in nor mal business environment mustve been signed by a responsible party. If I had a little bit more time I would probably call police because her behavior looked very suspicious.   I have been your client for probably longer than 15 years. Was my request really something illegal or unusual? I have to say also that Ive never been treated in any business place like that written above.   The situation, which Ive described above brings impression that the Chase bank doesnt care much about its customers, because some of Banks employee miss the basic skills, neither training to deal with customers, act very unprofessionally ; having no idea how they need to treat the Banks customers.     The worst is that I still do not have idea why I had been exposed to all of that stress. Why the person, who made important work for the customer was so stubborn and rude and kept refusing to the end, signing that job was done properly. I can not believe that.
I disputed items on my credit report with TransUnion XXXX/XXXX/2016 via their online dispute portal. I received notice upon logging in to check status of my disputes that they needed additional time. I have reached out to them with no assistance regarding the fact that they have 30 days to investigate and either verify and/or delete items from my report. This is very distressing and they have been of XXXX help. I have also notified them of my taking steps to file a complaint with you.
Paid accounts, refinanced student loans shows as " closed accounts '' As I know closed accounts may negatively affect my credit health, so I am fighting to defend my reputation, I want TransUnion, XXXX, XXXX to DELETE all the paid and refinanced accounts to keep my reputation clean because I am serious about taking care of my credit.
I contacted XXXX to inquired about my account. I was under the assumption that I had a plus account. The representative advised me that I did not have the plus account and that I had a regular account. She advised me that there was no option for an upgrade on my account to get the plus account and that I would need to apply online for that account, which would be submitting another application for another card. She advised me that if I did reapply and got denied. She advised that I could call in and told them that I applied for the plus card and was denied, that I could the have my account reviewed and get upgraded to the plus card. So after applying and getting denied, I called back in to and was advised that the customer rep that I spoke to basically lied to me and that they are not able to review my account for the plus card. The customer service manager advised that they review the account but can not make any changes to it.
My credit reports are showing a {$1600.00} balance from XXXX Magistrate Court owed to XXXX XXXX in the public records section. The filing dates listed on the record vary between bureaus. XXXX lists the filing date asXX/XX/XXXX while Transunion lists the filing date asXX/XX/XXXX.
<P/>Aside from the varying dates listed, I do not understand why this judgment is showing up in its current state. Under O.C.G.A. 44-7-52., : ( a ) Except as provided in subsection ( c ) of this Code section, in an action for nonpayment of rent, the tenant shall be allowed to tender to the landlord, within seven days of the day the tenant was served with the summons pursuant to Code Section 44-7-51, all rents allegedly owed plus the cost of the dispossessory warrant. *Such a tender shall be a complete defense to the action ; * provided, however, that a landlord is required to accept such a tender from any individual tenant after the issuance of a dispossessory summons only once in any 12 month period. <P/>In this case, my former landlord did file a dispossessory against me, but it never proceeded to eviction. After our court appearance, the landlord and I actually made amends. He would corroborate this information. <P/>My landlord agreed to let me out of my lease, I tendered the outstanding rent + court costs, and even ended up receiving a check *back* from the landlord from the deposit I paid before moving in. I also believe his new tenants moved in the day after I was gone. In fact, a few months later we met again regarding me doing some XXXX and XXXX XXXX work for one of his other companies ( XXXX XXXX XXXX ). <P/>Judging by the appearance of this record on my credit reports, it looks like I skipped out on paying my landlord which is not the case. On the reports, there are 3 bullets for which nothing is listed. Those are : Date Verified Status Date Satisfied I am sure the bureaus scoring algorithm is proprietary, but my credit scores are not my main concern. Due to the blanks next to the aforementioned bullets, the appearance to potential future *employers*, landlords, creditors, or lenders is that this debt was never paid.
On XX/XX/XXXX, I asked my mortgage company ( RoundPoint Mortgage ) not to send a real estate tax check to the city of XXXX XXXX because I had already paid it. On XX/XX/XXXX, they acknowledged this and said my request was being processed and they would contact me if any additional information was needed. They never contacted me ( indicating they did n't need additional information. On XX/XX/XXXX, they sent a real estate tax check of {$4300.00} to the city of XXXX XXXX instead of following the acknowledged request not to do so. On XX/XX/XXXX, I filed a complaint through their online message system. On XX/XX/XXXX, they acknowledged receipt of the message and said they would forward it to the appropriate department. It has been 30 days since my complaint and my money is still missing ( not in my escrow account ). No other communication from RoundPoint has been made other than the email acknowledging my complaint on XX/XX/XXXX.
My name is XXXX XXXX XXXX Social is XXXX Checking account is with 5th 3rd bank Trying to close from last 3 months but they are not closing it. Have worst customer service.
