WillisBack/dataset-financial-user-claim huggingface dataset:
I have a private student loan financed by XXXX XXXX Navient since the year of 2010 I have made many payments on time and have recently lost the cosigner my mother and asked to renegotiate terms interest monthly payment amounts. No help of any kind little info to provide on my loan and why my interest has increased over 11 % on a loan balance of XXXX. This company is terrible and whats worse is the school it funded and I attended the XXXX XXXX XXXX is closing and I ca n't get a call or email back about getting a XXXX transcript why in the XXXX should these people get anymore of my money when this for profit was a scheme for the approval of private predatory loans with a failure rate of 50 to 90 % why should we pay back what should have never been approved for in the first place.
This complaint is a followup to a previously submitted complaint # XXXX-XXXX. 
Citibank responded by saying that the fee is non-refundable, but I checked the Card Agreement Guide and nowhere does it say that the fee is non-refundable. Actually, the fee is described as an " Annual Membership Fee '' and as such, having paid the fee, I should be entitled to enjoy the benefits that come with such membership, such as the XXXX XXXX XXXX and XXXX XXXX, for the duration of my membership. Second, nowhere does it say that the fee is earned immediately upon billing, so I expected that the membership fee would be earned on an amortized basis as the year progressed. Lastly, nowhere in the Card Agreement does it say that such membership benefits would terminate at the closing of my account. So, all-in-all I feel I was misled and Citibank is not acting in good faith. Therefore, since we have an unresolved dispute, pursuant to Section 11 of the Card Agreement titled " Arbitration '', I would like to initiate arbitration proceedings. Since nobody in Citibank Customer Service knows the answer to this, please provide the instructions for initiating arbitration and how Citibank will go about paying my share of the arbitration fee, per the Card Agreement. Thank you.
This company, XXXX - National Credit Cards / Airlines, has shown up on my XXXX  credit report for the past 4 years. I did contact them by mail, but never received a response. I DID NOT apply for credit with this company and each time, it was listed as a Hard Inquiry on my credit report. I am concerned because I have been the victim of identity fraud three times during the past five years. I want this company to remove this Hard Inquiry from my credit report and to stop inquiring about my credit status. I see numerous complaints about this company online, and I hope you can resolve this problem. Thank you for your help.
XXXX XXXX incorrectly reported a 30 day late on my credit report due to technical error on their tech side. After documents and several dispute processes, all reporting agencies except Transunion have removed inaccurate reporting. I attempted to contact Transunion on multiple occasions only to hear every single time they are experiencing extremely high call volume. After a long wait,,,,, their call center is in XXXX with people that I can not understand! I opted to take part in a brief survey, big joke. No real survey. Survey company never contacted me. This horrible company is controlling my interest rates and loan approvals???? REALLY!!! NO!!! This must stop!
On or around XXXX XXXX I visited a XXXX XXXX store. While I was there a XXXX XXXX  representative tried to pitch me on their XXXX packages. I listened to the XXXX XXXX  representative and even had him look into the different options that I would have available, however, at the end of the discussion I decided not move forward with the service. About a year later I noticed a collection on my credit report from XXXX XXXX. I contacted the credit bureaus and disputed the account several times. I also submitted an affidavit of identity theft but either XXXX or the credit bureaus refuse to remove the account from my credit report. Now I am in the process of buying a home and still have this fraudulent and negative account affecting my credit score.
On XXXX/XXXX/2016 I went to pnc bank on XXXX I put in my account {$230.00}, $ XXXX, went in taking under orders {$130.00}, I ordered some shoes right away but somehow, they did n't come out right away, I was made to put nearly, actually a whole another {$100.00}, in the bank which makes total a {$330.00}, deposit bit I do n't have all such worth of transactions nor, goods making this transaction show dollar for dollar wat, I used, the banks Delayed '', inacccurate, management, accounting my cash to my account fastly, inacccurate not my fault, inacccuratesnfact this is n't the first time I post money n it was gone, or never usable, or used n then I was told " you went busty how can a merchant such as finishline b allowed to say " item went thru, when it didmt? how can bank hold off giving items to them when funds were there,? then turn around n charge XXXX? XXXX bank also when I went to it a XXXX, XXXX, charged in words across the teller till STATING YOU MADE XXXX COMPLAINT VS US '' XXXX? WHICH I CHE KED HER PUT HER IN HER PLACE, BUT THIS STATEMENT TELL ME THAT IT 'S IN THE COMPUTER MY COMPLAINT IN THEIR RECORDS WHICH EXPLAINS WHY I MAY HAVE BEEN CHARGED N ERROR. IF U SPENT XXXX $ XXXX/WITH ONLYBXXXX $ WORTH OF TRANSACTIONS TO SHOW FOR IT, THEN BE TOLD YOUR NEARLY $ XXXXNEG, PUT MORE MONEY IN WHERE 'S MY CASH GOING? I DEMAND IT BE RETURNED, THIS BANK HAS ALSO DENIED LOANS TO BLK, VETERAN XXXX CLIENTS LIKE ME, N BEEN DISHONEST DENYING NOTARIES, TO ME AS WELL, THIS BANK HAS ENGAGED IN RETALIATORY, ACTIONS VS ME SINCE I 'VE BEEN DOING BUSINESS WITH THEM AND MUST B FINED ALSO FOR ALLOWING TRANSACTIONS TO GO THRU, NUMEROUS TIMES ONLINE N THE PORTAL, ONLINE DO N'T MATCH WORD FOR WORD SPELLING OF MY NAME ON CARD, /BANK FILES, WJICH MEANS SECURITY OF PNCBANK, XXXX THEIR ATTITUDES N WORKERS
I 'm filing a complaint against XXXX for predatory lending practices. I was approved for a loan to finance the remaining amount due for a lease buyout. Then I get a message saying they ca n't get me the loan because I no longer reside in the state in which the car is housed, registered and driven ( by my mother ). That fact is fine, but why run my credit and go through the whole process that took 3 weeks if you knew that it was n't going to work? Why tell me that I was approved? Negligence and incompetence. 

