WillisBack/dataset-financial-user-claim huggingface dataset:
Hi and thanks for your time ... we recently refinanced in order to take advantage of the reduced FHA monthly MI premium and move from 5yr ARM ( originated with same lender about 12 months prior ) to a fixed product. The monthly savings are less than {$100.00} but the silver lining was ARM to Fixed. The day before closing I received the following e-mail : XXXXXXXX , Funds to close is $ XXXX escrow return is {$4400.00}. 
Sorry about the funds to close but the difference it is made up in the escrow return. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXXOffice : XXXXTollFree : ( XXXX ) XXXX ext.XXXXFax : ( XXXX ) XXXXXXXXXXXXwww.usmortgage.com XXXX $ XXXX at closing to save less than {$100.00} per month is a lot but the promise of the escrow refund made it tolerable. 
A few weeks later the escrow check was received in the amount of {$2200.00} ... big difference. 
We closed XXXX/XXXX/15 and I have been going back and forth with the lender to figure out what happened for the past month and every contact ends with let me look into it and I 'll get back to you ... then nothing until I reach out again. 

We think we were misled and I ca n't say for sure but I do n't know if we would have gone forward with the transaction without the inducement of the {$4400.00} escrow refund. 

Do we have a legit complaint? 

Thanks again for your attention to this matter. Any guidance you can offer will be appreciated. I 'm sick of going back and forth with the lender and then being ignored.
I have tried since XX/XX/XXXX for the bank XXXX XXXX to delete the mortgage that my ex has from the credit report. This was a second home that we purchased in XX/XX/XXXX as a vacation home. This is not my ex main house. He always have lived in another home. We purchased this with XXXX XXXX in XX/XX/XXXX. I  have never signed any papers with XXXX XXXX and when the mortgage has defaulted several times I have attempted for XXXX XXXX to take me off the property since the judge when I got divorced gave this property to my ex and it is stated in my divorce papers that I am not responsible for this place as of XX/XX/XXXX. Divorce papers filed at the court house in XXXX XXXX XXXX ( case # XXXX ). Now in XX/XX/XXXX my ex did a modification of this mortgage and without my knowledge or consent XXXX XXXX did the modification putting my name as married to XXXX XXXX. In XX/XX/XXXXXXXX XXXX was already married to somebody else not me and I am married to somebody else also and I am not responsible for this property per court papers. I have tried for several years for XXXX XXXX to removed me completely without any luck. XXXX , XXXX owes me {$50000.00} alimony from the divorced date until I got remarried, so I have a lien in this property for that amount. Also is showing in my credit report that I am living in all these places where XXXX XXXX live and I do not know who is reporting that if it is XXXX XXXX since it is the only thing that unfortunately still being attached to me after 15 years divorced. XXXX XXXX says that I will need to find a lawyer if I want this resolved. I had a lawyer and went to court and this should have been taken care of since XX/XX/XXXX.Attached I am also including all the addresses of all the places that the consumer report has me living.
A collections agency recently put a collections item on my credit report from a service on a home that I sold over 3 years ago. I cancelled that service with that home when it was sold. While XXXX removed the incorrect collections action from XXXX XXXX out of Utah, Transunion has kept it on my report and thus impacting my Tier for a home mortgage. This has become almost impossible dealing with 3 separate credit reporting agencies. It seems you get an incorrect item removed from one and it shows up on another bureau. I am asking that action be taken with Transunion to remove this item from XXXX XXXX once and for all! 

