WillisBack/dataset-financial-user-claim huggingface dataset:
PHH Mortgage of XXXX. XXXX, NJ had stated that they sent a check for an escrow overage. I never received the check from PHH. I contacted PHH a few weeks after I did not receive the check and they stated they would have a new check issued. I waited another 14 days and contacted PHH again. At that time PHH told me my loan was paid off, it was not paid off as my loan was just opened a year ago. I told PHH that my loan was still open and that I wanted my escrow disbursement. PHH then told me that the check sent for the escrow overage was " cashed. '' I stated that I did not cash the check. PHH then told me they would send me a copy of the cashed check in 7-10 days. After not received the supposed  cashed check I contacted PHH again. PHH again stated that they would send the cashed check. I have not received the cashed check or the check that was not cashed. They have been a nightmare to work with.
Facing foreclosure on XX/XX/XXXX. For over a month I have tried to obtain proper payoff & reinstatement quotes from Wells Fargo. Wells Fargo continues to delay, obstruct, and not answer pertinent questions to make the either the payoff or reinstatement.

As of today, XX/XX/XXXX I have no valid payoff / reinstatement quotes for a XX/XX/XXXX foreclosure date.

This is common as I received the attached XX/XX/XXXX payoff / reinstatement quotes via email on XX/XX/XXXX at XXXX with a good thru date of XX/XX/XXXX XXXX.

I specifically asked Wells Fargo the below question on CFPB complaint # XXXX, and Wells Fargo specifically refused to answer in their XX/XX/XXXX response ( attached ).

Biggest issue is I have is the 1 mortgage with Wells Fargo, but 2 loan balances.

Mortgage - Wells Fargo Loan # XXXX 1st Loan Balance per XX/XX/XXXX Payoff = {$760000.00} 2nd Loan Balance per XX/XX/XXXX Reinstatement Quote ( attached ) and XX/XX/XXXX Wells Fargo Letter detailing the remaining loan balance after reinstatement payment ( attached ) = {$840000.00} Why is there a {$84000.00} difference in the total amounts due?

I have one mortgage, not two, and I should have one overall loan balance on one mortgage, not two drastically different loan balances on one mortgage.

I again ask, please detail why the difference and if in error, remove the {$84000.00}
I have attempted to dispute an incorrect address that is listed on my credit report with Experian in writing and via telephone with customer service agent. Experian " verifies '' this address as correct and refuses to remove this incorrect information. I was the victim of fraud, as indicated by the fraud indicator on my credit report with Experian. I am aware that companies may report my address incorrectly and that there may be multiple individuals with the same or similar name as mine and incorrect information may be incorrectly added, but it is Experian 's responsibility to conduct a complete and accurate investigation and to ensure that only correct information is included on the report they provide. The address XXXX XXXX XXXX XXXX XXXX, CA XXXX is not mine and inaccurate and needs to be deleted from my credit report immediately to avert further fraudulent activities.
I was on the IBR plan and i got a letter approved and my payment was {$57.00} and then next thing i knew i was getting notices saying i was behind on my payments. now they raised it to almost {$80.00} a month. i filed bankruptcy in 2010 for hardship and have still tried make payments and be honest.
This company called Municipal Services Bureau has repeatedly, abusively and excessively called my home telephone number and stated that it is important and urgent to call them back to discuss a debt ( they did not specify ) I owed that I know nothing about. I called the number back and the lady on the other end ( did not state her name ) said somebody will call back and discuss and was very vague. I told her to please not call my phone number again because she was harrassing me. They have been calling at least 15 times a day and leaving unwanted messages on my voicemail.phone.
I obtained my credit report and discovered multiple errors. I send a letter to Equifax stating I was disputing a Bankruptcy on my record. The first letter that I sent was on XX/XX/XXXX and it was signed for on XX/XX/XXXX. I received a letter back stating they had " verified '' this using a third party ( XXXX ). I sent a second letter on XX/XX/XXXX and it was signed for on XX/XX/XXXX, stating that I was requesting the information that they used to " verify '' the bankruptcy. Again, I received a letter saying they verified this information using XXXX, but did not prove and documentation to me as verification. I mailed my third letter on XX/XX/XXXX and it was signed for on XX/XX/XXXX. I called Equifax and asked to speak to a supervisor in dispute. Again, I was told that the information was verified and I was denied any proof when I requested to have it sent to me. 
My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Equifax Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 
The Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). 
Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 
I have given Equifax multiple attempts to follow the laws and even called them so I could discuss this with an actual person. Any help in this matter would be greatly appreciated.
I have been receiving a hard credit inquiry from Chase Bank under XXXX credit card since XX/XX/XXXX. It happens consistently. I have not applied for a credit card with XXXX. I am very careful to make sure I do not click the " apply for credit '' button when I place orders with XXXX. The following dates have hit my credit report and keep knocking my credit score down : XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Today, XX/XX/XXXX, my credit score dropped from XXXX, which I struggled hard to get to after a bad car accident, down to XXXX. This has to stop! I have contacted XXXX on several occasions via chat because it was the only way to reach them, and again today by phone XX/XX/XXXX. The man on the phone told me " it is not in my knowledge database provided to me how to help so I am sorry that I can't help you. '' I guess there are no supervisors? I have also contacted Chase bank on several occasions, most recently today XX/XX/XXXX and Chase bank told me that they do not handle disputes because all they know is that something came through to them and they have no way of telling if it was fraudulent or not. All they could tell me is it was from an XXXX credit card. 

