WillisBack/dataset-financial-user-claim huggingface dataset:
Again XXXX XXXX my complaints are similar for the past years because OCWEN refuses to STEP down and do their part to address the situation. HENCE THE CURRENT LAW SUIT AGAINST OCWEN. Your company continues to enjoy skirting around my issues and responds with the same garbage change changing the date of the letters. Also XXXX XXXX the property and mortgage which I inherited at the time of my Mother 's passing was passed over to me. If you can read the items in the lawsuit, one of them is concerning assisting these homeowners, WHICH OCWEN HAS NOT. THE PURPOSE OF A LOAN MODIFICATION IS TO GET THE HOME CAUGHT UP. You provided me a loan modifications last XX/XX/XXXX which was NOT SIGNED because OCWEN PROCESSES MODIFICATION BASED ON ONLY IMCOME NOT INCOME AND EXPENSES. THIS IS AGAINST THE LAW. Again XXXX XXXX this is going to continue back and forth and I do n't see a resolution in sight because OCWEN just collects money and does not care about the welfare of the home owner. YOU ASKED ME TO REVIEW THE WEBSITE ABOUT THE CURRENT STATUS OF THE LAWSUIT. ALL I SEE IS GARBABGE ABOUT HOW OCWEN CARES ABOUT THEIR HOME OWNERS AND YOU HAVE HELPD LIKE XXXX. THAT 'S SOME PR XXXX IF YOU ASK ME. IF OCWEN CARED ABOUT IT 'S HOME OWNERS AND RESOLVING ISSUE THEIR WOULD N'T BE A LAWSUIT AGAINST YOU FROM THE CFPB. WOULD THERE BE?? THIS COMPLAINT IS ALSO GOING TO YOUR MEDIA RELATIONS DEPARTMENT. SICK SICK SICK OF OCWEN XXXX XXXX. OCWEN NEEDS TO BE SHUT DOWN WITH THE CURRENT LAWSUIT. THAT IS THE ONLY RESOLUTION
I 've applied for mortgage with EverBank on   XXXX    despite providing all the required information on time, the underwriting failed to close the loan on time  (   XXXX / XXXX /  XXXX   ), resulting in additional and unnecessary financial burden.
I received a collection notice from Crown Asset Management , LLC ( original creditor XXXX ). According to XXXX consumer access, this agency is not licensed to collect debt in the state of MA, where I reside.
In Summary, I have excellent credit. I rarely get hard queries on my report because I'm very sensitive about doing credit pulls. I went to XXXX XXXX and my wife wanted to buy something. They offered me an additional 25 % on the purchase if my XXXX 's account was inactive. I said what does that mean, they responded, if you're account hasn't been used in a long time ( undefined at the time ) you could be eligible. I said sure is there an easy way to find out. They said yes. I explicity stated there is not credit pulls on this, is there - they said no. I said great. Then they noticed my card was expire or wasn't updated because new cards have a chip. They said we can reissue you a new card. At this point i got home and received a new card in the mail and sure enough, i got an alert from my credit monitoring company that XXXX XXXX XXXX ran credit on me WITHOUT my consent. I have emailed and called XXXX 's about this with no response. I will be pursing legal action on XXXX 's if they don't get this remidated. I noticed i could file a complaint with CFPB because i'm sure others went through this exact process and this is plain freveloous not letting customers konw they are doing a credit pull without the express content of their customers.
My mortgage provider, Freedom Mortage, has refused to cancel my PMI now that the LTV is below 78 %. They are demanding that I get an appraisal and that the percentage of automatic removal is based on the age of the loan. In accordance with the Homeowners Protection Act and Consumer Financial Protection Bureau, they are required to cancel my PMI at 78 % of original value at anytime it occurs. 

Per Freedom mortgage, the principal balance on the loan is {$230000.00} and original appraised value is {$300000.00} XXXX although it would be even higher than that now ). But even with these numbers, it is an LTV of 75.9 %. 

