WillisBack/dataset-financial-user-claim huggingface dataset:
Entered into a refinance transaction with PennyMac who currently holds my mortgage to get out of the current FHA loan and into a conventional loan and either remove or greatly reduce the mortgage insurance. Once the appraisal was completed, I reviewed and was shocked at where their appraiser came in at for the value. I work in the mortgage industry and have reviewed appraisals for 15+ years and knew the reconciliation was deeply flawed. Normally even though there is appraiser independence post mortgage melt down, a Lender 's internal appraisal department has the ability to review an appraisal and change the value used for lending if there are flaws in the appraisers result. PennyMac would not review and only sent my rebuttal to the appraiser who of course did not change his value conclusion and still did not provide justification for his value at the extreme low end of the market and his commentary actually supported the higher end of the market and his adjusted values for both closed sales and listings supported higher than his ultimate value. I even provided XXXX comps that were pending sales at the time of the report and also supported at least the middle of the value range if not the higher end. This is an issue for consumers especially with the resulting payment when compared with the fees and increase in principal at the end of the proposed transaction left no benefit of refinance. If I had not been in the industry I may have still proceeded with the transaction instead of cancelling as I did and been in a much worse position as the Rep never brought up the discussion on whether the new loan was still worth it with the much lower than anticipated value that left the LTV over 90 %. The only proposition brought up was to bring in {$4500.00} to pay down the principal to 90 % LTV which would lower the payment by less than {$100.00} so the money brought in would take at least 4 years to recoup and therefore makes no sense. I will attach a full breakdown of the assessment and flaws in the appraisal later in this process, but the lack of making sure the customer is put in the best position because not every appraisal will be acceptable while most are and the lack of guiding the consumer to the best situation for them financially is concerning if this were to happen to someone without industry knowledge or not financially savvy. It appeared they were just looking for a new transaction any way they could get it and if not they still held the servicing for the mortgage so either way PennyMac was set while the consumer was not.
I have been dealing with US Bank credit department representative, XXXX XXXX XXXX collections ). Business has dropped 40 % since XXXX 2014. We have been struggling for awhile now. So we are at least XXXX payments behind for the last XXXX months. I get it I owe it & I understand payments must be dealt with. But I am a human being last I checked. This woman was demeaning. I have my share of clients that owe us, but to ever think of treating anyone without respect is beyond me. I knew when I was XXXX yrs old that I would someday own a business. And I would treat everyone with a grand opening attitude. Trust me I lose sleep knowing I owe. I have ethics. This person must get a kick out of treating people like that. 

XXXX called me on the XXXX and I promised him I will send out check XXXX. On the XXXX a different rep was DEMANDING payment that same day. Saying that there was no check in envelope, I told her that 's impossible, XXXX I received an email from XXXX saying he received the envelope but that he wanted to know the check number to make sure it gets posted correctly. The only thing after that was getting accusations saying I never put check in envelope and she needed payment right now! She had a condescending attitude from there on. After I told her the check was in there. 

I do n't have that rep 's name but I 'm sure our conversations were recorder. She demanded again for payment through our bank. After just experiencing a double dip situations just a month before this XXXX XXXX XXXX XXXX XXXX, I was n't going to do any online transaction. I told her I will overnight check. Her response was that she has to have it today or else. I said I will check bank account XXXX bank, no check cashed or pending for US bank. I told her she had XXXX choices. Pick up equipment or wait for check. She accepted overnight. Just to prove to her my ethics I asked her to contact me next Thursday for another payment. 

Checked XXXX on Friday, low & behold XXXX checks were deposited, so after accusing me of literally lying, XXXX checks went in. I had enough funds XXXX. They got paid on XXXX them & I have incurred serious bank fee 's. Like I said I know I owe, but because of this I have to now pay cash to a vendor for NSF on XXXX consecutive checks. My bank paid XXXX checks in XXXX to another financial company & now to US Bank. Yet I do n't even have money to pay coned right now. They are also on my back. 