Then I was told that I needed my mother to be on the loan application. Fine. I told them that my mother does n't speak English well. They called her and completed the application. Then I find out from her we were approved and that I have to sign papers. What the XXXX is going on? I 'm the primary borrower and NO ONE spoke to me about the different loan options. NO ONE talked to me about terms. And they " finalize '' a loan with the secondary borrower that does n't speak English well, is XXXX and does n't understand credit. I work in XXXX. This is unacceptable and CRIMINAL. 

The person below is who responded to my first complaint and is responsible for setting this new process in motion. 

XXXX XXXX Floor Supervisor XXXX, powered by Ally O : XXXX F : XXXX XXXXXXXXXXXX XXXX XXXX
Sir I was given a credit card with a {$15000.00} limit while I was making {$19000.00} a year. 
I attempted to pay the monthly payment even with my parents help. When I just could n't pay it. They lowered my limit. And then without notice cancelled my card. I was doing my best. 
It was just too much! As if they set me up to fail. And they would take every penny that I put in my account savings and checking.
I received a statement from Paypal regarding a pair of children boots I purchased on XX/XX/XXXX for XXXX. I request all my statements to be mailed which was never done. I notified Paypal CSR and spoke w/mgr. I was told statements sent via email, which I do n't read often that why I request paper statements. I was told the purchase of boots was only {$29.00} plus any late fees and interest. I made a payment of {$29.00} on XXXX/XXXX/16 leaving a late fee and interest balance of {$25.00}. I closed the account on XXXX/XXXX/16 after the payment of the boots. Apparently the account was not closed. After my Attorney contacted them via letter I started receiving paper statements. On XXXX/XXXX/16 email statement bal {$64.00}. Paper statement XXXX/XXXX/16 bal {$100.00}. Paper statement XXXX/XXXX/16 {$130.00}. Paper statement XXXX/XXXX/16 bal {$170.00}. Paypal have added exorbitant fees on to the account for a minimal payment of {$25.00} late fee. I agree w/ {$25.00} late fee but not the other fees. 

My Attorneys sent letter XXXX/XXXX/16 & XXXX/XXXX/16 and sending XXXX today. Stating we have reviewed XXXX XXXX account balance and transactions with her. It appears that you have failed to provide a paper statement on her account as requested. Further it appears you have added exorbitant fees on to the account for a minimal payment of {$29.00}. Thus, we would demand that you XXXX out XXXX XXXX account and send her written confirmation of the closing of this account. 

1st letter mailed : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX 2nd letter mailed : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX 3rd letter mailed : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX As of today no response of account being closed from PayPal just statements with late fees and interest.
Loan Inquired about recasting on XX/XX/XXXX Did not hear from company untilXX/XX/XXXXby mail, despite being told someone would call me withing 24 hours. 