I originally requested removal of PMI in XX/XX/XXXX/XX/XX/XXXX. At that time, I was told that it would be automatically removed in XX/XX/XXXX. This did not happen. I called back in XX/XX/XXXX and in XX/XX/XXXX, and I was told they would start the process. Once again, nothing happened. 

On XX/XX/XXXX, I spoke with XXXX ( employee ID XXXX ). He said, and I quote, for some reason, the PMI removal process didnt start on its own when it was supposed to. He and his supervisor, XXXX, assured me that two things would happen : 1 ) PMI would be removed by XX/XX/XXXX ( 5 days from the phone call ) and 2 ) due to this being Freedom Mortgages error, wed be credited the amount that we overpaid our PMI ( IE the amount of PMI paid from the time the LTV hit 78 % to present ). XXXX said he wasnt sure if we would be reimbursed via a check or directly through our escrow, but he would have the cashiering department contact me about that. Once again, nothing happened. 

On XX/XX/XXXX, I received a letter stating : for loans aged between 2 and 5 years, the LTV has to be below 75 %. We have had a loan longer than 5 years on this home, but just not through Freedom Mortgage. Please note, it was NOT by our request that Freedom Mortgage took this loan over. They simply bought the loan from our previous provider, XXXX. We should NOT be penalized for something we had no control over, and quite frankly, didnt even want. We have never had a late payment, and weve specifically been paying extra toward our principal to get PMI removed more quickly. 

On XX/XX/XXXX, I called back again. I was told that PMI would be automatically removed in XX/XX/XXXX because that was the schedule, based on minimum payments, for it to fall off. When I inquired about the fact that Ive been paying extra principal for years in order to get it removed more quickly, I was very rudely told ( by XXXX, employee ID XXXX ), in so many words, that it is only 8 more months of PMI that I have to pay and to just XXXX it up. 

Based on LTV, weve been wrongly paying {$110.00} of PMI for the past 13 months, and according to Freedom Mortgage, will have to continue this for another 7 months. That is {$2300.00} ( $ XXXX ) of overpayment that I should be reimbursed for. 

Thank you
I went to court, they said they would schedule another meeting or cancel the debt. If one was even sent I did n't get the notice because I moved. They do not have enough evidence to state that I owe that money. The statements as proof that they provided did not go as back to validate the debt they are claiming.
I originally got approved to have a home built on my property by a company called XXXX XXXX and later they sold my loan to several other comp, anies every five years my loan get sold, I can remember a few names one is lending tree and now Ditech has the loan. I tried to refinance my loan thru lending tree they said that they don't do refinancing, And here is the kicker a company name lending Tree called me said that they could lower my mortgage payment and they said that I had to send nearly three thousand for fees, so I sent the money and found out that it was a scam the people that was a part of the scam was caught and was sentence to prison, my thing is I called lending tree the number that was on my mortgage payment and later after I hung a scam company under lending tree called me, how did these people know that I had wanted to refinance my loan, I think and know that this was an inside job. I was pressured at the time I signed the contract, I was nearly homeless so I sign the contract because the lady said that if I didn't sign that they would not do another contract if I didn.t sign that one, my intrest rate is very high I tried to refinance again I was told that my contract doesn't allow me at all to refinance and that Ihave to pay the amount of interest until the loan is paid
Over one year ago I ordered a chair from a company in XXXX, Ky. In order to complete the order which would take six weeks to get the company rep. took my information and stated they had special deals with a particular credit card company. I obtained the account information with a few weeks ( listed below ). After seven weeks I had not received my custom chair as ordered. I contacted the chair company and was told it would be at least another six weeks, because they were so backordered. I asked the rep to cancel which she promptly and courteously agreed and I have no further correspondence. The chair company rep did give me the " credit card '' company 's toll free number in to cancel the card account since I did not need another card and was not going to get the merchandise I was going to get on the credit account. I contacted XXXX XXXX and asked them to close the card account, to which the agreed. I have never used this card account or received any merchandise or service charged to the this account. They continuously harass and send me threatening letter and phone calls. I get statements which I have disputed in writing but stye continue to send account statements show interest and late fees being billed to me on this account and the original amount of approx. {$300.00}. As i have stated to XXXX XXXX reps many times, I never received the merchandise that was first order that started the account and I have advised them of this several times.
I would like to have Bank of America return the {$1000.00} early payoff fee that they charged my husband and I when we refinanced with another bank and closed out the HELOC loan with Bank of America on XX/XX/2016. We have had numerous calls with the branch manager and with the resolution department and have not had a logical response for the charge.
I had a XXXX in XXXX 2016 and went on the income=driven repayment plan as both my husband and myself were not working. I was advised by XXXX that the Federal Government would pay all of the interest on my subsidized loan and half on my unsubsidized loans. However, I do not believe this ever happened. I have contacted XXXX approximately ten times over the course of the year and each time have received totally different responses. At various times I have been told 1 ) they bill the Federal Government quarterly ; 2 ) they bill once a year ; 3 ) they had billed and were waiting for payment ; 4 ) that interest had stopped accruing on my account from the date I went on this plan, and most recently that 5 ) the government had already paid. However, NO record of payment has shown up in my account and it appears that all accrued interest was capitalized.

