WillisBack/dataset-financial-user-claim huggingface dataset:
When I signed up with XXXX, they told me and my mother that the payment was only {$50.00} a month and that it would come due 6 months after I graduated. That was a lie. It was like {$350.00} a month and no way near {$50.00}. Back in XX/XX/2009 I was supposed to graduate from XXXX XXXX XXXX. Well I took the classes as they were given to me. Even when I had a professor sleeping in class, snoring away. Plus another let go for not being certified because her credentials we're bogus. Basically wasting my time and credit hours. Graduation came around I realized that they didn't give me enough classes in time. Again, I thought the school would know when I graduated. So I went on for 3 more months. Even changed campus from XXXX/ XXXX to XXXX . Well I was told at the school when I signed up that repayment was to come due, 6 months after graduation. Well XXXX was only 3 months after. When I was to sign off on my degree in accuracy, they gave me the wrong degree, they didn't seem to me to be too professional. Three months, before I got to walk down the aisle at graduation I was called about being behind on loans. I mean 5 to 8 times a day, 7 days a week beyond graduation, for almost a year and a half. Which is harrassment. I almost sought legal action. So after graduation the economy was bad in 2009 and I was struggling to pay them. I paid off what I could. I had 8 loans and I paid off 2 of them. Then my parents had another loan that I had to pay. They ruined my parents credit because of that loan. So my parents took care of that one. Now I had five loans left best I could count. I was struggling because of no work, then my car broke down. So I put it into forbearance. I tried to pay back what I could. At this time I was looking for work and found out that XXXX XXXX was not excepted by employers because they considered it not reputable. So every job I applied to I was turned down in my field of XXXX XXXX. So I tried to look for work and it became hopeless. I am now just a blue collar guy working in retail stores. Here is what bothers me. 1 ) They closed down the XXXX XXXX when it was found out that XXXX was fradulant. 2 ) My degree is worthless. 3 ) Now I am in debt to the amount of {$38000.00}. 4 ) I have been told by these loan people to do as much as donate plasma to pay for it. ( I'm not kidding ). 5 ) I have been turned down many times at employers because of XXXX XXXX is on my resume, and it's not an accredited institution. 6 ) Now I am supposed to pay on a loan which has changed hands so many times I don't know who owns it now. 7 ) They now are taking some of my tax return. 8 ) They have been charged with fraud. Why should I pay on a counterfeit degree? 9 ) I was not some guy who dropped out. I went to the end and graduated, with a XXXX gpa. I was on the dean 's list at least 5 times. I got a plaque for perfect attendance. Even when professors where being let go because they lied about their credentials. I think I got cheated out of an education. This is why I need forgiveness.
XXXX XXXX is the company on the credit file. Transunion is the company that will not do what is correct. They have reported an inaccurate late payment and I have contacted them and the credit bureaus. They have removed the account from XXXX and XXXX with no problems. Transunion keeps coming back with the account being verified when they have admitted it's an inaccurate late remark and was supposed to be removed. They are refusing to remove it and can not provide proof of the late payment. Neither can XXXX XXXX.
A company called me stating they were XXXX XXXX XXXX and that they were sueing me over a XXXX dollar debt. I asked if they were collecting the debt they said they are going to take it to court if i did not pay today. I was never given my memorandum of fdca and when i said yes i will pay the debt they asked for me credit card. I asked them what their conpany address was and if they were a government agency. They did seem to be legit and where trying to scare me. I recorded the conversation and have evidence they tried to collect a debt without following the fair debt collections act.
Enhanced Recovery has a collection for XXXX that belongs to my mother ( we have the same first name ). I have disputed it on my credit report and it remains..I have contacted Enhanced directly and they simply sent me a detail of payment due ( attached ). I want them to contact the credit bureaus and remove this. This is a violation of Federal Law. Her name is XXXX. My MIDDLE NAME is XXXX. We shared the same address. The account number is XXXX
I have submitted a complaint against LoanCareLLC with CFPB Complaint Number XXXX. Thus, I DO NOT SEE THIS COMPLAINT UNDER MY CFPB ACCOUNT. I DISAGREE WITH CFPB sending me a letter on XX/XX/XXXX stating I am a victim of Fraud according to LoanCareLLC. IT IS A FRAUD CFPB TO ASISNED A Complaint Number XXXX, AND NOT POST THIS FOR RESPONSE ON CFPB MY E-ACCOUNT. 
It is a Fraud the LoanCareLLC to ingnore the fees they are charging when consumer is paying her mortgage on time. 
NOW I WILL REPUBLISH THIS COMPLAINT TO THE ATTENTION OF PUBLIC AS A RESPOND TO THE CFPB LETTER AND RESPONSE TO THE LOANCARELLC REFUSAL TO ANSWER HONESTLY ABOUT THE MORTGAGE FEES. 
