WillisBack/dataset-financial-user-claim huggingface dataset:
To whom it may concern : I co-signed on a XXXX XXXX and XXXX in which payments were to begin payment XX/XX/XXXX XXXX Navient ). The borrower and I filed bankruptcy ealier in XX/XX/XXXX ( When we filed we were informed student loans could not be included in the bankruptcy. The borrower had the loan in forbearance which was to end XX/XX/XXXX. He tried to make a payment and the Navient website would not accept the payment until the forbearance was complete. A payment was tried again on the navient website on XX/XX/XXXX. it would not accept payment again because Navient had put the loan in administrative forbearance. The orginal loan amount was {$15000.00}. The loan amount as of XX/XX/XXXX is {$28000.00} dut to interest. While Navient has put this loan in forbearance without my or the cosigners permission interest continues to accrue and have negative impact on my credit report/score. On XX/XX/XXXX on a phone call with Navient they directed me to the following website ecf.txsb.uscourts.com. They stated this loan may have been placed in Administrative forbearance due to a pending lawsuit. I sent an email to an email address listed on this website ( XXXX ) on XX/XX/XXXX as Navient would give me no information on this lawsuit. The supervisor from Navient stated they could give me no information on this lawsuit. She also state an email was sent in XX/XX/XXXX ; when I go back in my records there is no email from Navient in XXXX of XXXX. I am just trying to get my name off of this student loan and XXXX of Navient 's stipulations for a co-signer release is the Primary borrower needs to make XXXX consecutive payments. This makes it difficult to make 12 monthly payments if Navient has the loan in Administrative Forbearance. Any guidance would be greatly appreciated. 
Thank you
Upon reconciling our main checking account on    XX/XX/XXXX  , it was notic ed that there was a banking error with a check. Also noticed was that our ATM checking account was being charged insufficient funds fees. The customer service representative looked back into the account and informed us that the account was being debited these fees since the inception of the account dating back to  XX/XX/XXXX . We are enrolled in the Platinum account series.   Quoted from their Personal Deposit Account Fees and Feature  s Guide : How to avoid monthly maintenance fee - Waived with a {$25000.00} monthly combined deposit and investment balance across your linked accounts.
- Certain accounts can not be linked but may be used for relationship pricing. The Monthly Maintenance Fee is waived upon request if you also have the following accounts with us or our affiliates with a {$25000.00} monthly combined balance across the Platinum Checking account and any of the following accounts : 1 ) certain out of state deposit accounts and 2 ) select investments.
Our accounts fell within these rules and none of them should not have been charged any fees.
We were asked why we did not notice this earlier to which we responded that we were of the understanding that our accounts should not be charged fees based on the above information. One of bank representatives asked us to submit a statement of hardship to help this request that nee  ded to be elevated to the Regional Manager.
On   XX/XX/XXXX   we were refunded directly to the account, {$150.00} ( six months back ) of the {  $330.00} we were charged. We were also told that this was all we would be refunded and we were " lucky to get that amount. '' We were also told that it was " your fault for not keeping up with the account ''. Truth is we were keeping up with the accounts, just not the ATM account since we only kept  a few hundred dollars  in it at any time.   Something else to note is that for the firs t two months that t he account was open, no fees were charged. The fees began to show in  XX/XX/XXXX .
I was seen at XXXX XXXX XXXX XXXX  (XXXX, OK)  in the emergency room XX/XX/XXXX. 
When I was seen there I gave them my VA medical card. The hospital never sent me a bill or reached out to me for payment. 
A company ran my credit and told me I had something in collections in XX/XX/XXXX. That was the only way I knew something was negative on my credit. I was never contacted by XXXX XXXX or AMCOL, the collection agency that XXXX XXXX sent my bill to. I have since contacted XXXX XXXX and they apologized  and told me a mistake was made, they had me as a "no insurance" patient and sent it my bills to an address I had in XX/XX/XXXX! 

The amount with AMCOL Systems Inc- $XXXX. 

