WillisBack/dataset-financial-user-claim huggingface dataset:
Ocwen refuse to change my mortgage payments from XXXX to XXXX .my mortgage for XX/XX/XXXX is XXXX ocwen has n't explain to why I am paying additional {$360.00}. Ocwen has poor customer service and I feel as if they are forcing me to lose my home I emotionally stress.this is the XXXX complaint I do n't understand how this company is not under investigation by the government.
I have student loans from XXXX. That keep showing up on my credit report. These federal student loans back days over XXXX. I have asked for them to be removed and its still showing. 

I also have unauthorized hard inquiry on my account from. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX. I also have a police report filled that I even have the companys the police report number. 

Policy report # XXXX
On XX/XX/XXXX, I called William Rush and Associates concerning a debt that they are reporting on my credit file. I called and spoke with a XXXX around XXXX CST. I asked XXXX if I could make a payment arrangement on the debt that they claim I owe. She gave me XXXX options, XXXX to pay in full ; XXXX to pay a settlement amount ; XXXX to pay 25 % of the original debt and make monthly installments. I told XXXX that I was unable to pay any of the amounts that she had provided and that I was willing to pay {$100.00} towards the debt and make arrangements afterwards. XXXX informed me that if I did not pay the debt by XXXX the following day then she would " advise her client to move forward with theft charges. '' I told her that was unecessary but I still did not have anything close to the amounts that she was requesting for me to pay. She further stated that if she advised her client to move forward with theft charges that there would be an additional {$1500.00} added to the overall debt amount owed. I told her that I did not have that money but I am willing to pay {$100.00} towards the debt and she again told me that I had until XXXX on the following day to pay or she would advise her client to move forward with theft charges. She further advised me that I have credit cards that have {$1000.00} balances, I have a car loan, and I have student loans that were showing paid on time and that I needed to call them and ask for a credit increase and tell my car loan servicer that I needed to skip a payment in order to pay William Rush & Associates. I told her that I only have {$13.00} available credit on the credit card and that I do not have anything other than what I told her I had. She then told me to call my family members, clergy, etc. in order to gather the money to pay. She further stated that I have been attempting to purchase something since XX/XX/XXXX and I needed to pay this debt prior to purchasing something else. I ended the call. Shortly thereafter, at XXXX I called back in hopes I would get a different representative and was connected to XXXX again. I asked her about the payment arrangements options that she had originally given me on the first call and she repeated them. I asked her if there was anyway to pay next week and she stated that I had until XXXX tomorrow in order to pay or she would advise the client to move forward with criminal theft charges. I told her that I did not have that amount to pay and that she did not have to wait until XXXX tomorrow that she could advise the client to move forward with theft charges right away. She said that she would and ended the call.
I used my Amex card to reserve and pay for an XXXX rental car. The card provides insurance for rental car use as a benefit and regularly touts such coverage. The car was damaged and I provided all necessary info to the company so that they process the repair through Amex. During this process, Amex 's claim agent kept " denying '' coverage due to repeated inaccurate information : 1 ) I have another car ( it was a previous lease that was returned two years previously ) ( 2 ) I do n't have insurance ( My lease vehicle is a XXXX lease and the insurance is covered by the company as part of the lease ( 3 ) I have to pay my primary deductible ( I repeatedly informed them that there is no deductible in my company car coverage ). I provided repeated documents supporting all the above from ( a ) prior lease company car return ( b ) Insurance detail for the current company car lease ( c ) documentation from the corporate company car department. While all this is going on, I repeatedly request status information on the claim since XXXX is now contacting me directly for payment. I receive nothing. I write both XXXX and Amex re : all this early in the process ... nothing from Amex. I finally call both the Amex Insurance company who wants to return me to the agent that has been the problem from the beginning. I demand a supervisor, who never returns the call. I call Amex corporate and go through the same story. They say they do n't handle it, but their records show the account has been cleared. I finally try writing the General Counsel of AmexXXXX seeking assistance and no reply. This has been going on a year! XXXX will not rent to me any longer and I 'm concerned about the impact on my credit. 
Amex touts this " benefit '' for it 's users as an incentive to use their card and refuse rental car company coverage. This process of " bait and switch '' or outright fraud must be happening to XXXX other card members/users. I want someone at a level of management to be able to act independently to review this file, talk to me if necessary, and resolve this issue.
I paid off a mortgage with XXXX in XXXX. Now when trying to clear the title on this property during it 's sale I am told there is default on the property. My county recorders office tells me the property shows it was paid off but the wrong instrument number was attached to this. 
