WillisBack/dataset-financial-user-claim huggingface dataset:
I was first informed to set up an account with XXXX XXXX and my parents were paying a monthly loan to them on my account. We have been paying them since XXXX XXXX XXXX. We were not given any monthly request but we continued to send money to my account. When I called in after 2 years of paying the monthly payments, XXXX XXXX said that they no longer do student loans and have transferred that over to Navient. We were not notified of this at all. 

The worse thing is, that they somehow link my account to another person 's account. Thus, I no longer have an account and have been paying this other person 's account. I called in asking for a refund. We faxed our bank statements to Navient in order to verify and support our refund. We submitted the fax papers on XXXX XXXX, XXXX. We were given a refund back but not the entire amount. Navient 's claim was that they did not know where the rest of the money went. They held off our refund request. I called in continuously asking what is going on, their response was, " our research team is still doing work on this issue. '' They claimed that they would call back after a certain amount of days in order to inform me of the situation, but they did not. 

This company is lacking in its customer service. I was on the phone for about an 1 hour and 40 minutes. I always have to explain my issue to the recipient because they would not give me a direct line to a manager/supervisor. That wastes another 20 minutes or more of my time. 

They claim that they will give the rest of the refund by this Thursday, XXXX XXXX XXXX. I do not believe it. But we will see. 

I am complaining about their customer service, their productivity, switching my accounts, and their lack of communication.
I am involved in what has to be the longest re-finance of a loan ever!! I own a rental property and because of divorce, losing my job and the interest rate adjusting, I couldnt afford the payment so I applied to XXXX to refinance the loan instead of defaulting. This started in the middle of XXXX and was going along great when XXXX decided to sell the loan to SPS ( select portfolio servicing -approx XXXX ) -- this has to be the WORST company ever!!! I have been submitting the RMA since then monthly and have had to submit one section ( section XXXX ) no less than 9 times ( I am not kidding-I have the copies )!!!! I am supposed to have a relationship manager, XXXX, who never calls back or takes a week to call back -- why have one then?? Everytime I call I put in her ext. and it goes to someone else? Anyways, the problem with section XXXX is that this is a rental property and not my primary residence ( I am renting now ). I have had to send it on with the different boxes checked, my primary home address, mortgage payment and HOA payment -- did I mention I am renting now? Everytime I call there is a new customer service rep that says send it in this way after talking to underwriting and EVERYTIME when i call to see if they have received it, there is a problem??? I have asked to talk to underwriting numerous times but they dont take calls?? So here I am almost 2 years later and no closer to refinancing?? I just want to know if they are going to approve this or not so I can tell my tenants what they need to do, or if I can short sale it, or just have them foreclose on it?? At this point I am considering the later but really dont want to do that. I need help with this so called company and let me know if underwriting is ever going to get its act together and make a decision????
Equifax has placed my credit file in the Office of Consumer Affairs. I can not view or see what is going on with any disputes. 

The company refuses to block the fraudulent information and every time I report it to the Consumer Finance department Equifax always request more time and never properly assist me with disputing the accounts and/or blocking the accounts. The company ( Equifax ) is not telling the truth about needing more time to research the dispute. The company is violating the FTC laws and trying to cover up things with the Consumer Finance Department as if they have my best interest.
My ex-wife and I had a charged off account that didnt get taken care of in our divorce. I found on my credit report that I had a charge-off account with XXXX XXXX XXXX XXXX XXXX. The amount was around XXXX. I called XXXX to make payments and they referred me to their debt collector that was holding the Debt. SARMA Collections Inc. They advised me the total amount with fees to bring current would be XXXX. I made a payment XX/XX/XXXX for XXXX. I made another payment XX/XX/XXXX for XXXX and a final payment of XXXX on XX/XX/XXXX. I received in the mail a pay off letter from Sarma showing debt paid in full. My ex-wife was advised by XXXX that we still owed them, not Sarma an additional XXXX and they requested a payment be made to them on this same account, even though they no longer were holding the debt. XXXX is refusing to refund the amount of XXXX to us, as this would be an over payment, plus we already received a pay off letter from the debt collector. After reviewing Texas Law regarding Debt collection they appear to be in violation being of failing to give information on regards to actuall who holds the debt, over-charging, and presenting false information regarding balances as XXXX in the collections department will not tell me the total amount XXXX that was charged-off. I spoke with him twice today XX/XX/XXXX at XXXX and again at XXXX the same day. I asked him why they would accept a payment from us if they do n't hold the debt? He said he is allowed to take payments from the consumer even if the account was deferred to a debt collection agency. I said they are double charging us. He would not contact SARMA with me on the line to figure this out.
Navient is mishandling my payments. As I always do, I sent my payment in the form of a XXXX XXXX money order. That way I can easily track it. I have learned from experience. 
On the money order is my account number, my name and my address. 
I always send the payment by priority mail again so it can be tracked. I send the money order to the P.O. Box for the borrower. 
The XXXX payment was delivered on XX/XX/XXXX at XXXX. to an individual according to the Post Office tracking. 
I checked my account on XX/XX/XXXX to find it was " Over due ''. I called XXXX XXXX to check on the status of the money order, it had not yet been cashed. 
I called Navient and they had no record of the money order. They took the information and said I had to send them a copy of the front and back of the money order. At XXXX XXXX, they received the faxed copy. 
As of XX/XX/XXXX, the account is still flagged as overdue. The money order was cashed on XX/XX/XXXX. I called and again spoke with Navient. They have submitted another ticket. 
This is the 2nd month in a row that the funds have been misappropriated.
Citizens Bank had a promotion that of you opened a new business account by XX/XX/XXXX with {$2000.00}, you would get a {$300.00} bonus by XX/XX/XXXX. I have not received the bonus.
I have emailed Navient many times throughout the life of my loan which started in 2011. I have paid way too much interest over the life of this loan. I can not restructure my loan, I can not pay down the principal. I'm asking for someone to look at the structure of this loan. I want to pay this loan back FAIRLY. I have already paid {$25000.00} in interest since 2011. 

