WillisBack/dataset-financial-user-claim huggingface dataset:
Ocwen Loan servicing is my Mortgage agency and I have been mortgage transaction with them for the past.5 years After being with them for 5 years, they sent me a note and a phone call 2-3 months ago to tell me that I no longer have escrow insurance with no reason. ( Please note : I automatically direct payment from my bank monthly. ) XXXX too is my insurance agent through XXXX. My problem is around 2-3 months ago I received a letter from them stating that I do n't have escrow insuruance for no reason. I became scared so I contacted XXXX insurance co. After a long XXXX conversation with XXXX agent, Ocwen agent and myself, I was told to write an authorized to them to installed back my escrow insurance thinking that everything has been solved. Since then almost every two weeks or so Ocwen co calls to harass me with this case. XXXX times when I call to inquire we go through the same routine and spend almost 3 hours with them, trying to solve this problem even after talking to their manager and they promising to resolve this problem. Also when I talk to Ocwen with my problem, I get people with XXXX thick accent which I can not understand them. Thanks XXXX that I have XXXX agent with me who understands them and helps me all along. 
All I want them to do is to do XXXX payment including my mortgage and escrow insurance all in XXXX that I have been doing all along for the past 5 years. Frankly Ocwen is a very bad company, they are causing me a lot of sleepless night and I am recovering from XXXX and I do n't want this to cause me a XXXX as well.
on XX/XX/2016 I filed a complaint of the mortgage company adding additional charges to my loan with no explanation. Because of CFPB they finally got it all corrected on XX/XX/XXXX statement. So on XXXX I go to the web site to make my payment and the web site will only let me make the minimum payment again and not the fully amoritized payment so I add the additional amount. Now again on XX/XX/XXXX statement they have started again charging me fees with no explaination. When is this going to STOP!!!!! I just want to make my payment correctly, on time, and have them credited correctly!! WHAT A CONCEPT!!!
I received an offer in the mail for a XXXX Checking account which stated I would receive XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX miles after opening the account and meeting the promotion terms. 
I met the promotion terms, but never received my miles. I opened an investigation with Citi regarding the promotion, and at the end of the investigation Citi determined that there was never any promotion attached to the opening account. 
This is an absurd " resolution. '' I received a letter in the mail in my name from Citi offering the promotion, and the customer service representatives I spoke with before opening the account and after opening the account all confirmed that I am eligible for the promotion. 
Now that I 've met all the promotion terms and conditions, Citi is refusing to give me the XXXX miles.
I fell behind on my mortgage payments and contacted my mortgage company and asked to start a modification so I can get current on my payments. At that point I was only XXXX months behind and was looking for a repayment plan. I was asked to send in the modification package to my case manger. I did and was then referred to another case manager. The second case manager sent me a letter saying I had missing information. I mailed in the information, I called to check on it and was told I had a new case manager. That case manager sent me a letter saying there was information missing so I sent more information. I called to check on it and my case manger was on maternity leave.... Every time I called I had a new case manger or missing information. On XXXX XXXX I finally got confirmation on XXXX of my phone calls that a case manager was reviewing my information and would get back to me. So I waited. I called the case manger a few times and could not get through I just got a message saying she was out of the office and to dial XXXX to go to someone else. If I dialed XXXX it looped back to her voicemail I would call the main number and they would send me back to her voice mail. I finally asked to speak to a manager and got his voicemail but never got a call back. On XXXX XXXX and letter was mailed out to me. I did not receive it until XXXX. It was from the case manger that was on maternity leave. The letter said that I was missing a date and a tax form but it was to late to send the information. A sale date was put on my house and my case would no longer be reviewed. I called the lawyer associated to the foreclosure and asked for a reinstatement letter. The price was so high because they let this go on for so long that I was forced to file chapter XXXX to save my property.