I'm a Veteran and have been dealing with he VA billing department and XXXX XXXX billing department. I was told this was taken care of. It should not be on my credit report. 

I have spoken with AMCOL in XX/XX/XXXX and made 1 payment ($300). But I was told by the VA not to pay on it any longer. It's been taken care of.
PNC Bank changed the terms of my personal checking account. This notice was provided only via statement message on an account that is considered a virtual account and does not receive paper statements. Most activity, including reconciliations, on these types of accounts are performed in-app, and thus I did not receive proper notice, such as an App Notification or even a note to say, " Hey, by the way, there are new terms on the most recent statement. '' When I called to inquire about this service charge, I was told that PNC had done away with one of the ways they provided to avoid this charge. That particular method was to avoid visiting any of the branch tellers. All transactions had to be performed through the app, online banking website, or ATM machines, which I had done for many years. Unhappy with the outcome, I requested to close the account. I was informed that PNC could not close my account until my Life Insurance automatic withdraw was switched to another account. So, lacking any other options, I finished our conversation and proceeded to change the life insurance payment account. 

By the time the Life Insurance was switched, and I called PNC Bank to close the account for the second time, I was assessed another monthly fee which overdrew my account. This time PNC refuses to close the account because the account had been overdrawn by their $ XXXX monthly fee. I refuse to pay the fee on the grounds that I had previously requested to close the account because of it. 