I still owe $ XXXX. The original balance was $ XXXX. This does not make sense to me. 

Please help me understand this loan structure. I'm hoping someone will call me to provide me guidance. 

thank you, XXXX XXXX XXXX I will upload my loan summary so you can see the details. See page 2 of 3 please.
I contacted XXXX, XXXX, Equifax on X/XX/2017 and XX/XX/XXXX in regards to the negative information reported on my credit reports. Upon reviewing a copy of my credit reports I see various entries listing inaccurate Account Status ( Closed ), Payment status [ Debt included in or discharged through bankruptcy chapter XXXX,XXXX, or XXXX ] and balance. I 've asked the 3 credit bureaus to validate this information with XXXX XXXX and provide me with documentation associated with this account. I requested that the data be immediately deleted from my credit files that are maintained under my Social Security Number. I specifically stated that I do not consent to XXXX or any other means of automated verification to all 3 credit bureaus. Which they have ignored.
global credit collection sent me a letter saying i owe a debt from original creditor XXXX saying i owe money even though i have a paid letter from XXXX sayings its paid- global continues to call my fathers house to collect this debt and disclosed my information to him and threatens to take legal action saying i committed felony fraud
All of my CITI bank credit cards were closed without my permission. I was provided a letter which did not provide a specific reason nor did it provide a telephone number for me to call and obtain a specific reason. This is a violation of federal law ( Equal Credit Opportunity Act ( ECOA ), as implemented by Regulation B, and the Fair Credit Reporting Act ( FCRA ) ) I was not refunded the annual fees on any of my accounts, even though I just paid some of them. I paid every bill on time and did not engage in any illegal behavior or any behavior that violated the terms and conditions. CITIbanks actions are theft, breech of contract, violation of federal law, and possibly discrimination.
I have been trying to receive my credit report and credit score for the past two years and all I receive is statements saying I am not the person or incorrect information. I have been denied my report from all XXXX credit bureaus and am confused on why.I have had my drivers license suspended and other issues I have reported and everyone does n't believe I am me.
I took out an instalment loan in the amount XXXX every month i made a payment of {$110.00} without failed. last month i a payment of {$830.00}, while in the web site they said my balance is {$1900.00} however they made an inacurate report to the credit reporting burea, to XXXX {$2600.00} to XXXX {$2500.00} this is innacurate and they refused to correct the balance due unfair reporting that unnecessary increase my debt to income ratio.
My checking and savings account that I have through the Bank of America was compromised online on XX/XX/2018 by a person or persons from XXXX. The bank failed to provide adequate security over my account with the initial transactions when the individual ( s )  transferred 3 large sums of money from my savings account into my checking. It wasnt until after the transfers that I received an alert informing me that there was unusual activity on my account, which I believe should have caused the bank to freeze my account. This did not happen. I informed Bank of America that the transactions were not made by me and that I also I noticed that someone had successfully completed over 300 transactions and started buying XXXX with my checking account. I went to one of the banking centers and was informed that I could not be helped and my questions and concerns were promptly dismissed which led me to file a complaint against the manager and the employees with their area director which turned out to be fruitless. I have called the BOA debit card fraud department and was hung up on after being told by multiple managers and employees that there was nothing that could been done to help me. I proceeded to go to another banking center where an employee has been trying to help me but management seems to treat her the same way and I it doesnt seem that they want to resolve this issue. I have been repeatedly told by multiple managers with the debit fraud customer service call center that it is my job to figure all of this out. I had a XXXX XXXX last year, which I have disclosed to the people at Bank of America, and the endless battle of being constantly dismissed and losing such a large amount of money has caused my stress levels to increase dramatically. Yet it seems that they still refuse to help me. Can someone please contact me regarding what steps I can take to correct this blatant disregard for my financial well-being and personal health. I have {$18.00} of my funds that are unaccounted for and I would appreciate any help with this matter because the bank has said it is up to me to figure out how much funds are missing and how to go about receiving resolution but I see no way to do this if they will not listen to me.