My credit was compromised in the XXXX data breach in XXXX, but that still does not explain the XXXX date. It is possible that back in XXXX I did apply for the card accidentally, but I can not locate any record of that in my XXXX account. I also have definitely not applied in this or the last year at all. I want to know who is doing this and why they are able to do it. My credit report has a lock on it, so this really concerns me because it is still happening. I have not even placed an order on XXXX in months. 

In addition to this, I've filed disputes with all the credit report bureaus and nothing ever changes on my account.
I received a refinance with XXXX XXXX XXXX XXXX back in XX/XX/XXXX. In XX/XX/XXXX the loan was sold to Flagstar Bank, loan # XXXX. My original monthly payment was {$2300.00}. During the time I received a tax statement which indicated that my 2017 taxes had increased due to a HERO loan lien on the property. That lien was paid off during the process of the refinance. Then I received a revised tax statement showing a reduction due to the payoff of the loan. I then received a revised mortgage statement showing an increase in my monthly payment to {$2800.00} I then notified Flagstar of the discrepancy and asked for an analysis be done to correct the mortgage payment and revert back to the original payment. The new mortgage payment is now {$2300.00} which is {$45.00} more than the original mortgage payment. I then called Flagstar and was told by representative ( XXXX ) that there is a cushion required in escrow accounts that Flagstar requires to be paid. Not all firms require this cushion to the escrow account. Nonetheless now my monthly payment has increased from the original payment I agreed. Prior to receiving the adjustment of my monthly loan payment I was never notified in writing by Flagstar to expect an increase in my monthly payment due to a cushion requirement. I feel that as a consumer this additional {$45.00} could later become a hardship, so therefore, I would like an analysis from Flagstar to look into this matter. I was told most likely nothing will be done.
on  XXXX /26/2017 - I went to make a purchase on  XXXX  as I did in the past, never had any issue, the sale did n't go true? I tried a few times, till I called the the number on my CC, to find out, that they dropped my credit from   XXXX   - to  XXXX ??? and why???? they say that they received negative information? I told them twice while I was on the PHONE with them that I never had ANY late or ANY missed payments with ANY of my creditors?. they were very specific that it is  XXXX  ... While I was on the phone with customer SERV I also called up   XXXX   ... and they heard that it is a Fabricated LIE, the CC company told me to ask them about an electronic report sent on the  XX/XX/XXXX ??? which  XXXX  replied and the CC COMP. listen to this phone call entirely, that NOTHING was and NOTHING is wrong with any of my Credit Accounts, and NO missed or late payments on any of the  XXXX  CR/BU reports ... .. This SYNCHRONY BANK, sent me a letter which they outline the reasons of the credit decrease which NONE are true. 4 REASONS, NONE ARE TRUE. I will gladly send you a copy of all when and if requested. NOW my question, a COMP. yes could decrease a credit line.. but if the give a reason does n't have to be the TRUTH?. why LIE about it, plus ruin my credit, from here on. HELP! Thank You.
I APPLIED FOR MORTGAGE ASSISTANCE FROM MY LENDER ( BANK OF AMERICA ) BUT THEY CAUSING LOTS OF NEEDLESS DELAYS IN THE PROCESS REVIEW WHILE CONTINUING WITH FORECLOSURE ACTIONS!!! 
I AM TRYING IN GOOD FAITH TO FIND A SOLUTION FOR MY MORTGAGE PROBLEM AND HAVE PROVIDED EVERY ITEM THEY ASKED FOR. NOW ALL OF A SUDDEN THEY SAID THEY ARE SELLING THIS LOAN TO A DIFFERENT COMPANY AND THEY WILL NOT WORK ON MY MODIFICATION APPLICATION ANY MORE!!!! ACCORDING TO " B OF A '' I HAVE TO WAIT UNTIL THE NEW COMPANY GETS MY FILE & CONTACTS ME TO CONTINUE THE PROCESS. YET THEY WILL NOT STOP THE FORECLOSURE PROCESS DURING THIS TRANSITION PERIOD!!!! 

