WillisBack/dataset-financial-user-claim huggingface dataset:
The agent with whom I spoke, XXXX XXXX, mislead me into thinking there was a possibility of a reverse mortgage even tho the property ( manufactured home from XXXX ) was not eligible. I told him the type and date of the unit on the first call in mid XXXX. As a result, AAG charged me {$470.00} for an appraisal fee which was never conducted ( taken via debit card XXXX on XX/XX/XXXX ). I have been trying to get a refund of the fee since early XXXX. 

I stopped negotiations for this loan with XXXX XXXX & AAG on XX/XX/XXXX through email after finding information on AAG website about the elibility of the property. When I told XXXX about what I found on the website, he said the website wasn't always accurate. In email he indicated that he had submitted a request for refund of the appraisal fee ( XX/XX/XXXX and XX/XX/XXXX ). 

Subsequent follow up calls and emails resulted in XXXX XXXX advising me via email on XX/XX/XXXX that I had to contact the appraiser for a refund. Subsequently contacted the appraiser who had not been paid for the service as it was not performed. The funds were taken by AAG and should be returned by AAG. 

I am XXXX years old and living on Social Security with little savings. I felt a reverse mortgage would provide a safety net and was willing to invest in the counselling and appraisal to procure it. XXXX XXXX advised there was no issue with my credit rating. He should not have encouraged me to pursue the mortgage. 

On XX/XX/XXXX I received a statement of credit denial for loan # XXXX, dated XX/XX/XXXX for the reason of " Property does not meet minimum HUD standards. '' I am requesting that AAG return the {$470.00} for the appraisal fee that was not cconducted. 

I am also requesting that AAG reimburse me for {$120.00} that I spent to acquire a Certificate of HECM Counseling from Credit Card Management Services that was required to pursue a second mortgage. XXXX never should have referred me to such counselling as he was advised in the first contact call the type and date of the property. 

I have sent several emails and a letter to AAG ( attached ) and have not received any acknowledgement or response.
CBE Collections put a collection for a medical bill on my credit reports. I do n't even owe any doctor or hospital bills, and I think this is a scam. I think they are trying to get me to pay for something that never existed in the first place. I went out to the XXXX for the State of Iowa where this company has its headquarters and there were many complaints about this company targeting seniors in just this way.
The vehicle was surrendered as agreed upon by santander and myself. They are reporting it as a repossession. They have refused to correct this and have stated that they do not need too even though it was on a recorded line. I have asked them to change it and adjust the costs and they refused.
I still waiting for a responses. The bank still sent me the same email indicating the same, that they are going to investigate, and for how long they need to investigate since I open this case in the bank on XXXX XXXX, 2015, and do n't have any responses. Please help me and stop this abuse. 

Sincerely, XXXX XXXX from my iPhoneOn XXXX XXXX, 2015, at XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX ; XXXXXXXXXXXX & gt ; wrote : The company has provided a partial response to your complaint number XXXX describing the steps taken so far to address your issue. They stated they are still working on your issue, and you should hear from them again within 60 days. 

View the details of your complaint and the company 's response so far at : XXXX will let you know as soon as we receive an update about your complaint. 




