WillisBack/dataset-financial-user-claim huggingface dataset:
1. Portfolio Recovery Services ; re : XXXX  XXXX XXXX  calls me on average 3-5 times daily 7 days a week beginning at about XXXX XXXX up until about XXXX XXXX  at night. 

I've been able to use a call blocker on my cell phone to minimize those calls. 

2. Today XX/XX/2019 @ XXXX XXXX after trying to reach me, they called my wife on her cell phone. They asked for me, and told her they were a debt collector, though they did not say for whom, nor did they identify who they were. 

I have requested verbally to them that they stop calling me. They still call, except now they are calling my wife as well. 

I owe XXXX XXXX some amount of money, though we disagree on the exact amount. I don't deny that. But when I had the card I was running a viable, profitable business. That business died on the vine, and my wife and me are left with only {$1600.00} per month social security to live on. I am XXXX XXXX XXXX, and not a lot of companies are interested in hiring me to go to work, so, I frankly do not have the extra money to pay this debt right now. But at some point I will, and when I do, I will pay them.
I was divorced in XX/XX/2015 and as part of the decree, my ex-spouse was 'awarded ' a credit card balance and account ownership of a closed credit card. While I was originally the primary and sole credit card holder upon initial opening ( I did n't yet know my ex-husband ), legally the debt and account have been updated to be his sole responsibility. However, USAA ( my credit card company ) is unable to legally remove me from the account. I have opened a dispute with XXXX to have the account removed as it is the highest credit impact on my credit score and they have stated they are not able to remove accounts individuals " own ''. Legally, I no longer own the account and can not get the credit reporting company nor my bank to remove me as owner. My ex-spouse has a large amount of debt on top of what he owes on this particular credit card, and as it is not legally my responsibility, I would appreciate the immediate removal from my credit reporting effective the date of divorce.
My loans were recently transferred from XXXX XXXX to FedLoan Services because of the Public Service Loan Forgiveness and the experience has not only been tedious, but the last phone call I completed left me in tears of frustration. Not only are the customer service workers polite enough just to get you off of the phone quickly with false assurance, but they do not keep any sort of records/notes on my account. I call a few times a week and the person I speak with ca n't recall what the previous person spoke with me about. My loans are current and I am simply trying to enroll into a Pay As You Earn payment plan. I have spoken to over XXXX customer service agents and each one tells me something different. I would not give FedLoan Servicing my business if it was n't mandatory. This experience has been nothing but false promises and disappointments. I would recommend better training for those who are on the phones because the fact that my request to have a payment refunded to me ( after my loans were put into a temporary forbearance ) ( which I was assured could happen ) has been denied with no real reason given is ridiculous! I am livid and the way that my business has been handled is a disgrace, especially since I am willingly trying to pay my loans back. Please consider the way you do business.
XX/XX/XXXX - During my settlement on my current home address, my HUD-1 statement reflected prorated amount escrowed to Wells Fargo for my personal XXXX property insurance. 

XX/XX/XXXX - Received a notice from my XXXX insurance company ( XXXX ) that Wells Fargo did not pay my renewal for effective coverage to begin XXXX/XXXX/XXXX. 

XX/XX/XXXX - Executed several calls and spoke to various departments, staff, executive level at Wells Fargo to resolve with little coordination or progress. 

