WillisBack/dataset-financial-user-claim huggingface dataset:
Navient will not allow me to put the extra money on the loan I want to. In order to pay more money between my XXXX loans. I had my loans in deferment and forbearance where they charged me interest and now I am also being charged an additional day rate interest. I did tell them I would be seeking legal aid because it is against the law what they are doing. I did NOT sign or agree to anything pertaining to addition interest charges being added daily, when my loans where in both deferment and forbearance agree to more interest. They refuse too help me and to allow me to put the extra money on the loan I want to pay off first. Navient has the rudest, most unhelpful people working for them. When I pay extra on the principal they are charging me an interest fee on top of the daily interest they are charging. So I am being charged a daily interest, monthly interest, forbearance interest and the interest fee on the principal. The school is closed on top of it. So I am stuck paying for something I was never able to fulfill on top of all these fees. Any help would be great since this school is CLOSED! It was The XXXX XXXX and XXXX in XXXX XXXX, CA.
I checked XXXX after checking my credit report to buy a home, when it came back I had XXXX > past due XXXX. I havent lived at the address they have on file for over two years, nor have I received any phone calls from them. I was never offered any type of assistance or forbearance. I only realized they were out there after I applied for a home loan, I was only enrolled in the schooling for 3 months before having to leave due to XXXX and my husband leaving for the XXXX. Also had problems with mail forwarding even after moving out and now the loans have defaulted leaving a huge mark on my credit to where I can now not purchase a home for my family. The loans are also over XXXX and I never received any where near that amount of schooling.
I had a Moving Company called XXXX scam me, on the same day when i realized that i was had, i called my bank to stop the check that i had written, the rep asked me what was the the check #, which i gave him, he also asked me what was the range of the amount of the check, i gave him an amount of between, XXXX and XXXX dollars the amount on the check was XXXX, so the bank is telling me that it does not matter that i gave the check #, its the amount that i gave was the reason that the check went through, if he had told me that i needed the exact amount for this transaction i would have given it to him, i do not understand.
BANK OF AMERICA CREDIT CARD - ACCT # XXXX WAS OPENED AND USED IN MY NAME WITHOUT MY KNOWLEDGE OR CONSENT, BEGINNING XXXX XXXX. ACCORDING TO MY MOST RECENT CONSUMER CREDIT REPORT, THE ACCOUNT WAS CLOSED/CHARGED OFF WITH A BALANCE OF OVER {$8000.00}. NO CARD, STATEMENT OR CORRESPONDENCE EVER ARRIVED AT MY RESIDENCE- SUBSEQUENTLY I 'M UNAWARE OF THE FULL ACCOUNT NUMBER OR ANY TRANSACTIONS ASSOCIATED. 

DISPUTED THE ACCOUNT VIA CREDIT REPAIR SPECIALIST IN XXXX, BUT WAS UNABLE TO PROCEED BECAUSE I DO N'T " HAVE ENOUGH ITEMS THAT NEED REMOVAL '' ACCORDING TO THE SPECIALIST. BANK OF AMERICA REFUSED TO PROVIDE ANY DOCUMENTATION OF THIS ACCOUNT AND ERRONEOUSLY UPDATED STATUS TO 'DISPUTE RESOLVED '.
There is an incorrect address on my credit report. XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX and i have called all 3 credit agencies and two claimed to delete it and sent updated reports and they are still there. None of the agencies want to remove it and their claiming its removed but its still there in four different ways, please help. I need my address to be accurate. My address is XXXX XXXX XXXX XXXX XXXX ca XXXX. My mailing address is XXXX XXXX XXXX XXXX XXXX ca XXXX
I have received at least XXXX fake court documents citing Wage Garnishments that have been left at my door. I live in VA and this particular collection company is also located in Virginia - Glasser and Glasser , PLC located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA. The debt dates back to XX/XX/XXXX or earlier. I was taken to court and my wages were garnished for the amount I owed XXXX XXXX ( in XX/XX/XXXX ). Now I have a new company contacting me with fake Wage Garnishments. There 's no summons filed with the court and no court case in the court systems listing. They also have an incorrect address for my employer. I 'm sure I 'm not the only person they are contacting for time barred debt. The full amount I owed to XXXX XXXX has been paid - they still listing the full amount of the original debt.
I made a deposit in the amount of {$1100.00} dollar on XX/XX/XXXX that was supposed to be put into my Savings account. I filled a deposit slip out and informed the teller that I did not know my account number. I received notification of account activity and proceed to find that funds were missing from my Reserve account with PNC. After further investigation, I found that the writing on the deposit slip with account number were not my own hand-writing. The teller took the liberty to fill out the deposit slip account number without my consent and put the amount into the incorrect account. Resulting in the amount being placed into my checking account without my knowledge. 