XXXX XXXX
I applied for a loan with Discover to consolidate some debt at a favorable interest rate. My application was based on the credit scores I have received from Discover. I was denied ( credit score was quite different ). However the reason sighted and given over the phone does not matched up to the information I received from the company on a monthly basis. My expectation was that the loan should have been approved. Most of the reasons given were generic, especially since I had paid of the balance of most of my cards. I also have paid my debts on time for years and the only delinquency involved the company not receiving the payment on time due to nondelivery. Also, most of my accounts I have had for years. Again the credit score that was sent to me on a monthly basis. I believe the company is either misrepresenting the information it sends to their customers or illegally profiling due to location.
I pulled my three major credit reports, and I noticed there were a number of medical collections being reported by Commonwealth Financial. They are from 4 to 5 years ago, but only began reporting at the end of XXXX. I never knew these collections existed before seeing them on my reports. I have disputed them with the various bureaus, but they arent all deleted. Some, Commonwealth Financial reported back as verified as being accurate. Ive looked into it and see that Commonwealth Financial isnt even a legitimately licensed collection company. According to the clerk at the Florida Office of Financial Regulation, she said that Commonwealth 's license to collect debt in Florida was revoked in XXXX. Im not sure if this has something to do with why Im seeing collections that Im not sure even exist, or what is happening. But I dont understand they can verify debts they arent even licensed to collect on. And if they cant collect, how are they supposed to inform me of it so I can properly get it taken care of before it ruins my credit?
I 'm a victim of identity theft someone opened up a lot of account in my name and now I 'm getting ready to buy a house I 'm seeing all these things on my report this is killing me it 's not fair to me.
I was contacted by this company, but they left no message. I then received a text from my brother who is a police officer and he stated that the company called him, looking for me. The company told him they were using " tracing efforts '' to find me. I lloked into the information and the number and I discovered many similair situations with other people having the same company call them. They apparently also go by the name XXXX XXXX. 

I am upset that they are calling relatives and also that they are not using legit information. I would like to never here from them unless its in email or mail form. No more contact to relatives, ever.
Complaint regarding ChexSystems, Inc The 'Inquirer being XXXX XXXX XXXX XXXX , of an Inquiry Date of XX/XX/XXXX. The Reported Information from Check Systems in Form Request prepared for XXXX XXXX XXXX # XXXX. 

The Escalated ' Concerns for Old Information reappearing As ' Reported Information by CheckSytems. I have a 'good repoor ' with the Source of Information As ' XXXX XXXX XXXX . I  was Assured by the XXXX XXXX  President 17 Months Ago that ' this Issue was Resolved. On XX/XX/2018, I ' informed the XXXX XXXX President that ' yet, again there was Old Information still being Reported through CheckSytems. 

Additional Information ' on the Check Systems Report claims ' that ' XXXX also, received this Information, but upon checking with XXXX this is not. true on 'all XXXX Reports. 

Since, CheckSytems refuses to Remove this Information from their Database, And I feel that ' the Information is being used for Identity Theft, I would like to further the Compliant ' with Investigation. 

In a 'gathering of data ' I ' have provided Documentation that ' the Debt of Merchant Disputes were the Negligence of XXXX XXXX Dispute Department , and the Debt was Resolved. 

CheckSytems, XXXX XXXX  and numerous Merchant disputes offers 'Explanation to Continuing Identity Theft, Domestic Finance and Continuing Domestic XXXX being Investigated by, the Federal Bureau of Investigations as well As ' recent and past Compliant ' submissions to the FTC and the CFPB. 