Just want to know my rights. What they done was crippled my dignity and dreams.
I am currently 3 months behind on my payment, almost XXXX. Several weeks ago maybe XXXX we attempted to make a partial payment that was refunded unaccepted. We then applied for a modification which was denied. I have now been told that on Saturday XXXX XXXX a demand letter will require the full amount, XXXX approximately. I attempted to establish a payment plan for XXXX today and XXXX on the XXXX but was told that i must make a payment of XXXX by Saturday to avoid the demand letter and starting foreclosure. I am in this position due to a loss of income and can not financially afford the lumpsum of XXXX or the XXXX at one time. I want to keep the home, i have a VA loan and want to avoid foreclosure completely, nationstar is simply refusing to work with me i feel.
On XXXX/XXXX/14 my son bought a car financed thru chase bank.On or about XXXX/XXXX/14 I got a credit karma alert that I had a XXXX loan put on credit report.I told my son I would co-sign for a loan, if he needed me to.My so bought the car and signed my name as a co-signer.I never knew this, until I got the credit karma report.He told chase auto loan he signed my name and sent them a e-mail thru there secure chase site that he signed my name.They kept me on that loan knowing full well I never signed for that loan.Finally my husband who is now 3rd party rep on this and has full power to act on my son and my behalf to handle this matter.I never saw a loan document or signed a loan document, yet chase kept me on that loan.I finally got copy of that loan and on the back of loan it says : Important before signing you should read this agreement carefully.This written agreement is the ONLY enforceable document and no other terms or verbal promises can be enforced.You acknowledge that you have received a completed copy of this agreement and have READ it.I never got a copy to read-never got a copy to see till after the fact. Chase bank caused my credit score to drop and is still not where it was before this all happened.They new I never saw a contract and chase knew my son signed my name to it.Even after all this they still are making my son pay on this loan which is void according to there own contract.My son is a XXXX vet XXXX and has issues which he told chase bank.This is how they treat veterans and there families.
i hired Pay map company to collect my mortgage and give to XXXX XXXX XXXX. We agreed that it would be twice a month but they took 4 times a month for more than two years which made me over draft along this period and i paid fees and i had family problem as well they promised me to shortened the period of mortgage term but they deceived me.
At the end of XXXX, 2016 I purchased a XXXX and signed up for the promotional financing of 12 months same as cash through Fortiva XXXX XXXX. I was looking at my statement today and it stated " Deferred Interest Charge Calculation '' and showed a timeframe of 6 months. I called customer service and they indicated I had signed up for the 6 months same as cash. I told them that the promotion XXXX was running at that time and still today was 12 months same as cash. The customer service rep stated she was sorry but that was not what I signed up for. She indicated someone would contact me within 10 days. 
I looked on the website again today XXXX XXXX and all over it states 12 months same as cash in nice big letters. The only thing I found referencing 6 months was in small print at the bottom ( copied below ). If the offer is either 6 months or 12 months same as cash, it should be stated somewhere besides the small print at the bottom of the page and really, this does n't say the offer is for 6 months, it just states " within XXXX or 12 months as applicable. '' I would assume 6 months is not applicable for this offer since nowhere else does it state 6 months same as cash. 

*subject to credit approval. Deferred interest means that if you fail to pay your purchase in full within the promotional period, then the interest accrued on such purchases From the date of purchase through the end of the promotional period will be added to your account. To avoid paying the deferred interest charges, you must ( a ) pay the Promotional purchase in full within XXXX or 12 months, as applicable and ( b ) make all required minimum monthly payments on time. Making only required minimum monthly payments will not Pay off your promotional purchase before the end of the XXXX or 12 months, as applicable promotional period. See credit agreement for full terms and conditions. Fortiva XXXX Credit lines of credit are issued by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO, Member FDIC. 

