WillisBack/dataset-financial-user-claim huggingface dataset:
After leaving school in 2005 and entering repayment of loans ( both federal and private ) I contacted Navient regarding payment options as the original monthly payment was too high for my current income. Every time since 2005 that I 've contacted them the only option they 've given is forbearance or deferment. They claim that I 'm not eligible for any income based plan to make payments more manageable. Because of this the amount owed has ballooned from {$130000.00} to {$210000.00} with a monthly payment requested of {$1800.00}. My co-signer a couple years ago did set up a payment plan that suddenly they were able to lower the monthly payment to {$480.00} ( after they would not do so for me ). She was told this was for " all loans that Navient currently handled '' which would have included federal, consolidated and private loans. After paying for a year they called to say they would be increasing the payment amount to {$690.00}, a huge jump, which she warned that she could n't afford to pay. Three months after the increase, as she warned, she could no longer make payments. After a year or more of payments from the co-signer the loan amount INCREASED from {$200000.00} to the current {$210000.00}. After I asked them why they said the payment plan was for private loans only. So they had lied and intentionally mislead both myself and the co-signer about " all loans handled by Navient ''. As it stands now my income is {$1600.00} net pay, the monthly payment is {$1800.00} and they are refusing to lower payments or make arrangements. After all honest attempts to begin steady payments on the loan it has reached a point where it is IMPOSSIBLE to repay for either myself or co-signer. Furthermore, we learned from another Navient agent that quote, " the last XXXX applications for loans while in school should have been denied based on our income situation. '' That means XXXX XXXX and then Navient KNOWINGLY approved loans that should have been denied based on income.
I opened a bank account with XXXX XXXX XXXX XXXX & They Credit Reports Go Through Equifax. & They Have My Birthday Year Wrong But Saying I Do n't Have Any Credit History. How Can I Change That & Where To Send My SS Card? Birth Certificate & My Licenses To Confirm My Birthday Is XX/XX/XXXX and Not XX/XX/XXXX .. I Need It To Be Done Asap So I Can Build My Credit To Get An Appartment.
On XX/XX/XXXX, i was told by a Comenity bank representative that i am eligible for the 60 month hardship program and I had to pay {$110.00} and to call back to complete the enrollment, because due to their new system, the billing cycle had to process another month. She said she would notate the file and to call back on XX/XX/XXXX or XX/XX/XXXX to complete the enrollment. I called back XX/XX/XXXX and the representative at that time, said I was given the wrong information and i was transferred to payment resolutions and was told to call back on XX/XX/XXXX or XX/XX/XXXX to complete the enrollment. I called back today XX/XX/XXXX and they said i was told wrong information again and I can not enroll unless i make more payments. 

I tried to do this same program back in XX/XX/XXXX ( paid ) approx {$100.00} and had the same issues, i get told different information each time I call and I am not enrolled in the program. In the meantime, I am accruing late fee 's. i am not disputing i owe this debt, I just want the program the offered.
Initially the re-payment structure online stated {$1300.00}. loan with {$350.00} interest prior to accepting the loan ( XXXX 2016 ). Once I accepted the terms became unclear as a new payment schedule was offered at 497 % interest. I began making payments, but the interest continued to accrue. I requested documentation confirming the terms of the loan and all payments made, but was informed Ace cash does n't offer this type of documentation, but could be viewed online. No information existed online as well once I checked. Interest rates were continually applied, adjusted and re-applied as per the customer service individuals I spoke with but no individual I spoke with could offer clarification of the interest, terms and payments made on the loan. I 've written, but received no response nor telephone call.
XX/XX/2017 I send mony to one of the agent TRANS- FAST REMITTANCE LLC.I send {$1100.00} to XXXX. the problem is mony did n't arrive when I check the bank in XXXX it should minutes only but now it almost 4 days .. I call the customers service they said it was cancel by the agent .. I try to call the agent but they never answer the phone .. I 'm so upset already coz I need to pay bills in XXXX
XXXX   XXXX   ... ..    XXXX   XXXX     XXXX   gcservices    XXXX    XXXX   XXXX  called  XXXX  I returned the call from a different number.  XXXX  started giving out my account info after giving out all my account info. I feel my privacy rights were violated.
Praxis Financial solutions is trying to collect on a debt that has reached the Statute of Limitations. In the letter that was mailed to me, the date of debt was purposefully obfuscated. I called absolute Solutions and I was told that the statue of limitations on the debt had expired. 