Check Systems also, provided the wrong address recognized by the FBI As ' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX.
I ca n't access my account because it says my card is not activated but the money is showing on my account.
( I have no idea what your question about a " final response '' means in the context of Experian 's wanton & routine violations of the law. ) Earlier this year, I requested a copy of my Experian credit report and have not received one. I completed the form for a free copy on the CFPB 's website and mailed it to the address indicated. This was a few months ago now and I have not received a copy of the report.
I do NOT have a signed contract nor any contract with Kohls. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC aftidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.
US DEPARTMENT OF EDUCATION # XXXX for is NOT a collection item and has NEVER been late. I have disputed this information over and over again with Experian for them to delete the account or remove the INACCURATE PAYMENT HISTORY that make this account falsely past due and in collection. I have contacted the US Department of Education and I have been informed by them that they have alerted Experian XXXX that this account should not be a derogatory item, it should NOT be reported as a collection or in collection and it should not be reported as having ever been late. They refuse to change or verify the information and i have repeatedly requested that they send me proof of an investigation and they refuse to send me any proof and or any proof of verification as to their reasons for reporting the account this way.
XXXX from XXXX XXXX has called my relatives and friends using information obtained outside of information I gave to the original creditor for a personal loan. XXXX impersonated an attorney from a Legal department representing her " Client '' when in fact XXXX owns the debt. She referred to a " case '' and provided a " case number '' and threatened to take legal action by Friday of this week in XXXX county. I have a recording of the voicemail. When I called her back, she original claimed to be a " mediator '' ( which is a court official ) and then gave up on that claim and offered a settlement with XXXX, her employer. The phone number she gave was XXXX ext XXXX. Please investigate this unscrupulous company. There are so many complaints online.
Certegy is reporting to my bank that they should deny my deposited checks. No information on Certegy 's report shows any change from when they recommended acceptance of my deposited checks to my bank.
None of your selections apply to my complaint. It is the overall credit process that has me upset. In summary : - when we refinanced our house in XX/XX/2006 our average scores were both XXXX! ( We have worked hard at keeping our credit in the very good range. ) - today, my avg. is XXXX and my wife 's is XXXX - absolutely nothing has happened betweenXX/XX/2006 and now except : -- we moved out of state and opened a local bank account and a local credit card -- we bought a car -- we re-financed the car to save XXXX and in the process of switching missed a single payment due to confusion over which lender had the loan -- we are now in the process of buying a house and applying for a mortgage I fail to understand how the actions above have resulted in such a significant drop in our credit scores. A drop, sure, but this big of a drop is going to cost us a great many dollars over the next 30 years - and new we're retired and on a fixed income! 
This is egregious in my mind. I guess this is how the process works, but I still find it outrageous.
I sent in a mortgage payoff to Specialized Loan Servicing, XXXX, Colorado. It was rejected because the funds were n't certified. I sent in certified funds. I received a call that the payoff was short because of interest and that I could pay it off with a credit card over the phone. I asked first for a letter saying that this would pay it off in full. They refused so I did n't pay it. I just got a letter asking for additional funds to pay off the loan that says if the funds are not received by XXXX. on XXXX they will return all the money received. 
XXXX problems : I received that letter on Saturday afternoon, XXXX which meant a run to the bank and to XXXX to send it off in time. I missed the XXXX deadline. Problem XXXX : It seems to me they are deliberately making it difficult to pay to maximize interest. Why would n't a company accept a check and bill for the remainder if it were interested in a payoff? Is this legal?
On XX/XX/2018 a default judgement in the amount of {$5000.00} was entered against me in a Civil Case in XXXX XXXX County court that was not the Court in my immediate area. I was never notified by by Persolve LLC that I owed them a debt, nor was I informed of what the debt is for prior to them filing suit. I still do not know what this debt is they fraudulently claimed they served me at a business postal box. They shared information regarding the lawsuit with the business owner who informed them I no longer had an active mailbox with them and could not accept any documents. The individual then yelled at her stating she had to accept the documents. When I returned to the area and wanted to establish a mailbox again the owner informed me that someone had come in there and yelled at her. She was not provided a name and since I had no knowledge of the case I was not able to figure who or what she was talking about. I was never provided any court dates to defend my rights to respond. They fraudulently moved forward with a default judgement in a Civil Court case, if the  debt is even valid ; knowing I was never served. 
- No Notice to Dispute Debt - Debt is Unknown - Fraudulent lawsuit, never served to respond - moved forward to get a default judgement knowing I was never served
Someone obtain a payday loan in my name without my knowledge. I have tried several times to hav e Ad Astra  Recovery validate the debt but to no avail. I have received threating phone calls from debt collectors on my job and after  XXXX    XXXX   XXXX  t. On one occasion the debt collector insulted me and even asked if my parent taught me to not pay my bills. This issue has ruined my credit and taking a toll on my health.
Bank of America has had ample time to consider my complete as received Request for Mortgage Assistance ( RMA ) application package of XXXX XXXX. 
Bank of America, their representatives, and servicer can not record an NOD, an NTS, or conduct a sale while the application is pending per California Civil Code ( XXXX ( c ) ) and, if application is denied, until 31 days after providing borrower with a written denial per California Civil Code XXXX ( XXXX ) ( XXXX ). 
While there is no consistent or well established Bank of America deadline for borrower 's to submit an RMA application, I submitted a complete RMA application package and all other Bank of America requested documents on and before XXXX XXXX, XXXX without delay. 
Bank of America has decided not to provide a written determination to the XXXX XXXX RMA from the Bank of America Appeals Department to date. While there seems not to be any Bank of America deadline for servicer 's application evaluation and no established deadline to process an appeal, it does n't take over four years to come to a decision and issue a written determination and direction unless the bank has decided to park and stall the modification process indefinitely. However, this park and stall tactic is at odds and inconsistent with the recent efforts to collect on this home loan mortgage account. 
Bank of America, their representatives, and the servicer may not record an NOD, NTS, or conduct a sale until the later of : 1 ) 15 days after the appeal is denied ; or 2 ) 14 days after modification is offered. 
As a borrower must accept an offered modification within 14 days or offer is considered rejected per California Civil Code XXXX ( XXXX ) ( XXXX ), the same standard is to be placed upon the bank and servicer. Since Bank of America has declined to timely process a complete RMA so as to complete the modification process, Bank of America and their representatives and servicer forfeit rights to decline an evaluation, issue a written denial, and foreclose. 
Bank of America has not offered a MHA HAMP TPP based on the XXXX XXXX RMA before or after XXXX XXXX. Thus, I have never rejected a modification in accordance with California Civil Code XXXX ( XXXX ) ( XXXX ) because I have had no option and opportunity to accept or reject a modification timely presented to me by Bank of Americ based on my XXXX XXXX RMA.
The collection agency knew the amount was in dispute and still reported to the collection agency that I owe the debt. The collection agency sent me a paper that clearly says XXXX   XXXX is 100 % responsible for payment. I did not agree to pay for any services since I did not request it and I was fully insured by XXXX XXXX. I am requesting they remove the debt from my credit reporting agency and or clearly mark this debt is in dispute by customer. 