I contacted PNC Corporate on XX/XX/XXXX, when the issue came to my attention. I spoke with XXXX, XXXX and XXXX XXXX in the retail relations. They informed me that issue would be risen to the branch manager and the teller would receive coaching. I do not feel that this is satisfactory.
Dear CFPB, I am writing to report an issue with American Express ( " AMEX '' ) Gold Delta SkyMiles Credit Card ( " AMEX Delta '' ). 

I was referred to apply for an AMEX Delta credit card. ( Please see attachment # 1 ). I was supposed to received XXXX Delta SkyMiles as a referral bonus after I spend {$3000.00} in purchases on the card in the  first 4 months of card membership. 

I have met the requirement in the first two billing cycles. However, AMEX didn't honor what they advertised. 

I have called customer service center twice to request the XXXX Delta SkyMiles bonus as advertised/promoted. AMEX 's response was simply I am not qualified for the bonus. 

I requested further explanation but they didn't provide any explanation. They are keep saying that I am abusing AMEX bonus promotion. 

I further explained that I closed one personal AMEX account and one corporate AMEX account ( this is due to change of employer ) and opened one corporate AMEX account ( this is due to new employer ) within two years. 

They didn't think this is abuse of AMEX bonus promotion. However, they told me that the decision was already made and can't be changed. 

I believe I earned the bonus by meeting their requirement from the advertisement. I have not abused AMEX bonus promotion as they acknowledged. 

Please help me to resolve the issue. 

