WillisBack/dataset-financial-user-claim huggingface dataset:
The complaint is about a private loan from AES ( American Education Service ) where I obtained a student loan, and they insist on a co-signer. I was told when I apply for the loan the co-signer will be removed after a year which was not true, once I start repayment. I start sending payment for a year when yet they did not remove the co-signers name. My complaint is the constant mail I received from this institution on a monthly basis, and they realize I am attending college because I notify them by mail. I have sent them a response various times making them aware I am in college and my loans are in deferments, but they ignore that fact. Furthermore, XX/XX/XXXX/XX/XX/XXXX I started to send them payments when I can in a small amount of about XXXX dollars to apply it for my current loan to keep the amount low, however, I am presently in school as a graduate student full time. I complained to my school and they said they have sent automatic update to them making them aware I am continuously enrolled. 
XX/XX/XXXX, they are constantly sending me information for past payment and continuously sending information about higher interest rate and also sending information to my co-signer who happens to be a retired vet which has made him very concern to why they are constantly sending these mails every month to him. In addition, they are sending letters claiming they could not debit my account for the monthly payment because I close my account, and I need to send them payment immediately with another form of payment. That was really strange because I never sent an agreement for debit payment, and they contact the co-signer claiming of miss payments, and he needs to make the payment. I was absolutely horrified how deceptive AES can be. 
Please contact them to explain why they are continuously sending deceptive mails and claiming I sent them a debit payment plan which is not true. Furthermore, sending negative report to the credit agencies which is affecting my credit score and in term making it difficult for me to get hired. I have been in search of a job with no success, and I think the negative report on my credit is contributing to these issues. Please help me to solve this problem. These company business practices are not honorable, and I want everyone to be aware of these underhanded practices.
I have disputed an account on my credit report with Transunion over XXXX times in the last six months. I advised Transunion that the information the US Dept of Education is reporting is incorrect. US Dept of Education is reporting that I have a monthly payment of {$3400.00}. I have also disputed this with the Dept of Education. The loan amount is only $ 4K so how can you have a payment of {$3400.00}. Transunion is not verifying this information as the last time I called in to dispute was XXXX/XXXX/2015 and transunion completed the dispute and emailed me on XXXX/XXXX/2015 with no change to the account. This action is causing me to look like I have high monthly payments and is causing me to be denied credit. The FCRA requires that information reported is accurate and detailed. I plan to contact an attorney to see about possible litigation against Transunion if this is not resolved. The other bureaus does not show a payment for this account.
Santander refuses to update my credit info being reported to the XXXX credit bureaus to open/current for this loan or lease. I have paid them to make the loan current and paying all applicable fees but they refuse to report the correct/accurate information. This is affecting my livelihood in regards to employment and housing opportunities.
Wells Fargo violated the no oral modification clause in my mortgage and is not adhering to the terms of the mortgage requiring the escrow be paid in no more than 12 monthly payments. Further, the female borrower was able to amend the signed contract on a NEW escrow account and not a review of the escrow account. The male borrower required adherence to the original terms of the signed NOTE.
We sold our Home XXXX XXXX XXXX  XXXX on XXXX NY. We closed on XXXX XXXX 2017. We had an outstanding balance of $XXXX with a wells Fargo mortgage and the title company sent that amount in a XXXX XXXX XXXX check and someone at the correct address for payoff signed for the check. Wells Fargo claims that they received the check but cannot find it and asked XXXX XXXX to cancel. XXXX; XXXX cannot reissue a new check for 90 days.This presents multiple issues;1- We still have this showing on our credit report preventing us from buying a new house2- The house still has a lien and there are new folks living there3- Wells Fargo has held our escrow balance of $XXXX and are subtracting $XXXX to buy an insurance policy on a house that we do not own anymore.I have gone up the chain at Wells Fargo and all they can do is apologize, i have also had our XXXX follow up and same result.I am livid and want to have them deal internally with this problem and resolve on our end.Thank-youXXXX XXXX XXXX XXXXXXXX
My bank XXXX, via web pay bill, paid my mortgage to Wells Fargo on XXXX XXXX 2015. For over a year Wells Fargo had received payments via this method and applied the funds to my mortgage. This time Wells Fargo did not apply the funds to my mortgage but instead somehow misplaced and lost the payment. It took nearly 5 weeks for Wells Fargo to locate and return the money. Meanwhile I had to pay my mortgage again as to not be late on my payments. Wells Fargo refused to pay any interest on the money they held and did not compensate me for the over drafts on my account due to having to pay my mortgage XXXX in one month.
I was shocked when I reviewed my credit report and found late payment on the dates below 30 days late as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I received this email. It is ashamed that someone should should be forced to buy to keep a credit cardDear XXXX XXXX, As a result of a recent review of the Discover ( R ) card account referenced above, we have closed your account as of the date of this letter. 