I paid my mortgage off on  XXXX / XXXX / 2017 , and sent the amount on the payoff letter from  Specialized Loan Servicing. I had an escrow balance that was due a full refund as taxes were not yet due., and also  paid interest through  XXXX / XXXX / 2017 , which also was due a refund. Specialized loan servicing did a partial refund, claiming the payoff wire from  XXXX   XXXX  was short $  XXXX . I have verified with  XXXX   XXXX  that they paid the amount on the payoff letter via wire. Now I am short the balance of my escrow refund and approximately {$1100.00} on my per diem refund. Several call t o Specialized Loan Servicing have resulted in nothing, except run around, hang u ps, and erroneous responses, but still no proper refund.
The original creditor Hospital is closed. Reporting on 2 credit reports as different names and amounts but both reports show the same address as the debt collection agency. Sent Hippa Validation letter never received a response.
ON XXXX/XXXX/2015 I APPLIED ONLINE FOR A {$2500.00} INSTALLMENTLOAN, AND WAS APPROVED AND CALLED TO SET UP APPOINTMENT, AND ON THE XXXX OF XXXX WE WENT IN TO THE XXXX STOREAND COMPLETED ALL FORMS ETC, AT THE END STATED I HAD XXXX LOAN ON THE STATE OF ILLINOIS ( XXXX ) GAVE ME A DENIAL LETTER AFTER STATING THEUR IS A COOLING OFF PERIOD, 3 DAYS LATER WENT BACK AND WHERE THE STAFF WAS HAVING A PARTY! ONCE AGAIN A REPEAT EVENT ... THIS FISACO COST ME AND CAUSED MAJOR PROBLEMS.
I recently moved to TX and got this phone number. I receiving phone calls for a XXXX XXXX XXXX between 4-5 times a day. I have notified the company numerous times that this is a new phone number belonging to the XXXX 's and they continue to call.
On or around  XXXX   XXXX ,  XXXX  I was notified by   XXXX   XXXX   XXXX   XXXX  that  XXXX  had posted a collection notice  to Fidelity Properties fo r a medical bill from  XXXX   XXXX  from  XXXX   XXXX  who has since closed   XXXX   XXXX   XXXX   and left the area. There was a bill for {$72.00} outstanding ? Two other  charges from the clinic where covered.     After contacting  XXXX  a nd Fidelity I was to ld they had sent any letters to me of which I never received. After MANY hours searching I found out  the Dr., Fidelity  and   XXXX    HAD TH E WRONG STREET AD DRESS LISTED FOR ME!     I paid the bill and fee wit h Fidelity  on  XXXX ,  XXXX ,  XXXX  for {$73.00} on the phone with a Check electronically with m y Credit Union.       XXXX   XXXX ,  XXXX  I filed a report  XXXX  with  XXXX  an d Fidelity and hav ing my address corrected and was told by both that this collection would be removed and my  Credit Score would b e CORRECTED. Experian still shows it has DROPPED FROM  XXXX  TO  XXXX  WITH A FAIR RATING?
I recently subscribed to XXXX, and received a phone number that previously belonged to someone else. The person who had this number obviously owed some company money. They keep calling my number, saying I 'm that person who 's liable for this debt, even though I give them my name, and tell them I do not know the person whom they owe.
And they keep calling from a number that is listed as a normal private home landline, no right to dispute, they do not identify themselves and call after hours and on sundays
A few months ago a charged off account was being reported by XXXX XXXX XXXX XXXX on my consumer credit report aswell as XXXX XXXX.I sent a correspondence to the Collection Agency and the charged off account was removed from my XXXX consumer report. Now the same account has reappeared on my XXXX consumer report this time it 's being reported by Fifth Third Bank XXXX. This is a direct violation of the FCRA and I would appreciate if the Consumer Financial Protection Bureau can look into this matter ASAP.
Since XXXX XXXX 2017 my family and I have been trying to obtain a pay-off statement from XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, TX XXXX. After months and months of contact between myself and XXXX XXXX we have n't had any success in moving forward in this process, and in the interim it has cost my family time and money. XXXX XXXX has also made contact with XXXX XXXX on our behalf and they have n't received any results either. We have reached out to various chains of command form the Operations Manager XXXX XXXX to the CEO XXXX XXXX XXXX. My plans are to refinance with XXXX XXXX  located at XXXX XXXX XXXX XXXX XXXX, TX XXXX, and XXXX XXXX has n't cooperated with them as of yet.
Wells Fargo special interest free credit cards. XXXX problems with paying the card. 
1. When doing a monthly payment, one can not put in cents. This is a problem due to not being able to take the payment and dividing it by XXXX. One needs to calculate the first payment to include the cents of future payments because there web site can not handle cents on monthly payments. 