In the Article " Consumer protection bureau warns about pay-by-phone fees '' By XXXX XXXX XXXX | Published : XX/XX/XXXX, at XXXX XXXX XXXX, CFPB is asking the following question, '' Are you paying unnecessary fees just for the convenience of paying your bill by phone '' Well : LoanCare , LLC on Behalf of XXXX XXXX XXXX , XXXX, XXXX XXXX  XXXX, XXXX, PA, XXXX, NMLS # XXXX, IS CHARGING THE FOLLOWING Special Servicing FEES a customer 'MAY REQUEST ' : 1.PAY-BY-PHONE ( OVER THE PHONE CHECK??? [ e.g. never heart about such check!! ] ) {$15.00} 2. AUTOMATED PHONE SYSTEM PAYMENT UP TO {$12.00} 3. ONLINE PAYMENT FEE UP TO {$10.00} In other words LoanCare , LLC on Behalf of XXXX XXXX XXXX , XXXX, XXXX XXXX, XXXX, PA, XXXX are financial services company which regulates restriction to the consumers due to fees, as pushing them to pay-by-phone fees, automated fees and most importantly - ONLINE FEES WHICH FOR MOST COMPANIES ARE FREE OF CHARGE IF A MORTAGEE WOULD PAY HIS/HER MORTGAGE. Are THE FEES charged lawfully? I'd say " NO '' since these FEES are not expedited fees, but a regular push-pay fees for a regular mortgage payment BY LoanCare , LLC, which is a Debt Collector Company, not a mortgage company. LoanCare , LLC on Behalf of XXXX XXXX XXXX leave only one fee-less option for mortgages to pay their mortgages which is " using a bank bill payment system ''. On the other hand, LoanCare , LLC on Behalf of XXXX XXXX does not disclose the particular state and federal laws to their customers on mortgage or other statements to make sure mortgagees are aware of the legality, or illegality of charged Online or Pay-by-phone check FEES when paying their monthly mortgages. LoanCare , LLC NMLS #  XXXX makes a statement that the actual fee charges to a particular customer may be different ( or there may be no fee ) if guidance are imposed by State agencies ( VA, FHA, etc. ) or investors., and the fee schedule is subject change, and URGES CONSUMERS TO REVEIW EACH STATEMENT FOR ANY CHANGES. I disagree to be a consumer or subject of constantly changing fees to make payments for my FHA mortgage online or by phone. LoanCare , LLC on Behalf of XXXX XXXX earn sufficient profits from the mortgage interests so LoanCare , LLC on Behalf of XXXX XXXX to charge additional fees. IT MUST BE STOPPED AND MADE ACCOUNTABLE.
I received and signed the attached loan estimate and closing disclosure statements with this lender for a mortgage which stated a monthly mortgage insurance rate of {$220.00}. The final closing disclosure statement increased the monthly mortgage insurance rate to {$270.00} with no explanation or change in circumstances XXXX days before our closing. This means that tomorrow I will be forced to accept this last minute increase so that I do not lose the home or I have to forego the closing and I do n't really know what would happen to my paid deposits, appraisal fees, inspection fees, etc. It should not be legal to change the mortgage insurance once the closing disclosure is signed.
Inquiries not authorized are on my file and trans union says it is a matter of public record that ca n't be disputed
I was told I was eligible for a XXXX XXXX XXXX bonus on a new CitiXXXX checking account if I completed certain requirements within 60 days, so I signed up in XXXX of 2015. All requirements were met, which was confirmed with them repeatedly. They collected monthly fees in the amount of {$30.00}, and then when it came time to provide the bonus, I was told I was not eligible and that I would not be getting the bonus. I have tried to escalate this repeatedly with Citi customer service, promotions department, etc, even going as far as showing them proof that I was told I was targeted. It is ridiculous that Citi is allowed to get away with such blatant deceptive marketing practices, and then to collect monthly fees on top of it. I have spent over 15 hours trying to straighten this out, but have now given up hope. I think that Citi should be held accountable for their actions though. I hope that the CFPB can protect consumers from Citi 's deceptive practices in the future. If my complaint helps at all in preventing XXXX other person from signing up for their misleading promotions, then I will be glad.
Im XXXX and my XXXX is broken but I still would like to tell you my story and find out if you can help me or at least re direct me. 
The loan officer I had was XXXX XXXX and I hired XXXX XXXX to help me get a loan for a house you know it takes time, so when I found a house and applied for it, an appraisal needed to be done and I asked XXXX XXXX if it could be charged to the closing cost and he said No this is not possible Because the appraisal has to be paid right await and could not wait until the closing day, I think he is correct so I paid with my credit card, it took weeks and it required more and more information from me you know as used to but me and my husband were wondered since XXXX XXXX never tell me anything, Im mean nothing, so to get information we will ask XXXX XXXX a realtor that helped me to find the house I was applying for. XXXX did mentioned something in regards XXXX XXXX had issues with his License or the broker, Im not sure because I do n't know much about that, anyways I just keep waiting and waiting, finally the closing was XXXX, this closing letter showed that I was charge once again for an appraisal {$500.00} dollars, I though it was a mistake and or maybe one more of those charges that Im not aware, well let me tell you what happen when we where at he meeting for the closing XXXX XXXX was there and he said something about in his work place the broker had a fight or argument with the lender and the broker left and they had to start my process again. 

