WillisBack/dataset-financial-user-claim huggingface dataset:
When I first graduated in XX/XX/1998 and couldn't pay the steep payments I was told to keep taking forbearance by what was then Sallie Mae. Never once was I informed about any Income Based Repayment. I have never been in default. I finally ended up on the IBR program around 13 years ago and this year when I re certified I was given a bigger payment although I had just had a second child. I was pressured into re consolidating even though I knew that would restart the clock for any forgiveness. I was told that I couldn't get any forbearance to cover the payment while they recalculated my payment based on the fact that my finances had changed. I was told to reapply for my re certification with a paper form. I did this. I received no notification that the application was received. I paid the amount due from the previous plan and started receiving delinquency notices. and Finally 2 months later a notice saying that I couldn't re certify because it was to early for next year. Their website offers no way to figure out what is going on. The page tells you a different payment amount then a person which is different than a bill. Seems to me this company sets you up for failure. These are predatory practices. Its 20 years later and I have never been in default and my loan balances have doubled. Now for the first time I am in danger of default because of the practices of this company.
Commerce Bank was offering {$200.00} to open a checking account. I have opened the account twice, and the account was subsequently closed with no explanation before paying the bonus. The company is intentionally misleading potential customers, into opening accounts, and then once they open the account, are closing accounts before the bonus is due if the customer does not open a credit card or take out a mortgage, or use any other products that are more profitable to the bank. 

Additionally, anyone who has opened an account with the bank in the last few years with a bonus offer should receive a mailer from the company or the CFPB alerting them to these practices. The company should be forced to pay what was promised, including lost interest to the victims, and should also be subject to a punitive fine payable to the CFPB or perhaps a different customer watchdog to send a message to Commerce Bank and any other bank that these type of abusive practices will not be tolerated in the future.
Third party was called. I have never used that number associated with any credit. Has never attempted to be reached by telephone before any third party was called
The mortage is with Movemement Mort. We began a hardship in XX/XX/2018. We recv. a letter in the mail from the US treasury asking if we needed help. We reached to the State NC that helps with assistance. They referred me a local counseling company ( XXXX in XXXX NC ). We sent all paperwork and spike with via conference call. We made several attempts to contact the company just to get a follow-up, see if they needed any more information. ( once we finally get to speak with someone. They said they not could help because my husband find a job once he lost his other job. 

2. We started reaching out to the Mitigation department ( servicing Company ) Starting in XXXX We spoke with them and gathered all information and faxed to them. 48 pages Never heard from them. We called them back 3 weeks later, They stated that there were pages missing from the fax. The only got 10 pages not the entire 48 pages. ] b. We faxed once again, They stated there was bank statement that had a 2nd page and that we needed to fax again.