At XXXX CA time on XX/XX/2018 I got a call from a US Bank rep asking me if I had submitted a credit card application with address=XXXX XXXX XXXX , XXXX XXXX , CA XXXX. I told her no and that I had not lived at that address for over 35 years! She also said the phone number listed on the application was a different phone number than the one she was calling me at. She then said the credit card application was denied and a fraud investigation would begin. It didn't! At XXXX on XX/XX/2018 I called US Bank fraud dept at XXXX and the rep took my correct mailing address, phone number and email address and said an investigator would call me. No one did! 
To my surprise and horror, I received an alert on XX/XX/2018 from XXXX XXXX XXXX credit monitoring stating that a credit card application was approved by US bank and that {$250.00} had been charged on that account which was being " investigated. '' HOW COULD THAT HAVE HAPPENED? 
Doesn't the bank have to verify the credit card applicant 's correct mailing address and phone number before approving the card application? Both address and phone on the application were wrong, yet it was approved! 
Doesn't the bank issuing the card need some other form of ID like a CA Driver 's license number and expiration date? A bank or credit card held by the applicant? 
-- >NONE OF THE ABOVE WERE PROVIDED. 
Also, three Fraud US Bank reps I spoke to promised to relay the information I provided to XXXX the investigator, but she told me today on the phone that no one had provided her any information on this case. Finally, when you call the number to report fraud on US Bank website [ https : //www.usbank.com/XXXX  ] which is XXXX, and after a long hold, a rep has to transfer you to another number/department and you are then put on hold for over 1 hour! They not only don't list the correct number but they are so short of legitimate Fraud reps that the victim can't get through on the phone! US Bank should be penalized for the above negligence and irresponsible conduct!
I am trying to pay this loan off as Details were very misleading when applying. I pay {$300.00} plus dollars a momth and I have paid less than {$50.00} to the original loan amount. When trying to pay what they deem the payoff amount I can not make payment nor reach someone in customer service. While all along interest accrues daily. This was by far XXXX of the worst financial moves I have ever made. There are hundreds of complaints against this company. I would like to pay off this loan and NEVER hear from this crooked thieving company again. I have lost my childs medical insurance. Had utilities turned off, all due to the financial strain this bogus loan has caused me. They are the worst kind of predators I have encountered.
Debt was originally incurred in XXXX or earlier over 14 years ago. This collection agency claims they acquired the debt in XXXX at which time the debt would have been over 10 years old. Statute of limitations has expired. I do not owe this debt to Citi Bank!
I was told I had defaulted on my private loan with navient and I was in discussion with the loan recovery department. I spoke with a XXXX XXXX XXXX several times, in which I still have voice mails from, and she informed me that the only option I had was to pay a {$1000.00} down payment. Once that was paid I would be able to enter a repayment plan for either {$50.00} or {$100.00} each month. I proceeded to pay on the {$1000.00} payment and I was informed I could start my {$100.00} payments beginning in XX/XX/XXXX. Once XX/XX/XXXX came, I could n't no longer get in contact with XXXX XXXX XXXX and they said she had left the company. Now I was in talks with a gentleman named XXXX, whom said I could still begin my payments. So we setup the automatic drafts from my checking account. Now, on several occasions he continually told me my payments were being returned from my bank but my bank was telling me that there were no signs of the payments coming through. I would inform navient of that and at that point navient would send the payment again and it would be approved by my bank. Well my last payment was shown approved on my navient account but navient said it was sent back and my account is being sent to a collection agency now. I honestly feel my payments were tampered with on purpose and I never received the opportunity to properly start my repayment plan. I understand that the loan was in default but I honestly was trying to repay in the best possible way I could. I have my payment records which show I was starting to make regular payments and I stayed in contact with navient but it never seemed like they were interested in helping. I honestly want my loan to be brought of default status or at least be allowed to make the payment arrangements. If you all can help in anyway, I will greatly appreciate it. Thanks
This used to be " America 's most convenient bank ''. Not anymore. They blocked my access to my account online without any prior notice. They then said the only way to unblock it is via a text message. I am XXXX, like many folks my age, I rarely use text messages. Also, I have two phones and they would only send the access code/text message to my phone number ending in XXXX even though I was carrying my phone with the number ending in XXXX that day. Telling them this fell of deaf ears. So the next day I took my XXXX phone with me and called them again. This time their representative said they could only send the new code to the XXXX but not the XXXX number and she refused to give me the new code over the phone even though I answered all her security questions correctly. So the next day i took the XXXX phone with me specifically so i could get the texted code and the representative said she can only text it to the XXXX number. When I asked for a supervisor I was left on hold for a half hour waiting. Finally when I spoke to the supervisor I answered more security questions and she then assured me the account was unblocked. Then when I went back online the account wasn't unblocked and I had to go through the text message thing all over again. Then when I was finally able to access my account online, five minutes later it it bounced me out stating it was due to " inactivity '' even though there was no inactivity and I was in the process of scheduling a payment when I got bounced out. They need to hire competent tech people like they used to have.
