WillisBack/dataset-financial-user-claim huggingface dataset:
Flagstar Bank, XXXX, XXXX Michigan is unresponsive [ and incompetent ] to all requests sent by me : by telephone [ ( XXXX ) XXXX ] - failed to reply ; emails [ XXXX ] - failed to reply ; XXXX letters, failed to reply beginning XX/XX/XXXXand continuing thru to today,XX/XX/XXXX when they closed my case inquiry : number XXXX saying it was " resolved ''. It was not and is not. My requests centered on failure to timely pay my escrowed money for my XXXX taxes ; account for where my escrowed money was sent ; selection of XXXX as a servicing agent without my consent or approval and overall failures of Flagstar to provide any service on any level to any of my questions or requests. I believe they have breached their fiduciary duty to me in the handling of my escrow. I believe my escrow is my money and have acted only for their convenience and generally not on my behalf. I believe Flagstar 's actions are negligent, intentional and devoted to defeating consumer complaints. Flagstar 's customer service is misguided, uninformed, lacks competency, provides wrong answers and is designed to provide as little interaction with the consumer as possible. When letters and emails are sent Flagstar 's uniform practice is to ignore the inquiry & content and not reply.
Nationstar Mortgage XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : Loan # XXXX This complaint is against Nationstar Mortgage because I successfully modified my current mortgage and I am not accepting the terms due to atrocious numbers. Foreclosure has begun. 

Approved for HAMP Tier II Denied for HAMP Tier I I have been using the XXXX XXXX XXXX for advice : I went to my court appointed hearing and XXXX District Court Judge XXXX would not help me with forcing restructuring of numbers. 

My current loan is XXXX at 10.8 % interest for 30 years. 

Nationstar took over my mortgage from XXXX XXXX XXXX which took over from XXXX XXXX. 

The HAMP Tier II is for {$100000.00} 40 years at 3.75 % interest with balloon at end {$35000.00} My property value is {$40000.00} I live at property and maintain and upgrade constantly. 

It is my hope that we as AMERICAN CITIZENS do not allow these banks to bully us around. They are trying to take over our properties and therefore ultimately take over AMERICA. 

If possible I would like the State of XXXX and US Government to intervene on my behalf and structure a FAIR mortgage for me. 

This will prove to the banks who writes the laws and enforces them. 

Thank you, XXXX XXXX
I was charged for an appraisal for a home mortgage from Prime Lending, that I did not order, sign up for, or agree to pay for. 

This is the last correspondence from the lender : XXXX XXXX XXXX to me, XXXX XXXX XXXX, We are all set to move forward after reviewing your income. Most important next step : you should 've received an email to e-pay for your appraisal. Please be sure to do that today so that we can order your appraisal. We need to get it ordered quickly since VA appraisers take up to 2 weeks to get reports in. 

We are beginning processing your loan. 

Let us know if you have questions. 

Thanks, XXXX. Loan Officer PrimeLending NMLS # XXXX Office Direct : XXXX Cell/call or text : XXXX Apply online : XXXX I did not follow through, since I found a better offer.
I applied for a conventional mortgage with Chase bank at XXXX XXXX XXXX XXXX, XXXX, FL in late XX/XX/XXXX and was told if I took an online XXXX XXXX XXXX course I would receive {$500.00} after my closing. The course was recommended by the branch 's lending manager, XXXX XXXX, and became a requirement for me to complete during the underwriting review process. I completed the course on XX/XX/XXXX and sent the completion certificate to my loan officer, XXXX XXXX, which was then provided to the underwriters. I closed on XX/XX/XXXX after a terribly stressful process with Chase staff. To this date I have not received the {$500.00}. 