Thank you, Consumer Financial Protection Bureau consumerfinance.gov ( XXXX ) XXXX ( XXXX )
This was from years ago. My bank blocked payment from an online casino deposit on XXXX. I paid last year to get it removed off my credit report. Now it appears 3 times again on my credit report.
wellfargo. took money form my checking account. and in stad of puting it in my mortgage account it put it in my principal that was over {$15000.00} in the account.know i cant pay bills and mortgage on time.thats was whit the money was for.I went to tell them whit happen and said day coud not do anyting about it.
We have been in regular contact with our lender on a rental home we were in the process of selling. The original buyer defaulted so it did n't close in XXXX as planned. I maintained close contact. We had another buyer set to close on the XXXX XXXX Carrington Mortgage told me on several occasions we were okay and they would let us know if foreclosure proceedings began ... .it was n't in foreclosure. The FULL payment was wired Friday XXXX XXXX. They rejected it Monday, the XXXX, saying it went into foreclosure on the XXXX. Now they say it takes 48 hours before we can get another payoff amount and they wo n't accept the funds. Buyer is in the home. As I stated ... .they are being paid in full. We were to get about XXXX and apparently they seem to want that to. How can they do this after providing a payoff amount? We had absolutely no idea ... the second lady at Carrington said it was n't actually in foreclosure just foreclosure status ... .so they want attorney fees now. Though it was forwarded such a short time ago the ca n't even give an amount because whomever this supposed attorney has n't done anything .... We still have n't heard from anyone or been given any documentation stating the home went into foreclosure ... ..just a payoff that gave figures that could be used until the XXXX. Which now Carrington is trying to say the payoff expired even though it said here is the amount and add this much per day until XXXX XXXX, etc .... for payoff. Escrow wired the full amount Carrington Mortgage said good through XXXX XXXX.
Except for a 3 year period between XXXX and XXXX I have paid additional principal amounts over and above the minimum amount due on my mortgage for the past 12 years. As a result of the increased payment amounts the loan is nearing payoff and according to my records the loan will be fully paid in approximately 8 months. All payments have been made on the loan on time and there has never been a late charge assessed by the lender during the life of the loan. After recently acquiring the loan and for the past 3 years Ditech has withheld applying the additional principal amounts they received each month by suspensing them in an " Unapplied Funds '' hold. By withholding applying the additional principal amount from the loan Ditech has increased the principal loan balance by approximately {$1000.00} and has increased the total pay-off amount of the loan by approximately {$4500.00}. There is an approximate amount of money in their unapplied funds account of approximately {$3500.00} not recognized in a pay-off demand statement. Ditech must apply the additional monies they received over and above the minimum amount due back to the starting date of their receipt of them 3 years ago and they must correctly re-amortize the loan to reflect the additional principal amounts they received. To date Ditech refuses to provide a detailed amortization schedule with running principal balance total and an accurate accounting of amounts currently suspensed in an unapplied funds account.
There is apparent misconduct on the part of the credit card company. I have attached the Affidavit and Exhibits referencing the misconduct and want to make sure that the appropriate person at the bank gets this information. 

This is the same documentation that I overnighted, on XX/XX/2018, through the United States Postal Service and mailed to M and T Bank Legal Document Processing at XXXX. XXXX XXXX in XXXX, NY XXXX. The bank should receive this document by Monday, XX/XX/2018 and I want to make sure that the issues in the attached documentation are received and addressed promptly.
In XX/XX/XXXX, I notified Bank of America numerous times about a company fraudulently charging my debit card for products I never rec 'd nor even received bills for. I asked the charges to be credited & future billings to be blocked. They opened up several fraud disputes & issued temporary credits but ultimately WITHOUT ANY PROOF from the vendor, reversed these credits. I explicitly asked BOA to get ( & provide me ) with proof from the vendor that I had received the products & with bills that were supposedly sent to me but they neglected to do so & relied only on a single phone call with the vendor who verbally said the charges were valid. I called BOA numerous times to reopen my claims, credit my acct, & to block future billing. In addition, I met my local BOA branch manager & asked him to escalate the fraud to the regional Mgr. I also pointed out the BOA claim detail was incorrect & needed to be fixed. We both ( again ) called the fraud Dept. to attempt resolution. BOA neglected to correct & reopen my claims & I never heard from the regional Mgr. I spent over 30 hrs & 5 mos. trying to resolve this, ultimately to no avail. 
I received a ltr from the FTC ( XX/XX/XXXX ) notifying me they sued & won a case against this very company that defrauded me out of {$1200.00}. I again contacted Bank of America fraud Dept. asking them to refund my {$1200.00} since the FTC substantiated the very fraud claims I previously reported. I spent another 1 hr & 40 mins with the BOA rep reviewing all the claim data ( dtd XX/XX/XXXX-XX/XX/XXXX ) & she opened case # XXXX ( XX/XX/XXXX? ). She advised me it would be escalated to a supervisor immediately & BOA would contact me. As of today, XX/XX/XXXX, I have ( again ) received no response, no claim has been opened, no credit issued to my acct. & this matter is still not resolved. 
It was bad enough for a vendor to get away with stealing {$1200.00} from my acct. but BOA 's financial neglect to properly investigate the fraud, stop it from recurring & to not properly pursue resolution, is unconscionable & only adds insult to injury.
I sent the following instructions to Navient : " I am writing to provide you instructions on how to apply payments when I send an amount greater than the minimum amount due. Please apply payments as follows : 1. After applying the minimum amount due for each loan, any additional amount should be applied to the loan that is accruing the highest interest rate. 