NelNet is incorrectly reporting a past due student loan. Attached are screenshots making it crystal clear their errors. I consolidated my " NON DEFAULTED PAID IN FULL THROUGH CONSOLIDATION LOAN '' loan to XXXX XXXX onXX/XX/XXXX ( see gov bank end shot ). NelNet is reporting a past due collection for this same loan on my credit report with 180-day lates XX/XX/XXXX. NelNet is incorrect and never updated their systems with this loan like my other loans were.
After suffering an incident of identity theft, I placed a fraud alert on all XXXX credit reporting agencies and froze my XXXX XXXX file asking any potential creditors to call me to verify my identity before pulling my credit reports. However, Exeter Finance Corp did not call me to verify my information before running my credit, a violation of my rights as consumer. I have reached out to all XXXX agencies several times to have the unauthorized inquiries removed from my credit reports. However, each time I was told they verified the inquiry. I have also attempted to speak to someone at Exeter Finance Corp to no avail as well. I never consented for  anyone at Exeter Finance Corp to access my credit files nor was I contacted by Exeter Finance Corp to ensure they verified the identity of the person authorizing the inquiry. For these reasons, I respectfully request the inquires by Exeter Finance Corp be removed from all of my credit reports.  Please see below for which inquires I am requesting to be removed : XXXX : XXXX and XXXX
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY
As I already reported via telephone, I am a Victim of identity theft. I have recently learned that my personal information was used to open an account at XXXX. I did not open this account, and I am requesting that the account be closed and that it be absolved of all charges on the account. This account was bought by this XXXX XXXX XXXX a third party, which acquired a debt that was not authorized and is not lawful to pursue action on something that has not been validated.
I want to open an Virtual Wallet checking account in PNC but they did n't allow because their system shows that there is a Fair Credit Reporting Act in my consumer report. So I called XXXX XXXX and got my consumer report but it only shows basic information of my previous account in XXXX. The report does n't contain anything wrong with my personal credit. Then I went to the XXXX XXXX XXXX to check if there are something wrong with my previous account and they told me I do successfully closed that account 5 years ago as well as did n't owe any money. Now I went to PNC again and they were still not allow me to open a new account since their system has such a " Fair Credit Reporting Act ''. I am really confused and could you give me the reason why I ca n't open a checking account in PNC. Thank you!
Since XXXX I 've been receiving calls from a debt collection company, Chase Receivables. 
Their number is XXXX XXXX XXXX Their website is XXXX I 've checked with my XXXX banker and they 're not affiliated with XXXX XXXX They say I have a delinquent account They wo n't ever say what the account is because they say it 's federal law that I need to verify my identity first They tell me that I have to provide my DOB or my SS # When I do n't provide it they say that they need to make a note in my file that I 'm " refusing to verify. '' When I tell them I 'm not providing any information unless I see something in writing they say that they 've sent me mail, which has been returned They call regularly and when I do n't pick up they never leave a voice mail
I called on last week about my account with Security Fiance in XXXX SC I called one week I owed {$140.00}. I made a payment and I called again it stated I owed {$170.00} nobody could explain to me about how the late fees work because that is over XXXX of late fees in the last 3 weeks. I contacted the consumer complaint department for Security Fiance and they contacted the Regional Manager. I had missed calls from him so I called him back on XXXX/XXXX/16. I told him nobody could explain it to me and it sound like late fees was backed dated. He explain to me that some people do not understand how to explain it. Then he started in a firm tone. You are young woman and you are messing up your credit. I told him excuse me sir I understand, but I did not call for you to preach to me about my situation, because you do not know what have taken place with me. I told him I have been out of work for a year, and I have paid a XXXX account to down to XXXX. The Regional Manger stated that he did not like my tone. I told him just because I still own you money in a calm manor does not mean that you can disrespect me or any other customers. I told him I am a adult, and I am not a child. He went on stating that people that are not in business do not understand. I told him I work in business, and I am a educated person that is not slow of understanding if you explain to me. The Regional Manager threaten and stated he will put my account as a hard account. He threaten a deceptive practice because of our conversation. Yes, my account is late but I have been paying on it, and no further action have been made my balance left is a {$170.00}. He threaten me with a deceptive practice which I am not for sure how this can turn out what he may do with my account or have on my credit. I have made multiple payments and requested receipts to be mail due to me working temporary positions their office be close when I get off no receipt of proof showing my payments been entering. How do I know if the amount have not been adjusted without record of balance.