XXXX XXXX, XX/XX/2015I would like to file a complaint against NationStar Mortgage. They refuse to consider modify loan, that I now believe was inappropriate to begin with. I have been trying to get this loan modified for several years. The only reason they will not even consider modifying the loan is because I am not delinquent. If I can not get any assistance, I will become delinquent. I do not want to ruin my credit or become delinquent on the debt. 
When I purchased my home as my primary residence, I was put into an interest only commercial loan by Aurora Mortgage ( now Nation Star ) for 80 % of the loan amount. The interest rate was XXXX. In addition, there was a XXXX mortgage with XXXX Mortgage at a rate of 7.5 %. In XXXX of this year my loan will change from Interest only to Principal and Interest. I will not be able to afford this loan. In fact, I know believe it was inappropriate to put me in a commercial loan for my primary residence, especially since I have excellent credit. I was sold on this loan not really knowing what and why? 
Over the past several years, I have attempted to get these loans modified. I was told several times that no one would talk to me because I was not delinquent. In addition, it seems I am not eligible for a XXXX because it 's a commercial loan. 
I have tried everything to avoid damaging my credit and losing the property. Since I could not get the loan modified or refinanced, a few years ago, I rented the property and moved with family. The rental income covers the interest only loans, but will not cover the principal and interest payment amounts. I continued to try to get the loan modified to no avail. It was my hope to modify the loans and return to my home. 
When the loan was approved, it was based upon my stellar credit and my household income including my income and the income of my husband. I was told I could refinance this loan. In trying to modify these loans, I have had nothing but trouble because I have never made a late payment. In addition, I am now going through a divorce and my household income is reduced, however, I maintain my stellar credit. I am unable to refinance the loans because the value of the property is less than the loan amount. This is my last effort to try and get some help to modify these loans. I am in a situation at this point that if this modification does n't happen I will be forced to walk away from the home completely and allow the property to go into foreclosure. I know I can pay the modified mortgage amount as agreed. 
I keep getting the run around by rude people that stops my process of saving this house. I would like to modify it so I can move back into my home. I need help, quickly and I am resorting to you as I do n't know what else to do. 
RespectfullyXXXX
I have not done business with this company, i have not signed any papers with them, nor do i owe them any money. These results are incorrect and need to be removed immediately. Ive asked them for documentation i.e., documents with my signature, and validation that they can collect any debt based on this no response. Ive also disputed this with the bureaus and they reported that the debt has been verified but thats not true! Please help
On XX/XX/XXXX and XX/XX/XXXX Experian received copies of police reports regarding accounts that were established without my knowledge due to identity theft in addition. On XX/XX/XXXX Experian received notarized affidavits, police reports, identity theft reports, and other documentation supporting my claim. Experian has violated the FCRA practice by no blocking fraudulent accounts within the 4 day time period allowed. Experian has also failed to provide any validation of the accounts that are in question.
A dispute was initiated with Equifax in  XXXX / XXXX / 2017 . I received notification on  XXXX / XXXX / 2017  that the investigation had been completed. On  XXXX / XXXX / 2017  a weekly  XXXX   XXXX  update took place and it stated that  XXXX  derogatory marks were removed ( judgement & bankruptcy ) then it stated that a derogatory remark was added ( bankruptcy ). Per the notes it showed where Equifax had removed the bankruptcy that was previously disputed, but turned around and added it right back, which caused a negative impact on my credit score. I contacted Equifax on  XXXX / XXXX / 2017 , and was on the phone for over an hour with several different representatives and received no help and no resolution to my issue. I was continuously advised that their systems did not show where the bankruptcy was removed, and that they did not know how or why it was reporting as so on  XXXX   XXXX . At the end of the day the derogatory remark is still on my credit file and I have been penalized twice because when it initially hit my score went down then when they removed it and placed it back it received another hit.
Debt collector does not hold a current surety bond registered with the XXXX Of Texas. Debt collector was notified on XX/XX/XXXX, via email and certified return receipt requested through the USPS. Was asked to validate debt and until debt could be validated, asked to remove the debt from my credit report immediately. Debt collector has not responded via mail or email and is in direct violation of willful non compliance according to the FCRA and has violated the FDCPA by not validating debt and is subject to possible litigation to seek relief from violating these acts. Each independent violation is subject to a {$1000.00} fine, payable to me.
As I just stated in an email I sent to Bank of America customer service ( and which I also plan to articulate in a letter I'll be snail-mailing to BofA Chairman and CEO XXXX XXXX ), " As a patriotic American citizen, NRA Life Member and law-abiding XXXX owner, it disgusts me that a bank that calls itself " Bank of America '' is taking such deliberate and blatant actions to XXXX over legitimate firearms-related businesses and thus utterly disrespect the U.S. Constitution ... the fact that you dare to continue to call yourselves " Bank of America '' is a grave insult to real Americans. I have been a BofA customer on-and-off since XX/XX/1993, but it is now time for this business relationship to end, as I have no desire to be a customer of an entity that disrespect me and my fellow XXXX owners and tramples upon my rights. Please cancel my Bank of America credit card effective immediately. 

Sincerely, XXXX XXXX XXXX