XX/XX/XXXX - To date, Wells Fargo has assigned a case worker who continually requests extensions to review my case for resolution since XX/XX/XXXX. In the interim, I have no coverage on my personal belongings, etc. from XXXX. In addition, I 've not been reimbursed for the duplicate payment made during my XX/XX/XXXX settlement for " utility assessment '' fee ( see attached email )
We sent in a package for the borrower on XXXX/XXXX/2015 to be reviewed for all modification options, XXXX, in-house, etc. Apparently, on XXXX/XXXX/2015, the borrower received an offer for a streamline trial modification with payments that were 49 % of the borrower 's gross monthly income. I, the Housing Counselor, was told that the borrower needed to accept or deny the offer, and would IN THE MEANTIME be reviewed for other options since they had the application on file. The borrower " failed '' the trial mod., because she chose to, and did n't make a payment, with the understanding that she was being reviewed for a more affordable option. I spoke to XXXX XXXX at Seterus, Inc. on XXXX/XXXX/2015 who said the application was received on XXXX/XXXX/2015 and they expected a decision to be made withing 30 days because file was UNDER REVIEW for XXXX and nothing was needed at this time. I was told on XXXX/XXXX/2015 that they had requested a reinstatement letter and no paperwork was needed and that they were waiting for approval. They told me to check back in in a week. I called today and spoke to a XXXX XXXX. He said that they show that no modification was being reviewed for currently and that the client failed the trial mod. YES, the client failed the mod. because she CHOSE to. It was UNAFFORDABLE. He said that he did see a package for XXXX, but it was n't being reviewed, and that I should call back in a week while they " update their screens '' and start to review the file. As far as we knew, the file was complete and being reviewed for XXXX. Also, there is NO single point of contact at Seterus, Inc. You call and speak to a different person each time and there has been no single person communicating with the borrower or working on the file, at least that we have been made aware of.
My wife and I wanted to close our home equity account. She went into the Wells Fargo branch to close the account and was instructed to call the Home Equity XXXX. We called the Home Equity XXXX and was instructed to send a letter to the Payoff Processing Dept with a {$400.00} prepayment fee. We were surprised as we had a zero balance on the account.
I received a call from XXXX XXXX XXXX from Phoenix Equity. While on the phone he repeatedly claimed I owed a debt on a credit card. He would not tell me what the card was or when it was from until I pressed him. He said it was a capital XXXX card from 2004. When I stated that I could not accept a debt that old or even knew if it was legitimate he stated, " This amount ( XXXX is his claim ) is a fraudulent amount and we can prosecute and put you in jail for up to a year. '' I stated I knew my rights and he could not threaten to sue me. He stated, " Of course you do, you are a fraudulent person. '' The name he gave was XXXX XXXX and he gave me his phone number as XXXX ext XXXX.
Citibank responded to my compliant but has rejected their own solution to the problem. I believe they misrepresented the information and did not properly follow through with their recommendation or have incompetents responding to these complaints. I do n't understand their reasons, I contacted the bank multiple times and have talked with a variety of people. They do n't seem or attempt to understand the problem. This bank 's policies are hostile to the customer.
i lost my vehicle due to bankruptcy 3 years ago. I was referred to XXXX XXXX XXXX in North Carolina for a replacement vehicle. I was a naive, first time car buyer. I was told to provide all sources income including child support. I explained I was not comfortable with this as my children would lose it within 2 years. My loan is with Consumer Portfolio Services at 23 %? interest. After making payments on time for 2 years, child support stopped and I could n't make my payments. i sent money each month that I had available, but it was not the correct amount, but all I could afford. I tried to refinance, but because the interest was so high, I was already upside down and was turned down. I contacted CPS and was allowed for a fee to extend the loan on the car, a quick fix but did n't solve the issue at hand. I then was laid off from my job and saw my hours reduced. I informed CPS of my difficulties but was told I owed XXXX and that was that. I asked if they could lower my interest rate for a few months, but was told no, they were n't a loan company. I sent XXXX ( a gift from my church ) but they came and repossessed my car anyway. I was never told where it was taken, I had personal belongings inside and was never told how to retrieve them. My car was sold at an auction, though I was never informed when or where. I was sent a bill for XXXX for the deficiency deficit. I did my best to keep them informed of my financial struggles, I could n't extend the loan again because I had already done so and was told I did n't qualify. With all of their fees tacked on to my already late payments, I was so upside down on the loan, I could n't sell or even trade the vehicle to try to alleviate the burden. I may not have a valid complaint, but I feel like these loan companies prey on people like me. I ca n't possibly ever re pay the loan. With all the fees they 've assessed me, it was n't feasible. I owed XXXX on a car that was only worth XXXX. How can this be legal?? This company harassed me at work until I filed a complaint against them. I need help with this situation. My finances are no better today then they were when my car was taken by them. I am not an irresponsible person, I was just unknowingly taken advantage of by the loan company and the dealership I dealt with. I would like to see these loan companies not be allowed to extort money from people such as myself. The fees they charge make them rank right up there with payday loan companies.