I am extremely frustrated. I do not believe that their customer services know anything about this process and keep trying to give me the run-around about what has happened. Today they claimed there had been payment but they could not provide me with any documentation of that payment, and it appears the balances are the same ( including the capitalized interest ).

It appears to me that the customer service agents have no idea how this process work, and make things up to cover for their lack of knowledge. I have spoken to supervisors there and continue to get the run-around. Today the representative I spoke to offered to transfer me to someone with whom I could file a formal complaint ; after being on hold for 20 minutes I gave up.
I live in an area that was a federally declared disaster area because of hurricane Irma. After the hurricane, my mortgage company told me that I could defer payment of the mortgage for 3 months ( until XX/XX/XXXX ) since I was recovering from the hurricane and that the deferred payments would be placed at the back of my loan. At the end of the 3 months, when I contacted the mortgage company, they told me that the program was extended for an additional 3 months ( until XX/XX/XXXX ). In XX/XX/XXXX, I was told that the loan would be modified and the deferred payments would be placed at the back of the loan. I contacted the mortgage company in XX/XX/XXXX to find out what the process was for modification ; I was told to send in multiple documents which I did. After submitting all the required documentation, I checked the status of my modification online every day for the next month. I called on numerous occasions to inquire about the status of the modification and to inquire about the payment. I was told that they were working on the modification. I was told not to send in a payment for XX/XX/XXXX because it would be rolled up into the modification. In XX/XX/XXXX, I was told that my modification was denied because the payment would go up from approximately $ 2000/month to approximately $ 2120/month and that they were not allowed to modify a payment if it increased the payment. I was then told that I could get on a payment plan that would require me to pay approximately $ 4000/month for 6 months which could be extended another 6 months until my account was current, but that the denial was not complete and that they were still working on the modification. I received an email notification that there was a new document on the loan and when I logged into the website, I saw that there was a modification denial letter. I called back the mortgage company to inquire about the payment plan again since the modification had been completely denied and I was told that I am not eligible for the payment plan any longer because they had sent out a demand letter for the total monies past due on the loan which is {$16000.00} within 30 days. I told that mortgage company that I do not have the money and I would not have it within 30 days. I asked what would happen if I didn't pay it in the 30 days and the mortgage company told me that they would foreclose the very next day and sell my house. I can not lose my house because I am a single mother of XXXX and I am caring for my sick mother as well who is on XXXX. I really need help.
I recently contacted credit collection servic in XXXX, MA on XXXX XXXX to dispute a debt in collections. I spoke to a representative who was really rude and disrespectful to me. I informed the representative that I wanted to dispute this debt. After informing the representative of my request her tone of voice changed, she began to ask me many questions as if I was lying about the reasons why I wanted to dispute this debt. When calling a debt collection agency I do n't want feel intimidated by the representative. The representative acted as though she did n't want to give me the necessary information needed in order to dispute this debt. I would like for this issue to be looked into. If this issues has occurred with me I 'm sure it has happened with many other innocent people. This issue could possibly cause for legal action to take place.
I never applied for the said student loan nor i had ever intended or will ever intend to apply for student loan with XXXX XXXX XXXX. I had informed the company and the company requested affidavit confirming this and I, a victim of ID theft, has executed the attached affidavit to that end.
I received a call from a representative at XXXX XXXX XX/XX/18. I spoke to her for 4 mins. I then received another call from them and they left a message. I called the company XXXX with a supervisor XXXX XXXX she advised me she would coach and address the situation. I then received yet another call at XXXX XX/XX/18 from XXXX. I called back in and spoke with XXXX again advising I know my rights. I feel as if the intent is to continously call and annoy me on my cell phone
I closed the Discover Card and they charged me the amount of {$84.00} I owed to XXXX XXXX. However, Discover card has not paid the amount of {$84.00} to XXXX XXXX. Discover card stole my money of {$84.00}. XXXX XXXX is still asking me to make this payment which if I make will be a double payment. I still want the Discover card to be closed. Please make them pay the amount of {$84.00} to XXXX XXXX.
Unable to have XXXX, XXXX, and TransUnion ( XXXX XXXX ) update my credit reports for creditors XXXX XXXX XXXX XXXX ( credit card ) and XXXX XXXX XXXX XXXX ( auto loan ) to current and correct data. I have disputed these creditors at least four ( 4 ) times in the last three ( 3 ) months. They keep sending me credit report updates that state, " Results : DISPUTED INFORMATION UPDATED ; ( OR ) DISPUTED INFORMATION UPDATED AND OTHER INFORMATION UPDATED. '' After reviewing credit reports, the information is still unchanged. 