This action was taken for the following reason ( s ) : Inactivity on your accountWe will credit your account with your Cashback Bonus ( R ) ( or Miles ) balance if you have one. 

Should you have any questions regarding the actions taken on your account, please contact us Monday - Friday XXXX ET, by calling XXXX. 

Sincerely, Account Review TeamOur credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency listed below. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. 

You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency. 

For a free copy of your credit bureau report, contact : XXXX CONSUMER RELATIONSXXXX XXXX XXXX, XXXX XXXX also obtained your credit score from this consumer reporting agency and used it in making our credit decision. Your credit score is a number that reflects the information in your credit report. Your credit score can change, depending on how the information in your credit report changes. 

Type of credit score FICOYour credit score XXXXDate XX/XX/2015Scores range from a low of XXXX to a high of XXXXKey factors that affected your credit score were as follows : XXXXThis information was provided to us by XXXX CONSUMER RELATIONS, a consumer reporting agency. 
FEDERAL EQUAL CREDIT OPPORTUNITY ACT NOTICE : The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided that the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency which administers compliance with this law concerning Discover Bank, the issuer of the Discover Card, is the Bureau of Consumer Financial Protection, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.
I have been sending letters to XXXX and Transunion for months now and I have repeated myself over and over again. I am extremely concerned about the actions they are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Discover Card repre sentative called me today about an outstanding balance on  XXXX  credit cards that were opened with them on  XXXX / XXXX / 2016 . I informed him that I have no credit cards with  Discover and  have never applied for credit with them.. I did report as fraudulently  XXXX  credit card that was opened with  Discover  back in  XXXX . I informed them that I have a 7 year fraud alert on my credit so no accounts should have been opened without my authorization. They informed me that the card would be closed out immediately. However, after th e phone3 ca ll today I 've learned that they did n't close out the card and that there are  XXXX  additional cards opened fraudulently with Discover. Their investigations dept. refused to help me or give me any information as to how these accounts were opened and then kept open even after I informed them back in  XXXX  that they were fraudulent. In  XXXX  I was advised by   XXXX   to get a credit freeze since the lady whose stolen my identity has still been able to open up accounts despite my 7 year fraud alert. I assumed that this issue was over, but as of today I see that it is not. I need these  XXXX  accounts closed as fraudulent.
On XXXX I sent a letter to Bank of America and spoke with XXXX different employees of Bank of America. XXXX XXXX, Manager of the Short Sale Dept, phone XXXX, assured me he will have an incorrect report to my credit report corrected within 5 business days - or by XXXX/XXXX/XXXX and he would send me a letter of correction. He said it would take 30 to 90 days for the credit reporting agencies to make the correction. 
Bank of America reported that I owe {$64000.00} to Bank of America as a result of a short sale. 
Bank of America prepared documents signed by me stating the bank accepted payment in full when the property was sold XXXX/XXXX/XXXX to a new owner. There were no further costs to be paid by me and I did NOT sign a promissory note agreeing to pay any additional amount to Bank of America.
Recently I went to a free standing wells Fargo atm located on the other end of town related to where bank is. I have been a member of wells Fargo for many years to include a mortgage and even my sons recent teen account. After my experience I'm a drastically reconsidering this. I made a cash deposit of XXXX, the atm started having issues within a minute of deposit, and said the machine had jammed. Enter your deposit amt or best guess. I entered XXXX. The next day my funds were available. Yesterday in logging on to my account I noted a/an XXXX atm adjustment. Deducting XXXX from my account. I called and spent nearly 45 minutes getting passed around. Finally speaking to XXXX supervisor and the a XXXX XXXX in executive relations neither which could assist me. Rather they said I had to call atm acquisition department. Stating could take up to 10 business days to resolve matter. I expected more from my bank. I work hard for every dime I make and deposit into said bank.
My local tax collector says that my real estate taxes were not paid from my escrow at Freedom Mortgage. Freedom Mortgage says they have been paid. I have been trying for the last two months to get evidence of this payment from Freedom Mortgage and each time I try to do so I get a different story. The latest is that since I sold the property they need my request in writing because that is " what their tax department requests. '' However the last call from their tax department was that they would research this and get me a letter stating it has been paid in full. Currently I am over an hour into today 's call and still no resolution.
I was told by Navient that I was going to be part of the income-based repayment plan. I discovered today that I was not part of that plan. My student loans were never consolidated and I have still been charged interest every month. I was under the impression for the last year I was in this program and would have at least 11 months worth of qualifying payments towards the student loan forgiveness program. I did not know there were separate programs and feel like I have been lied to. I had no idea that my loans were supposed to be consolidated nor did I know the government would pay the interest for the first 3 years. I feel Navient has been misleading because I was under the impression I was in the Income Based Repayment program.
Never received notice of the debt until after it was reported to credit agency. Contacted company immediately and paid debt, of which I was told I would recieve a confirmation email statement. I never received that. I called back and then I was told I would not receive a payment statement and that my bank statement would serve as my receipt. I submitted a dispute with the credit agency to have the collection account removed from my credit report and now the company who reported it will not remove it and states it is accurate as it stands even though the account has been paid in full. The problem is I only have a bank statement to show as proof of payment but no actual receipt from the company. So I am stuck with a collections account on my credit and again the company refuses to state it was paid or have it removed.
I have a car loan through Consumer Portfolio Services. I signed the loan paper through the car dealership to pay the car off after a certain number of payments. However, I do not understand how this company works. Each time I make a payment they change the amount of money that they take of the amount of the loan and how much they charge in interest. For instance one month they took off {$58.00} the principal the next month they took of XXXX, the next month {$140.00}, then another month {$0.00}. At the rate this is going I will never pay off this car loan. I feel as though I am a victim of predatory lending. 

