WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, Iowa XXXX Complaint against- Midland Mortgage XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX Loan # XXXX Complaint : I received my annual Escrow Account Statement the second half of XXXX, outlining that my principal and interest would not change for the next year of XX/XX/XXXXXXXXXX/XX/XXXX ( see enclosure ). Near the end of XXXX Secretary of Treasury stated that the Federal Interest rate would increase by a 0.25 %, after which, Midland Mortgage sent me another notice stating that my interest rate would increase by 0.25 %. I received this notice less than 25 days of when the change would take place ( which is required by my contract ), despite the date on Midlands statement. Never the less, I accepted the change and made the payments. Other conditions that Midland has not been compliant with, are them providing me the index that they use to calculate the change in rate and date of that index as well as other requirements in The Adjustable Rate Note, Interest Rate and Monthly Payment Changes, # 5 A-G. XXXX, I am informed that Midland Mortgage is increasing my interest again by 0.125 %. This would also permit them to adjust my Change Date. Midland Mortgage citing they made an error is not a defense that is acceptable. It is not justifiable that Midland Mortgage or any mortgage company be allowed to make changes to customers ARM, every time they make an error. If this were permitted, then the yearly Change Date would be futile. What I want to happen : I do not want Midland Mortgage be permitted to increase my rate after the effective Change Date of the contract. I do not want Midland Mortgage to be changing my Changing Date of my contract. Midland Mortgage trying to increase my rate is just another example of million/billion dollar companies taking advantage of consumers. This problem addresses the issues of these big companies always cheating consumers by shaving a little off the top. Such large companies shaving a few extra dollars from millions of consumers equates to billions of undeserved revenue for them and increasing the financial struggles of the American consumer. Frequently encounter examples of : XXXX overcharging for over usage of data, even though I have been close, but not over. XXXX charging for cloud usage, $ XXXXm for years, but never used, not knowledgeable of ; XXXX XXXX charge for equipment/services not requested, not used. XXXX advertised additional cost services, but later eliminate such services ( hide cancellations in small print/terminology non-specific ), but they still collected for those services. These companies know that it is counter-productive for consumers to engage in legal battles for such small amounts, therefore they are forced to pay.
I XXXX XXXX XXXX and spouse XXXX XXXX XXXX XXXX purchased a property located at XXXX XXXX XXXX XXXX XXXX, Ca.. The original Loan was with XXXX XXXX. 
In XXXX, XXXX XXXX merged with XXXX XXXX XXXX  XXXX. In XXXX, We refinanced to pay off existing loan with XXXX XXXX. Now. We are in the process of selling our property, I found out that there is a lien with XXXX XXXX, also found out that XXXX XXXX merged with Zion first national Bank in XXXX. We fully paid the loan in XXXX I sent a request to Zion National bank to remedy the lien on my property, gave them the original loan number from XXXX XXXX  which is # XXXX. 
I sent my request to Zion Bank on XXXX XXXX. To date, I have not recieved any response either by email or postal mail. I tried calling their customer service and was told that they can not find any record of my paid off loan. They said they checked under the loan number and our social security numbers, but ubavle to find any record. 
I need help to remedy the lien so we can proceed with the sale of our property. 
.Your assistance in getting the remedy will be greatly appreciated. 