2. If there are multiple loans with the same interest rate, please apply the additional amount to the loan with the lowest outstanding principal balance. 

3. If any additional amount above the minimum amount due ends up paying off an individual loan, please then apply any remaining part of my payment to the loan with the next highest interest rate. It is possible that I may find an option to refinance my loans to a lower rate with another lender. If this lender or any third party makes payments to my account on my behalf, you should use the instructions outlined above. 

Retain these instructions. Please apply these instructions to all future overpayments. Please confirm that these payments will be processed as specified or please provide an explanation as to why you are unable to follow these instructions. 

Thank you for your cooperation. '' Navient did not comply with the standing instructions provided, stating that the instructions must be submitted on a separate piece of paper with each and every payment. This is not consumer-friendly as I use a third party payment processor, XXXX, which does not provide the option to send a separate piece of paper with the check. 

Navient states that they do not have the technology or infrastructure to have the payment instructions automatically apply to every extra payment without further instructions. This is not acceptable for an organization of the size of Navient, which has the resources to make the payment process transparent and straightforward for consumers.
My pay was impacted when " XXXX '' XXXX hit XXXX because NJ was a Federal disaster area, all collection activities were put on " hold ''. I was not told that payments would still accrue. Since then I have been trying to get placed in a modification. I have endured XXXX Home Preservation Specialists, XXXX Modifications which have met with some level of approval and then denied or halted, deleted and omitted documents, policy changes, and lack of responses which have cost me valuable time. Upon my last conversation, I was informed that poor customer service, bureaucratic delays, and open inquiries would not suspend foreclosure activity. 
I have just found, and will fax, the documents which the Senior Analyst claims she could not find. These pertain to title issues- stating that there are " no title issues '' - which has been a recurring theme for 3+ years
I owed discover card less than a thousand dollars several years ago. It was a very very old debt and I tried to contact the bank to settle and I was informed that they have been sold my case to a 3rd party collection agency. I contacted the collection agency last 2013 to settle my debt but they dont want to cooperate and doesnt want me to settle it. Just last year or this year I received a notification letter from XXXX XXXX, XXXX that they are garnishing my savings account because of old debt from discover card and they are working with the attorney. And Now, Im refinicing my house but I was informed by the financial officer that XXXX XXXX, XXXX was holding my house title until I pay them {$11000.00} thats why they can not proceed with the processing of my house refinancing. I dont even owe the my old discover card that much but collection agency is harrassing me to pay too much. I need help on this, I am a XXXX XXXX veteran having health issues and I am currently having financial difficulties too. I can not pay them more than I owe the bank.
I purchased my first home on XXXX XXXX 2015. I used XXXX XXXX XXXX XXXX for my closing. When they paid my first tax payment, they wrote the check payable to the County Treasurer 's office but mailed the check to my homeowner 's insurance company, XXXX XXXX, on accident. XXXX XXXX company did n't pay attention to the payble to line on the check and deposited the check. Chase bank allowed them to deposit the check to even though the check was not payable to them. My biggest complaint in all of this is that the bank allowed XXXX XXXX to deposit a check that was made payable to the treasurer 's office. 

The reason Chase Bank is my main complaint is because of their response when I filed a complaint with them. 