BANK OF AMERICA HAS PUT THE MODIFICATION REVIEW ON HOLD BUT THEY WILL NOT PUT THE FORECLOSURE PROCESS ON HOLD!!!!! THIS IS SO UNFAIR AND UNREASONABLE!!! 
IF THEY ARE WAITING FOR THIS TRANSFER PROCESS TO COMPLETE BY THE SAME REASON & LOGIC THEY SHOULD WAIT ON THE FORECLOSURE ACTION TOO. THEY HAVE PUT AN IMPOSSIBLE OBSTACLE IN FRONT OF ME WHILE CONTINUING WITH THE FORECLOSURE STEPS!!!!
Contacted Transunion regarding several inquiries ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) that were on my credit report, those of which I did not sign a contract with these creditors for their service or their products.
Nationstar ( dba.MR COOPER ) added an escrow account to my mortgage payment and reported it 30 days late in XX/XX/XXXX. They acknowledged this was done in error and failed to correct my credit to positive status for over 7 months. They also reported my account 30 days past due for XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX, even while accepting my payments and providing written documentation that the negative reporting was their error. They also provided written documentation that the account was never late and should have been updated with the credit agencies. As of XX/XX/XXXX, my credit score is still under 650 because of the late payments reported over the last 7 months and I have documentation of 11 attempts to correct this via email, mail and phone calls. I have also hired a lawyer to work on my behalf. I have suffered severe financial loss due to these errors and the length of time that my credit score has been damaged. There is no explanation for the 7 months of delays is correcting the errors in my credit reporting and I would like the CFPB to investigate this case and hold Nationstar responsible for it's gross negligence. I hope this case will be used as an example of how mortgage services can destroy innocent victims credit and cause innumerable levels of stress and financial damage. There needs to be better credit correction oversight of mortgage services in the future to prevent this from happening again.
On the evening of XXXX XXXX, 2017 I phoned Experian to remove two addresses that I am not associated with and inquires that I did n't recall authorizing. They refused to investigate and told me they can not do anything. I must call each creditor and ask them to remove the inquiry. I asked what if the creditor does n't respond, the rep said just keep trying.
Bottom Line Up Front : PennyMac is Required to Manage my Escrow Account per the terms of my loan. I notified them on XX/XX/2018 that they had paid my taxes partially, but not in full. I gave them the correct amount and contact information for the county tax office. They chose not to pay them or inquire with the county tax office. They finally inquired after the taxes were late and paid them. The problem was the late payment incurred a {$170.00} penalty that they took out of my escrow account instead of paying themselves. I was promised in writing and over the phone that if the taxes were not paid on time they would be responsible not me. 