At this point in time, PNC still refuses to close my account and is continuing to charge my account {$7.00} per day for being overdrawn. Fees assessed since my request to close the account currently total {$100.00}, as of X/XX/2017.
CBE Group just reported to my credit a week ago and I have no idea what it is for. I never got a notice and I have tried to call them at least 20 times and no matter what option I push the recording just loops back. I can not reach anyone to even try to see what this is for. This is a violation because they should send a 30 day write to dispute notice for one, they ca n't just put something on my credit because they want to. Plus my name is common and I have had multiple mixed files in the past due to that. 
They put it on your credit then you can not ever reach them. How are they even allowed to do this!
I opened a savings and checking account on line for Citi bank. I could not fund it until I got the debit card which I did get a week later. I did trial deposits at another bank that were verified and I then made an ACH from the external bank to Citi. The night ( XX/XX/2018 ) before the amount was to be credited to my citi bank account they cancelled the transfer as they said the names did not match. That was not true and I verified it with their person but it was too late to reverse. So my {$15000.00} is now floating somewhere to be credited to my external account in 3-4 days. This is totally un excusable and possibly illegal and your help is appreciated so no one else gets taken by Citi
My husband and i financed a XXXX Honda accord we were able to payoff the loan early this loan has been paid in full since 2013 we paid a fee for the title of XXXX when we received the letter of release and the title we noticed the title still has a lien holder listed on it. after speaking to Honda financial several times we were told we had to pay the XXXX again to have the lien holder name removed. we feel if we already paid XXXX for a title why should we pay a second time especially considering they made the mistake with a lien holder still being on the title
Is reporting a late for XXXX account # ending in XXXX for XX/XX/XXXX Kindly remove this late as I had 30 day window to pay this bill from the due date of XX/XX/XXXX. Payment had to be received within the 30 day window from that date and was. 
Payment was made on XX/XX/XXXX only 24 days after bill date. All in accordance with FDCPA. 
Attached are bills and payments for this account. 
After this complaint XXXX and XXXX, XXXX, XXXX have updated a late to XX/XX/XXXX.
But in XX/XX/XXXX payments were on time. 
Thank you, XXXX XXXX S.S. # XXXX D.O.B. XX/XX/XXXX
This Complaint is related to Case # XXXX - XXXX and XXXX - XXXX ; Loan # XXXX. My home is scheduled for foreclosure and I need the Service Provider to provide me an answer as to why they have not assessed my Loan Mitigation Application based on the updated Profit and Loss Statement ( Income ) that was submitted to them. 
Here are specific details of my case. 
1. RCS acknowledged they made a mistake and I appealed their decision to reject the Loan Mitigation Application within 30 days. 
2. The basis of that appeal was the updated Profit and Loss Statement submitted to RCS as part of the appeal letter on XXXX XXXX, 2015. This updated Profit and Loss Statement is included in Exhibit XXXX. The average monthly net profit from the business is {$6400.00} per month ( {$38000.00} divided by 6 months ). When you add my social security income of {$1900.00}, my monthly income adds up to {$8400.00}. This is the monthly income on which RCS needs to assess my Loan Mitigation Application. 
4. The way I have calculated {$8400.00} as my monthly income is exactly the same manner RCS calculated my monthly income earlier based on the preliminary Profit and Loss Statement. This preliminary calculation from RCS is included in Exhibit XXXX. Hence my {$8400.00} is my correct monthly income. 
Therefore, based on the above, RCS needs to assess my Loan Mitigation Application based on the correct updated Profit and Loss Income and my Social Security Income. This amount comes to $ XXXX and not {$7800.00} as claimed by RCS. 
Therefore please ask RCS to read the documents I have mailed them as part of the appeal and to evaluate my Loan Mitigation Application based on the correct monthly income of $ XXXX all the above documents were attached to this Complaint before and are in possession with RCS. They were all submitted as part of the appeal documents mailed on XXXX XXXX, 2015. 
Thank you. 
Sincerely, XXXX XXXX XXXX ( Borrower and Homeowner ) XXXX XXXX XXXX, XXXX XXXX, NY XXXX
This company has called random people that either I know or used to know. They are leaving very little info on messages and when people pick up they try to intimidate them to get info on me. I also have never received any written info until today when I called them. I asked them to send me info in the mail and they said they were too busy. He also asked me to give him my checking account number to make a payment. Once I said I didnt he said so your refusing to resolve this? They are very harassing and unless you ask they wont tell you who they are. One example is they called my ex girlfriend at her work. Please help!!!
I sent letters to Equifax, XXXX, and XXXX about having several unauthorized inquiries on my credit report. I asked them to validate or otherwise remove them because I knew they were not authorized and they sent me back a letter stating companies are allowed to run my credit even though I specifically told them I had not auttorized certain ones and had zeros knowledge of them.
On XX/XX/17, XXXX, hit my credit report as a hard inquiry. I contacted all three credit reporting bureaus to investigate and delete this hard inquiry from my credit reports. They have not responded back to me and I sent the certified letters through the United States postal service well over a year ago. This hard inquiry has caused me a great deal of hardship and stress I've been denied credit and my credit score as decreased drastically. According to the FCRA, the credit bureaus has a despot me the consumer, to respond in a timely manner and to report accurate, information.
For three years Ive disputed XXXX XXXX invalid late payment history on my credit report. No matter the numeorus amounts of evidence and disputes XXXX and Equifax have allowed it to stay. In XX/XX/XXXX-XX/XX/XXXX I paid off my balance and made all Payments to XXXX XXXX. A few days after thy added almost {$900.00} if interest. I was told that if I made the amount of payments they stated in the agreement no interest would be added. I did this but it was still added. A few months later I received a form about people being misinformed and to dispute it. I mailed the form off and for several months called asking about the form and issue. Each time they pretended to have no knowledge of the issue. This continued until fall of XX/XX/XXXXwhen I requested every bill so that I can get the Attorney General involved. I received a letter stating as a courtesy they are removing the interest. Yet I still have 30 day late delinquencies reporting for their fraudulent interest scam.
This is a counter response to WF 's response to my original claim filed in XXXX WF is distorting the facts about my loan modification process and not owning the responsibility that because of how they handled the loan modification, this has put me in arrears of $ XXXX that they are now demanding I pay in full or I'll be facing foreclosure. They are refusing to work with me since I filed my initial compliant and as retaliation for filing my complaint. WF need to assume their role and responsibility in putting me in the position I'm in and resubmit my applicable for HUD partial claim that had been previously offered to me.
Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX Product : Mortgage Issue : Applying for a mortgage or refinancing an existing mortgage We finally heard back from Wells Fargo & they basically told us they did nothing wrong on their part & we are basically  XXXX in out attempt to re-fi or even Modify our loan. 
How does this Bank stay alive?? 