XXXX XXXX was rude and disrespectful when I called to resolve the debt.
A company calling themselves SUMMIT RECEIVEABLES will NOT stop calling and harassing me or my XXXX year old parents.
<P/>
They use threatening language and say I owe them money when I do not.
<P/>
XXXX XXXX XXXXXXXX
The credit card charged an annual fee and reported me 30 days late on the bureau they never notified me in writing or otherwise. The account had a XXXX balance. I never been late with them. My credit report was affected over a fee they charge and never notified me. Is this legal can the y affect my credit over a fee they charge.
I received a phone call today from a man at area code XXXX XXXX XXXX XXXX XXXX. He was calling to tell me that he works for a company ( 24 asset management ) that purchased a past debt of mine, a XXXX mortgage loan from 2001. He also stated that he had previously sent an offer settlement to me to clear this debt from almost XXXX years ago. Which I have never received. He was very disrespectful on the phone and is breaking the law of the state of Illinois. This debt is far past the legal right he has to call me per the statute of Limitations.
wrong information I never lived in Florida and my driver license wasn't revoke and I never had violation of probation. Dates of offense XX/XX/1990
This is not a duplicate complaint. In XX/XX/XXXX, i filed a complaint with cfpb ( Complaint # XXXX ) regarding my unsuccessful attempts to get PayPal to close my XXXX husband 's account and send me a check for the balance left in the account ( {$690.00} ). PayPal did respond to that complaint with a letter and a check. The check was made out to XXXX XXXX and the bank refuses to cash a check made out to a XXXX person. In a letter dated XX/XX/XXXX from XXXX XXXX XXXX, Operations Counsel, he noted PayPal had received my letter of XX/XX/XXXX,  requesting closure of the account and a check for the balance. He stated PayPal never received documents required to close the account. He seems to have missed the paragraphs in my letter in which I wrote of my repeated unsuccessful attempts to forward the documents by the FAX number given, and request for assistance in getting the documents to PayPal. 

In XX/XX/XXXX and XX/XX/XXXX, I made repeated attempts to reach XXXX XXXX. I left messages on his phone ( XXXX ) and his cell ( XXXX ) asking for assistance in getting a check issued in my name. I go no response. I wrote a letter on XX/XX/XXXX. Again -- -no response. See attachments.
NES is attempting to collect on loans that were previously deleted from my account. I received notification from all XXXX credit bureaus that the XXXX negative items were removed from my credit report and would not be placed on my credit again. They claim that XXXX XXXX XXXX owns this debt but I never signed any paperwork with them and never showed how they own and if they have the rights to collect on this account. I want the XXXX loans to be off my credit report for good. I never signed any agreements with XXXX XXXX XXXX and they have submitted any proof the own the rights to the loans. I asked XXXX for this information twice but they decided to send the XXXX loans to a collection law firm, it is illegal for XXXX XXXX XXXX or XXXX to keep sending these loans to a collection agency after the loans were removed from my credit report 3 weeks ago. They are ruining my credit and I will have to get a FDCPA to put a stop this once and for all. 


