WillisBack/dataset-financial-user-claim huggingface dataset:
Thank you for reviewing our complaint. Last year XX/XX/XXXX I had a lawsuit filed against me regarding my employment and subsequently had to change jobs XX/XX/XXXX. XX/XX/XXXX my wife and I called our mortgage company Citi Bank to tell them of our severe financial problems. At that time we were two months behind on our mortgage. We ask Citibank for a mortgage re-modification and subsequently file the application for a HAMP loan. The process dragged on until XX/XX/XXXX when Citibank informed us that they did n't do HAMP loans after we submitted months of bank statements, forms, tax returns etc. Then we were told to apply for a mortgage modification which is what we asked for in the first place. So we resubmitted bank statements, tax returns everything they asked for. All the while we were told by the XXXX Citibank representatives ' that they would not accept any partial of full mortgage payments from us until the application process was completed. XX/XX/XXXX Citibank denied our modification due to the fact that we " did n't make enough money '' our income was short {$100.00} per month or there about. Then we appealed their decision and they told us we " made too much money ''. Thus denying us again. By that time we were on our XXXX loan officer. Now we are on our XXXX loan officer and I am trying to work through the situation with him. We have saved money to make payments on our mortgage when we hopefully get this situation resolved. We have over {$170000.00} in equity in our home. We are currently 19 months behind on our mortgage. I believe Citibank has been untruthful, misleading, unwilling to help us keep our home. We have lived in this house for 10 years and have XXXX children and we are afraid we are going to loose our home. I have spoken with a real estate lawyer and he believes we have a case. Could you please help us?
My ex husband opened an XXXX XXXX account 12-15 years ago. While married I was on the account as a authorized user. We have been divorced for 12 years. Shortly after the divorce he took me off as a user. I have asked him for years to make sure I was taken off because still to this day his balance on that credit card shows on as my debt on my credit report. I have attempted to call the company and its very difficult to speak to a person because obviously I have no account information because we have been divorced for 12 years and live in different states. I finally spoke to a person and they said I had to submit in writing, which I did. After a few months of not hearing a response I called back and was told I was not any where on the account but if my concern was the reporting to my credit report than the account would have to be paid off in full and my ex husband would have to open another account. This {$10000.00} debt has hindered my credit score and my ability to buy a house for years and I am feeling like I am out of options for getting anything done through XXXX XXXX. Any help on this matter would be appreciated.
I APPLIED FOR A HOME DEPOT CREDIT CARD ON OR ABOUT XXXX XXXX 2016. THE CARD DID NOT ARRIVE AFTER 3 WEEKS, SO I CALLED HOME DEPOT AND INQUIRED AS TO WHY. APPARENTLY, THEY SENT IT TO THE WRONG ADDRESS. SO I GAVE THEM THE CORRECT ADDRESS ( THIS DESPITE THE FACT THAT THE CORRECT MAILING ADDRESS WAS ON THE APPLICATION. ) THE CARD NEVER ARRIVED. I CALLED AGAIN, AND AGAIN I WAS TOLD THAT IT HAD BEEN SENT TO THE WRONG ADDRESS. IT NEVER ARRIVED. I CALLED AGAIN, AND AGAIN I WAS TOLD THAT IT HAD BEEN SENT TO THE WRONG ADDRESS, ETC. THE DAY MY APPLICATION WAS APPROVED, I WAS TOLD THAT I COULD GO TO ANY HOME DEPOT STORE AND PROVIDE ID AND I WOULD BE ABLE TO CHARGE MY PURCHASE. I MADE A SMALL PURCHASE ON OR ABOUT XXXX XXXX. I AM CONCERNED THAT THE DUE DATE FOR PAYMENT HAS PASSED AND I AM NOW BEING CHARGED LATE FEES OR OTHER FEES FOR NON PAYMENT, AND THAT THIS FALSE INFORMATIION IS BEING REPORTED TO THE CREDIT BUREAUS. TODAY IS THE 4TH TIME I CALLED HOME DEPOT ABOUT MY CARD. ALL I GOT WAS THE RUN AROUND. I WANT MY CARD. IN THE MEANTIME, I CAN NOT EVEN CANCEL THE ACCOUNT SINCE I DO NOT KNOW THE ACCOUNT NUMBER BECAUSE I NEVER RECEIVED A CARD! HELP!!!
XXXX XXXX AT XXXX REACHED OUT OT US NOTE BELOW EMAIL INTERATION Re : XXXX Fri, XX/XX/2019 XXXX XXXX   XXXX ( XXXX ) To : you ( Bcc ) + 3 more Details XXXX i called again and left message for you again today -- -- -Original Message -- -- - From : XXXX XXXX To : XXXX XXXX Cc : XXXX XXXX ; MORTGAGEASSISTANCE XXXX Sent XXXX Thu, XX/XX/2019 XXXX XXXX Subject : Re : XXXX XXXX PLEASE ADDRESS WHO IS HANDLING THIS ACCOUNT??? / WHOS WHOEVER HANDLING HAS ADEQUATLEY REVIEWED ACCOUNT HAS IN DEPTH KNOWLEDGE AND EXPERTISE TO HANDLE. 
ALSO ADDRESS IN WRITING WRITTEN XXXX REQUESTS, CONCERNS IN WRITING AND REQUESTS FOR INFORMATION NOT INCLUDING BUT LIMITED COMPLAINTS AND SUCH WARRENS -- -- -Original Message -- -- - From : XXXX XXXX XXXX To : XXXX XXXX Sent : Wed, XX/XX/2019 XXXX XXXX Subject : XXXX XXXX HELLO This message is intended for XXXX XXXX. My name is XXXX XXXX and I am a Home Retention Specialist with Carrington Mortgage Services. Please call me at XXXX. I need to review the paperwork you submitted for your modification. I am here between the hours of XXXX to XXXX Pacific Standard Time. I would appreciate an opportunity to speak with as soon as possible. 