Kind Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Ph ( XXXX XXXX or ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXCa XXXX emai : XXXX XXXX
on XXXX its still saying i have an open collections account with a collection agency when i paid the bill in full
Settled ( for less then balance ) on XXXX XXXX credit card in XXXX of 2014, but there is a " balance '' still showing on my credit report for this account.
Citibank lowered than closed my checking plus line of credit. Supervisors and staff state due to derogatory information on my credit report. Three aspects. One is I have told numerous people at Citibank that I am part of a special program that is going to eliminate my debit. I got my free credit report. The report shows negative on certain credit card. However I do not due business with XXXX, I have had a checking account with Citibank over thirty five years. The so called negative information on my credit report is not correct in context become I am part of a special program to eliminate my debt. The program takes time. I need to have my checking plus restored to a XXXX XXXX dollar limit as it was before. Thanks XXXX XXXX
Bad Customer Service and Withholding of funds due to the mistake in calculations and inexperienced representative ( s ). 
On XX/XX/2017 I provided Proof of HO Insurance to the USAA representative. Same date I was advised that my escrow wil be recalculated and that the check with the amount to pay for the insurance will be sent to the Insurance company. Immediately I contacted the rep and advised that I already paid the full amount for the insurance. Representative advised that the check was issued and they can not stop it and that I will need to get in touch with the insurance company to get my money back. This doubled my mortgage payment and took 60 days and still i have not received anything back. 
I have been in contact with USAA representatives ( at least XXXX different reps ) since XXXX. Every single time i am told that the conversation was recorded and the records to my account were updated to recalculate amount and that i will receive information within 2 weeks. But every single time i called /wrote back, new representative asked the same set of questions and advised that this should be taken care of and will take another 2 week. I also have a string of e-mails reflecting the same. Escrow amount had to be recalculated 4 times because they kept making the same mistake. Once finally amount was recalculated and they figured out what they need to disburse back, the check never came. I was advised that it was issued on XX/XX/2017, but when i reached back on XX/XX/2017 i was advised that they can stop payment on that check and re-issue new one. I font believe that that check was ever sent. Again, the rep. advised it will take -3 business days to cut that check and another day for delivery. It has been over 60 days and no one even bothered to make sure it is prioritized.
I have talked to this debt collector several times. The situation is considered a hardship situation beyond my control. I had to have XXXX while going through a divorce, I am a single Mom of XXXX with full custody and have finally obtained a new job and am on my feet again. It has taken me 18 months to get our lives back in order after their father left us. 

XXXX. Which in turn placed a huge burden with the balance of this medical bill that I was unable to pay. I was a stay at home mother for 7 years and did not have a job. 

I have been trying to negotiate with this company, but they will not provide a written authorization stating the payoff agreement amount. The collections agent said that they would provide a letter stating that this collection will also be removed from my credit AFTER the negotiated balance is paid. The problem is that they wo n't provide the agreed amount OR the debt removal letter in writing. They only offered it verbally via phone call. 

Now they are calling me constantly and have sent payoff offers that are hundreds of dollars more than the offer they extended on the phone. 

Due to the communication inconsistencies, I do not trust this company to take this off of my credit report once they are paid.
I was a victim of the Equifax hack. My information was leaked and released. Now i have to spend money to buy Credit protection that costs {$100.00} a year.
Credit Bureaus " EQUIFAX '' and " XXXX '' have reported on my Credit File of Three ( 3 ) " Bankruptcy '' whereas it should be only one ( 1 ). I have tried to explain in details and with supporting documentation via numerous Certified Mail and / or lengthy phone calls! To date, no response from the Credit Bureaus. <P/>The extra two alleged Bankruptcy were petitions to the Court to grant permission to sell my two properties in XX/XX/XXXX and again in XX/XX/XXXX ; not as filing bankruptcy once again. I request at a minimum the Credit Bureaus to delete the items listed below due to being reporting inaccurate information : EQUIFAX ( as per Credit Report ) : a ) Filing Reference Number : XXXX dated XX/XX/XXXX (?? ) b ) Filing Reference Number : XXXX dated XX/XX/XXXX (?? ) c ) Filing Reference Number :  XXXX dated XX/XX/XXXX (?? ) XXXX ( as per Credit Report ) : a ) Filing Reference Number : XXXX dated XX/XX/XXXX b ) Filing Reference Number : XXXX dated XX/XX/XXXX c ) Filing Reference Number : XXXX dated XX/XX/XXXX
My wallet was stolen on XX/XX/2016 with all my information social security, debit and credit cards, Drivers license. The perps have used my social to open credit card accounts under my name I 've reported the situation to the credit bureaus I 've placed a fraud alert and only XXXX has deleted the fraudulent inquiries I 've had about XXXX inquiries since XX/XX/XXXX and XXXX account was opened. I 've reported this to the FTC and my local police I 'm a victim of identity fraud and I need help. The perpetrators address has been added to my own credit report as if it 's mine.
Hunter Warfield & original creditor XXXX XXXX continue to falsely add a debt to my credit report. I have told them several times this is not my debt. The social security number and address on their orignal documents do not match any of my personal information. The only thing that matches is my name. I told them this is not my debt and they refuse to remove. I even disputed several times with XXXX. they lied to XXXX and said they had the correct social and address which they do not. When I call to talk to them they are rude and use foul languages.
As a homeowner for 21 years with not one day late, I applied for a loan modification due to economic recession, reduced income and a divorce. With countless faxes, documents ( mail or fax only ) and run around, XXXX XXXX managed to lose my documents and my payments and threaten foreclosure. I was XXXX a single mother where a family dream home became a nightmare. I finally had to file for bankruptcies to stop the foreclosure after settlement under Independent Review with a mere {$500.00}! I was once again devastated and my life is still in limbo, unstable and no success with modification from XXXX XXXX. Instead they transferred ( or sold ) my loan to Caliber Home Loans which I was relief thinking there 's light under the tunnel with new services and some relief for they allowing me to email documents and hope for a modification finally I thought. What a deception! Same lost documents, same run around same tactics as XXXX XXXX but worst! Caliber Home Loans never intent to help me with loan modification as my loan information was never set up nor attempt to modify or give me a reason but stonewalling me and not getting all the documents while collecting late fees, attorneys fees and push me further in arrear from the original loan balance from XXXX XXXX of {$170000.00} to now over {$300000.00} which is stealing my equity and my retirement!!! If this is not a slap in the face robbery, I do n't know what is. How is this practice being allow to happen in America? So unethical, so wrong especially when they promised to help, instead they are robbing you from everywhere and from behind the scenes!! Thank God my attorney let me know about CFPA and this website to finally file a complaint! Please help me to stop these Goliaths from harming me any further!!!
FOR THE LOVE OF XXXX CFPB - WILL YOU PLEASE AUDIT THIS RIDICULOUS " BANK ''!!! 