Submitted large principal payment onXX/XX/XXXX to signal recast. Was assured paperwork to recast loan would then automatically arrive by XXXX  later the following week (XX/XX/XXXX latest ). Package did not arrive ( and was not sent by XXXX ) until XX/XX/XXXX. 

Recast document contained two legal errors which amounted to entrapment whereby I was forced to acknowledge that interest rate might change could change and payment could change, despite the loan interest rate being fixed and payment being fixed with no escrow. Requested that they change the language. Wells refused and obfuscated. Spoke to independent attorney and was advised that Wells was in error and document should be fixed. Wells essentially said " take it or leave it ''. 

High unethical. Predatory. Incompetent. Bureaucratic. Worst customer experience of all time. If you can avoid Wells Fargo, avoid them.
{$2100.00} XXXX XXXX is saying I owe this amount, I dont know where this came from. XXXX is reporting this I have a complaint in with this bank already. This is being reported on XXXX  and XXXX as of XX/XX/18. I need documentation proving that this is my account with my signature according to Section 69 of the FCRA you have to have proper verification. I want this removed from my credit report.
Synchrony Bank keeps calling every hour on the hour it seems, to collect on their carecredit credit card.. I have repeatedly told them we are in the process f making a payment and this does not seem to sink in. I am at my wits end with them and feel the only course of action is to file a lawsuit. I do not want or need this sort of harassment.
Wells Fargo dealer services is reporting that i am 115 days pass due on an auto loan. They submitted the incorrect information to my gap insurance that is refusing to pay for a vechile that has been declared a total loss. In XX/XX/2018 they mailed me a letter stating that my report has or will be suppressed until they receive payment from my GAP insurance company, but they have been reporting anyway. I have contacted all three credit bureaus that they are reporting incorrect information. I submitted the letter for them to delete the information and they refused to delete it. It is hurting my credit tremendously, by showing that i am 115 days pass due.
Hello Sir/Madam, Company involved : XXXX XXXX XXXX XXXX, XXXX XXXX, myself Issue : XXXX XXXX XXXX XXXX provide cosmetic service to their clients related to growing hair by selling service and products. I end up walking into their XXXX location where sales person describe me their service and asked me to sign formal agreement if i choose to continue with the service. I did sign document but realized with current medical situation I ca n't take chances with any chemical products provided by them. so i changed my mind and did n't visit their center at all. 

As per agreement they charging upfront approximate {$2000.00} amount to bank and Bank called me with payment of XXXX, with my dispute to them they gave partial refund and as per current statement I still owe XXXX amount ( interest included subject to increase with delay ). When Bank called me for XXXX amount, i asked bank i never got physical card under this agreement and you taking this service as credit service, can I see itemized amount of XXXX where it been used? Bank gave me lame excuse - " We cant provide details of the transaction " even i can login to the credit card statement. 

XXXX XXXX not giving refund of the credit line they opened with bank under my social security, and being as consumer i do n't have rights to know what 's going on with the credit line between Bank and XXXX XXXX. 

Please help me to resolve the issue, i did n't use penny service from the service provider due to medical reason, they did n't give full refund and bank asking me for payment with my question to them about transaction detail they could n't answer me back. 

I feel harassed, continued call from " XXXX '' with the lame excuse from them " they ca n't provide details on credit line transaction due some reason they did n't give me reason either. " Thank You XXXX XXXX
There was not a more applicable radio button.

TransUnion changed the way they calculate payments for all consumers. Due to their recalculation, my credit score dropped 70 points in 1 month. This is especially impactful because I just got promoted and am supposed to move to Texas but now I fear it will be significantly for difficult and more expensive to do so.