Also, twice I had an issue making a payment. I set up automatic payment to be drafted out of my bank account online. It was never drafted out of my account when I set it up to come out so I had to go online and make a manual payment which cost approx {$7.00}. Then recently I made an online payment with an e-check and the check was returned. I went back into my email to check the confirmation and I noticed that under the account number it had for my bank account it had my husbands social security number. There is no way I would put my husbands social security number in for my bank account number. I feel like I have been set up twice to have my payments not go through twice and have to pay a fee. I am extremely unhappy with this company.
I bought a used car on XX/XX/XXXX and financed it with Ally. I am XXXX and thus a XXXX, so I should have been included in the settlement against Ally for overcharging XXXX. I learned after the deadline had passed to submit a claim that there had been a settlement regarding the fact that Ally had overcharged XXXX who had financed cars with Ally between XX/XX/XXXX and XX/XX/XXXX. Since I am a XXXX, I should have been included in this settlement, however, Ally never contacted me or sent me any letters regarding this matter. I have called Ally several times and finally they referred me to their Settlement Administrator who was unable to help me, stating that the deadline had passed, that is why I am filing this claim with you.
Citi bank sent me a mail offer regarding opening a checking account and if I fulfilled certain conditions I would receive {$700.00}. As Ive previously complained about citi bank not honoring a previous offer I went to the XXXX branch and spoke to a staff member XXXX XXXX who stated that the only conditions listed on the flier were to spend a certain amount of money and to have a Qualifying bill paid from my account for 2 months. 
She checked the flier twice and confirmed that there were no other conditions listed. I read the flier 3 times including the small print of which there was a lot and then called the number on the flier before I opened an account online. 
I spoke to XXXX who told me that I had to have {$200000.00} in my account to qualify for the {$700.00} and lesser sums for the other amounts/rewards. He could not explain why the flier did not list the criteria but apologized and agreed to have my name removed again from their mailing list. This kind of false advertising is not allowed in other countries why then does citi bank keep being allowed to send out misleading offers for new accounts and sometimes credit cards.
Due to the Equifax data breach of consumers personal information, the following fraudulent and unauthorized accounts has reappeared on my Equifax, Experian and XXXX XXXX credit report. The following account and hard inquiries are all fraudulent and unauthorized : Universal Acceptance Corporation/Car Hop, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX Auto Finance, XXXX/XXXX/XXXX.
avient, XXXXXXXX XXXX, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX continue to report I am delinquent on student loans from XXXX. The information reported is inaccurate. All student debt from XXXX to XXXX has been resolved more than 10 years ago. I have disputed the charges with XXXX, XXXX, and XXXX ( as well as Navient, XXXX XXXX, and XXXXXXXX XXXX. However, after a 30 day review period, I receive notification from the credit reporting agency stating, " Subscriber reports dispute resolved-consumer disagrees. '' The matter is then closed by the credit reporting agency. As I continue regularly to dispute the information reported, Navient and XXXX XXXX ( and an assorted host of attorneys and/or collection agencies ) transfer or sell the bogus accounts amongst themselves. Then the new buyer of debt reports the same account with different dates and dollar amounts to each credit agency. Not only do I not owe the debt continuing to be reported, but the date of balance origination is from XXXX, that is TWELVE years ago. I guess I shouldn't have been shocked, but I was at how brazen and unethical the reporters are : they have fraudulently claimed my last payment toward each account was made on XX/XX/XXXX, which is an absolute lie. However, they are acutely aware if payment was made in XXXX for a XXXX file, the can continue to desegregate my credit file. I am prepared to upload credit reports with notations on information pertaining to my complaint today.
Saturday XXXX, XXXX, XXXX I received a piece of mail with a return address in XXXX, TX. It looked like junk mail, and I had moved last year from that area of Texas. I opened it without notice that it was not addressed to me. Inside was an Experian credit freeze report XXXX on a XXXX XXXX XXXX XXXX. I have owned this home since XXXX XXXX, and moved in XXXX XXXX. I had never heard of this man. I felt bad for opening it and decided to call Experian. However the phone number on their report was automated with no way to reach a human. I listened to the recordings and determined that in order for XXXX XXXX to have received such a report, he had to have committed FRAUD using MY address. I then began to look into who he was, a convicted FELON with multiple counts of theft and drugs dating back 20 years! I showed his tattooed photo to neighbors who confirmed he once rented the home where I now live. So, on Monday, XXXX XXXX, I sent a letter to Experian which included information on two issues I had with ID theft locally from XXXX and XXXX of this year and in the process learned someone had opened a PO Box in my name in XXXX. My letter to Experian included a recent bill with my name at my address. There is a police report in XXXX XXXX, GA XXXX and they were notified as well. The answer I received from Experian was STUNNING! They claimed I was NOT authorized to give them the information on XXXX XXXX likely FRAUD using MY address! I then contacted them on XXXX directing them to county property records that proved my ownership and was told the problem was with the MAIL service! I then contacted your bureau asking for a mail copy of a complaint form that never came. Anyone paying attention?
I received a call today from a company stating that their name is " Regional Processing '' ( their phone number is XXXX ) they are threaten to garish my wages for an account from XX/XX/2012. She stated that she would be submitting paperwork to my job to have my checked garnished or I could make a payment over the phone with her. 