Chase Bank 's response was that when a check is deposited by a business, they do not look at the payable to line. Then they stated they would not discuss the matter further because neither the account the check was deposited to nor the account the money was coming from ( XXXX ) did not belong to me. Because they allowed this check to be cashed, my property taxes were very nearly late. I received and overage notice from XXXX XXXX XXXX XXXX late in the day ; I deciphered the situation on XXXX XXXX ; I mailed the check XXXX XXXX. Taxes were due XXXX XXXX. Also, I had to pay for the taxes out of pocket until the hold on the insurance company check cleared with my bank. 

As an individual, if I tried to deposit a check that was not payable to me, there would be severe repercussions. If a wife tries to deposit a check payable to her husband into her husband 's account, she ca n't even do that with Chase bank. Why do these rules not apply to companies as well? 

XXXX auditing process is the reason I caught this mistake. Their timely overage notice XXXX days prior to my taxes being due was the saving grace in this situation. XXXX XXXX XXXX XXXX admitted their mistake and refunded my {$200.00} closing fee. Why is it that the bank is the only agency in this matter that is not being held accountable for their ineffective business processes that potentially harm the individual? 

I have filed complaints with multiple agencies regarding this issue and all of them have said they do not govern the institutions and can not help me.
Roundpoint mortgage keeps incorrectly force placing flood insurance onto my mortgage. I have already submitted evidence of flood insurance to them several times via email, fax and have contacted them. I have evidence of all of those submissions that date all the way back to XX/XX/2016. My mortgage amount is normally {$940.00} but this month they increased my auto debit without my consent and without any communication to {$1200.00}. I contacted their customer service and it turns out to be an error on their part for never accurately updating their flood records. So unfortunately I am out {$260.00} until they can get this resolved which they told me they wouldnt be able to give me an update on it until XX/XX/2016. This is extremely deceptive practice and its similar to what i experienced with XXXX XXXX XXXX. They have no right to force place that insurance when i adequately and timely submitted evidence and they also violated my reg E for adjusting my ACH without my consent and notification.
Hello, My name is XXXX XXXX. I am XXXX-year-old XXXX person. 
On XX/XX/2019 the XXXX XXXX  customers were transferred to the People 's United Bank. I had a free checking in the XXXX XXXX  and as an elderly person should have a free checking in the People 's United Bank too. On XX/XX/2019 I notices {$3.00} charge as service fee from my free checking. I wrote a message to the customer service of said bank and they said that every time when I use my debit card to pay bills online they will charge {$3.00} service fee for each transaction. Why should they charge any fees for debit card payments? Please see their answer to my email as following : Thank you for contacting us. In response to your inquiry, there is a {$3.00} fee for each Network Bill payment processed against your account. This appears in your account history as a NTWK BILL PYMT DB and was debited on XX/XX/2019 for {$38.00} from XXXX. 
Network Bill Payment is used by merchants when you have provided them with your XXXX card number for payments. 
You may wish to speak to the merchant directly in regard to how they process payments.