Thank you XXXX XXXX Loss Mitigation Associate Carrington Mortgage Services , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX Office Hours : XXXX XXXX to XXXX XXXX ( PST ) M F Direct Line : ( XXXX ) XXXX XXXX WE HAVE TRIED TO CALL AND LEFT MESSAGES 4 TIMES SINCE HER EMAIL NO RETURN CALL.THEY ARE TRYING TO MAKE BORROWER LOOK NON COMPLIANT AND HASTEN FORECLOSURE
My experiences have left me truly wondering if Scottrade should n't be investigated by the SEC. It 's very strange how one day my funds are scheduled to be settled, but when the day arrives my money is n't there. The local store representative blamed a " computer error '' when I called him and another representative offered me XXXX free trades to offset the inability to access about {$38000.00} for trading. No other explanation was proffered, despite my correspondence and a promise they would review the matter. 

Another suspicious occurrence involves Scottrade restricting my account and possibly limiting access to my cash for more days than the normal 2 to 3 days it takes trades to " settle '' because their store representative claimed their computer accused me of making a " free ride. '' However, I was very careful to sell only shares I had carried for as much as a couple of weeks, and I purposefully waited to sell shares which had n't settled until their reported settlement dates. But, the store clerk would n't accept my explanation and my account was restricted anyway. Remember, this is the same computer that their store clerk blamed for failing to fund my account a couple weeks prior. 