c. My husband at this point is concerned that because of what we look like they were at this point playing games. He proceeds to scan the documents in and email. 
d. XX/XX/2018 We both call the Mitigation department because my husband tried several times to make payments but they wont not take money. We spoke with there customer service Representative and first she started the conversation off with, We haven't recv. the information that we requested, but I do see the fax dated XX/XX/2018 and once we started asking about the XXXX fax she started to do a little coughing. It was very interesting conversation. She then stated that she saw the fax and that the young lady that handles mitigation has a not that she only got 3 pages. We have all copies of fax transmissions and emails.
In XX/XX/XXXX, called and asked for lower payments bc of job loss. Was denied and granted an extension which full payment was due the next week which was a struggle and still is. Company calls everyday threatening to file charges. Very rude and unprofessional conduct.
On XX/XX/2018 american medical collection agency called at XXXXXXXX XXXX I called them back at XXXXXXXX XXXX discussed account stated my spouse would be calling to pay the debt. I was told by the man on the phone ( didn't get his name because he kept talking so fast couldn't understand and was currently at work ) that my account would be put in a protected status for 7 days for my spouse to have time to pay. second call from the same company came at XXXXXXXX XXXX about the SAME acct. when my spouse called to pay as I stated she would she questioned their business practices as she also works in collections and knows that I had already addressed the payment so why was there a SECOND call in the SAME day. They said I hadn't auth her to speak to them EVEN though I stated she would be calling and they didn't ask for any further information. She asked to speak to a supervisor who then stated the same thing no auth to speak to her because what she wanted to speak about was the TWO calls in the same day on the SAME matter. I have a copy of the call log if needed
It is over 45 days from my first dispute XXXX XXXX XXXX about the mistakes in my report ( XXXX, Transunion, XXXX XXXX : XXXX XXXX XXXX - XXXX : Unverified account XXXX - XXXX : Unverified account XXXX XXXX - XXXX : Unverified account However, I still not receive any physical verification of the original signed consumer contract - any and all accounts Credit Bureaus ( XXXX, Transunion, XXXX XXXX XXXX on a credit report
I used my credit card to purchase concert tickets for a venue that was in our area, and I never received the tickets that I was charged for.
In XXXX Of last year we called Mr. Cooper they made arrangements for us to pay 6 reduced payments. We had been displaced from the huricain and our property was flooded. They said that if we made all 6 monthly payments then at the end they would modify the loan. We could go back to paying around what we had been paying before the huricain. After the 6 months we contacted them and they said we were waiting on the underwriters to finish the paperwork. This went on for months. I called many times to try to get a time or date that the papers were coming. I was told they would be in the mail and to expect a XXXX  package and to return as soon as possible. Never got them. I would call to see when they were sent and XXXX would say the underwriters were not done yet, any day now. Finally I called and he said that to much time passed and I needed to file another disaster modification. I told them that I felt it was wrong, wouldn't do it. They wanted me to file to see if I could take the loan with my credit. I told them that XXXX XXXX denied me already when my dad first passed away in XX/XX/2017. My credit is bad and if I ever did get approved through my credit that the a.p.r. wpuld be much higher than my dad had. My dad left everything to me and I did everything they asked. Now they are saying that my payments are late. They said not to make any payments untill the modification was done and now bc of this we are not compliant. They say that all the phone conversations are recorded but refused to send me a copy of them.
On XXXX/XXXX/2015 Wells Fargo Bank , N.A . assessed a fee of {$10.00} to my account with the title of Currency Fee. I called the Customer Service number for my account and asked about the fee and they could not provide any details other than the fee was assessed by a branch for a cash withdrawal. The terms of my account do not provide for such a fee to be assessed based on what the representative told me. I again questioned what the fee was and how it was calculated and the representative could not answer except postulate the fee was because I had requested " large bills '' or " more than my cash limit ''. I asked to dispute the charge or open up an investigation and the agent refused to do anything and told me I had to talk to the branch. When I asked which branch assessed the fee she could n't tell me and asked me to go to the branch where the money was withdrawn. The money was withdrawn at multiple branches. 

This account has over {$50000.00} in it on most days and is a business account. I should not be charged for withdrawing my own money from my own account. 

WFB has the legal responsibility to have clear terms for their accounts as far as how charges are placed on my account and I believe they are acting in violation of disclosure laws for FDIC insured bank accounts.
Had a personal loan with lendmark financial. Had 3 missed payments due to the online website they have set up not working after they changed my loan number. Thought payments were being paid. Then got a later from them saying it was past due. Called lendmark to explain the issue and they are no help so ended up paying the loan off all at once.
While I was shopping for a vehicle loan I had several hard inquiries made. Based on information that is porvided here by the CFPB all these inquiries should have been combined into XXXX. XXXX did it automatically from one month to the next. Why have n't you?
did not receive any notice or validation of debt notice from this company. i have not received anthing not even a phone call from this collection agency my employment and address is the same and has been the same for several years now.
I phoned XXXX XXXX XXXX on XX/XX/XXXX to dispute the " adverse '' information they provided to my potential employer, XXXX on XX/XX/XXXX. I was told by XXXX they would only check back 10 years, XXXX went back to XXXX, they then reported to XXXX that there was adverse information from the MN XXXX 's office. When I told XXXX  that I contacted the XXXX 's office and was told that there were no open studies on me nor was I disqualifed, the person I spoke to told me that XXXX asked for any disciplinary action ever taken against me to be added to the report even though it was outside the 10 year time line and irrelevant to the job I was applying for. The disciplinary action happened when I worked as a registered nurse, I have not worked as a nurse since XXXX.
Attached is a letter I received in the mail dated XX/XX/18 from Debt Recovery Solutions , LLC stating I owe {$140.00} to XXXX XXXX. The account was purchased from XXXX XXXX, XXXX from XXXX XXXX. I have not taken out a loan from XXXX XXXX. I contacted Debt Recovery Solution, LLC on XX/XX/18 to let them know I have not taken out a payday loan from this company or any other company. I do not taken out pay day loans. The gentleman on the phone name XXXX was very rude and aggressive. I stated to him that I was going to file a complaint with the CFPB. He said fine but I took the loan out. I stated to him that I did not.
XX/XX/XXXX Notice of Chapter XXXX Bankruptcy Case, Meeting of Creditor, & Deadlines filed. ( Notice attached ) XX/XX/XXXX Notice of Appearance with request for copies of all orders, notices and pleadings under bankruptcy rules 2002 ( g ) and 9010 ( b ) filed by Ocwen Loan Servicing, LLC as servicer for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( Notice attached ) XX/XX/XXXX Final  bankruptcy Decree received that included referenced mortgage property. ( Letter attached. ) XXXXXX/XX/XXXX Received letter from Ocwen Loan Servicing, LLC stating the following : " This letter was sent to acknowledge that we are in receipt of your request regarding the REO inquiry through correspondence received from XXXX XXXX. '' -I did not make this request and sent a certified letter, with return receipt, stating the property had been surrendered in a chapter XXXX bankruptcy with all of the applicable filing information. ( Letter attached. ) XX/XX/XXXX Received NOTICE OF OWNERSHIP CHANGE from Ocwen Loan Servicing, LLC stating that the mortgage account had been transferred. ( Notice attached ) XX/XX/XXXX-XX/XX/XXXX Several invitations to pay and miscellaneous notices from " XXXX XXXX '' received . 