This seems like a drastic, unfair change.
I sold the crypto currency LTC on Coinbase on XX/XX/XXXX. They sent me a notification that the money would be in my checking account on XX/XX/XXXX. It is now XX/XX/XXXX and I have not received any payment. Reference code XXXX
XXXX XXXX, 2017 RE : Bank of America Solicitations by mail Hello CFPB, I have written XXXX letters to Bk of Am to stop sending my their mailings, I have gone on their website and selected my preferences which clearly indicted I do not want anything from them mailed to me. My bank statements and yearly tax information is emailed to me. That 's all I need from them. XXXX is XXXX in the Nation for mail fraud. Regardless of that, I simply do not want their mailings! Bk of Am refuses to listen to what I am telling them. I do not want to receive ANYTHING from them! 
Thank you, XXXX XXXX
ACCOUNT NUMBER XXXX Property address XXXX XXXX XXXX, XXXX XXXX Fl. XXXX Mailing address : XXXX XXXX XXXXXXXX XXXX, XXXX TX XXXXXXXX These are Serious Mortgage practices you failed to provide /answer /disclose or maybe even broke the law. Attached is your letter dated XX/XX/2017 which appears your unable to find /locate the unauthorized charges which SPS has been the servicer assigned from XXXX and you provided never a response and again doing everything you can to stale /delay and not provide full explanation and simply make additional large excessive profit and simply ripping off consumers. You SPS have carefully, willfully and deliberately hide /refuse to acknowledge or provide proof ( more exact ) number which apparently your unable to locate is {$11000.00} of unauthorized charges ( SEE PAYOFF STATEMENT AND YOUR OWN STATEMENT ). My Principle balance was only XXXX yet you reported to the Title Company unpaid Principal is XXXX. You SPS are hiding interest from IRS and me as the customer. SPS assigned from XXXX XXXX have unauthorized charges to place on my account of {$11000.00} and I demand this money back to XXXX XXXX and XXXX XXXXXXXX XXXX the rightful persons on the mortgage. You find not find any authorization from XXXX or XXXX XXXX XXXX approving these this interest if anything SPS assigned from XXXX has been losing my paper work for six years trying to do a loan modification which SPS FAILED but amazing XXXX XXXX was able to assist. I demand this {$11000.00} that you added as principal which my balance and all these years my interest statement is as reported to IRS is {$84000.00} and that how interest statement were sent to me. You can not just add {$11000.00} to my principal just because you know this was unauthorized charges. Final, I check with XXXX XXXX there is NO subornation agreement notifying XXXX XXXX that the principal balance has been raised, XXXX XXXX servicing for FHA Since your unable to find your own documentation, I file an official complaint with XXXXonsumer Financial Protection Bureau as your mortgage practices fall in line with being Predatory as you are taking advantage of Senior, my wife at XXXX and me at XXXX, refuse to answer my questions, appears to be not explain proof of your actions and ( 3 ) unable to explain/find proof of anything ( 4 ) Unable to answer or respond to my principal is XXXX that how for 10 years sending 1099 statements out, we been filing interest claims and during the payoff you SPS added {$11000.00} of unauthorized charge which are and never was agreed on.
I paid a credit card every month and have an automatic payment on it. I talked to the bank and explained it was their mistake since I set up auto payment. They marked me late and charged me fees and did not even offer to reverse or anything. I have had perfect credit for over a decade. The website did not work with the password until after when I was notified of the occurence. Bank of america ruined my credit where now I can not rent, or borrow funds and made my other cards lower my credit limit. I would love for you to investigate and shut down these unethical practices which I believe is their way to make more money in fees and charge more interest and hurting the consumer. If they look at my record, I always made a payment to them.
The company is continuing to apply the additional principle paid to unapplied funds instead of applying the money to principle-thereby reducing my balance. I have requested this. I want it done. I feel they are discriminating against me because I had filed for bankruptcy. ADDITIONALLY they say they notified me that they are doing this. THIS IS NOT TRUE! I RECEIVED ONE NOTICE IN ALL THE MONTHS THEY HAVE BEEN DOING THIS. ONE. I have been paying extra principal for months. I do this twice a month. This company is lying through their teeth. If nothing else show me how to apply the money on line and I'll do it myself because they are too lazy to do it.
Collection agency claims that a judgement was ordered XX/XX/XXXX to pay. I received notice from my employer in XX/XX/XXXX that my paycheck was to be garnished. ELEVEN YEARS AFTER THE JUDGEMENT