Crucial Point : Why was PennyMac suddenly able to determine they had paid the taxes wrong in XXXX after the taxes were due, but not in XXXX before they were due? Why didn't they take the steps I asked them to take on XX/XX/XXXX that they took on XX/XX/XXXX? 

Summary : I have a required escrow account for taxes and insurance on my PennyMac Loadn. On XX/XX/2018 I reached out to PennyMac by their online secure messenger. I informed them that my property taxes were not being paid correctly, what the correct amount was, and contact information for the county to fix it. I tried and tried to provide them a digital copy, but I could not get their website to work. OnXX/XX/2018 at XXXX EST ( XXXX ) I contacted PennyMac by phone and informed them I couldnt get the property tax bill loaded ( See page 7 of XXXX  Bill under call detail ). I was informed I would not be responsible for any late penalties and they would engage the county digitally and get the correct bill. After many phone calls after the bill was not paid at all on XX/XX/2018 I found out today XX/XX/2018 the bill was finally paid out my escrow. Additionally they paid the late fee out my escrow because it was paid after XX/XX/2018 ( {$170.00} ). Additionally on XX/XX/2018 I papered mailed them a copy of the property tax bill and they said they did not receive it.
The company that I have an auto loan through calls me when I 'm a day late. They call me at least 5 times a day, not leaving any messages. We have asked them to stop twice, and they do not. They claim they use a " dialer '' and they have no control over that.
In XXXX XXXX, I requested a modification because my debt load was too high and I knew I would be unable to make my payment shortly ; especially with it being a 2 year ARM with the XXXX year ending. My lender told me to allow a car to be repossessed and they could possibly assist with lowering the payment $ XXXXmonth. But when the decision was final, they declined to do anything to assist. Months later, I was laid off. They approved a 4 month forbearance and stated that I would still be due for the XXXX payments once the forbearance ended on XXXX/XXXX/XXXX. In XXXX XXXX, I received a call from SECU confirming that I would be making XX/XX/XXXX in XXXX. I told the rep XXXX XXXX that I would, even if I had to borrow the 3 months. However, on XXXX/XXXX/XXXX, I received a letter which said that in addition to the 3 months, I also need to come up with the 4 months they agreed to forbear immediately.
Due to the fact that my situation is not above for me to choose from. I am willing to explain it here below. I had the equipment from XXXX after canceling the equipment from my business office. In which XXXX, placed my XXXX in XXXX and i am paying on that service at this time correctly. So, in that case XXXX should be removed from my credit report.
On XXXX/XXXX/2015 I received a " Final Request '' letter from Nationstar Mortgage. The later states " We have received your inquiry for the Making Home Affordable Modification Program. Please find enclosed the following documents that must be completed in full and returned to Nationstar Mortgage in order for us to begin the evaluation process. Please Note that during the evaluation period your home will not be referred to foreclosure ... ... .. '' The letter said that Nationstar needed to receive the documents by XXXX/XXXX/2015. I completed the documents and emailed them to the email address that Nationstar provided in the letter and also emailed them to XXXX XXXX, who is my Dedicated Loan Specialist on XXXX/XXXX/2015. I know that the documents received because because on XXXX/XXXX/2015 I got an email from XXXX that stated " YOU SENT THE WRONG LOAN # ... THIS IS YOUR LOAN # XXXX. I HAVE SENT DOCS TO BE UPLOADED SO THEY CAN BE REVIEWED BY OUR PROCESSING TEAM. FOLLOW UP IN XXXX DAYS. '' In error I put XXXX on the paperwork. I was also contacted on XXXX/XXXX/2015 by Nationstar regarding more documents that they needed, which I sent. On XXXX/XXXX/2015 I received an email from XXXX that stated '' Dear XXXX, Nationstar needs to receive additional documents to continue reviewing your account for a modification. Your modification request is currently on hold and faces the possibility of rejection until Nationstar receives the additional required documents. Please return these documents as soon as possible. 
Please email your missing documents to your Dedicated Loan Specialist, XXXX XXXX at XXXX, or call XXXX if you have any questions. 