The collection is in bad faith and unethical knowingly reporting a debt it knew I was placing in dispute. IMMEDIATE ACTION IS REQUESTED!
Please reference case number XXXX. Complaint sent to CiTiBank Credit Card disputing a payment made in the amount of {$10000.00} XXXX a company owned by XXXX XXXX which has been shutdown by the FTC for fraud. CitiBank explains the there reason for not providing help because the occurrence of fraud was detected by the FTC after 120 days of opening this account to fund the XXXX business. Why can XXXX give cover for the victim in this Ref. XXXX and CitiBank provides no help to someone who is about to loose my home. My hope was to earn money to make and honest living not to be a victim of fraud. 
Please look at the Compensation Plan pdf, these levels are for lifetime. Need Help Now!
Since the beginning of XXXX, I have been unsuccessfully trying to have the funds from an IRA CD, maturing in mid-XX/XX/XXXX transferred to the XXXX Now, at the beginning of XXXX the Discover bank is still struggling to accomplish this. Contrary to my explicit oral and written requests Discover has rolled over the CD and then assessed a premature withdrawal penalty when the CD was terminated.at the end of XXXX. ( I submitted the proper XXXX and Discover forms weeks prior to the CD 's date of maturity ) On XXXX XXXX, the following was part of my message to Discover, " I find the length of the whole process excessive and the paperwork tedious, The prospect of having to do it again for my other XXXX CDs is unappealing, So, I now would like to update the request to include the transferring of the funds from CDs XXXX, XXXX, and XXXX to the XXXX ''. 

We are now more than a month past XXXX with only my zeroed out CD accounts to show for this passage of time. Following is the Discover response to my question of why the full amount of the CDs was not redeemed. " Due to the fact that the CDs were closed outside of maturity there were Early Withdrawal Penalties ( EWP ) applied, per the Deposit Account Agreement. '' Is this a fair system, upheld by FDIC, that the bank can ignore a customer 's request, do him damage, and then penalize him? 