XXXX bought all XXXX in XXXX, however since mine was paid off in XXXX it was not transferred to XXXX. The mortgage is now in the hands of BNY Mellon. For weeks XXXX XXXX XXXX XXXX has been trying to clear this title. The contact in BNY Mellon is XXXX XXXX XXXX. I have been contacting XXXX XXXX XXXX at BNY Mellon through email and numerous voicemail. I even went to XXXX with documentation of the payoff for this mortgage. I have received no response.
On  XXXX   XXXX ,    2017 this financial instituti on pulled my credit without my consent. I contacted them twice and they refused to send proof that i gave authorization to do so. I then asked that they contact the credit bureau and retract the inquiry and they again refused. I now beleive that they are in Violation of my rights.
After making several payments my interest rose to the point that my balance doubled causing a ripple effect and the payment to pay of the bal became completely unattainable.
In general, I believe that credit card treatment of foreign exchange transactions is an area full of undisclosed charges and unfair treatment of consumers. I would ask CFPB to examine this area. The proximate cause of my complaint is an instance with my BankAmericard where I was charged a foreign exchange fee of 3 % on a transaction denominated in US $ -- with a value of {$980.00}. Under Bankamericard terms, they charge the fee whether the transaction is in foreign currency OR in US $ processed outside of the US. My complaint is that this is a rather obscure fee that has no connection to any business costs that Bank of America actually generates. Further, the method that credit card companies use to determine the foreign exchange rates assessed on consumer transactions do not appear to bear much relationship to the wholesale FX costs that they actually pay.
Wells Fargo foreclosed and sold our home at sheriffs sale despite the fact we were not delinquent - apparently due to the results of a class action resolution they undertook with the Justice Department related to " pick-a-payment '' financing by XXXX, our original lender. Despite our being aged almost XXXX, my wife suffering from XXXX, after full compliance with all of their demands, we were strung along with a myriad of, what they later described as " mistakes ''. These would include, but not be limited to : 1 ) failure to refund to us, some {$16000.00} of hold back funds when required work was completed, 2 ) a Sheriff 's Sale of our home when we were not delinquent, 3 ) Post said sale, revealing that we had XXXX dollars of credits posted to Escrow " suspense '' and " unapplied '' accounts ( said monies not listed in paperwork leading up to the sale ), 4 ) Stringing us along for almost three years during which we received phone calls and letters asking us to be patient and that they needed a little more time to resolve the mess, 5 ) Advising us by letter that the loan was paid off with no balance remaining, 6 ) Advising us that they were sending a Deed which we needed to refinance this and adjoining properties ( which was never sent us ) 7 ) At one stage, requiring us to sign a loan modification, " ... to get the settlement process working ... '', whereon they did not sign their portion, nor send any clarification of status until well after they had communicated in several ways that our loan was paid off. Subsequently, almost two years later, a copy of the completed/signed by them " agreement was sent us, and they started demanding payments, 8 ) When we wrote asking for clarification and providing them with evidence of the communication to us that following adjustments, we owed no money, they again strung us along with phone calls and letters advising they were researching the matter, and expected resolution within the next several weeks, 9 ) Despite these assurances that they were working toward a resolution ( and still so claim ), they again commenced foreclosure ( bear in mind we have yet to receive a deed which shows the property to be in our name ), the date of said sale is scheduled for XXXX/XXXX/16. In light of the other shenanigans that they are involved in, are others suffering such as we are? This matter appears to be clearly beyond our ability to deal with what appears to be a predatory ( admittedly cordial but with devastating results of our continued patience that they request ) action against folk that the Bank has extensive data as to the damages we have and continue to suffer. HELP!
I made a large payment to pay down the principal of one of my student loans. Nelnet does not recalculate automatic loan payments and make it unnecessarily onerous in order for them to recalculate automatic loan payments. I 've contacted them twice with regards to me paying down the loan while the automatic payment amount has gone unchanged. This varies very differently from other student loan service providers I have used, specifically XXXX XXXX. In addition, Nelnet does not allow for me to change the automatic payment myself, so regardless of how much I pay they will continue to take additional money out of my account to force me into shortening the duration of the loan rather than lowering my monthly payments. I have already submitted a letter indicating I do not want to advance my payment schedule, they continue to ignore my requests.
I contacted both the the company in charge of the incorrect collections account as well as Experian to have it reversed. Speaking with Experian they refused to offer any real assistance and when asked to speak with a supervisor I was refused this as well, and told I could recieve a call back but there was no gaurantees.
XX/XX/2018 - I made a more specific attempt to resolve issue to XXXX  and TransUnion. 
Two accounts are being reported on my credit history that were opened via fraud. 
XXXX XXXX XXXX XXXX XXXX Line of Credit account and XXXX XXXX XXXX Credit Card. 