NOW - I am seeking your help with my XXXX 's card ALSO ( regretfully ) managed by Synchrony Bank. 

I made a payment online on XX/XX/XXXX, FOR MY FULL STATEMENT balance. That amount CLEARED my checking on XX/XX/XXXX. 

Today on XX/XX/XXXX the Synchrony site shows NO PAYMENT MADE, LATE FEE APPLIED!!! 

I have complained to you about this " bank '' regarding IMPROPER and UNFAIR payment processing by this " bank '' as they also manage credit for XXXX 's, XXXX, and XXXX, that I have accounts with.
Work for 5 months with loan officer to get a Bank statement loan. I was quoted 7 to  7.5 % interest, high for this market but I am self employed. I was told she would wait to lock in a lower than 7 % as there would be some better deals around XX/XX/XXXX.The lenders final interest rate on the final disclosure was 8 % I was told due to a credit line from XXXX that stated last reported XXXX which upon my own investigation is a typo on the XXXX report . I closed my loan and while signing the papers, was told I was buying down the rate from 8.25 % to 8 % for {$750.00}. I was never told in any disclosure or even verbally anything about a 8.25 % rate. I, the title agent and my realtor were shocked. I had to close today as the seller was also in contract on another home and moving to XXXX tomorrow. This hole deal felt wrong, but I needed to complete it as time ran out to pursue other avenues. I feel I was baited and switched and completely taken advantage of by this Mortgage company. Please help us to make sure this doesn't happen to anyone else. 
Thank you
My job relocated from XXXX to XXXX. In order to keep my position I accepted the new relocation. I contacted a law firm to assist me with a short sale. I could no longer afford to maintain a mortgage payment and rent at my new location. I sent monthly bank statements and check stubs to the lender to show that my income could not maintain the monthly mortgage payments. I obtained a relator to place my home on the market and received an purchase offer. GreenTree mortgage company drag this process over a year and decided not to agree with a short sale. Green Tree mortgage agent told the law firm that I went to XXXX to often and I could meet my monthly obligation. Green Tree mortgage were unwilling to work with me and drag this process for over a year. I wanted to meet my obligation but I could no longer afford this payment and meet my daily needs. I was trying to maintain my good credit standing by doing a short sale.
In 2005, I refinanced my student loan through XXXX XXXX to a 15-year term. I have made consistent payments and I kept my account when XXXX XXXX split off into Navient. Yesterday, I received notice from Navient that the balance on my loan had been re-amortized for an additional 8 years. I immediately called Navient. The representative stated that new federal regulations required that the loan be extended, and that they just had not had the time to notify all of its consumers. Is this true? Are there new federal regulations that restrict the repayment terms of a federal student loan? Can Navient restructure my loan terms without my consent?
In just a short time my private loans ( XXXX ) now serviced thru Navient went from {$40000.00} up to XXXX. Now having exhausted my forbearance, my payment options are not affordable $ XXXX/month or $ XXXX/for 27 months only. I have no alternative but to wait for garnishment. They will not negotiate the amount or waiver on the 10 % interest being charged.
Pay pal credit says I owe them money and turned it over to a collector. I do not have a pay pal credit card nor did I ever sign up for XXXX. The debt collector they hired has been calling me and my wife every day for the past 8 months. Tired of the phone ringing! I talked to them XXXX time before and told them to stop calling me.
I am a victim of identity theft.My personal information was compromised and accounts were opened fraudulently in my name without my knowledge and approval. 
This company requested that I provide detail proof of my identity theft. I sent this company my dispute, Police report and my identity theft report on XXXX but to my surprise this company have not removed the fraudulent accounts from my credit report within the 4 days as required by law. 
Again these accounts are fraudulently reporting on my report, please delete asap : 1.XXXX  XXXX XXXX # XXXX -This Account is Linked to fraudulent charges, PLEASE DELETE 2.XXXX XXXX XXXX XXXX  AC # XXXX I did not open this account, please remove asap 3. XXXX XXXX XXXX AC # XXXX*****-This account was fraudulently opened, delete asap This my third and final notice to this company as I declare my final Intent to sue.I have not received any service from these creditors either. Please block this information from my credit report, as per 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. 