We will need to start defaulting on our loan in order to get someone 's real attention and help in this matter?!? 

Seriously, Wells Fargo HAS DONE NOTHING to help but put the blame on us!!! 

CFPB was really our last hope that you could get WF to at least do a modification of our loan.
Hello, Our earned AMEX Rewards points were taken from our Rewards Account and our Rewards Account was closed due to an accidental cancellation on XXXX/XXXX/XXXX of our card ( which was reinstated within a day or two ). I noticed there were no rewards points on our statement and called AMEX on XXXX/XXXX/XXXX ( and possibly before this date ) when I was told they would be reinstated and I was lucky to catch it before 30 days from accidental cancellation. I also asked for credit of the points accrued since XXXX/XXXX/XXXX and they were unsure as to those being eligible for credit of points. At this time I was told we had over XXXX points earned and XXXX or so accrued. On XXXX/XXXX/XXXX I called again and asked for the points to be reinstated. According to AMEX the call was incomplete because it ended before all the disclosures were made. AMEX never tried to call me back, nor did they send a notice. I thought the call was complete. On XXXX/XXXX/XXXX our earned points were swept out of the Rewards Account and the Account was closed.- I was not aware of this until XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I called again and was told points were gone and they would check into it. 

Today, XXXX/XXXX/XXXX, I spoke with the " Supervisor of Membership Awards '', XXXX, employee # XXXX. XXXX confirmed the above dates and was unwilling to consider my request for reinstatement of earned rewards because the XXXX/XXXX/XXXX call was " incomplete '' on their end even though her notes did indicate the request for earned point reinstatement. She said after the points are swept there is nothing they can do and my complaint/request was closed. She said there was no one else for me to talk to since Corporate closed it. 

Attached are email confirmations after each inquiry ( the XXXX call was dated the next day but AMEX confirmed it was XXXX ). We are a small business and we count on the rewards points to cover expenses. To our company this is a significant problem. It was n't until my call on XXXX when AMEX informed me that I needed to open a new Rewards Account in order to accrue points for transactions from that point forward. No one informed me prior to that I needed to open a new account so we missed credit for everything since the original earned points were taken. 

I do n't believe customer service in the Membership Rewards group is interested in giving back points and wonder if there is incentive to do this.
I signed up with XXXX XXXX XXXX for internet & TV service in XXXX, Oregon. My bill was never correct despite many calls to customer service. I finally gave up. I cancelled my service, disconnected it, and made payment for my final months of service at the rate I originally contracted. 

With my final payment I included a letter detailing the problem, my calculations, and that this was a final payment for the unpaid portion of my account at the contracted rate. XXXX accepted the check in XXXX 2015 and never commented on my letter. 

In XXXX I was contacted by Convergent Outsourcing, a debt collection service working on behalf of XXXX. I disputed the charge, which Convergent " verified '' by providing a copy of a XXXX bill. I sent Convergent a cease and desist letter along with proof that the debt was invalid -- which was a copy of the final letter I had sent to XXXX and a copy of the check. 

Convergent contacted me again on XXXX XXXX, ignoring my cease and desist letter, with an identical " we 've verified this debt is valid '' letter. 

XXXX 's billing practices are predatory and Convergent Outsourcing, its debt collection service, ignores proof that the debt they are trying to collect is invalid and ignores consumer demands to break off contact. 