I recently sued XXXX XXXX related to employment I had with them in conjunction with the loans mentioned above. I sued in the XXXX Pennsylvania District Court - Case XXXX. My case was over Discrimination, Breach of Contract, Fraudulent Misrepresentation, Interference with Prospective Economic Advantage and Violation of Pennsylvania Wage and Payment Collection Law. Part of my issue with XXXX XXXX was that I they made me obtain the loans for XXXX XXXX benefit with XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX. These loans were granted using my Intern Salary which XXXX XXXX only paid me for a short period of time while preparing to open my office/agency. I had to use the funds from these bogus XXXX XXXX loans to the benefit of XXXX XXXX by purchasing XXXX XXXX marketing materials, XXXX XXXX mail and online ads, etc. 

I attached the lawsuit for your review. If you take the time to read the lawsuit, you will understand how and why I had to sue XXXX XXXX. While the case was settled, I still have the credit issues from the fraudulent loans that XXXX XXXX made me take during my Internship. 


XXXX XXXX XXXX XXXX XXXX XXXX - I was required to take this loan as part of a for hire/internship scam by XXXX XXXX. The fraudulent loan should not be reported on my credit report. 


XXXX XXXX XXXX XXXX - I was required to take this loan as part of a for hire/internship scam by XXXX XXXX. The fraudulent loan should not be reported on my credit report.
On XX/XX/XXXX, I was about to secure a mortgage. I have memberships with XXXX  and XXXX.

On XX/XX/XXXX My XXXX credit score listed at XXXX.

On XX/XX/XXXX, I received an Alert that Discover lowered my credit Limit.

I logged into XXXX and found out Discover lowered my Credit Limit from {$16000.00} way down to {$3300.00}. This had a negative impact on my credit to ratio raising it from 33 % to 39 % As a result my Credit score with XXXX, XXXX and XXXX  dropped 19, 27 and 24 pts ( see attached ), I believe Discover received an inaccurate credit report on me. I did have an issue with a XXXX XXXX   account reporting as 60 days late.But that was resolved quickly and properly updated.

I am requesting Discover reverse the credit limit decrease since it used inaccurate information.

But even with the inaccurate report the Discover likely used, I have to ask if my limit decrease was in line with others of similar credit history. I mean a drop from {$16000.00} to {$3300.00} when I have never been late with Discover. Only used about 10 % of my available credit with Discover and my credit score even with the inaccurate reporting was still around 630 However, I do have another concern : Due to the recent political atmosphere I have experienced discrimination as a result of my name XXXX XXXX the stigma from people and corporations assume I am or was a XXXXXXXX XXXX. This could not be further from the truth and for the first time in my life I feel like I have to begin defending my heritage.