Equifax recently neglected to care for it 's data properly and thus exposed millions of people to identity theft. I should n't need to detail this, everyone in America knows that Equifax did not take the proper steps to secure it 's information. As such my information is now available on the internet despite me never agreeing to share any information with Equifax in the first place.
DEBIT CARD WAS OVERCHARGED WITH UNAUTHORIZED CHARGES NOT MADE BY ME.BANK OF AMERICA WAS NOTIFIED   XXXX   AND TODAY  XXXX / XXXX /  XXXX   CREDIT WAS REVERSED AND ACCOUNT ENDING IN  XXXX  WAS CHARGED  XXXX , WHICH I DISPUTED!
This is with no surprise, the so called BIG people they do whatever they want PAY-PAL, yes I saw the thousands of complaints online, but something has to be done here. whatever the reason and no reason, they are just holding consumers money in the millions, all year round for 6 months, for them it's free money, and for the IRS it's not an income. with out any regard to the financial burden, and suffering people are going through, and the financial credit ratings people suffer., because they cant get their money to pay bills. Please take a look what I finally faxed them, and they have not replied. I urge you to go online to the XXXX  & to XXXX and see and read for yourself what is going on with this company. 
there are NONE complaint, zero, and NO charge back, and I never had one not even with XXXX or XXXX. they should release my money, holding it since XX/XX/2017. The only thing people get is spending hours on hold and get the run around, but not their money. If I travel out of my State and charge my CC, they will contact me right away, the same here with PAY-PAL, they don't want to deal with large charges, than deny the transaction, but don't accept and hold on to their money.
This Account Was Paid FULL but Continues in my Credit as GARNISHMENT I Demand that it be Eliminated Immediately this is Harming me Morally
OnXX/XX/XXXX Elan Financial reported to the 3 Credit bureaus that I had a late Payment on my Comerica Bank Credit card.The payment was for $ XXXX.I was not late and have NEVER been late.Elan Financial did not warn me that I was late.I made the payment on the Elan financial online portal.The system had a glitch and my payment was NOT processed.When I contacted ELAN they admitted there was a problem and they reversed the {$35.00} late fee but they WOULD NOT reverse the 30 day late on my credit reports.Over the last year I have spent several thousand dollars with an attorney getting the VERY damaging 30 day late removed from my credit reports.I finally in XX/XX/XXXX was able to get the false info taken of all 3 reporting agencies.At the end of XX/XX/XXXX Elan Financial put the damaging 30 day late back on my reports.In addition I received a letter from them stating " Since I disputed there practices ... they will no longer report my credit card as a active account on the 3 reporting agencies ... ..So they EFFECTIVELY ruined my credit 2 times and even though I have a XXXX balance and a current positive account ... they wont report it as positive to any agencies.These people are savage, ruthless unethical criminals.I have done NOTHING wrong.Now the process starts over.Another year and several thousand dollars to get it removed AGAIN .... {$32.00} late payment I DID NOT MISS has cost me 50 points on my report and several thousand dollars.I am going to find a way to sue this bank in to the ground.
I have requested proof of debt be sent to me and every since then this company continues to call me non stop. The are also in violation of the FCRA for not reporting this debt as disputed on my credit report. I DO NOT owe this debt. And this company still can not provide me proof. my social is XXXX date of birth XX/XX/XXXX. I will file a civil suit against your company if I have to so that my rights are protected as well as notify the media of your violations to see if any other consumers rights have been violated.
I have a XXXX XXXX branded CITIBANK credit card that I enrolled in XXXX at the advice of the local salesman 's advice. I've used the card numerous times and never been late in paying the balance in full since inception until XXXX. I had made some purchases as XXXX   XXXX  using the card. A few weeks later, I was forced to leave the state for a while due to my daughter ( a minor ) being in an accident with 17 other youth. Once out of the hospital, I returned to the state and got the CITIBANK invoice. It has a late fee and interest on the charges. I called CITIBANK and the gentleman agreed to waive the late fee but would not waive the interest of {$9.00}. I accepted his offer as it was my responsibility to pay in a timely manner. However, I pointed out to him that it was a ridiculously high interest rate. We got off the phone XX/XX/XXXX per CitiBank notes. I submitted a check payment via the XXXX online bill pay which defaults to clearing the bank on cashing. CITIBANK and my XXXX XXXX account both state the payment was processed/cashed on XX/XX/XXXX which is past the XX/XX/XXXX due date. While they have an extremely high interest rate, CITIBANK also has a policy where the minimal finance charge is never less than {$2.00} per month. So, they're continuing to charge me interest at {$2.00} per month. When asked about the charges, I get different replies like it is an interest fee, a late fee, etc. For example, it says 4 months but shows {$10.00} with the representative saying that she'll waive the {$2.00} late fee. So they appear to be charging even more than $ XXXX/month at certain times. This is all for a purchase of $ XXXXoriginally that has been paid in full including the original {$9.00} in interest. 