On XX/XX/XXXX I sent a message via my Chase mortgage secure message center asking about the {$500.00} credit. The Home Finance Support team responded that they had no record of it. They said they would have to forward the matter to Home Resolution, although I have not received any notice that this was done or that Home Resolution is actively working on it. As it had been two weeks without any communication, I sent an email to XXXX XXXX and XXXX XXXX on XX/XX/XXXX for their assistance. XXXX XXXX responded that " the agreement was made directly with XXXX XXXX '' and that he was out of town until XX/XX/XXXX. On Monday, XX/XX/XXXX, I called XXXX XXXX 's cell phone and left a voicemail, which he did not respond to. On XX/XX/XXXX, XXXX XXXX responded to my second email with : " Since you sent your initial email to the escalation department I work through them for resolution. They will be reaching out to you with their findings and resolution to this matter. '' His response was disappointing as I felt he was not willing to help me resolve the issue and each Chase department seemed unable to do anything. I then sent an email to Chase Executive Director Home Lending, XXXX XXXX, to ask his assistance. XXXX XXXX responded and asked XXXX XXXX to respond with detailed facts, however, XXXX XXXX has not responded. I am still waiting for Chase to inform me as to what is being done to honor their {$500.00} offer. Furthermore, I do not want other prospective mortgage applicants to go through this same experience.
I have a dispute with the credit bureaus, all 3 have reported my score dropping 33 points between XX/XX/2018 and XX/XX/2018 when I checked it. 
Not one of them could tell me the event that caused it. Have yet to hear back from them and it has already been 3 weeks.

The credit bureaus are telling me to contact Capital ONe, Capital ONe is saying it is the credit bureaus fault and in the meantime I am not getting any answers from either one. 

My credit report with XXXX  showed that on XX/XX/2018 Capital ONe did a credit inquiry without my consent or knowledge. Subsequently the very next day they closed my account without my consent or knowledge. They have since reopened it sometime later to cover up their mistake. This is the only event that could have caused my credit score to drop. 
Capital One has denied doing this and suspiciously right after I filed the initial dispute on XX/XX/XXXX, all of a sudden I can not view this information on my credit report any more.
My mortgage was purchased from  Bayview Loan  servicing in  XX/XX/XXXX    while I was in a chapter  XXXX  BK. I completed the bankruptcy  XX/XX/XXXX . I have repeatedly tried to discuss my account with them in reference to them reporting to all credit bureau that my account was past due ( even though it was not and if it was they can not report while a person is in bankruptcy ) they were reporting the mortgage as closed and I was not receiving a monthly invoice. I also made multiple payment that they were putting in a suspense account instead of applying it to my mortgage and my escrow account that I was short. On numerous occasions I was advised they could not discuss my account because of they Bankruptcy status. I was asked to fax over proof the BK was  discharged which I  did but they said they never received. I called my attorney who sent over proof and then they stated they needed proof from the courts. After becoming irate and someone finally listening to me they sent my account to the escalation department last month (  XX/XX/XXXX   )  where I gave all my concerns to  XXXX . She informed me that she will research and get back to me. She did call me back and advise that the credit bureau has been corrected my account is in a current status. and I will start to receive monthly invoices. I just received my  1st i nvoice  XX/XX/XXXX  and to my surprise it shows I am past due {$1200.00}. I then called to get an explanation and was continually transferred to a generic voicemail for a  XXXX . But I hung up and call back 3 times and finally a  XXXX  answered I explained my concerns he advised I am current but when I question why did I receive a invoice showing the {$1200.00} past due he advised me that while I was in bankruptcy I was late or fee was accrued. I explain before my BK  was discharged the cou rts sent a letter stating if any fee or past due payments is due they need to respond because my BK was about to be discharged.He then became combative and said I need to fax in my dispute. I advised no I need to speak to  XXXX  in escalations because she assisted me last month. He then lied to me and said they do not talk to customers and I need to fax in my request.
XX/XX/XXXX I filled bankruptcy in order to prevent my home from entering foreclosure as a result of my husband, then, mischeivousness. In XX/XX/XXXX, I divorced my now ex-husband XXXX. With this divorce he relinquished all rights and all claims associated to my present residence. It took me several months to acquire my mortgage and the change of address and my mortgage statement coming to my home address. I have had several correspondences with Wells Fargo regarding the assumption of the Home Equity Line of Credit. According to my lawyer, I should take the divorce decree and have them transfer the Line of Credit in my name. I have also made payments without acquiring a statement of receipt. In addition, I furnished them with an entire copy of my divorce decree ( page 3, Article 2 ) stating that " the husband shall surrender any and all claims to said property, and that husband should cooperate fully in signing and documents of said property ''. To no avail, they refused to make changes even though its based on higher hierarchy- Supreme Court of the State of New York . I 've made several attempts to make amendments but, they refused to converse with me due to the fact I 'm not the holder of the Equity Line of Credit. Equally important, I received a document from the United States Bankruptcy Court which clearly states at the bottom " Other payment change : Will there be a change in the debtor 's mortgage payment for a reason not listed? the box checked yes. and the reason for change is Payment change resulting from an Equity Line of Credit ''. It may not have been included in the initial bankruptcy documents however, changes and funds are being withdrawn for payments and they are not being applied based on the documents on-hand.
I began disputing these items on my credit report with the credit bureaus and the creditors beginning in XX/XX/XXXX and continued you to dispute them on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I do not believe the items reported by XXXXXXXX XXXX, Capital One and XXXX XXXX are reporting these items to my credit report in compliance with the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.
I have sent the form to change the amount I pay multiple times, most recently I faxed the form with income verification on XXXX/XXXX/XXXX and XXXX has not responded to this or the two emails I sent about it. 