XXXX XXXX never notified me nothing! Never ever ask my consent for another appraissal! Never mentioned no problems like this one, I had the right to know, I had the right to decide and if the broker or whoever left why I have to pay twice the appraisal, XXXX XXXX betrayed me and he did all this behind my knowledge, he lied to me saying the underwriter is taking to long and in the mean time he was doing this with out my consent and not only that but he did charged again to the closing cost and in the past he mentioned this was not possible, this men violated my trust why because he thinks Im stupid enough and I was not going to noted on the closing cost. 

Yes the sale is closed now because XXXX XXXX took responsability and said he was going to pay me the money back ( {$500.00} ), I told him he was not responsible and will not take the money from him, XXXX XXXX has no shame and denied all responsability, he did n't even apologized for doing all the appraissal behind my back and not did NOT ask my consent! And I was unaware of all his moves. 
The closing date of the house was XXXX I could not refuse the close because I would loos my down payment and the appraissal fee {$1000.00} that was already charged {$700.00} so clsing was done but there at the office of XXXX XXXX company XXXX XXXX officer and XXXX XXXX had witness when at he same day I found out that the appraisal was charged to me twice with out my knowledge and I was crying because I felt betrayed.
The representative could not provide me with information about the amount owed other than who the original creditor was. I was asked to provide the collection company with information of what I owed them instead of them providing me with information about the amount of money that they were trying to collect. I asked to be provided proof of debt, including but not limited to, payment history, interest accumulation, and fees to verify the amount owed.
I have had my limit slashed ... I was told a letter was sent on XX/XX/18 in reference to being late ... but not over 30 days - 12 days if I remember correctly. On XX/XX/18 half of the balance was paid off, as of now the card is completely paid off. This was very embarrassing when I went to use the card, and was not aware of the lowered limit. Now they are back peddling sending me the letter again - there are hundreds of bad reviews on this company. 