I've attempted to resolve this matter with CITIBANK to no avail and get continued harassment during any discussions with them about payment. 

This appear to be an example of anti-usury lending.
This company continues to report incorrect information on my credit report that was XXXX and it is affecting my ability to obtain new credit. I have attached supporting documents.
THEY NEED TO VALIDATE THAT THIS DEBT IS MINES BY SHOWING PROOF THAT THEY OWNED THE DEBT HOW MUCH THEY PAID AND THEY NEED PROVIDE ME PROOF THAT THIS IS MINE WITH MY SIGNATURE AND CONTRACT. THEY HAVE FAILED TO PROVIDE PROOF I HAVE REQUESTED THEM TO STOP CALLING AND JUST HAVE EVERYTHING IN CORRESPONSE THEY HAVE FAILED
I was contacted by someone over the phone claiming they were going to sue me for committing fraud over a debt I used to have ( and have paid off ). He said that they would settle it outside of court for {$1800.00}, I told them no, and they put me on hold and came back saying they could do it for {$1200.00}. 

When I asked for it all in writing and proof they are legitimate, He got very angry and said he would not give anything in writing until I had agreed to pay this off over the phone. He then said the only way to pay it off is over the phone. I again said no, because it sounds like a scam, and he followed up saying that he would deliver the court papers to my address ( which he had an old address ) and proceeded to get angrier with every bit of information I was trying to gather to see if it was even legitimate. 

I have proof that I paid off this debt.
I have been using PayPal Credit ( XXXX XXXX ) for very long time. I had paid a third party in the amount of {$1900.00} on XX/XX/2018 using Paypal Credit ( XXXX XXXX  ). I  immediately became aware of the exuberant fees and interest rates associate with using this service. I called Paypal and Paypal credit ( XXXX XXXX ) and asked them if I made a payment to Paypal/Paypal credit XXXX Bank in the amount of {$1900.00} that it would be applied to the high interest rate loan of {$1900.00}. At the time, I had several interest free loans that were in progress with PayPal Credit/XXXX XXXX I was assure that the payment would be applied to the high interest loan first and then remaining would be applied to the interest free balances. When the statement came in, I was shocked to see that the payments I made went to payoff the Interest free loans and the large outstanding loans were NOT paid on. This is wrong. This is unethical. This seems to be illegal. 
In the meantime, I have had to get another loan from another financial institution to Payoff my PayPal credit/XXXX balance. 