2. This is the most egregious. When setting up a monthly payment one can not set an end date. Thus, a year from setting this up, one needs to remember to cancel the monthly payment, else they will continue to take withdrawals. You then need to request that they refund your overpayment. 

3. Their web site is unaware of payments and will not allow monthly payments until current payments are processed. It took three days for me. This was annoying because I needed to continue coming back to the site so I could do monthly payment. 

4. Although the contact people were pleasant, they were hampered by the web site being poorly set up with restrictions that there was no solution to.
Last year XXXX alerted me to a hit on my report. I contacted ABR Recovery Services LLC and they were unable to provide proof the debt was mine. I am a government cleared person and wanted this matter removed from my bureau ( XXXX  ). The agency personnel put in writing if I paid a reduced amount it would be removed. I paid. Not removed. I have email traffic that this debt was paid and was to be removed from the agency. The only thing that was done was the balance was XXXX out on the report. In XX/XX/XXXX of this year, ANOTHER ABR hit on my report. Original amount and company - a duplicate. I contacted XXXX  and challenged. Ever try to get anything done with XXXX? They told me to contact ABR Recovery. Needless to say, both accounts are still on my report. I emailed the agency and contacts I original dealt with and they replied they would remove both accounts. This has not been done. Neither dates on either of the ABR Recovery reports match, are even close, or have been deleted.
My account was overdrawn this week. That evening, I received an email from bank stating that I could incur charges on day 7 of being overdrawn. I made a cash deposit the next day. I then found out that they had already deducted {$100.00} in fees. They then began charging my account for several subsequent transactions which they claim put my account into a negative balance, totalling {$210.00}. One of the fees charged was for the institution 's own $ XXXX monthly fee. I was unable to rectify the problem at my local branch or at the help phone number.
My husband 's business card was stolen and so he had to use our chase XXXX card to make payment on XX/XX/XXXX for {$500.00} and then again on XX/XX/XXXX for {$5100.00}. We had n't used our XXXX card for several years prior to this. My husband received his new business card and frankly forgot about the two charges he made on the XXXX card and never used it again. We received no statements from chase XXXX for the charges he made. On XX/XX/XXXX I received a call that our account was several months past due. I had no clue of the charges and thought perhaps they were fraud because they were on a card we never used but I recognized one of the merchant names and said I would talk to my husband and get back to them. My husband confirmed the charges and I called back and said they were ours and I paid them that day. However I did n't feel that the {$320.00} in fees and finance charges was fair because we had n't ever gotten a statement. The customer service rep told me they were being sent electronically to email address XXXXXXXXXXXX which was an old email address that I had no choice in closing several years prior. Also I never requested them to be sent to me electronically I have statemebte sent to our physical address. I asked why statements were n't sent through postal after a couple of months of non- payment because they had my physical address and I was told they do n't do that. How about a phone call I asked because if you look at the history on my account for the seven years we used it, it was paid in full and by the due date every month. She said they do n't do that either. She was willing to remove three late fees but would n't remove any more fees. I do n't feel that it is fair to have my husband 's and my credit ruined because we did n't receive notice for over four months that our account was outstanding. We had a current physical address and phone number on file and should have been contacted prior to $ 300+ in fees accumulating on our account.
On XX/XX/18 I was called into the HR office where I work about a wage garnishment, I had not received any notification from Rothberg Logan and Warsco LLP at my home or through the XXXX County Court System. They have been garnishing my wages for several years, they have caused my daughter and I to live in a state of oppression for several years. I have a set a court date I knew nothing about until today. On several occasions they say they have not received payments that have been sent, they have put levys on my bank account, causing bills to not be paid or paid late, I have asked for them to put me on a payment plan that I can afford and the last few times I have requested to do so they want XXXX, bank statements, check stubs, etc., and to take things to court, or for things to be faxed to them when I have no access to a fax machine and cant afford to mail all that information. 