They incorrectly assessed my income based on one pay stub. I do not work the same hours every week so I do not make the same amount of money every two weeks, they should be basing my income on my tax statement. NO ONE WILL RESPOND to my request.
To Whom It May Concern : I am disputing the following items that have been posted to my credit report ; therefore, please remove or update the status of these based on the reason of the following : Company Account # Amount 1 ) Dept. of XXXX Acct # : XXXX in the amount of {$9200.00}. 
2 ) XXXX. of XXXX Acct # : XXXX in the amount of {$12000.00}. 
3 ) XXXX. of XXXX Acct # : XXXX in the amount of {$8900.00}. 
4 ) XXXX. of Ed/Nelnet Acct # : XXXX in the amount of {$14000.00} 5 )  Dept of HC FAM SVS Case # : XXXX in the amount of {$77000.00}. 


1 ) XXXX of XXXX # : XXXX This account has been resolved as of XXXX XXXX with a payment arrangement and consolidated into XXXX account # : XXXX and this information should not be in collection file and deleted immediately from my credit file. 
2 ) XXXX. of XXXX XXXX XXXX Duplicate Posting Please Delete Immediately. 
3 ) XXXX. of XXXX XXXX XXXX Duplicate Posting Please Delete Immediately. 
4 ) XXXX. of XXXX XXXX XXXX XXXX XXXX. Please Delete Immediately. 
5 ) IL XXXX XXXX XXXX XXXX XXXX XXXX Case # XXXX the was the incorrect amount and should be adjusted to the correct amount and not past due. Please update file as Paid as Agreed.
6 ) All accounts labeled XXXX XXXX. of Education Collection accounts are Duplicates that should be Deleted Immediate Pursuant to the payment arrangement and where Duplicates Fraudulently Posted to my Credit File to Sabotage my personal Credit Worthiness The above items should either be deleted or updated immediately in my credit file. Moreover, I noticed several multiple postings in my credit file by several of the above companies, which is illegal according the Fair Credit Reporting Act. Please update my credit file immediately or further litigation will follow including filing a complaint with the XXXX XXXX XXXX. 
By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract, note or other instrument bearing my signature or a documented record of payment history. 

Failing that, please update my credit file to show : PAID IN FULL, NEVER LATE, or delete the items from the report as soon as possible. 
Moreover, I noticed several multiple postings in my credit file by several of the above companies, which is illegal according the Fair Credit Reporting Act. Please update my credit file immediately or further litigation will follow including filing a complaint with the XXXX XXXX XXXX. 