I called Paypal credit/XXXX XXXX twice and was assured that if I paid the XXXX back, it would go directly to that charge as it had a very high interest rate attached- THAT DID NOT HAPPEN. They mislead me. This has been documented. Even their own employees did not know the sinister ways of this bank. 

This financial institution should be investigated for criminal wrongdoing. They are clearly and blatantly over-charging customers by applying payments to zero interest loans and then applying the remaining portions to high interest rate balances. 

After numerous phone calls to find someone to assist me, I was finally able to get a supervisor who said : You paid {$1900.00} too early. You should have waited a couple of billing cycles to pay it. There is nothing we can do. No one has the authority to override this decision. Thank you Please look into this bank. 

You can see the hundreds of complaints on XXXX against the illegal practices of this financial Institution. Please do the citizens of this great country a service and investigate them thoroughly.
Trying to deal with NAVIENT on a defaulted student loan. 

Our XXXX yr old, XXXX daughter finally defaulted on her long held student loan. That threw us into a problem trying to deal with NAVIENT to settle this outstanding loan. We had issues with everything about NAVIENT. First of all you ca n't get the same person on the phone when you call back. Everyone you speak with is reading from a script, demanding payment TODAY. We tried to negotiate a cash payout, to no avail. Then the phone calls began, calls during both day and night. Each call originating from another NAVIENT office, from Texas to Pennsylvania. As XXXX, on a fixed income we were exhausted trying to settle with NAVIENT. There 's no understanding, no consideration, just constant demands for money. 
In addition, I have serious doubts NAVIENT made any attempts to contact the original loan person, instead, jumping immediately on the co-signer, my wife. 
NAVIENT would n't even accept current information, citing some phony privacy rules, thus the original loan borrower got away scot free ....????
AES/NCT is reporting  XXXX  fraudulent loans on my credit report and have refused to cease the credit reporting after several promises to do so. I have been calling and disputing this information since  XXXX     2017, and  for the  last five mo nths I have been lied to, harassed for payments, told false information, and basically have been running around in circles trying to get someone to actually take action and do an investigation. In the past I made payments on these loans by sending in  XXXX  lump sum to the creditor to cover ALL my loans, which included those that I did take out in my name. There are  XXXX  loans that I DID take out in my name but there are  XXXX  loans that I DID NOT authorize to be taken out in my name. I am a victim of identity theft. I sent in a police report, FTC ID Theft Affidavit, and proof of identity to AES/NCT back in  XXXX   2017. A fter multiple calls I did n't receive an Identity Theft Affidavit from their company for completion until  XXXX   XXXX ,  2017. Five m onths later, after requesting  XXXX  to be sent to be beginning in  XXXX , they finally sent the form. They continue to report late payments and the defaulted loans to the credit reporting agencies after I was promised it would cease and be removed after receiving my ID Theft Affidavit. Not once has this company followed up with me. I always have to call them and when I do they always provide me with false information. I was told by several representatives that  XXXX  is servicing these loans and they are rejecting my fraud packet. However, whenever I call  XXXX  they have no record of me. This company has no regards for victims of identity theft and continue to provide me with false information and in turn are damaging my credit. I have kept a record of all communications with this company. They received a completed/notarized fraud packet on  XXXX   XXXX ,    2017 an d according to the packet credit reporting was to cease 15 days after receiving the packet, which was  XXXX   XXXX . They have yet to do so and had the nerve to tell me they ca n't because  XXXX  rejected the packet.  XXXX  does n't even know who I am when I call so how can they reject a packet? If anyone from AES/NCT actually bothered to called the  XXXX  number they gave me they would be able to understand that they are rejecting it because they have no record of me!!!!