Thank you, XXXX XXXX
This complaint is about the temporary lifting of a Security Freeze at TransUnion. In XX/XX/XXXX I established a security freeze at all XXXX bureaus. They have never been lifted. I have been very physically XXXX for over 3 years and require XXXX care. I especially need help to deal with matters such as this. In XX/XX/XXXX the XXXX XXXX XXXX XXXX XXXX CO destroyed 100 % of my home and belongings. Now my husband and I are trying to start rebuilding and as such need to obtain a construction loan. Using XXXX and XXXX web sites my husband was easily able to temporarily lift using my PINs for a date range starting now their freezes. The same attempt at TransUnion failed with a " system error ''. My husband has spent over XXXX hours on the phone over 2 days with more than XXXX different TransUnion people trying to get this fixed. Agents he reached were in XXXX and told him they ca n't fix the problem. They repeatedly attempted to transfer him to a " Special Handling Supervisor in the USA '' and it only sends him to a dial tone. He has gone thru this at least 5 times today. Each time he has to start all over with each agent with a litany of authentication and problem description. Finally he reached XXXX ( she said she was a USA Special Handling Supervisor ). She too could not solve the problem but could send some kind of paper document ( she said she had to print it ) to a " Maintenance Dept '' and that they will take 7 to 10 business days to figure out what is wrong and " hopefully '' fix the problem. This is no assurance that the problem will even be fixed nor will they tell us so in a timely manner. In the mean time we are stuck. When congress allowed the credit bureaus to create the Security Freeze process it was in response in part to the bureau abuses. Taxpayers and congress were promised that this would solve problems and be processed timely. Well, we needed to temporarily lift the Security Freeze NOW and TransUnion and their broken system that allowed a problem to get into my FROZEN credit file in the first place CAN NOT in a timely fashion make this happen. TransUnion has made it impossible for taxpayers to reach them in effective ways and also people who can timely fix problems with their system. They advertise and have sold a bill of goods to everyone that managing Security Freezes and Thaws could be done instantly on the web. This is clearly not so with TransUnion. This is causing delays at a critical time while we are already overwhelmed with problems. I repeat, TransUnion 's system will not allow us to temporarily lift a Security Freeze even though I have my proper PIN. You regulators need to take a closer look at TransUnion and why all of this is happening. Consumers are helpless to fix this and TU thwarts consumer 's efforts at every step.
I had a check that was mailed and it did not get credited to my account until a month and 7 days after I mailed it. I assumed it got lost in the mail. I mailed them a XXXX check and when it cleared the bank, XXXX checks cleared the bank the same day. I contacted the credit card company and they credited interest back. I paid in full each time. The next month, they charged me interest again. I called and they credited interest back. The next statement, I mailed 7 days before it was due. It did n't arrive until 8 days after I mailed. They charged me interest and a late fee. I called and they would not credit back my late fee, because they said I had achieved too many courtesy credits. I cancelled XXXX credit cards I had with this company.
I called the number XXXX to hunter warfield inc, when I was talking to the collector he mention this company charges interest of 6 %, when I asked why they charged is a collections he told me is what they charge period I try explain if they have any documentation about that he said, I asked for the validation of the debt he was telling me that paper is XXXX that important since account is already in collections I ask anyway.I want informacion why this collections is charging interest. my social # XXXX
I have received my credit report listing the following items I disputed. I have requested for several months Experian to provide me proof of their verifying this accounts belong to me? If they can not provide me a Method of Verification then to DELETE these three accounts. 
This is my last request for them to delete these accounts from my credit report as it is hindering me from obtaining a home loan or any type of credit. Experian has not denied me the ability to dispute these accounts online and by postal mail. I am requesting that they DELETE These accounts from my credit report as i have no knowledge of them and have never done business with these account holders.
I have been getting daily phone calls for over a month from XXXX XXXX ( XXXX was the number they used yesterday ) asking that XXXX XXXX call them about a XXXX XXXX account right away at XXXX. There is no one in my household by that name and never has been. I have never had and account with XXXX XXXX or XXXX XXXX. When I searched the number online it looks like many people have had similar experiences and believe this is a scam. I want the calls to stop.
My salary check is direct deposit on the XXXX of every month. In XXXX I sent my payment in with a post it note asking them not to deposist until XXXX XXXX. Because AMEX deposited my check earlier I received a NSF charge of {$34.00} from XXXX. I deducted the {$34.00} NSF from next months balance and sent them a letter documenting the course of events. From XXXX thu XXXX interest fee charges began to escalate for the {$34.00} non payment. In XXXX I sent AMEX the balance on my account and the chards of my credit card after the shredder. I did not tell them to close my account ... it was a message letting them know what I felt about their customer service. XXXX XXXX I received a letter saying, " We may increase your APR ''. " Cash rewards has been forfeited due to cancellation. '' After I received the letter I went online to access my account and it had been deactivated. I tried calling and when they asked me for my account number, they had no record of it. I received no statement in XXXX. XXXX I get a statement and AMEX wants {$2.00} for interest charged. I 'm livid that whoever opened my payment with the not asking for a XXXX XXXX deposit ignored my request. And correspondence from AMEX on XXXX XXXX, XXXX, XXXX XXXX, XXXX, another one on the XXXX, and XXXX proves that the payment received department and correspondence department are n't talking to one another. I also sent a detailed letter inside a payment which AMEX claims they never received. This is a XXXX... note above that I was told in the XXXX XXXX letter that they will not be issuing my rewards money of which I am entitled. I can see now why XXXX is not dealing with AMEX in the future.
XXXX, XXXX the vendor attempted to bill for services and used a wrong address and telephone number, confirmed by XXXX the bookeeper XXXX. All vendors were paid by XXXX, I have never received any written communication from the vendor proving the insurance carrier has not paid the supposed outstanding amount
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts XXXX XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) , XXXX XXXX XXXX , have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.
I signed an agreement with XXXX XXXX XXXX XXXX  that is managed by XXXX XXXX XXXX to purchase a timeshare. Fraudulent sales techniques were used by the XXXX XXXX XXXX XXXX during the point-of-sale, I became aware of the many omissions, misrepresentations and undisclosed terms that were not properly disclosed to me prior to signing the timeshare agreement. The majority of the misrepresentations that were made by the sales representative had deluded my judgment and misguided me into the purchase. Conrad Acceptance Corporation is now attempting to collect on the Account. The last collection notice I received from Conrad Credit Corporation was datedXX/XX/XXXX and sent to me by XXXX XXXX a Collection Representative. Because the account is now negatively impacting my credit and stopping me from getting a home loan, I sent a Debt Validation Request dated XX/XX/XXXX, back to Conrad Credit Corporation to dispute the debt they attempt to collect. To date I have not received any other notice or correspondences from Conrad Credit in regards to the account or my debt validation request and they still show up on my credit.
It was a computer glitch that was TransUnion 's problem not mines that caused your inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. These inquiries add a hardship and that my rights were violated by TransUnion.
This complaint involves Reliant Capital Soutions LLC and  the company 's mishandling of consumer information ; rights in which are protected under privacy laws. I've been repeatedly contacted by Reliant Capital Solutions to whom I've never done business with and every phone encounter they providing misleading information regarding the nature of the call. This complaint has been generated due to Reliant employee mishandling my social security number without ever verifying who I was. 

When contacted by their employee XXXX I advised that I've never done business with Reliant. Instead of providing me with insight that she was calling from a 3rd party she insisted that I give her my social security number ; her request was refused. She persisted in a threaten tone she that she had the social. I proceeded to hang the phone up. Within a week or so later XXXX calls back XX/XX/2018 XXXX from phone number ( XXXX ) XXXX. Again I advised XXXX that I've never done business with Reliant, she then spats out my social security number over the phone without any verification of my true identity. I immediately hung up and called back to speak with her supervisor. What the Reliant employee did was negligent and very inappropriate. I spoke to the supervisor at Reliant and I was advised of the nature of why they were calling and that they are a 3rd party for the Department of Education. I then advise that I personally call Department of Education to seek a resolution and gather the real facts about the alleged debt. 