Although you are qualifying for free checking, ( this only waives the {$10.00} monthly maintenance fee on your Plus Checking account. It does not waive these types of fees. 
To avoid this fee, you may consider converting your account to an Advantage Plus Checking account. You would also avoid this fee if you make your payment via Peoples.com Online Banking. 
I am sorry, but because this fee is valid, I am unable to submit a refund. If you have any further questions, please let us know or contact us at XXXX. 
Thank you, XXXX
The mortgage loan was transferred to a new Servicer. The new Servicer would not honor the agreement from XXXX. The payments were sent in to the new Servicer - ( Caliber Home Loans ) and they were sent back, Now trying to put the homeowner in foreclosure instead of working with them.
I paid XXXX on XX/XX/2019 my loan modification person XXXX XXXX will not answer or schedule a time with me the payment was made thru XXXX XXXX ive faxed them proof i did it to where it went directly to them. They leave me on hold and tell me it will take five days my demand letter expires on XX/XX/2019. Mr XXXX told me friday to make two payments to get back to 90 days ive paid almos 3 payments on the XXXX ill make the payment for the XXXXdollars which puts me at two months behind along with the fact that XXXX will also be paid on XXXX. XXXX that leaves me owing XX/XX/2019 2019
I had a checking 's account with US bank. I had stopped working around mid year In XX/XX/2018. I had one thing on automatic payments and it was trying to charge on my account. I had called to help fix that because the transaction kept trying to go through multiple times which now the USbank was charging overdraft fees every time it was trying to charge. I called several times to have this fix, they told me they would mail me the paperwork to dispute it so that they can remove the fees and I wouldn't owe anything on my account. Well now it is being reported as account abuse. I never got the paperwork to fix this and pay any balance that was actually something I owed. They have refused to work with me now instead of helping me lower my balance to what was actually paid. With this on my record I am having such a hard time opening an account or buying my dream house for my family.
I applied and received a modification mortgage thru Ditech Financial LLC. They charged just over {$500.00} for the modification increasing my principal from XXXX approx. The payments are XXXX for 40 years. I inquire as to early payoff and they claimed no penalty but although I am making extra payments and stateing they are to go to principal only they refuse to apply the funds to principal. 
They also started gouging me with fees labeled as ( XXXX ) which they claim are for inspections and mowing my Tiny ( 10 x 20 ft yard ) They claimed to have mowed it 3 times and inspection done two times at a cost of {$400.00} for 1 1/2 months added to my principal. At this rate I would never pay off my loan. They are extorting money from me for inspections that should not be done after I accept the loan and start paying and fixing up the property and for lawn mowing when I am doing that myself. There is no proof they have done anything. Why would they wait till I sign my modification loan and agree to fix up the property when they let it go for the previous 9 months before I started paying again and was letting it go? They are robbing me blind and forcing me to give up a property I can never pay off. I have no incentive to keep and fix up this property if my principal just keeps increasing more than 300 times what I am paying on this principal by these bogus extra charges.
In accordance with the ( FCRA ) Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit reporting agencies are required by Federal Law to verify physical records on the file of the original signed account or contract from any accounts you post on my credit report. 

I have formally requested to see verifiable proof of the original consumer contract with my execution of signature on the record but not NO REPLY from the credit bureaus. I have sent certified letters to Equifax, XXXX and XXXX to no avail. Below is a list of account records I am requesting said verification of. I would like to complain to the CFPB about this clear violation of federal law. 

XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) Thank you for your assistance in this matter and hopefully XXXX, Equifax, and XXXX will follow the laws laid out in the Fair credit Reporting Act.
A debt validation letter was sent to Ability recovery services in mid XX/XX/2018, I in return received a letter from them dated XX/XX/2018 stating that the debt but purchased by XXXX XXXX from original creditor said to be emp of XXXX. Letter received is also a violation of my HIPPAA rights notating hospital visit and procedures done but none proof from original credit. I have never received a letter from XXXX XXXX XXXX stating that they are collecting for said debt in the total of XXXX. Debt is till being reported on my XXXX and XXXX reports unlawfully.
The mortgage company Specialized Loan Servicing LLC ( SLS ) took over my loan from XXXX in XXXX of XXXX. SLS has never sent a statement of what is owed on the loan or proof of payments received. They claim that because there is a bankruptcy ( discharged in XXXX ) on my credit history, they can not send any statements or information. XXXX sent statements throughout the bankruptcy with a disclaimer stating, " this is for informational purposes only ... '' Those statements showed payments received, escrow payments, principle and interest, etc. I have been told by 3 different representatives that SLS can not provide such statements. Are n't they required by law to keep me informed of my mortgage balance and payments received?
Place negative reports on my credit when these accounts are not mine, I was a victim of identity theft and I let them know and had a freeze placed on my credit. They have placed this same account on my credit file XXXX. The company is XXXX XXXX XXXX and the dates where XXXX and XXXX