So, I 'm going to reduce my trading activities at Scottrade out of an abundance of caution, and likely take my grievance to the SEC in a formal complaint. I urge others to be careful and look out for activities like I 've described. Do n't forget that often matters dealing with brokerage accounts will require arbitration instead of a day in court.
XXXX XXXX # XXXXProperty : XXXX XXXX XXXX, XXXX XXXX, NY XXXXHi, my name is XXXX XXXX, and I work at the Law Office of XXXX XXXX XXXX. The reason for the complaint is due to we have been in process of a Loan modification since XXXX 2013 with Wells Fargo, and received a negative notice against the Loan. The file was removed from Litigation and Settlement conferences, making us negotiate directly with the bank. We summited a complete Loan modification Package on XXXX 2013. Due to Litigation, the file was delayed for nearly a year and a half, and now we got denied for Wrong Income usage. We appeal the decision made, and Wells Fargo claim the correct income was used to calculate the Loan Modification, which it does n't even match the income that was include on the RMA with evidence of this income. We have complied with every request as far as a Loan Mod docs, and we have provided more than enough evidence to support the income. 
The HO was paying a monthly expenses to do a P & L statement for his personal income, he invested over $ XXXX/month executing P & L statement due to accounting charges, with an end result of a denial. 
HO really wants to keep the property, we need Wells Fargo to make the changes in the income used, and provide the HO with the Loan Modification which was Applied. 
We want to placed a complaint against Wells Fargo for not providing the right opportunity for HO
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX. Account # : XXXX I was never late 30, 60, 90, 120 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
On XXXX XXXX, 2016 a pending transaction came through my account in the amount of {$700.00} which put me in a negative status. So while this transaction was pending at XXXX XXXX XXXX XXXX, 2016 a deposit came through which put my account to a positive balance. So the {$700.00} transaction posted on XXXX XXXX, 2016 which still left me with a positive balance. But they charge me a NSF fee, but I still had a positive balance but I was also confused. So I called the bank to see why I was charged a NSF fee when the deposit came in before the {$700.00} transaction posted. They said that it was because I did n't have the money in my account at the time that it pending transaction posted. Again I was confused and I thought that this was unfair because my deposit came through before the {$700.00} transaction posted. So I 'm really not sure what to do at this point. Now I have to pay the bank {$36.00} and then pay my rent office {$130.00} that I do not have. The way they have my transaction posted now is not how they had it on XXXX XXXX, 2016. I also called the bank on XXXX XXXX, 2016 and I asked them about the {$36.00} fee because the {$700.00} transaction had already posted. He kept saying that because of the way my transaction came through that 's why I was charged a {$36.00} fee. Again I still did n't understand.I explained to The bank that what I see they should see. But they said that 's not how it works although we see that everything 's all right on the account that is not how they see it on their end. I do n't think that 's fair at all because it seems like that 's how they make their money by charging fees when clearly it was n't necessary. When I spoke to someone on XXXX XXXX they said that my account was OK and that the {$700.00} ACH debit transaction was paid. So that means on XXXX XXXX, 2016 everything was fine except for the {$36.00} fee. But then I wake up on XXXX XXXX, 2016 and I see something totally different on my account. They 've already return the check to the my rent office and now I have to pay all these extra fees. This really upsets me and I do n't want to do business with someone who makes their money by charging fees.. So from this day forward I will be gathering up all my information so that I can change banks immediately. The whole process should take about a month but it 's got to be done.
I 've been working with an attorney for several years to get a a loan modification due to hardship from my husbands loss of employment. Bank of America granted a DOJ modification with principal reduction and impounded taxes in XXXX XXXX. It was finalized a few months later. In XXXX XXXX the loans wa service released to XXXX XXXX XXXX ( XXXX ). Shortly after the release of the loan to XXXX, I received a notice from Bank of America Escrow Dept. and XXXX separately, saying that we had an escrow shortage of {$20000.00}. I thought for sure this had to be an error since Bank of America no longer serviced the loan and we had received the modification with all past due balances and escrow delinquencies into the the back end of the loan. A few months later, I received our annual property tax statement showing the taxes had not been paid. I contacted XXXX to ask why taxes were not paid since the loan modification includes an escrow impound account. They looked into it and then notified me that the taxes would be paid immediately. At that time, I also questioned the escrow shortage that was still showing on my account. I was told to write a dispute and send into the XXXX resolution dept., which I did. The response was that Bank of America, the previous servicer, did not capitalize the total amount of delinquent taxes. So when the prior servicer paid the taxes after the modification was processed, this created a negative escrow balance. I still dont understand how this can be the case. I contacted the county tax assessor which told me the taxes were all paid to date and a refund was coming to me. I responded to XXXX with another dispute still requesting resolution for the escrow shortage with proof from tax assessor that a refund had been issued and all taxes paid. I requested refund be applied to my account. XXXX replied with the same information that Bank of America transferred the loan with an escrow shortage. A few weeks later, I received an audit from XXXX stating that my mortgage payment would increase by about {$750.00} per month for 36 months to account for the erroneous escrow shortage. A few after that, XXXX service released the loan to XXXX as of XXXX XXXX, XXXX. I have tried to contact Bank of America to get any sort of resolution and ca n't speak with anyone. I havent been able to get resolution with XXXX. I am at a loss as to where to proceed. I CAN NOT afford any increase in my mortgage payment. I hope and trust that Consumer Financial Protection Bureau will look into this serious matter and assist in a fair resolution.