I opened a checking account in XXXX, XXXX using a promotional code that XXXX XXXX XXXX  emailed me ( XXXX ). The promotional email ( saved and available in my email ) offered a {$300.00} cash bonus after meeting the following terms and conditions : " Bring the code above to your nearest financial center or apply online and open a new personal checking account with money not currently on deposit at XXXX XXXX or Whitney Bank by XX/XX/XXXX ... Limit of one new consumer checking-account-related bonus per household per calendar year. Enroll in online banking and select online statements, and make five eligible purchases with your debit card by XX/XX/XXXX. If you meet all of the requirements and your eligible personal checking account remains open and active, we will deposit the earned bonus into your new personal checking account no later than XX/XX/XXXX. '' I completed all required tasks by XX/XX/XXXX. The email stated that the bonus would be paid by XX/XX/XXXX, which has long passed. I called the company at the end of XXXX and was met with a customer service agent who promised that the bonus would be paid in XXXX. That passed and I still received nothing, so I called the bank again. This time, I requested a manager and again was met with poor attitude and a general unwillingness to solve the problem. After a lengthy wait on the phone, the manager tried claiming that my {$300.00} bonus would not be paid to me in XXXX because of the clause in the terms : " Limit of one new consumer checking-account-related bonus per household per calendar year. '' I tried to be kind and calmly explain that she was in error, and encouraged her to evaluate the dates in question. My husband opened a XXXX XXXX checking account in XXXX of XXXX, met the terms of his bonus by XX/XX/XXXX, and was paid his bonus in XX/XX/XXXX. Clearly, that doesn't violate the terms, since I opened my account in the exact same sequential timing one year later. It appears obvious that the real issue is poor customer service.
We bought our home in XX/XX/XXXX and our first payment was supposed to be due in XX/XX/XXXX.  When the loan was sold to Lakeview Loan Servicing , LLC, we attempted several times to make our XX/XX/XXXX payment. We were told that the payment was moved to XX/XX/XXXX and that no payment was due XX/XX/XXXX. We were hesitant to accept this change as our note stated that the payment was due XX/XX/XXXX. We made calls prior to 5/1 and again on XX/XX/XXXX. All documents received from our new lender, including a mortgage statement dated XX/XX/XXXX, show our payment due date is XX/XX/XXXX. However, on XX/XX/XXXX, my husband received a phone call stating that we were late for our XX/XX/XXXX payment. Apparently this was an error made at some point in purchasing the loan and it was fixed on XX/XX/XXXX. If it was fixed on XX/XX/XXXX, we received nothing in writing regarding this change. Now, 2 weeks after the change, and one week after we are already late, they called demanding payment. We have attempted to request that this mistake be cured and our loan modified but were only told that we need to make 2 mortgage payments within the next 20 days to avoid penalties. My husband spoke with a supervisor yesterday who admitted to having made the mistake and told my husband " it shouldn't be a problem to adjust our payments and add a month to the end of the loan ''. When I spoke to them today, the company was clear in offering no cure to their mistake. The last person I spoke to was XXXX, her ID # XXXX. Any assistance in the matter is appreciated. Thank you
I requested in writing on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that XXXX / Resurgent cease contacting me pursuant to 15 U.S.C. 1692c ( c ) and California Civil Code 1788.17. XXXX / Resurgent continues to contact me to collect one or more debts, most recently in writing on XX/XX/XXXX ( see attached letters ).
So I started off with XXXX on my loan in XXXX. Now I 'm up to XXXX on the same loan. I have been dealing with Navient who holds my loans. The loans have been put on forbearance and now been on income repayment plan but no matter what I do, my loan keeps going up XXXX dollars every year. This last time I asked why and they said it was the interest but if I look on the documents they gave me for all the income repayment plans and forbearance is explained the opposite. I also try to claim that when I graduated from XXXX, the loan was higher then what I applied for. XXXX XXXX/ Navient never looked into for me. I need help!
I am refinancing my existing Citibank Heloc with another bank. The process has gone very smooth with the exception that Citibank has not provided a payoff demand. 
One was obtained about 45 days ago but became old then a second one was requested about 3 weeks ago but Citibank is not responding. The escrow officer has been calling Citibank everyday but Citibank has not provided one. 
I was contacted by escrow for help and I have called the customer service 3 times for assistance but so far nothing. I have even faxed requests on XX/XX/XXXX and XX/XX/XXXX ( today ) but nothing yet. I have explained to Citibank that my lock will expire, that it will cost me money but they just do n't care. It should not take over three weeks for a bank to provide a payoff demand.