Please help!
XX/XX/XXXX *CHAPTER XXXX BK DISCHARGED AUTO LOAN DEBT AS EXEMPT " SANTANDER AUTO LOAN BALANCE OF {$22000.00} UPSIDE DOWN DEBT FOR XXXX XXXX XXXX XXXX XXXX PURCHASED ON XX/XX/XXXX FOR {$17000.00} WAS DISCHARGED '' XX/XX/XXXX *SANTANDER SENT ME " NOTICE OF INTENT TO ACCELERATE AND REQUIREMENT OF STRICT COMPLIANCE '' LETTER ADVISING DEFAULT OF CONTRACT STATING LATE ON MAKING PAYMENTS DEMANDING PAST DUE AMOUNT OF {$2700.00} BY XX/XX/XXXX -- MY ATTORNEY ADVISED ME SAME DAY TO DISREGARD THE LETTER BECAUSE IT VIOLATES BANKRUPTCY DISCHARGE LAWS XX/XX/XXXX *XX/XX/XXXX XXXX XXXX WAS STOLEN FROM MY DRIVEWAY, IN THE MIDDLE OF THE NIGHT, BY AUTO REPOSSESSORS HIRED BY SANTANDER.. MY SON HAD DRIVEN HOME FROM COLLEGE THAT WEEKEND ON EMERGENCY MEDICAL LEAVE FROM UNIVERSITY OF XXXX WITH ALL OF HIS BELONGINGS STILL PACKED IN HIS TRUCK, WHEN WE WOKE UP THAT SUNDAY MORNING TO FIND EVERYTHING GONE -- MY ATTORNEY ADVISED ME SAME DAY, THATS NOT LEGAL, BUT NOTHING WE CAN DO NOW XX/XX/XXXX *LETTER FROM SANTANDER STATES DECLINED FOR VEHICLE LOAN DUE TO " PREVIOUS REPOSSESSION '' XX/XX/XXXX *DECLINED AUTO LOAN BY XXXX XXXX, SANTANDER AFFILIATE XX/XX/XXXX *CREDIT INQUIRY FROM SANTANDER AUTO DECLINED APPLICATION FOR AUTO LOAN XX/XX/XXXX *OFFICIAL DOCUMENT LENDER PRE-APPROVAL FROM GOVERNMENT APPROVED LOAN TO ASSIST WITH AUTO LOAN QUALIFIED BY SPECIAL LENDING FROM BANKRUPTCY DISCHARGE DIVISION WITH XXXX DOWN PAYMENT ONLY NEEDING COPY OF TDL WITH PROOF OF INCOME DECLINED BY SANTANDER AS THE SPECIAL BANKRUPTCY DISCHARGE LENDER IT'S BEEN THREE YEARS AND FIVE MONTHS SINCE BANKRUPTCY DISCHARGE AND I STILL CAN NOT OBTAIN AN AUTO LOAN DUE TO SANTANDER FLAGGING ME TO ALL OTHER LENDERS AS A REPOSSESSION AFTER BK DISCHARGE WITH AN ATTEMPT TO COLLECT DISCHARGED DEBT ON VEHICLE THEY TOOK WITHOUT LEGAL COMPLIANCE TO BK RULES.
Hi, I need help ; we were given a XXXX neg. mort. Loan, XXXX XXXX XXXX bought the loan and sold to a trustee of Bank XXXX. We have been trying to get a modification since XXXX, in XXXX we retained lawyers and Bank XXXX still refused to modify us. On advice of lawyers we stopped our payments and consolidated our debt. Recently Shellpoint Servicing took over for Bank XXXX XXXX. We agreed to short sale our home, because Shellpoint would n't modify us either. We have a legal agreement with Shellpoint that we could short sale our home as long as we had an offer in my XXXX XXXX, XXXX. We had our property on the market for two months and gave Shellpoint the highest offer on XXXX XXXX, XXXX. Shellpoint just got back to us today XXXX demanding {$200000.00} more for the home. If Shellpoint does n't agree to this short sale, we will be foreclosed on and not be able to buy another home for up to 5 yrs. 
Is there anything you can do to assist us in pushing Shellpoint into doing the short sale? Short selling our home is better than foreclosing and we have been trying for 7 years to save our home. They did n't want to help us, so now they do n't want to short sale us and honor their agreement. We are with Shellpoint Mortgage Servicing, account number XXXX. The property address is XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX
My loan was approved for a HAMP modifocation, my loan company accepted the XXXX trial payment plans plus XXXX permenant payment. I then leaned while processing another payment that my modfication was rejected due to paperwork that was never provided to me.