I received a call from XXXX XXXX XXXX asking if I wanted to switch to Uverse that it was better and that there was no charge or interruption of service. I received a new modem in the mail and after connecting it found out it was defective. I was directed to an XXXX office in XXXX, CA to exchange the Modem. Went to the store and was told that I was given the wrong information and had to send it back ( mail ) to exchange it for a working XXXX which I did. After about 20 days the system was up and running. Got a collection call several months afterword 's, I contacted XXXX XXXX XXXX who told me it was an error and that they would correct it. A year later I am starting to get collection calls and letters trying to collect the same account again. I called XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX - would not give his last name ) and basically was told that either they could not find the account or that they could not do anything about the account because they had sold it and that I would have to work it out with the collection company. I had and still have the same service with XXXX XXXX XXXX with no interruptions in service.
I contacted  XXXX   XXXX    XXXX   about an account that was on my credit report that was n't opened by me! They sent me a letter stating that they would remove the closed,  XXXX  'd out account from my reports. I keep being contacted  by Midland Funding abo ut this account that they purchased for pennies on the dollar. Again this is NOT MY DEBT! If the original creditor removed it from my reports, SO SHOULD MIDLAND!
Contact Transunion and spoke with customer service name XXXX from XXXX and explained to her that in XX/XX/XXXX my inquiries from Transunion were deleted and reinserted back 2 days later without me receiving the proper documentation in writing as the law says every time something is reinserted customer needs to get within 5 days notification of issue which I never received representative said that there were no issues with Transunion that she would not help and take care of the negative inquiries reporting to my credit report. I demand her to delete those inquiries that were put back into my credit report she replied no because it was an issue with XXXX or XXXX website reporting wrong information for Transunion that it was not Transunion directly. The following are the inquiries that were deleted and reinserted back into my credit report from Transunion,,, XXXX Date FiledXX/XX/XXXX,,, XXXX Date Filed XX/XX/XXXX, ,XXXX Date Filed XX/XX/XXXX,,, XXXX Date Filed XX/XX/XXXX,,, XXXX Date Filed XX/XX/XXXX,,, XXXX Date Filed XX/XX/XXXX,,,,, XXXX Date Filed XX/XX/XXXX,,,,, ,XXXX Date Filed XX/XX/XXXX,,, ,XXXX Date Filed XX/XX/XXXX,,,,,, XXXX Date Filed XXXX,,, ,XXXX Date Filed XX/XX/XXXX ... ..
I have a mortgage with Chase Bank On several occasions I have approached Chase Bank because for XX/XX/2015 they reported a XXXX on my credit instead of reporting current as my mortgage payment was made on time for that month. I have called several times to Chase and they advised it was the credit reporting agency I then contacted the credit Bureau who advised me it was Chase doing a non report for that month but something on Chase side. I continue to get bounced back and forth.
We received a letter from XXXX XXXX in early XXXX of this year stating we were due an escrow refund from 2016 of almost {$850.00}, and that if we didn't do anything the money would go back to the state. We filed paperwork asking for the money to be issued to us as a check, and emailed it to XXXX who replied she had received it on XX/XX/XXXX and it would take 7-10 days to process after which it would be mailed to us. 2 months later and we still haven't received the check despite two further emails to XXXX, one to customer support and a phone call - all of which went unanswered.
We have a home equity loan with Bank of America. We have to carry flood insurance on the home-which we do-now they want us to pay for flood insurance on out buildings-a garage and a 3 sided barn because they think we could live in them. When we last check with FEMA they don't cover out buildings. We tried to resolve this and had our insurance agent send the information that they asked for. They ( BOA ) decided we needed flood insurance on a three sided barn still. They also stated that the insurance agent didn't send the info on her letterhead. As far as we are concerned this is harassement. We have never missed a payment and have great credit. BOA seems to want more money any way that they can get it. Our land value along with no buildings is worth more than the loan. " XXXX also stated that the garage was now not having to have insurance but got the insurance papers in the mail the dame day we got a letter that they were reviewing this issue.
My brothers and I have CD 's left by our father that were purchased from Wachovia in XXXX Georgia back in 2007. When he pasted away a few months ago, we went to Wells Fargo XXXX knowing Wachovia was bought by Wells Fargo XXXX to collect on the CD 's, they said there was no records of the XXXX accounts. Wells Fargo told me that CD accounts should have transferred over to their system, but my father 'might ' have cashed out the CDs a few years ago, and that 's why it 's not in their system now. 