The following creditors have been disputed with NO updates on credit reports : Creditor 1 : XXXX Bank XXXX XXXX XXXX ; Dates disputed : XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX. 
Dispute : XXXX XXXX and XXXX XXXX payments not " 30 days late. '' ( Actually confirmed with XXXX XXXX XXXX XXXX XXXX that they ARE NOT late. ) Creditor 2 : XXXX XXXX XXXX XXXX ; Dates disputed : XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX. Dispute : Data entry is not current/correct.
My wife and I have XXXX IRAs with Morgan Stanley. Since our balances were below a certain amount ( XXXX have a little less that {$2900.00}, but over {$2500.00} ) they have been selling off shares every year to pay a " past due acct fee '' totaling {$50.00} to {$150.00} per year ( the statements and wording is hard to understand ) Last year was the first time I realized what they were doing. So of course the accounts have never gained much in value, as the fees wo n't allow it. 

My wife 's account ends is XXXX So the company that should be helping me accumulate wealth is doing just the opposite to me and my wife. 

What is surprising is that I 've been with them since around 1996 and have a third account that has had values between {$25000.00} to {$50000.00} and no advisor has ever suggested that I do something different to avoid these fees.
I recently relocated and during my relocating, I have been made aware that I have a fraudulent debt on my credit report from Financial Management Solutions LLC ( FMS ) located at XXXX XXXX XXXX XXXX XXXX, MD XXXX for {$1300.00}. They are claiming this debt was acquired from money owed to a rental management company called XXXX XXXX that went into default XXXX. I did not move into the property until XXXX/XXXX/XXXX and when I moved in XXXX, my lease was well expired, I was up to date with my rent payments and had a good walk through and relationship with the management company. I never received any outstanding bill, phone calls, etc in regards to any outstanding debt. I do not owe XXXX anything and when I called XXXX XXXX to inquire about this debt, I was told " I do n't know what you 're talking about, you do n't owe us anything ''. I sent a letter on XXXX/XXXX/XXXX to FMS requesting a validation of debt to and as of XXXX/XXXX/XXXX, have received no response. In the meantime, this debt is on my credit report and is affecting my ability to support my family. I have been in the process of hiring an attorney ( XXXX XXXX XXXX ) in this matter and will update with more information once it has been received.
I discontinued insurance with XXXX and ended my policy. I was told by XXXX  that the policy amount was prorated and I paid for the amount of service i retained. I told this CCS company that this was settled and please stop sending harassing letters because I don't owe XXXX. Company has not responded to the requests I have made for proof and to please close and remove for my credit reports. I have also contacted the three credit bureaus for an  investigation.
I was in the process of re financing my home, I was working with a few different mortgage companies trying to find the best deal. XXXX of these companies was quicken loans. I made a decision to go with a local company but the banker I was dealing with at quicken loans using their aggressive tactics told me " the rates went up this morning but lucky for you I locked you in already. '' Not knowing everything about mortgages like most people, He made me feel like I was already stuck and I had to go with him. So I went ahead and filled out the mortgage application and within minutes they had my credit card info and charged me a {$500.00} deposit for the appraisal and credit info. I felt this was quite quick but knew It was part of it so it was fine.. 