I asked was she a debt collector ( she denied ). I asked for the company name that my supposedly account is with ( she could n't give me that information, but gave a random company name - that I have not done business with. I asked for a validation of debt - a contract with my signature ( she stated that she did n't have to give me information and that I should know who my bill is with from XX/XX/2012. 

I informed her that I could not pay a " bill '' that I do not have any knowledge or information about. She threaten again to have my wages garnished if I did n't immediately make a payment. 

The company has called my mother ( yesterday XX/XX/XXXX and today XX/XX/XXXX ) using scare tactics and demanding a payment from her. They are obviously reading off a credit report or some sort because the information that she is stated that they will send people to my home and job ( are old driver license 's number, old/present home addresses, and old employment ) I am being threatened with no resolve. 

If the bill is mine, I have no problem validating it and paying it if it is within reason and the law. 

I need your help please.
I was contacted by Midland Funding to collect a debt from XXXX. I began making payments and discovered that the debt was not mine. Midland was very coercive in getting me to agree to the payments and denied that the debt was not mine. When I informed them that I would had contacted the XXXX and would be filing a report with the FTC, they contact me and told me they would put a stop on withdrawing payments for the debt and they also refunded all the prior payments. The account was on hold.
I have made several calls to Wells Fargo to inquire about their FHA mortgage loan requirements explaining each time I called that I had a bankruptcy in 2011 and a shortsale 2 years ago in XXXX. I was told that their requirements were that two years needed to pass for approval. After I filled out the online application including all my personal and financial information the same person that had told me about the two years called me to tell me that the requirements for FHA loans are three years. I do n't feel this was done in error I feel that they will use my personal and financial information for their illegal purposes.
Diversified Recovery BUREAUS continue to call me after they have failed to validate the Debt. Harrased me the first time I never answered again. Rude and disrespectful, ask for personal information to verify debt. In violation of privacy act 1947. I will report to FTC commission. I have not given them permission to call my phone or hold my information that 's identity theft. Absolutely no contract with them .they need to cease and desist. Never call me again. I have given them a few schelude and will file at small class for XXXX per call. I have over 20 calls from them.