Consent to publish the description of what happened? Consent provided My loan is Non-federal student loan ( Private, alternative, other student loan ) Issue Dealing with my lender or servicer : Do n't agree with fees charged Desired resolution [ Edit ] What do you think would be a fair resolution to your issue? 
I want all of the negative credit marks to be removed from my credit report because they do not have the right to collect on the loan or can account for any information they received from XXXX about the loans. The loans are not collectible.
I filed a complaint back on XXXX XXXX XXXX with you. It was regarding tax liens still remaining on my credit report with Equifax that should have been removed when the new guidelines went into place on XXXX XXXX for removing civil suits and tax liens as part of the settlement with the CFPB and the credit bureaus. Here is the case number for that original complaint XXXX. 
The company responded back stating it was verified as reporting accurate. The same auto responses they gave me when I disputed it on their website. 
This is NOT possible to be verified as accurate. In fact both of the other bureaus, XXXX and XXXX XXXX did just the opposite of Equifax. They verified I did meet the guidelines and removed them all from my credit profile. Here is the response from XXXX XXXX I received when the CFPB contacted them. 
Company 's Response We have reviewed your complaint along with the information you previously provided regarding this issue. In response to your request on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, we initiated an investigation into the XXXX XXXX County/Recorder of Deeds, XXXX XXXX XXXX XXXX XXXX XXXX of Deeds tax liens and they verified the information as accurate. However, after reviewing the activity on your file, along with the information in our data base, we have deleted XXXX XXXX XXXX XXXX # XXXX & # XXXX, XXXX XXXX XXXX XXXX of Deeds # XXXX, # XXXX, # XXXX & # XXXX and XXXX XXXXXXXX of Deeds # XXXX from your XXXX credit report. 