Also, I want to state that I was not served by the court I was served by my employer. Which I believe should have come from the court not the HR department. 

Also in the six years I have had to deal with this company not once have I seen a proof of obligation just letters stating I owe them money.
Date of Charge : XX/XX/XXXX Speedway Gas Station XXXX City XXXX XXXX XXXX, Pa XXXX At the time I purchased the gas - The gas attendant informed me after the gas tank was fill for my car that I could not have a receipt because the machine was broken that prints it out. Charge should have been : {$35.00} was charged {$100.00} for gas at a local gas station by my college. I disputed the charge with Capital One as soon as I saw it on my statement. I received from Capital One at letter with the confirmation of a charge for {$100.00} stating that I purchased {$100.00} worth of gas. I wrote in my dispute letter ( XX/XX/XXXX ) that I own a toyota corolla XXXX it only takes 13.2 gallons of gas to fill the tank. On the receipt from Capital One it stated from the gas station ( that Capital One Requested ) that I purchased 37.893 Gallons of Gas for a charge of {$100.00} - this is a scam they have done this to many local college students to rip off their credit cards. I also expressed this information to Capital One that they should conduct a fraud investigation into this matter. On XX/XX/XXXX I received a letter from Capital One stating that the matter was closed. I am a harding working college student ( XXXX ) this is a large amount of money for me - I work hard for everything I have. Please look into this matter and let me know your findings XXXX Attached is the letters and information )
We closed on our house on   XXXX   XXXX   XXXX   XXXX   wit h Quicken L oans. In   XXXX    XXXX   XXXX  , when making our online payment I noticed a large credit of about {$3000.00} towards the account. Not understanding where this came from I called to inquire about it. I was told that at closing they over estimated taxes and insurance and that it was going to be refunded to us. We received a check a week later. In  XXXX  we were told that they recalculated our escrow and were lowering our payment by {$50.00} per month. Towards the end of  XXXX  we finally decided what to do with the refund and proceeded with flooring and paint. Days later I received a notification that our house payment is now going to be {$200.00} more each month because they mistakenly refunded us money and they would like it back. Um. What? We called, verified and waited 3 months to spend that! Not only that, but every month, I was paying {$50.00} per month over our monthly payment towards principle, and while not an enormous amount of money that was {$600.00} per year that I will not be able to pay towards my principle. So, they are now tying this 'repayment ' to my mortgage. Can they do that? The point is that I should not be held accountable for this money as I did EVERYTHING  right.  If I call to verify and am reassured that this is indeed 'for real ' and even wait to spend it ... .I do n't really care if they are gracious enough to drop {$200.00} into my escrow account but I am still responsible for the balance. I do n't care if I had {$5000.00} sitting in my savings account ( which I do n't ), they should not be able to do this. If your boss gave you a bonus at the end of the year and then realized they gave you too much ... and then docked your paycheck for a year ... ..
While I was XXXX I was protected by the Soldiers and Sailors Civil Relief Act. I was unfairly charged massive late fees and compound interest during this time that was illegal for them to do so. I had contacted all of my creditors and sent them a copy of my orders because they are required by law to reduce interest rate to 6 %. Since then the debt from those credit cards has been sold and I can not get this issue resolved.
Thank you for the prompt answer my last inquiry, I am sorry, I was n't being specific what forms I was asking for. I am attaching this time with this email a sample of the form I need from you, I hope that will help. I have three forms from Bank of America, XXXX form from XXXX and Sample from XXXX XXXX website. Three of these forms will show the principle reduction you made to my account. If you disagree on authenticity of these document please state for me the reason. Exhibit # 1. my tax statement XXXX form XXXX. ( XXXX pages ). What that documents show are the balance of {$4500.00} and escrow balance of {$28000.00}, which have been transferred to fay servicing ( no deferred balance ). Please read carefully the important notice of information on page XXXX. Exhibit # 2 from my loan payment history document page XXXX, also shows the last balance from Bank of America which is {$4500.00} and escrow balance of {$28000.00}. Exhibit # 3 from XXXX ( the new servicer ) also confirms that, the balance you transferred is {$4500.00} and escrow balance of {$28000.00}. Exhibit # 4 from my loan payment history document page XXXX shows that you have written off ( the deferred balance ) {$280000.00}. If you disagree please give me full explanation what this reductions is. After long investigation, I have concluded that you are missing XXXX document to sent XXXX, which could clarify all this confusion. and that is Exhibit # 5. Would you please sent me a copy of that form to me and XXXX. Remember, you have sold my house by giving a fraudulent misrepresentation information about my account to XXXX XXXX, if this issue do n't resolve immediately, I have no choice but to take my case to the federal court. remainder the principle reduction program will be run out by XXXX/XXXX/XXXX. 