I would like to see Reliant implement see some regulations for data security protection.It is my hope that Reliant uses more ethical tactics when handling sensitive information in the future.It is Reliant obligation to safeguard consumers information in which they failed.
Opened a new account ( Checking/Savings ) consumer with Bank of America based on a promotion that stated we were eligible for a {$300.00} Promotion when using ACH. Other terms applied. We called a BOA center. The account was opened " online '' via the call. We then proceeded to a branch to validate our identity ( we, being Husband/Wife ). I have now called on numerous occasions and have visited the branch twice. We have not received the promotion. We have been told it is due to a missing targeted code on the account. However, when we opened the account this was not discussed and we were assured we would be receiving the bonus offer. The offer is available on their website here : XXXX XXXX XXXXXXXX We have also noticed that there is now another offer here : XXXX XXXX  XXXX
This complaint pertains to a Chase Visa card. On Friday, XXXX XXXX 2016 I called Chase to discuss making a large purchase in a foreign currency - XXXX. The discussion was to understand what exchange rate was used and when it would be effective. Chase told me that it was based on the exchange rate published in the XXXX XXXX XXXX for the day on which the transaction settled, which would be one to two days after the purchase. I made the purchase on Saturday XXXX XXXX, in the amount of XXXX XXXX. When I saw the transaction show up in my Chase credit card account, the amount in USD was {$25000.00}. The exchange rate was quite different ( worse ) than what was published in the XXXX. I called Chase today ( XXXX/XXXX/16 ) to discuss the matter. The representative indicated that XXXX sets the exchange rate and there was nothing Chase could do. I called the dispute department and they refused to disallow the charge because " an exchange rate is not a valid reason for a dispute ''. The dispute supervisor, a XXXX XXXX XXXX in Chase 's XXXX XXXX dispute call center, apologized for the fact that the Chase representative gave me materially incorrect information regarding both the exchange rate at which the transaction would take place as well as when the exchange rate would be effective. Had I been given the correct information, I would not have made the purchase. The entire reason for the purchase was to take advantage of a lower exchange rate ( i.e. the one published in the XXXX ).
SYNCB/WALMART does not respond to any request for validation of debt so XXXX and XXXX removed. But ... .for some reason XXXX can not provide this information either but reports every month as as late payment, and paste due account. Unbelievable! Account is showing it was laste in 2011 is the kicker - 7 years ago. Hopefully CFPB and get ahold of XXXX  and find why the XXXX this has not been removed as no one can provide any validation of what this debt is and I have provided my SSN Card and ID.
BBVA Compass bank misled us during the housing crisis in 2011 when we sold our home in XXXX, FL. We sold our home at a lower price than it was worth. We were desperate and sold our home for {$170000.00} to the buyers. There was still a balance of approximately 77,000 dollars after the sale. Instead of a short sale, we have been paying on this balance which shows up as a mortgage on my credit report since 2011. After paying on time for 7 years, we still owe them XXXX ( no late payments ), indicating that we have been paying mostly interest and our loan is set up as a mortgage. We never got any official papers regarding this arrangement, and they still had a lien on the property in question that we sold in XXXX, Florida until we called several times to advise them of this. It is still showing up on my credit report as a primary mortgage. The person that set up the transaction has never returned my phone calls over the past several years since this transaction took place. I am a mother of XXXX young children, my husband is unemployed, and we are sinking under this debt financially. I have never missed a single payment, but we are struggling and would like to be forgiven of this loan which was a true misrepresentation. We did not short sale officially, but in essence, that's what is was. Our family is really struggling to make ends meet. We really need your help.
Your client failed to reach out to the VA in response to getting approval to modify the clients loan. Although the VA has rules and regulations regarding a lender approving an additional modification of the loan, they are also willing to review any lenders request for additional assistance via Loan modifications for the VA to approve, we request the lender to submit the loan modification application to the VA for approval to assist the client in the delinquency of the loan to be brought current and allow the client the opportunity to save their home.
I have money missing out of m RUSHCARD ACCOUNT. THIS HAS BEEN GOING ON SINCE THE XXXX OF XXXX. I AM MISSING {$300.00} FROM MY ACCOUNT. TRANSACTIONS HAVE COMEPLETELY DISSAPPREARED. I HAVE BEEN TRYING TO CALL AND AM DISCONNECTED ON EVERY CALL. I AM GOING TO XXXX XXXX SATURDAY AND NEED MY MONEY ASAP.