If you do not pay off your purchase within the allotted timeframe, you must pay back the entire purchase plus interest from the beginning. I understood this but felt 12 months was a reasonable timeframe and calculated that if I made a {$250.00} payment each month I would have it paid out. {$500.00} a month however, it is not reasonable for me and had I understood this was only for 6 months I would have utilize a card I already had with a lower interest rate, as this XXXX is 26.9 % if applied to the balance. It seems to me this is a bait and switch tactic ; advertise for 12 months and then only provide for 6 months. If the consumer does not notice, they will have to pay the interest on the entire balance and will probably give up fighting so as not to mess up their credit report. Again, NO WHERE does the XXXX site indicate the possibility of XXXX promotions ( 6 months or 12 months ).
I paid off XXXX in XX/XX/XXXX in full but it still appeared on my report. But it was fine, just still appeared when all other Medical billing companies came right off! I disputed it back in XX/XX/XXXX and since then it shows up as 'Derogatory ' in big red letters on XXXX XXXX and other soft draw agencies. Went through BBB And XXXX just gave me the soft shoe shuffle!
I check my credit scores via credit karma, XXXX XXXX and XXXX  have arbitrarily and with out just cause lowered my credit scores XXXX by 38 points and XXXX by 51 points. I have recent inquiries and am update on all payments. They refuse to take my dispute.
- XX/XX/XXXX ; XXXX XXXX was charging $ XXXX.Claim for Excess Wear & Tear, after returning leased car. 

- XXXX ; Made for Total Settlement Amount Due {$1200.00} ( Account Balance {$1600.00} ) Payment Installment Plan with XXXX XXXX Down Payment Promise Date XX/XX/XXXX - {$610.00} ( Paid on time ) Final payments @ {$610.00} XX/XX/XXXX {$610.00} ( Paid on time ) Total Payment Installment Plan : {$1200.00} -XX/XX/XXXX ; Ally Financial credit report to Potentially Negative Account with late payment. 

- XX/XX/XXXX XXXX XXXX sent confirmation mail, " XXXX has been settled and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 

-XX/XX/XXXX Made a phone call with XXXX XXXX discussing why my credit report was negative when I already payed off the settlements on time. The reply was if I paid off my remaining balance, the credit report wouldn't be negative anymore. 

-XX/XX/XXXX *Payed off remaining balance of {$400.00}. 
*XXXX XXXX sent confirmation mail, " XXXX is now satisfied and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 
*Credit report remained negative even after receiving these confirmation letters. 
*Made a call to XXXX about this issue ; wasn't given a solution. 

-XX/XX/XXXX *Disputed to 3 Credit Bureau for issue ( See above ). 
*Received dispute result from XXXX XXXX " Completed investigation of FCRA dispute - consumer disagrees '' OR XXXX XXXX XXXX " DISP INVG COMP-CONSUM DISAGRS ; >SETTLED-LESS THAN FULL BLNC< ; CLOSED. '' * Also, EQUIFAX sent the result by E-mail. But it wasn't opened. It looks like some kind of security problem. Any how I need to phone call to them. 

Thank you!
Consumer filled out the opt-out form for overdraft protection with Wells Fargo Bank of all debit card transactions ; however, Wells Fargo has cleared a debit payment that should have been declined. I am in the process of moving, every thing is hectic, and I forgot to change the due date for this auto pay. Under normal circumstances, this transaction would have been declined and not cleared. This has caused an overdraft fee and overdraft of my account which would have a balance if this illegal transaction had not gone through. Wells Fargo refuses to reverse the transaction, stating that Wells Fargo has the option of paying the transaction even though I have filled out an opt-out form. What is the use of this form when Wells Fargo will not honor it.
On/around XX/XX/2017 my Capital One credit card ( XXXX XXXX ) was fraudulently charged 3 times by some one ( XXXX XXXX ) ( not known to me ) who got a credit card ( XXXX ) issued to her as an authorized user of my credit card. 

She had the credit card ( XXXX ) sent to her at an address in New York, ( my address on record with the bank is in Massachusetts ) and there she charged the card several times. I was advised by the bank ( Capital One ) that the person pretended to be me by presenting herself over the phone or on-line. Capital One case # XXXX. 

Following several discussions with the bank/credit card company I am NOT satisfied with their identification checking process such as using my on-line access information ONLY ( with no follow-up with me, such as sending a verification code to my mobile phone, or a message to my e-mail etc. ) about verifying the authenticity of such fraudulent activity. Also, the bank has been very un-cooperative in reviewing or changing their current practice in this regard. 