Attached herewith 1. My dispute i sent to this company on XXXX 2. My police report 3. my FTC report
Freedom Mortgage bough out my existing home loan in XX/XX/XXXX. My property taxes, which are to be paid from escrow, were due XX/XX/XXXX. It is now XX/XX/XXXX, 135 DAYS LATE, and my taxes have not been paid. 

It appears, from reviewing an escrow statement, that when they took over the loan, someone there royally screwed up and did not even calculate the property taxes in my escrow account. This is their fault. 

The county revenue commissioner has sent a certified letter to me that states my property will start advertising in two weeks for a tax sale. 

I have talked to numerous people at Freedom. I called mid XX/XX/XXXX when I realized they had not made payment and was promised it would be handled by end of XX/XX/XXXX. 

These people have mismanaged my funds and have breached contract. I have never been late on a payment I expect the same from them. This morning I was promised it would be paid by close of business today but doesn't look like that is happening, either.
After the Equifax security breach, it is advised that consumer 's put freezes on their accounts with all XXXX credit reporting agencies, yet it is only Free due to the breach on Equifax. Other agencies charge {$10.00}. I feel that since Equifax is responsible, they should pay these fees for the consumer.
Transunion reported a XXXX tax lien on my credit report that does not exist. I contacted the source reported and they denied such a lien exist and wanted to know why did transunion report a lien that does not exist. After contacting transunion they deleted the lien but left my score unchanged my score was XXXX now its XXXX this is unacceptable not only is this a violation of fair credit reporting this has caused my auto loan refinance to stall and damage my credit for no reason. Contact with them has not fixed the problem and they also updated my address to one in XXXX. Legal action is my next step.
I am beyond exhausted trying to work out this situation of the false reported information on my report with XXXX XXXX. I just received a letter today dated XX/XX/2018. I sent XXXX XXXX my identifications and my police report and their credit report they had specifically sent to me showing the negative account that is not relevant to me. I also sent them a affidavit from XXXX notarized which XXXX had already resolved the situation as proof to them and all requested documents by them as well in addition to my identity theft affidavit signed and notarized. I have called them and left them several messages as they do not answer their phones or can you speak to a representative unless they received your message on their recording. The item reporting on my report is not my account ; I've sent all proof which XXXX has completely ignored and used a tactic to purposely delay investigating this to have this removed off of my report. Instead they sent me a letter requesting my driver 's license because they claim they can't see it when this is the same exact copy they received when sending me my original report so this is obviously some ridiculous tactic they're using. They're also stating they need my address verification.. XXXX XXXX has my driver 's license that has the primary address on it and they also have my mailing address at my XXXX XXXX address which I noticed in my report they only have my XXXX XXXX and not my primary address which they need to include. I need my full disclosure report not a partial report.. I need my entire report. This false reporting account needs to be removed off of my report otherwise I will sue XXXX XXXX XXXX for Defamation and I will also sue for willful injury and financial injury under the FCRA SECTION 623 LAW. XXXX XXXX needs to delete and remove this account off of my report and provide me with an updated Report with my addresses on them. This fraudulent account needs to be removed off of my
In XXXX 2015 my husband passed away and had an outstanding balance with AMEX and reward points. I was told in XXXX that if I sent them a copy of the death certificate and executor proof they would process the points for me. Called in XXXX, XXXX, and XXXX formal letter sent XXXX, form letters sent to me XXXX, XXXX XXXX,, XXXX called again and someone ( XXXX ) called back and told me I had to have a copy of the will, I faxed XXXX, called XXXX talked with XXXX to verify they had recd. Call yesterday telling me I needed an additional piece of info, either from an attorney or the court