I sent all requested documents to XXXX on XXXX/XXXX/2015. Currently I am not aware of any further documentation they need. However, today I received a letter dated XXXX/XXXX/2015 stating " Your Mortgage has been referred for foreclosure. " Why Has my Mortgage been referred to foreclosure when the letter on XXXX/XXXX/2015 said that if I sent the documents by XXXX/XXXX/2015, which I did, the Mortgage would not be referred to foreclosure? 
I have not received anything stating the modification has been denied nor have I been notified that they need more information.
I want to file a complaint against Select Portfolio Servicing Inc . The company 's mailing address is Attn : Loan Resolution Department, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. I applied for a mortgage loan modification in XXXX 2014. I have called this company each month since XXXX 2014. I am repeatedly asked for verification of salary, income tax return forms and bank statements. I have received XXXX letters from this company never specifically stating the status of my modification application. The letters received from the organization only state that correspondence was received from me. This company has numerous complaints against it on several consumer complaint web sites. My mortgage was sold to Select Portfolio Servicing Inc. by the orginal lender which was XXXX Mortgage company. Each telephone conversation I 've had with this organization resulted in vague and very cryptic conversations with representatives who never provide straight answers to straight questions. As mentioned before, I have never received correspondence indicating any status on my mortgage loan modification or what stage from beginning to end is my application in. This company provides terrible customer service. The representatives give the same information over and over again. I 've written a letter to the Board and CEO of the company with no direct response. Just correspondence vaguely stating that correspondence was received by the company from me. This entire process has been unprofessional. This company will not record " specifics '' in their correspondence to me pertaining to the modification. My goal is to successfully complete the mortgage loan modification process. I can not believe how this company does business or why it has been allowed to get away with doing business this way for so long. I am requesting assistance from your agency in this process.
I opened a secured credit card with a credit line of {$500.00} at US Bank in XXXX 2016. I had charged {$490.00} to the card. On XXXX XXXX 2016 i decided to close the account and submitted my request in writing. On or around XXXX XXXX, 2016 I called US Bank and the credit card had been closed and they took the initial {$500.00} secured deposit and applied it to the balance which made a credit balance of {$0.00}. On XXXX XXXX I was charged a {$29.00} annual fee. I called US Bank on XXXX XXXX and was advised that they would go ahead and waive the annual fee by submitting a request and that it would be done within 10 business days. On around XXXX XXXX, I checked back with the bank and it still was not credited I was told to give it a few more days. On XXXX XXXX I called back again and a representative a shored me that they would waive that annual fee based on the prior notes they saw no issue but the representative past me to a supervisor and the supervisor stated that we will not waive the fee because this is a secured card and that if I took any other measures by going to the CFPB or Federal Trade Commission it would do no good because they were not going to break policy based off of a CFPB compliant. This card was closed before the annual fee was ever buil this card was closed before the annual fee was ever billed.
I am requesting date of death balances for multiple accounts. I made the request in person to customer service rep XXXX who advised me that his manager XXXX was out on vacation until XXXX XXXX. I have left XXXX messages with XXXX since XXXX 's return to have her call me to advise me of the request status. I have not heard back as of XXXX XXXX.
I had a mortgage with Bank of America and sold my home in 2010. 
I signed closing papers, closed out the mortgage, transferred ownership of the property. 
Bank of America today still has my mortgage reported as open, reporting past due balances in excess of XXXX, negatively impacting my credit. 
I have attempted several contacts directly to BOA, always with the same response, someone will get back to me shortly. Several months later, no one has.