Request that you kindly investigate the bank 's practices in this regard, and insure that the bank has proper security systems in place ASAP and that they perform due diligence in order to safeguard customer data and prevent such unauthorized access to such data, and issuance of fraudulent credit cards.
LOAN NO.,XXXX
Seven months ago as inheritor of the Estate of XXXX XXXX (legally registered in XXXX County Probate court) I approached Nationstart dba Champion Mortgage to pursue a shortsale on the property. We were assigned as our contact person XXXX XXXX (Tel XXXX  email: "XXXX XXXX"  ) , who informed us of the requirements. We submitted an inspection report, an appraisal, and Sales contract. Days later the content of the inspection report was ingnore and the entire package was rejected, then Champion decided to send their own appraiser who did not take into full consideration the dire condition of the property, and the net price that Champion agreed to was $XXXX. It is interesting to know that the Appraisal was completed by Champion Appraiser XXXX XXXX XXXX on XX/XX/XXXX yet we did not received Champion Approval letter until XX/XX/XXXX and this was after making several requests, that means that we were penalized for more than a month from the date of the bank appraisal. After discussing this buyer, I persuaded him to resubmit a new sales contract and HUD1 with the new price, several weeks later after requesting several times the confirmation letter we finally received it. The bank appraisal had an expiration date of XX/XX/XXXX. Unfortunately due to hurricane XXXX and the State of Emergency called by the Governor, we could not proceed with the closing as planned. Last week I emailed XXXX XXXX as well as my buyer requesting a short extension since the entire legal community and the courts were closed due to the aftermath of the hurricane. To my astonishment the two week extension was denied and now we are back to square one. The property incurred substantial damage yet due to past experience with bank appraisers, whoever they send will appraise the property at a higher price totally ignoring the condition of the property, this is done in a very SUBJECTIVE WAY as to minimize the lose the bank will incurred as a result. 
In a time when millions of us in Florida went through this catastrophic hurricane it is incomprehensible and completely unfair by Champion mtge to impose such deadline totally ignoring the facts on the ground. 
Summary: 
I EXPECT THIS AGENCY TO LOOK INTO THIS MATTER AND CONTACT THE POWERS THAT BE AT CHAMPION MORTGAGE TO WAVE THE XX/XX/XXXX DEADLINE AND GIVE US TWO WEEKS TO PROCEED WITH THE CLOSING ON THE PROPERTY. THIS TYPE OF BEHAVIOR BY A CORPORATION WITHOUT REGARD FOR THE ELDERLY WHEN WE HAVE JUST WENT THROUGH THE BIGGEST HURRICANE IN HISTORY IS TOTALLY UNCALLED FOR AND NEEDS TO BE FULLY ADDRESSED BY THE REGULATORY AGENCIES. SHOULD NATIONSTAR / CHAMPION MTGE REFUSES TO WAVE THE XX/XX/XXXXAPPRAISAL DEADLINE, MY BUYER AND I WILL BE FORCED TO FILE A COMPLAIN WITH THE SECRETARY OF HOUSING AND URBAN DEVELOPMENT THE GUARANTOR OF THE REVERSE MORTGAGE AND I WILL SEEK ALL LEGAL REMEDIES AVAILABLE TO ME TO ADDRESS THIS ISSUE.
I XXXX XXXX am not disputing that I once had a credit card with XXXX XXXX Bank. What I am requesting is a copy of the actual transfer of ownership from XXXX XXXX Bank to XXXX XXXX XXXX. Since XXXX has posted that they have purchased the debt, under Fair Debt Collection Practices Act I am well within my rights to be given 100 % validation that the debt was purchased. XXXX did not have a right to even post this collection on any of the pertinent credit bureaus without such a validation finalized. Accordingly, the collection must be removed until the debt transfer is completely validated. I am open to a settlement letter to be emailed to me at XXXX if possible, but I would still like to see a copy of the actual transfer.