I was rubbed the wrong way from the very beginning and felt uncomfortable using this company, so I asked around and also the lender I wanted to work with and found out I can back out and cancel the loan and if I did it soon enough I could get all my {$500.00} back. So this is what I did, I called Monday morning the XXXX of XXXX and cancelled my loan. I told the banker I want to stay on the phone until it 's 100 % finished. He then told me it 's done. There is nothing more you need to do. I then asked him to transfer me to the right person to talk to about getting my refund to my credit card. As I spoke to the woman in that department she told me everything was final and it would take 7-10 business days and I would see my refund. So I waited until Friday XXXX XXXX and never saw my refund, so I called to find out what was going on. A lady in customer car looked up my info and said you 'll see it on Monday and to call again if it 's not there.. Monday comes, no refund. So today, Tuesday morning the XXXX of XXXX I called again to find out what 's going on. I get another lady in customer care, as she looks up my account she tells me they have n't even started the canceling process, and this process will take their team 8 days to complete and then the refund will come 7-10 business days from that. It has been 15 days and I will not receive my {$500.00} refund from a multi-billion dollar company for at least another 2-3 weeks! 5 weeks in total is completely unacceptable. It 's a credit card, very easy to refund a charge.. 
The high pressure, plus using tactics to make me feel trapped just to take my money as fast as possible and then give me the run around and hold my money hostage for as long as possible so they can make more money is downright disgraceful and I am absolutely disgusted with this company. Hopefully something happens with this and consumers are warned about working with any company like this.
I opened a checking account years ago and did not realize that it had a monthly fee attached. Unfortunately, I never got XXXX email or letter from the bank until almost three years later when I got a letter stating that my account was overdrawn. Since I had never used the account ( and frankly, forgot about it XXXX, I was concerned that someone had fraudulently gotten my acct. number and had drained the account. When I called customer service, they told me that I had been charged {$9.00} for the last XXXX years. If I ( or anyone for that matter ) were aware that they were being charged a monthly fee for years without ever using the account, I would have changed the type of account or closed it. When I said I had never gotten any statements or notifications, they said that I had access online and furthermore, email notifications. I had never gotten XXXX single email or letter from Citizens in all that time. They told me my email address ( and it was incorrect - off by XXXX letter ). After speaking with several customer service representatives, they best they could do was to refund two months of fees. The motto, " Good Banking ... Good Citizenship '' should be changed to " Good Banking ... Good opportunity to steal our clients ' money! ''