I have to agree with Mikebarger 500%.
Do a test for density to be sure exposure is right and then a series of development tests with your water, your thermometer, your agitation, and in=date developer.
For what it is worth, Massive Chart always gives me way over dense neg. I don`t know where that info comes from. I have to be reasonably close because manufactures times are perfect for me. Massive has to be the problem.
Also scanning is pretty worthless to detirmine if highlight density is correct.
You are checking the meter, but how about the shutter ?