Therefore, I would like to address that : I am a 2nd generation American citizen, My father was born here, my Mother is XXXX and XXXX.

My father, who grew up poor, worked his XXXX off and became a successful XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

I followed my father as a XXXX XXXX but also expanded as an XXXX.

My wife is also XXXX and I have XXXX   beautiful ( XXXX XXXX ) daughters.

I own 3 homes : which I built Primary residence : 1. XXXX XXXX XXXX XXXX XXXX XXXX Value {$700000.00} and only owe approx. {$150000.00} 2. My lake house : XXXX XXXX XXXX XXXX   XXXX  XXXX  Value {$800000.00} ( I owe {$210000.00} ) 3. My vacation condo in XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  Value {$460.00} ( I owe {$190.00} ).

I own the following companies : XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX.

MY XXXX  page is under : XXXX XXXX ( where I network all my businesses )
I use BBVA Compass Bank to send an International Transfer to XXXX. 

They take the money for my account, but never deliver that money. I contact them, and after an apologize, the say will send the money, and never happen. 

I call and call, with the same results. 1 ) Do n't send the money, 2 ) Do n't return the money to my account.
Hi I have an account with Franklin First FinancialIn Late XXXX I Paid two months mortgage payments in advance and I was instructed that to get refunded the additional payment made in error I would have to grant them access to deduct another mortgage payment which in turns means I will be immediately refunded. 
Unfortunately the last response provided from the Mortgage company is that they owe me no funds.
Portfolio Recover Associates is reporting a collections account on my XXXX, XXXX, and XXXX credit reports. On XXXX/XXXX/XXXX I sent them a letter asking for verification of the debt. They sent a response letter stating that in a previous letter they had asked me for more information but I never sent it. I never before received a letter, email, or phone call from them requesting additional information. On XXXX/XXXX/XXXX I sent another letter requesting verification of the debt, which they responded with a letter saying in a separate letter they sent me a request for information and I never sent it. These are BOLD FACE LIES! They have never attempted to contact me requesting additional information and are using this lie as a means to continue reporting false information, as they have been unable to verify the debt.
Debt was to be paid by my insurance company at the time. Someone at the hospital goofed up and billed me instead. Since the insurance company was responsible for the debt, not me, I did not pay. I instructed the medical company and the collections agency to contact the insurance company to settle the debt. They did not do so.
I am getting a report that has told me some one has open a mortgage in my name and credit my credit score is now down I believe because of it. I have not open a mortgage loan at all.
On XX/XX/2017 GM Financial with whom me and my husband had a joint loan for XXXX XXXX XXXX paid the pain in the mail, the check wasnt received. We found out next month the payment hadnt been received, made a double payment. GM removed the late charge and said they would remove the 30 day late on our credit report but since have not done so. My husband and I have called them and sent many letters. We feel GM is acting unreasonable in the situation since we had great payments before and after that event. Always paying online now. We also opened a new loan with them in XXXX. The mark of 30 days late on our credit is very damaging and need some help. 