I expect Equifax to correct this mistake and delete these text things from my credit profile just like the other two bureaus did.
They refuse to send me a copy of the debt in the mail and tell me I must pay over the phone now. I have no idea who they are and if they are really even a collection agency. Harassing calls continually everyday.
I was told if i make payments of {$420.00} Per month for 12 months during the 0 % introductory cash price i would pay off the loan. I maintained my payment to pay off the loan at the cash price, Including making the final payment on the loan the last month before the 12 months was off. I should have received the loan as paid off by now. Instead Conn 's is trying to charge me the interests rate now, late fees and says i own an addition XXXX $ Which is not true. <P/>When i call Conn 's credit they told me i did make the payment in time, but that it was sent back and i paid too late after that so they wo n't honor the cash price now. That is n't true i did make the payment and it was received and not sent back. <P/>Therefore i should n't have all these late payments on my credit and the loan should be payed off. ( Paid in Full )
A fraudulent marketing firm asked me to be a mystery shopper. They gave me a check to deposit in my account to cover my activities on their behalf. I deposited the check and waited for the check to clear. I checked with Suntrust on whether the check had cleared on the XXXX of XXXX in person. At that time they up sold me on a credit card and did not recommend any action on my part. Then I called a week later, the marketing firm was asking me to complete the store evaluation, suntrust 's person on the phone told me my account was being closed. At the time I had {$1300.00} in the account. I did not understand. I recieved a form letter that said the check was being held pending investigation and my account was frozen because the amount of the check was greater than the amount in the account. I tried accessing my account online and it did not exist according to the Web site. On the XXXX they sent the check back and charged me a retuned check fee and an overdraft fee. I had not removed any money from the account. XXXX XXXX I received a check in the mail for $ XXXX {$48.00} I went into the branch to find out what was happening and they cut up my debit card and said they were severing their relationship with me. This is while I have a credit card with them and an unreleased mortgage. They foreclosed on my house after refusing to refinance and refusing to modify after I paid the mortgage for a year and a half while unemployed and under employed and maintainted the mortgage on another home. I was homeless and living in my car while paying them. I was working and earning {$3300.00} per month while the mortgage was {$2600.00} and condo fee {$460.00}. that is a whole other story. It is just to say that my relationship with suntrust has been too long and they have made my life more difficult and I just feel like they messed with me again and stole {$36.00} dollars from me. They sold my house out from under me and have not released the debt because the worth of the house was more than my remaining mortgage and $ XXXX more than they sold it for. I have no idea how to get rid of this albatross. I would like to sever my relationship with them but I do not know how to do it. Really from this interaction all I want is my overdraft fee back and the credit card request off of my credit report
Last year, I was informed that I attempted to apply for an Amazon credit card, which is totally false. While I do have an Amazon online account, I have never applied or attempted to apply for a credit card either directly or indirectly with Amazon. All of my Amazon purchases are routinely paid using my debit cards, which is why I suspect my identify was used fraudulently to apply for a credit card with Chase Bank USA. I learned of the attempt and subsequently decline of the application after I received a letter of explanation from credit bureaus. I have since disputed this inaccurate information with the credit bureaus, but was denied relief.
Dear Sir, As per the Experian Credit Report dated XXXX XXXX, XXXX did inquiry on XXXX XXXX in my credit file without my consent and without my authorization. XXXX also did inquiry on XXXX XXXX in my credit file without my consent and without my authorization, same has been disputed and removed from Experian Credit file. Experian entertaining the fraudulent inquiries in my credit file without my consent and without my authorization, I never ever contacted XXXX for any reason. XXXX  inquiry dated XXXX XXXX is a crime, fraud and misrepresentation. I have also locked experian Credit file on XXXX XXXX to avoid further fraudulent activities and damages, where experian unlawfully entertaining fraudulent inquires in my credit file without my consent and authorization. Also, on same inquiry dates XXXX XXXX and XXXX XXXX, someone kept fraud alert on my credit file without my consent and authorization. Could CFPB kindly direct Experian to remove the XXXX inquiry dated XXXX XXXX from credit file, which was inquired without my authorization and consent. Could CFPB kindly take appropriate action against Experian and XXXX for entertaining fraudulent XXXX XXXX inquiries in my credit file. Could CFPB store my CFPB complaints in the data base, FTC records, and identification theft and misrepresentation/fraudulent activity records. Could CFPB kindly direct my complaint to Federal Officer and take appropriate action against XXXX for committing fraud and misrepresentation using my social, name, address and various identification details..
I applied online and I was approved for {$970.00}. I have started to pay back the loan on a biweekly basis in the amount of {$300.00} I can not afford this payment. As well by the time I done I will have paid {$4000.00} for a {$970.00} loan. I think the finance charges are absurd! Please review my loan for accuracy. Also, confirm that they are licensed in the State of Texas. I want this loan voided and fees adjusted. I want the initial payments refunded.
I have had a paypal account in good standing linked to an ebay account in good standing for over 10 years. I sell on ebay, this is my living. I 'm a single mom of XXXX, and this is my sole income. Today, like every day before, I transferred funds, {$5200.00}, from my paypal account to another account in preparation to deposit into our business bank account. Every day I do this. However, until this weekend, I 've only had to transfer amounts up to {$2000.00} at once. I DO NOT KNOW that this is what created the issue. Today I transferred the {$5200.00} and it instantly became on " Paypal Hold ''. It did not show up in the receiving account nor was it available there for cancellation and it did n't show up in my paypal sending account so it could be canceled or available. Upon contacting Paypal, I was told that I needed to talk to their COMPLIANCE department and I was refused a contact number to get in touch with said department. I was also refused a reason as to why my funds were held. After repeated attempts to get information, I will still denied a way to contact the " right department '' within paypal and I was denied a reason for the funds being held. There has to be some protection for consumers. This is my money, its all the money I have, without it, I have {$12.00} in my bank account to care for me and my XXXX children. Why do we grow dependent on a banking or money transfer system for over 10 years and not feel comfort knowing our money is safe there? As I did, and now, instead, I am not able to access this money nor get information in regards to how to get my money back. 

The paypal account email address is XXXX. XXXX, XXXX, # XXXX. 

PLEASE help me with this. It does n't seem legal that they can seize our funds without cause and without any information. 



All of the below apply Money not available when promised Incorrect/missing disclosure or info Unauthorized cancellation Fraud
Experian continues to report fraudulent information on my credit report. Because of this, I was denied from renting an apartment due to the fraudulent information reported by Experian. This has created a hardship for me and my family. The other credit bureaus deleted the fraudulent information but Experian came back verified, how is this possible, when I sent each bureau the same information.     I sent to Experian a copy of my police report and Identity theft report on  XX/XX/2016    and also around  XX/XX/2016.
I have a XXXX credit card account with XXXX XXXX XXXX that is open and current, and in good standing.

It has a credit limit of {$46000.00}, and is a XXXX.