If I was late ... ok, but paid a late fee - this was as if I got penalized twice - one being the late fee, and the other being a credit line decrease.
calls from : Owner Info for XXXX Landline Near XXXX, Ohio Issued by XXXX XXXX XXXX - Oh could be collection company called Diversified Consultants. Diversified Consultants, Inc. is one of the nation 's leading Telecom-specific collection agency specializing in the recovery of Wireless, Landline, Cable, Satellite and Security debts. 
Looking for a person named XXXX XXXX. I think I have had the same phone number for over 10 years and for 10 years at least 10 companies have been calling an asking about the same person. You would think that by now someone would suspect that XXXX XXXX is never going to answer. 
But what is worse they initiate voice mails with no messages. And call at least once every day. Surely some new laws and rules should be put in affect that can limit the amount of years to hunt someone down by phone numbers ... I 'm sure the money spent trying to collect this debit is 10 x what the ordinal debit could have been. 
Do n't removed the name named XXXX XXXX - she needs to know the far reaching consequences of her lame XXXX actions.
I am Power of Attorney for my XXXX XXXX year old Mother. This POA was written by an attorney, signed by my mother, witnessed and notarized on XX/XX/XXXX. On XX/XX/XXXX it was presented to PNC Bank at the XXXX Branch. After being sent to their legal department it was declined and I could not pay any of her bills with the XXXX accounts in question. After talking to numerous bank employees I got nowhere. I have names and dates and even requested to talk to the CEO of PNC Bank. I have a letter stating this from PNC Bank - ( attached ). I do not agree with PNC 's ruling and request your agency to help in this matter. I have printed the XX/XX/XXXX Short Form POA ( attached ). The POA my mother signed On XX/XX/XXXX ( attached ) in XXXX, Il has all the necessary requirements for a legal and binding POA. The XX/XX/XXXX clearly states " Nothing in this Article shall invalidate or bar use by the principal of any other or different form of power of attorney for property. 
I believe our family has done everything correctly and PNC Bank is putting an unnecessary burden on a very ill XXXX year old XXXX woman and her family by not releasing her money to pay her medical bills. Since XXXX she has been in the hospital numerous times, in a XXXX Il nursing and rehab center and is currently home bound under palliative care with 24 hour around the clock professional care. PNC 's suggestion to me was to solve this problem just bring her to the bank and sign a PNC POA and they would have a notary available. 
Thank you in advance for any assistance your agency can give me in regards to this problem. I do not believe my mother should have to sign another POA form for the bank. 
If the bank does not accept legal documents they should let their customers know what is and is not acceptable to them before a family crisis strikes. I have all names, dates and phone numbers of employees of PNC bank that I have spoken to in regards to this problem.
XX/XX/XXXX They called my work told the customer service rep. I needed to be served with a legal notice and then they asked for my boss XX/XX/XXXX they called again gave the csr XXXX all the info to contact me told her it was to serve me a legal notice now everyone st work knows my business. 

The old credit card account was closed in XXXX I believe the statue of limitations has expired on this account.
Ocwen Loan Servicing, LLC refuses to allow me to represent my mother 's estate. I have letters of administration, but it will not give me any information about my XXXX  mother 's mortgage, or how to pay it. I have provided them with all of the documents they have requested, but they still refuse to deal with me.
I am most likely one of the 143 million American consumers whose sensitive personal information was exposed in a data breach at Equifax, one of the nations three major credit reporting agencies. 

The breach lasted from midXX/XX/XXXX throughXX/XX/XXXX The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people.
XXXX has been non-compliant with removing the unverified account DEBT RECOVERY SOLUTIONS , LLC Opened Date XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that DEBT RECOVERY SOLUTIONS , LLC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
I attempted to pay my past due balance of {$2100.00} on XXXX/XXXX/2016 via XXXX XXXX on my XXXX account. I was not aware that XXXX did not have a bank to bank payment option with XXXX. Thus, even though I fully attempted to pay on the due date, the payment did not post until XXXX/XXXX/2016 because of the check method, the weekend and the following holiday XXXX on XXXX/XXXX/2016. I called XXXX to resolve this issue and did not receive any help. XXXX then charged me a very large late fee and reported to the credit bureau that I was late by 30 days.
I sent a wire transfer of {$27000.00} on XX/XX/XXXX, to Coinbase/XXXX. As of XX/XX/XXXX, it has still not been credited to my Coinbase/XXXX account and it has also not been refunded to my bank account. 