Thank you XXXX, XXXX
My dob has been incorrect for many years and has not be corrected eventhough I have provided verification.
Navient loan ... XXXX XXXX XXXX, XXXX, XXXX ... XXXX XXXX XXXX XXXX wants to be released. 
# XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has submitted paperwork to release co-signer XXXX XXXX XXXX from loan. 
Navient has not responded, in violation of their stated protocol for releasing co-signers two weeks after paperwork is submitted. Why is our son being discriminated against? XXXX XXXX XXXX is retired and needs the peace of mind to be released from XXXX duty. XXXX XXXX XXXX, XXXX is paying loans on time by auto pay on schedule.
This is my last and final attempt to have this issue resolved before seeking legal action against the credit reporting agencies and this company. I have challenged the accuracy, compliance and reportability of these listings to no avail, and my rights have been violated. EXPERIAN has been reporting incorrect information on my credit report for XXXX XXXX/XXXX. I have sent in several disputes to have this incorrect information deleted from my credit report. 

On XX/XX/2018, I mailed a certified dispute letter to EXPERIAN regarding the XXXX XXXX/XXXX  account, which was received by the EXPERIAN on XX/XX/2018. On XX/XX/2018, EXPERIAN responding with a form letter simply stating that the account had been verified. 

On XX/XX/2018, I mailed a follow-up certified dispute letter requesting the description of the procedure used to determine the accuracy and completeness of the information, along with the name, address, and telephone number of each person contacted regarding the alleged account, and a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I informed EXPERIAN that any automated response or e-oscar verification was unacceptable, and that they were to provide me all information within fifteen ( 15 ) days of the completion of the re-investigation. This follow-up certified letter was received by the company on XX/XX/2018. 

As of today, XX/XX/2018, EXPERIAN has failed to comply with laws of the FTC and the FCRA, by still continuing to report inaccurate, incomplete, unverifiable information, and they stand in noncompliance with the reportability of these listings thus violating my consumer rights. These violations are damaging my character and to my credit score.
I was a victim of identity theft and noticed a collection from MID-AMER ACCOUNTS CONTROL I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against MID-AMER ACCOUNTS CONTROL in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you
WE went through Chapter  XXXX  Bankruptcy in  XXXX ,  XXXX  and we put our home through as well because we had put our life savings in to it trying to clear up all it needed and did not have any more to put in it and make the payment as well.As we had put it through Bankruptcy we assumed we has to move out of our home. We did move out and into an rent and have been renting since, we just tried to buy a home and all went well until the bank saw we had a Bankruptcy and even that was ok, but then the   XXXX    came up. Bank Of America had kept the payment going till it was so high and then offered us some help that we could not afford.The bank now reports cavers be cause they just foreclosed and bought the place themselves for {$100.00} on  XXXX   XXXX   XXXX  and that is a very long time to wait and now they say depending on who we want to go through, it co uld be 2 to 3 ye ars longer. We really need your help. we will be waiting for your responses.