TransUnion credit bureau refuses to list it on my credit report, even though all the other credit bureaus, XXXX, XXXX, and XXXX list it on their credit reports.

This account has been open since XX/XX/2013.

I have contacted them numerous times to get this matter resolved, to no avail.
XXXX XXXX, 2017 had car accident in a XXXX XXXX - determined a total loss by XXXX XXXX XXXX which paid off PNC BANK in the amount of {$11000.00}. My complaint is against PNC Bank who never sent a final statement of any kind but a late notice dated XXXX XXXX,2017 for {$210.00} which is my regular monthly payment. After receiving this notice I called PNC BANK regarding a final bill notice and was transferred four times to no avail but was informed that I would be contacted which never happened. Then I received another late notice dated XXXX XXXX, 2017. I called PNC BANK again in XX/XX/XXXX and spoke with XXXX who stated that I owed {$370.00}. The following is my calculation : PNC Bank loan {$15000.00} I paid monthly notes....... XXXX ( I have all my receipts ) -- -- -- -- -- -- -- amount owe to PNC BANK {$10000.00} ( XXXX. XXXX. XXXX. Paid {$11000.00}. I owe nothing! Plus PNC BANK received... {$200.00} from my Extended Warranty and never told me. Substact {$200.00} from {$10000.00} equals {$10000.00} Looks like PNC BANK owe me a refund check! Thank you for your consideration in this matter.
My name is XXXX XXXX. The XXXX XXXX was towed by the city of New York. I had to pay the tickets so I could not continue to make the monthly payments. XXXX XXXX finance got the car from the XXXX, and when I tried to take the car back and to make payments, the customer service tech refused to lower the fees and deposits in order for me to get the car back. If you look at my payment history, it will show payments for about a year. Therefore, I would the account to be removed from my credit reports immediately. 

SS # XXXX.
I had been a customer with XXXX since 2010 and after many issues with there service, I had canceled it and switched providers. They then sent me a bill which was way to high. Because previously I had paid off my phones. They stated that bill does n't reed right when the phones get paid off and because I switched providers would not allow access to my account to see how it was billed. There letters do not give exact details of how moneys were applied. They also said I had a leased phone in which I disagreed because the representative lied to me about there lease program. After all of the discussion of the bill they sent me to collections with SW credit solutions. SW credit solutions never sent me a letter stating they were collecting the debt and never gave a notice of my rights. They then reported negatively to my credit and never gave me a option to even pay the bill. This whole time I have been willing to pay but was just wanting to pay the fair amount.
American Express Blue Cash Preferred XXXX XXXX, 2017 : The company representatives informed me by phone that the Blue Cash Rewards would be credited to my account within 2-3 days. Then the company stated that this " credit '' was not actually available until the next billing cycle. Ergo- there was no credit on the account in 2 - 3 days.
The teleconference was with XXXX XXXX and then with XXXX ( no identifiable number provided ) At best this is misleading, at worst  ...
Prior to being discharged from our Chapter XXXX bankruptcy in XXXX XXXX, we have encountered nothing but problems with Midland Mortgage. Since XXXX, they have shown resistance to helping us. Only with the help of loan modification lawyers combined with our bankruptcy was some measure of relief provided for us. 
Upon receiving notification that our Mortgage Interest Rate and Payment were going up, we submitted a request for help on XXXX XXXX. After weeks of miscommunication and " submit these required documents '' -- of which they had already, and repeatedly received - we were told this morning, XXXX XXXX, that they could not help us as our income was too high. We repeated to the person on the phone that the income submitted had overtime included. Overtime is not guaranteed and their decision should stem from the base pay. 
Further, we were told that we would not be eligible for the HARP program unless we missed a payment, a sign of hardship. Since our records show we were current, we have essentially shown we are in not in a position of hardship. 
Midland has shown from the moment they took possession of our loan that they do n't care for us as homeowners. We are trying to get away from having to ruin our credit and save us from the hardship from the near {$4000.00} house payment on a single income. However, it 's clear to me they 're all too happy leading us to both those results.