We 've asked Wells Fargo to please provide us with some sort of record that the CDs were cashed out, but they are not able to provide us with anything, saying again they show no records of the CD accounts. 

My brothers and I still have the documents for the CDs, with account numbers and purchase date from Wachovia, but we are wanting to know how do we find out if the CDs were REALLY cashed out, or if accounts just went to another bank when Wachovia was bought out. Please let us know if the account number, or copy of the CD documents are needed. 

Any information will be much appreciated. 
Thanks,
Was contacted by collection company and settled a very old debt to help my credit score. Was told paying them off would remove it from my credit report. Just the opposite. Was added to an additional bureau. Lowered my credit score.
On XX/XX/XXXX I signed for a HELOC in the amount of {$54000.00} from Citibank. The primary objective was to pay off a 2nd mortgage for {$27000.00} with XXXX Bank. 

To date Citibank has failed to provide paperwork on the disbursement of these funds and my property 's title remains clouded with this lien. 

As a result, I can not refinance nor sell the property. I continue to call and they continue to extend the time in which they claim they 'll respond. 

With interest rates on the rise, this situation is both stressful and frustrating. 

After 3 requests for the documents, Citibank says they have 90 days to do more " research. '' I fail to see how it could take so long. 

XXXX, the company that secured the XXXX lien, is also out of business. It is my understanding that the FBI raided their office back in XXXX, or so. 

I am at my wit 's end, so any help from your office would be very much appreciated. 

Best Regards, XXXX XXXX XXXX
Re : COMPLAINT - PennyMac Loan-Failure to Disclose. 
Due to recent hurricane Irma, I applied for and was approved for a Disaster Forbearance Plan. PennyMac expressly stated that during the Disaster Forbearance plan period, late charges would be waived and credit reporting would be suppressed. .. BUT PennyMac DID report to the credit bureaus that I was 2 months late which caused my credit scores to plummet. ( XXXX dropped to XXXX! ) I had made my XX/XX/XXXX payment on time and I made a payment XX/XX/XXXX after which I repeatedly tried to call their number without success. I was earnestly trying to speak with a live person. I finally sent a message through their message center. 
On the notice PennyMac sent me on XX/XX/XXXX, it states that at the end of the forbearance plan, ( XX/XX/XXXX through XX/XX/XXXX ) I would be contacted " to reassess '' my current circumstances as well as be provided information on alternatives that may be available to me. This did NOT happen. Furthermore, it states that " at the end of the forbearance period, PennyMac will work with me to repay the amounts included in the forbearance agreement. This too, did NOT happen. Instead. I was bombarded with NOTICES OF DEFAULT AND INTENT TO ACCELERATE. 
In one week I made 3 payments of {$930.00} ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. 
PennyMac has completely reneged on the agreement to suppress reporting to the credit bureaus. Now I am concerned that my low credit scores will affect my car insurance rate, credit card rates, etc. PennyMac should be made to retract the erroneous information they sent to the three credit bureaus.

I would appreciate any help you can provide regarding this matter. 
Thank you,
I receive at least 10 calls a day from Nuvell Financial. When I pick up they say please call certain number. When I let the answering machine pick up they leave no message.
I had a fraudulent charge from XXXX XXXX ( debt collector was XXXX XXXX ) for services that I did not approve, consent, nor request in XXXX. I was not made aware that I could dispute the debt. In XXXX I used the XXXX XXXX app on my phone and discovered I could dispute the charge through XXXX. I successfully disputed the charge and it was removed in XXXX for roughly 6 months. Around 2 weeks ago from today ( XXXX ) the debt was reinstated onto my credit through XXXX without any form of notification, which has now costed me a home loan that I was applying for to purchase a home. This debt reappeared on my credit with a date of XXXX ( which is incorrect as verified to me from XXXX XXXX and XXXX  both ) with the debt collector still being XXXX. I attempted to contact both XXXX and XXXX  to remove the charges ( unsucessfully ). I also tried to redispute the charge through XXXX, and my dispute is not even showing up a week later from submitting ( so I'm assuming it has been denied ). This activity, as I have researched and discovered, is illegal. I was not given the required 5 day written notification, nor was I given the opportunity to contest it. The unscrupulous debtor put in the wrong date. And, most importantly, this is a fraudulent charge that I never signed a contract for to receive any services from XXXX XXXX ( and did not receive ).