RE : CAPITAL ONE RETAIL STORES ( XXXX ) - ERRONEOUS LATE CHARGES ON MY CREDIT CARD EVERY MONTHCAPITAL ONE RETAIL STORES ( XXXX ), XXXX XXXX XXXX, XXXX CA XXXX ( XXXX ) XXXX, ACCQUIRED XXXX CREDIT CARD WHO WAS FORMERLY OWNED BY XXXX BANK. CAPITAL ONE RETAIL SERVICES HAS CONTINUED TO CHARGE ME LATE CHARGES EVEN THOUGH I WAS N'T LATE. EACH TIME I RECEIVED THE LATE CHARGES, I WOULD CALL INTO THE BANK TO HAVE THEM REMOVED. MY PAYMENT IS ALWAYS MADE BEFORE THE PAY DUE DATE OF THE XXXX OF EACH MONTH. IN XXXX I RECEIVED A LATE PAYMENT FOR XXXX, I CALLED CAPITAL ONE TO LET THEM KNOW THEY HAVE MADE A MISTAKE AND THAT THEY RECEIVED MY PAYMENT AT THE BEGINNING OF XXXX AND THEY CHAGED ME LATE ON THE XXXX. THEY SAY THAT THEY CORRECTGED IT, ON MY STATEMENT THAT I JUST GOT IT APPEARED TO BE CORRECTED AFTER THE FACT AND NOW THAT THEY PAYMENT IS DUE FOR XXXX THEY WANT ME TO PAY {$110.00} WHEN THE PAYMENT IS NORMALLY AROUND {$78.00}. I LOOK AT MY STATEMENT AND IT SHOWS THAT THEY RECEIVED MY PAYMENT FOR XXXX ON XXXX/XXXX/15 AND THEY STILL CHARGED ME A LATE PAYMENT ON XXXX XXXX, 2015 AS IF I HAD NOT PAID. THIS HAS CONTINUED TO OCCUR SINCE THEY HAVE ACQUIRED THE ACCOUNT FROM XXXX BANK - XXXX. PLEASE MAKE THEM CORRECT THEIR RECORDS AND STOP CHARNING ME LATE FEES, THIS IS DAMAGING TO MY PAY HISTORY WITH THE BANK. 
THE CAPITAL ONE CORPORATION HAS XXXX COMPLAINTS FILED AGAINST THEM AND XXXX OF THOSE COMPLAINTS ARE BILLING/COLLECTION ISSUES
I took a loan from Cash Call in 2013. The amount was {$5000.00}. I did n't understand the terms of the loan because the transaction occurred within a couple of days. I then lost my job and defaulted about 7 months later. Cash Call made it very difficult because they would not work with me until l could get back to work. The interest is now 119 percent. Now Cash Call is threatening to file a lawsuit and the balance is over {$35000.00}. 
Initially the salesman who I spoke with never explained the terms of the loan. Therefore it is my believe that there was despection. When I tried calling him back to let him know I lost my job it was impossible to get him or someone to speak with. 
The collection department would call about XXXX times a day but used blocked numbers or unrecognized numbers. I spoke with someone in that department who was not willing to work me on a partial payment. My salary was and is still very low, and I am not capable of making payments.
Bank of America closed this account, and arbitrarily decided to keep {$4500.00} of mine. They claim the money orders deposited were 'not valid for deposit '. Bank of America WAS paid by XXXX XXXX for the money orders AND they refuse to provide substitute checks, a violation of federal law.
" The story concerns the   XXXX   loan program, one of the more toxic mortgage offerings during the housing bubble. These loans offered a variety of different initial payment options for borrowers to choose : a sum corresponding to a 15- or 30-year fixed rate loan, an interest-only payment, or a minimum payment that created negative amortization, where the principal balance would actually increase with each passing month.
Borrowers naturally trended toward choosing the lowest payment. But they were never told about the implications, and when the pay option expired, their monthly mortgage bill would skyrocket, usually leading to default.
These were not loans, but neutron bombs with a long fuse. And roughly half a million borrowers took these   XXXX   loans under false pretenses from   XX/XX/XXXX - XX/XX/XXXX  .   XXXX   XXXX   and its subsidiaries sold the loans, but when    XXXX   XXXX    bought  XXXX  at the end of   XX/XX/XXXX ,  they assumed responsibility for them.
Homeowners began to complain when the payments shot up, and law enforcement started investigating as well. Because   XXXX   XXXX   were designed to fail, and because  XXXX  never disclosed the consequences,   XXXX   XXXX   was liable for violations of multiple consumer fraud statutes. '' My Complaint : Even to this day your company allows   XXXX   XXXX   to continue to stand behind their predatory lending practices, but what they have not provided are a few facts about my case that I think they should know. I initiated litigation proceeding against   XXXX   XXXX   back in XX/XX/XXXX  when their predatory lending practices came to light. The home equity loan was an instrument of  XXXX    XXXX   home loan, which was transferred in   XX/XX/XXXX  un der Account  XXXX  while litigation were still proceeding and without notifying me or my attorney of this critical piece of information. Critical, as the loan transfer released the primary home as collateral positioning   XXXX   to continue there ruse of a home modification in the works while clearing away any foreclose obstructions. my home was then foreclosed on a short time latter as there was no modification being worked out, so you see you 're being duped just as I was and your now going on record as supporting loan that was identified by the Attorney General of multiple states as a predatory loan ... Congratulations!