Currently, the XXXX has checks for the CDs but no supporting documentation. The XXXX refuses to process the money until a completed XXXX form is provided by Discover. According to the XXXX, any funds they receive in my behalf from Discover will not be cashed or earn any interest. Meanwhile, Discover, sits on the money and presumably makes free use of it. So, at this point, I do not have a CD, an investment in the XXXX, access to my money, or much confidence in the system.
I HAVE APPLIED FOR A SHORT SALE OF A PROPERTY IN  XXXX , NC AND WAS PREVIOUSLY TOLD IT WAS APPROVED. WE OBTAINED A CONTRACT FROM A  PERSPECTIVE BUYER  SEVERAL MONTHS AGO, BUT  XXXX  KEEPS ASKING THE SAME QUESTIONS OVER AND OVER AGAIN, ASKS ME  XXXX  SEND IN  ADDITIO0NAL  DOCUMENTATION, WHICH BY NOW ARE DOCUMENTS THEY ALREADY HAVE. THE PEOPLE WORKING MY FILE, EVEN THE UNDERWRITER APPARENTLY HAVE LITTLE EXPERIENCE OR KNNOWLEDGE OF THE MORTGAGE INDUSTRY AND CONSEQUENTLY THEY KEEP ASKING STUPID QUESTIONS THAT NO MORTGAGE PROFESSIONAL WOULD ASK. I SEE NO END IN SIGHT OF THEIR INCOMPETANCE TO RESOLVE THIS SIMPLE TRANSACTION AND FEEL THEY ARE FORCING MNE INTO FORECLOSURE WHEN I HAVE BEEN ATTEMPTING TO WORK IT OUT WITH THIS SHORT SALE FOR ABOUT 6 MONTHS NOW. WE ARE AT RISK OF LOOSING THE BUYER DUE TO THE INCOMPETANCE OF CHASE MORTGAGE
XXXX XXXX, an apartment complex that I lived in 7 years is charging to me to replace the carpet. The carpet was to be replace because of wear and tear
This debt is from my apartment community and is invalid. I had discussed this " debt " with management in which they informed me my damage deposit would be used to re paint XXXX walls. My community is charging me {$380.00} to paint XXXX walls when I was told that it was ok to paint, and that they would cover the cost from my XXXX of dollars damage deposit that I left. This is a falsified debt that is forged in an attempt to make more money. This apartment community is unfair. I have the original invoice for the paint job they did to repait the walls and it was no where near {$380.00} it was significantly less.
I lost my job and receive unemployment insurance. I am also part of the Keep your home California program. My loan care the mortgage service company told me that I was enrolled into a new program without my knowledge and as part of this program I would NOT be notified if my mortgage payment was late. I received a credit notification that my credit score went down significantly and when I inquired as to the reason I found out that My loan care placed a 30 day late on my mortgage. I was never once notified about my mortgage being late. My loan care stated that as part of this new program that I was enrolled in ( with out my knowledge ) that i would no longer receive notices if my loan was late. They would only ding your credit and not tell you about it at all. I asked to speak to a manager and still have not received a phone call back. As soon as I found out that my loan was late I promptly paid the payment but cant get them to remove the 30 day late notice from my credit report.
I understand that I can not file a second complaint about the same problem, but I was told to contact XXXX XXXX to explain the two documents that were filed one in XX/XX/2001 when I added XXXX XXXX as a Joint Tenant. The Recorders Office of XXXX XXXX XXXX County claimed that XXXX XXXX would have a record showing I received {$75000.00} from XXXX XXXX when he became a Joint Tenant. Escrow No. XXXX XXXX Order No. XXXX. Also as I stated before my property XXXX XXXX XXXX XXXX. in XXXX, CA. was refinanced for {$170000.00}. That Deed was for the refinance in XX/XX/2001 to purchase a second property. The XXXX Recorders Office claims thats the amount I was paid and that XXXX XXXX would have a record of that. This was not a gift, nowhere does any document state that I sold my property. I was lead to believe that I was removing my name at the request of the loan company. I fully understand that XXXX XXXX is not responsible for this fraudulant act against me but does XXXX XXXX have a record that I received the amount of money that is claimed by the Recorders Office. Please help me, my partner XXXX XXXX passed away with out a will and the down payment for the second property came from the refinancing of my home