I filed a ticket with my bank ( XXXX ) on XX/XX/XXXX to have the wire recalled. Since that date XXXX has sent more than 20 messages to Coinbase 's bank and none of them have received a reply. 

I have also filed online tickets with Coinbase 's support ( case ID : XXXX ). After waiting several weeks, these inquiries have all received a form-letter response, after which my support ticket was closed. I have re-opened the ticket requesting more information, but have received no response. 

According the form letter, my wire was apparently rejected. The form letter says that all rejected wires " will be returned to the originating account after several business days ''. 

It has been more than 1 month since my the wire was sent, and there is still no sign of the funds being returned to my bank account.
I contacted Kohl 's directly upon my purchases for XX/XX/XXXX while shopping at customer service to receive paper statements. In XX/XX/XXXX, I still had not received a statement so I called Kohl 's to find out why I had not received a statement. The representative stated I was late on my payment. I advised him that I had not received a statement yet. He stated he would remove late fee and bring account current. I made a payment as per attached pdf file. I continued to make payments drawn on or before the XXXX of each month. Some came out as late as the XXXX. I never missed a payment and made more than minimum due. However, Kohl 's has charged me {$160.00} in late fees stemming from the XXXX payment issue. I believe this to be an unfair scheme by them to collect fees. I did not receive a statement, inquired and made a payment the same day. The representative stated they would bring account current and remove the late fee. That never happened and created a situation where each month would be late even though I pay more than minimum due. I tried to reach their POC, XXXX XXXX, with XXXX voice messages to no avail. Then today, she calls and states that they will make no adjustment and that they would only provide a correspondence to me. She refused to acknowledge my concerns. She simply refused to talk about any specifics or reason why they would not refund late fees. Very cold but not unprofessional, just detached and cold!
I received a notification from Navient on XXXX XXXX, XXXX regarding the removal of the delinquency reporting for all my XXXX XXXX Loans and XXXX XXXX XXXX Loans reported for XXXX and XXXX ; NAVIENT submitted a request for removal of delinquency reporting on XXXX XXXX, XXXX. I 've recently received an updated credit report from XXXX ( attached ) and my student loans are still reporting 120 days past due for XXXX. In my previous case with CFPB ( CASE NUMBER : XXXX ), I was reassured via phone from a Consumer Relations representative on XXXX XXXX, XXXX and via CFPB ( CASE NUMBER : XXXX ), all delinquent reporting for my NAVIENTXXXX student loans would be removed for XXXX and XXXX ; XXXX XXXX, XXXX the request will be submitted to the credit reporting agencies to remove any delinquency reporting but, I 've recently received an updated XXXX credit report that shows all loans in XXXX are still 120 days past due. I 've never been past due on my student loans and all my student loans with NAVIENT/XXXX are current.
Our mortgage company, Seterus , Inc., recently changed their statement date. Because they allow a 15 day grace period for the mortgage due date ( which is the XXXX of each month ) we have our payment posted on the XXXX of the month. This is still considered a timely payment. But now, because they moved up their statement generation date to earlier in the month, the on-time payment made on the XXXX, does not make it into the statement period. The result is that every statement we receive shows that we are always a month behind in payments. If we needed to provide copies of our mortgage statement, they would show that we are always behind. It should be a fairly straightforward programming fix for Seterus to fix, but they refuse to do so.
On my Equifax report, it states an item is in dispute. I have been asking Equifax to remove the dispute for over a month. I am purchasing a home with a mortgage through my bank. The offer is contingent that in order to close on the house, that item has to be marked closed, paid in full.   The item has been paid in full for quite a while now  ( from   XXXX   XXXX   ),   with showing a   XXXX    balance, but still shows that it is in dispute. There is nothing to dispute, being that I paid the collection in full back in   XXXX   of this year.   Everytime I call Equifax, they tell me that they will take care of it. I received an email today with my Equifax report, shows that the item is still in dispute, after they ensured me it will be marked paid in full.   If this is not corrected, I will lose the deal on the home. I have paid for my appraisal and home inspection as well as {$5000.00} is earnest money. I fear that I will lose out on all of that if this is not taken care of before closing.