I initially disputed this item in XX/XX/XXXX to have it verified and validated. I received notice that the debt was verified but did not receive proper documentation in accordance with both my request and according to the FDCPA, FCPA, along with the corresponding local state laws in which I have and do reside in. I was also advised that the account would be listed as disputed in their updates to the credit reporting agencies. However, as required by the FDCPA Section 807 ( 8 ) this was not done. I was to find out that this has not been done as far out as even my XX/XX/XXXX reporting period. I made a 2nd attempt sending a letter in XX/XX/XXXX, to request proper validation only to receive the same incorrect documentation which still is in violation of the aforementioned regulations. On the XX/XX/XXXX, I sent a final goodwill letter to request that the company place the " notice of dispute '' on my account within the period required by law, which again was and has not been done even though I received the same form letter stating that it would be. Lastly, after searching the Secretary of State 's Debt Collector 's Database and finding no information, I submitted a request to the company to produce proof of a valid debt, as well as advising them of the " notice of dispute '' issue, and also requesting that they produce confirmation that they were legally bonded to collect debts in my state. This letter was sent out on the XX/XX/XXXX and signed for on the XXXX of the same month. To date, I have not received any proof that this company was or is in possession of a Surety Bond for my state and the last letter I have received from them was on the XX/XX/XXXX which was another form letter exactly the same as all the rest but still not in compliance with the applicable laws.
I got a Loan with GMAC 14 years ago for XXXX. After 7 years ocwen bought them out and I modified my loan. I am actually losing my house now to a short sale or worse foreclosure. We had a short sale set up and the 2nd, my equity line if XXXX decided to foreclose. The sale was set fir yesterday. However they cancelled the sale and now I think the short sale will take place. But ocwen has said my payoff after all these years of paying is {$610000.00}. The original amount of my loan. Please excuse my ignorance but I do n't know what to do. I 've called them at least 20 times and they always say I 'm right, this does n't make sense. Then they transfer me. I never get anywhere.
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day, mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified " that I have disputed. Please resolve this manner as soon as possible. Thank you.
I am behind on my mortgage by 40 days. I tried to make a payment tonight online at SunWest 's website. The site would n't allow me to make a payment, stating : " Loan # XXXX as of XX/XX/2017 XXXX EDT One Time Payment is not available at this time because your mortgage payment is now 30 days or more past due and your loan is in default. We are concerned about your missed mortgage payment and we want you to be aware of the assistance available to you in case you are unable to bring your payments current. Please contact SWMC 's Home Retention Department at XXXX. Your Personal Concierge is available to assist you between the hours of XXXX to XXXX PT, Monday through Friday ( except Federal Holidays ). ''
I gave my credit card number to a fake moving company which took out a XXXX XXXX on my card and never performed the moving service. I never agreed to a XXXX XXXX  and I try to resolve this with capital one. They failed to refund me for the fraudulent purchase.
I received XXXX mailed statements from Dynamic Recovery Solutions ( XXXX XXXX XXXX, XXXX, SC XXXX ) for collection of a debt to a company I 've never heard of with a made up account number. I 've searched all XXXX companies listed ( sender, original creditor and current owner ) and finding nothing but scam-related information. The other companies listed/involved are XXXX XXXX and XXXX XXXX XXXX, XXXX. Their statement shows them as being accredited though the XXXX, XXXX and being XXXX compliant, and I was n't able to find a XXXX listing anywhere.
On numerous occasions, I have contacted   XXXX    & Tr ansUnion to notify them that I am no longer liable for   XXXX    XXXX   XXXX  and requested that they be removed and they have failed to provide any relief. This account was transferred and closed over 2 years ago and I am no longer liable for them. The new creditor  XXXX  is now servicing this loan and reporting it. Furthermore,  XXXX   &  TransUnion continues to allow  XXXX   XXXX  to report information that is not 100 % accurate.  XXXX   XXXX  is reporting that the account is late but there is no balance. This looks as though {$0.00} is late which is incorrect.This information remains to be inconsistent across all  XXXX  bureaus and not 100 % accurate. I received a letter from  XXXX   & T ransUnion stating that they will not re-investigate this erroneous reporting.
I don't know where else to turn. There is some company named XXXX XXXX reporting on my credit file and I have no idea who this company is. I never took a loan out or singed and agreement with this company. I don't know what this is and never received anything from them.