Yours truly, XXXX XXXX XXXX XXXX
I hired XXXX XXXX to recover two accounts for me. However I called / emailed them prior to them starting the collection process to cancel one of the accounts because I personally had collected the funds. Through numbers emails and phone calls with my " sales manager '' I told them to stop collecting. They failed to do so as the customer called me stating they were still calling him even after he personally told them he had paid me directly. I received an invoice from XXXX which detailed them taking 50 % of the correct account and 50 % from the 2nd account and per their invoice it states that they should be paying me {$180.00} for the collection of account # 1. I have received numerous calls each day and finally asked them to direct all communication through my attorney and provided his name. Today I receive and email stating : I can assure you that we will not cease our efforts to recover the fees due to our office. We will be relentless in our pursuit of this balance. 
Make your payment now to avoid the additional expenses of litigation and derogatory credit reporting. 
They are a deceitful company and owe me money but instead they would rather try to collect a fraudulent invoices.
In XXXX my husband and I refinanced out home with Country Wide Home Loan to consolidate a first and second loan, substantially lower interest rate and cash out some equity. When the original loan was started in XX/XX/XXXX we were not married as of yet but was married prior to final documents being signed therefore the property remained solely in my husband 's name since he had purchased the property a couple of years earlier. In XX/XX/XXXX a second was taken out which was a joint loan and therefore changed title on property. 
After finalizing the refinance in XX/XX/XXXX a loan agent approached us that the rates were coming down again and we should refinance again to lower our payments however advised us not to include my name as I had student loan debt. we were assured nothing would change When Country Wide failed Bank of America assumed our mortgage ow recognizing only XXXX as the sole owner and I as non existing. On XX/XX/XXXX XXXX, my husband unexpectedly passed away. When I notified B of A of his passing the options given to was to be appointed as executor of the estsae,, sell, continue to make payments with no legal interest in the property or assume the loan which involves qualifying to do so. 
In XX/XX/XXXX I was placed on XXXX due to health issues seeing I am not XXXX years old at the time of XXXX 's passing and knowing my main goal is to keep my home where we have lived in for almost thirty years. Where we have raised our children and had the pleasure of welcoming XXXX grand children was absolutely daunting. 
After much exchange of information with B of A they now are granting me information on the loan but the no legal authority. I am in the process of working with Keep Your Home California however they are requiring a new modification which B of A sent me an application for but when I phoned to request information was informed the modification would not be granted if I did not assume the loan. 
The deed to the home is now in my name going through paper work we found copies of the XX/XX/XXXX loan where on XXXX different papers my name was listed with the word borrower as well as letters from ReconTrust the note holder of the property when we fell behind on payment after a prolonged layoff. 
I feel victimized seeing we were lured into a loan where my name was omitted but led to belieie it was no big deal since we were married and the house was in my name I feel this was extremely predatory and fraudulent and B of A needs to do the right thing. 
The loan is current and in good standings however XXXX of my kids have moved into assist me financilly but are in the midst of purchasing their own home. I want m home not only because I have paid for it for 29 years and is modified for my XXXX issues
I contacted XXXX credit reporting agency today X/X/2018 to verify that there are no negative accounts reporting on my credit report. I had a few accounts that did not belong on my credit report and disputed them. XXXX did there investigation and it was confirmed to delete the negative accounts. I am very pleased that it was confirmed there are no negative accounts on my XXXX  credit report however upon checking my kohl 's account there is a history code with a number 1 next  to it which means there was a late payment I resolved this issue with kohls directly months ago and it was agreed they would remove that code which they still did not do. Upon speaking with the XXXX  rep I was advised that some of my accounts are not reporting a history code. I was advised to contact the creditors to ask them to please report the history code on these accounts as they are all accounts that are positive and in excellent standing which helps my credit score. I did not get anywhere so I am complaining to the cfpb in hopes of resolving this issue. The accounts that are not listing my history is " XXXX 's card '' I have 2 accounts with them. Another account is Capital One '' I also have 2 accounts with them as well. Another account is my XXXX/XXXX XXXX/XXXX  accounts that are also not reporting the history. All of these accounts on my part are showing as Paid as Agreed Never Late however on XXXX 's part this information is not showing. I was advised if my credit is pulled they will not see these comments. Which would affect me in obtaining credit. I am doing as I was advised by XXXX.