Thank you
I went to an ATM ( XXXX XXXX ) on XXXX/XXXX/2016 to withdraw {$400.00} & it did not dispense out. It went in the local branch & talked to XXXX XXXX about the matter & it was later acknowledged that my money did not dispense out so therefore XXXX XXXX ( handles ATM disputes ) faxed the paperwork to UniRush which is the parent company of Rush Card about the matter & they released the {$400.00} back to Rush Card on XXXX/XXXX/2016. I have called RushCard several times & each time they keep saying that the money was not sent back to them, however, I have the paperwork from XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, WI ). Each time I call, Rush Card tells me a different story. I was told that I would have my money by the end of the business day XXXX/XXXX/2016 & now I am being told they did not receive the money. I have bills to pay & for them to keep giving me the runaround is unacceptable. It 's like I am being punished for something that I did not have control over.
Question : I need to know what has changed with CHASE.COM and scheduling bill payments. Something is different recently and I do n't know if this is because a regulation changed or if CHASE just changed their programming code in order to collect more fees XXXX. 
Background : I 've been scheduling bills electronically for at least 10 years. So I get it. I know how it works. You ca n't schedule a payment to be made on a weekend day or holiday. If a payment is due on XXXX those dates, you have to pay the bill early in order for the bank to have enough time to process the payment. 
Recently, ( this has happened XXXX to me now ), CHASE has decided to move my Bill payments originally scheduled for payday Friday to the day before my paycheck is deposited into my account. Then because I did n't have the money to cover all those payments the day before, they over drafted my account, charged some fees and moved the outstanding amount from my savings as the XXXX accounts are linked. The rep on the phone stated, " This is how all bill payments work even at other banks '' and because " they do n't want my payment to be late because of the holiday. '' Needless to say, I was SO NOT HAPPY. I do n't schedule bills to go on holidays. Then charging fees on top of it - to move my money over for no reason. As soon as I got the alert about my overdraft I tried to log into my account. Something else was going on as their system was unavailable for 2 days, Thursday XXXX XXXX. I searched for a phone number on-line and called. The rep on the phone was pleasant enough and gave me a one-time refund of the fees. Fine - but what about all future holidays? Is this happening to everyone? How many fees have they collected from people who did n't realize this was happening? Is this legal? 
CHASE DOES NOT get to decide to just move my payments to another day. I decide. Do I need to close these accounts and move to another bank or is this happening at every bank that does electronic bill payments? 
I would really like to know if this is legal and what I can do to avoid this problem in the future without having to go back to printing checks and the mail system.
On XXXX XXXX, 2018, I applied for the American Express Gold credit card online via a referral link my friend sent me and got instantly approved. The process was smooth and I clearly remembered I did NOT receive any " pop-ups '' saying I would not be eligible for the welcome offer ( as Amex customer service later claimed I should have seen ) during the process. To confirm I was eligible for the welcome offer, I even went ahead and gave a call to Amex customer service on XX/XX/2018 XXXX - they confirmed I was on track to receive the bonus and gave me an offer progress number : XXXX. 

I have spent far beyond the requirements but did not receive any of the promised rewards. On XX/XX/2018, I contacted Amex asking for why I was not issued the rewards and was told my offer was declined because of " misuse of credit card ''. I escalated the call several times and they were unable to tell me what exactly cause the " misuse ''. 

What Amex has done was very deceptive : 1. If they determine a customer would not be eligible for the offer, they should inform the customer before they conduct the credit check and approve the card. The credit card market is very competitive and customers have many choices other than Amex. From a customer 's perspective, what Amex has done is fraud. And it has gained Amex an unfair advantage in the credit card market. 

2. What is worse than not informing the customer when they applied is : to tell customers they are eligible when they are trying to meet the requirements and then tell them they are actually not eligible after they have met the requirements. I don't know if Amex is  doing this on purpose. If they are, it looks 100 % fraud to me. 

American Express posted on their website for the Amex Gold credit card : " Earn XXXX Membership Rewards Points '' and " Receive 20 % back as a statement credit, up to {$100.00} per Card account, on dining purchases at U.S. restaurants for the first three months of your Gold Card membership ''.
Trans Union, XXXX are reporting a {$93000.00} dollar deb in my credit reports and this is a mistake make by the child support system. After a lengthy proses trough the court systems I was able to correct this problem and the judge finally signed the order to remove the deb. So since XXXX XXXX 2015 my balance is {$0.00}. but this above mentioned credit agencies refuse to remove the information from my credit file despite my efforts to provide copies of the original court orders and XXXX requests to remove it. They just do n't care. Trans Union have the information twice on the same report making my XXXX XXXX X XXXX = XXXX this is what creditors see when I apply for credit that I have an outstanding debt of {$180000.00} and this is impairing me from buying a house or a car. 
I am writing the CFPB as my last resource of dealing with this credit agencies. Please help me with this problem. 
Thanks. 
XXXX XXXX