A long time ago I went to XXXX XXXX XXXX XXXX to buy a vehicle. I went there because I saw the price reasonable for a XXXX XXXX that was {$2500.00} if it was paid fully cash. So I gave {$1500.00} down agreeing with them that I was going to pay the rest soon. From that point, the confusion and fraud started. That day, we were talking about the vehicle, payments, etc.. they were speaking to me while handing me documents. The documents they gave me agreed with the conversation we were having. Everything that day was great, I even went home with the van and I though it concluded they way it was supposed to.. Then Westlake Financial Services called me about the vehicle, telling me that I had to pay the double of the vehicle original value. I told them to give me an explanation about what was happening but they did n't tell me much, just that the dealer sent them the purchase documents. I contacted the dealer for an explanation but they did n't help me either. Then I took all the documents they gave me and I started to review them. The documents I have are the ones with the correct prices but my signatures and initials were n't there ( I have the documents as prove ). XXXX of the mistakes is that In the dealer document it says that I gave {$500.00} down payment while Westlake document says I gave {$1500.00} ( which I gave to the dealer ). I contacted Westlake Financial and they told me that they were going to send me the documents the dealer gave them. So I received only XXXX documents that looked like mine but the information on them was totally different, and I realized that my sign and initials were there! .. So how did they do it? How is that the dealer gave me different documents and Westlake another XXXX. Did they switch it? I do n't know, but what I know is that in my hands are the documents I was supposed to have. I was trying to contact them all the time so they could help me but they did n't. I did n't know where to look for help so my only option was to pay because I needed the vehicle. I found out about this website and I decided to make a complaint because I do n't want them to get away with this. Probably those 2 companies have a business going on scamming decent people.
I just received an unsolicited call from someone saying they were " the division of student loans ''. when I pressed, they told me their actual name was XXXX XXXX XXXX, XXXX out of XXXX, California. I asked if they charged for these services and was told " yes ''. After reading information on your website I decided to file a complaint. Although I did n't pay them anything, I just wanted to report it. It 's hard enough to pay back these hefty student loans without having some opportunistic crook trying to take advantage of you! How are these predators allowed to exist?
XX/XX/XXXX {$2600.00} XX/XX/XXXX{$3500.00} I have tried numerous times to talk to them about some type of payment plan and they refuse to help me out
TO WHOM IT MAY CONCERN : On XX/XX/2018 XXXX charged my Chase Bank debit/credit card via an auto renewal. I never set up auto renewal and they only had my card because of other services I had purchased. I contacted XXXX to follow-up on the unauthorized charge. I informed the the XXXX representative, the day I originally set up my domain with XXXX, that I spoke with a XXXX rep on the phone when setting up my website, that I did not want auto renewal because I often don't have sufficient funds in my account and I also like to keep the decision to renew. I was told to dispute the auto charge with Chase Bank per XXXX, as they noted that they could not refund the charge. 

On or about XX/XX/2018 I contacted my bank to dispute the charge, as I was instructed to do that by the XXXX representative. Chase bank issued a reversal and credited my account for {$200.00}. 

On or about XX/XX/2018 Chase reversed my {$200.00} credit and debited my account. I called Chase Bank and the representative instructed me to follow-up with XXXX as they were the ones that had my funds. 

I followed up with XXXX and the said the funds had been refunded on XX/XX/2018. My XXXX billing history reflects that amount being credited to my account and yet there was no corresponding credit made to my Chase Bank account. 

I followed up with my Bank in XX/XX/XXXX. The reason for the late follow-up was that I was hospitalized for four days due to a XXXX. I spoke with a Chase Bank representative and they put me in contact with a customer representative via phone. They told me the funds were not with Chase Bank and I should talk to XXXX. So they just keep saying the other has the funds and I should contact the other. Chase bank shows the money as being paid to XXXX and the XXXX billing shows the money as being credited to my Chase Bank card. One or both of them are lying and have my money.