XX/XX/XXXX Debt validation notice received from XXXX XXXX XXXX. 
-XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and ALL of its servicers are well aware that this property was discharged in the bankruptcy.
American express tricked me to keeping my account open. 

I called American express on XX/XX/2016 regarding my American express XXXX business account. I inquired if there is any retention offer that can help me decide if I should keep my account. An agent told me that she is able to add a retention offer, 'spending XXXX on the account and get XXXX XXXX points in 3 months. ' Then I asked if she can send me a confirmation email, but she told me that she ca n't. However, she left her name XXXX with agent id XXXX. Then I finished the spending requirement on XXXX XXXX, but I have n't received my spending bonus on XX/XX/2016. Hence I called American express on XX/XX/2016 and inquired if my spending is eligible for spending bonus and how long it will take to get my bonus points. The agent responded with 'sorry there is no retention offer on your account, and you are not eligible for any bonus points. ' Then I asked if she can locate the agent XXXX with agent id XXXX, but she answered 'no XXXX is not here. ' Then I ended the call but found I was tricked by American express because American express agents tried to keep my accounts with fake offer and names/ids. Now I can not get my annual fee refund because it has been passed 30 days since annual fee posted.
On XX/XX/2018, I applied on the Barclay website for an increased credit limit. I looked closely for any terms indicating a " hard pull ''. I submitted the request after no indication of a hard inquiry. Barclays said they did a hard inquiry.
I recently reviewed my credit report and saw FIFTH THIRD requested a copy of my credit report on XXXX XXXX and XXXX XXXX 2016. I mailed them a letter requesting a copy of a written document giving them permission to do so. They have not responded
Within the past couple of months, I have been getting phone calls from XXXX XXXX who apparently works for a XXXX XXXX XXXX XXXX. He leaves a recorded message : " This is XXXX XXXX with XXXX XXXX XXXX XXXX. I have a summons in hand for you. I am scheduled to go out to your home and place of employment within the next 24 to 48 hours.  Please make yourself available with two valid forms of ID. If you are served your summons at work, your supervisor or head of security will need to be available to sign off as a witness. Please be advised failure to sign for the summons may result in a missed court appearance. If you have any questions or concerns, you can contact the party that is filing against you at XXXX or you can press 1 after the tone to be connected directly. '' This loan that they are referencing is over ten years old. The vehicle was repossessed while I was incarcerated. 
They have no valid right to collect on this loan as it is dead. It has been charged off. This company is not the original creditor. I'm sorry they bought the loan for pennies on the dollar. I am not liable for it any longer. 
They have repeatedly called my house to harass me into paying this debt. 
They have contacted my friend via her wireless phone to say the exact same quoted words above. She pressed 1 and was connected. The person she spoke to told her that they were trying to collect on a debt I owed and that I would be sued and need to go to court to rectify the situation. 
I tried to call this company back. When a woman answered, I asked what company I was calling. She refused to tell me and told me to not call there again,. She then hung up the phone on me. I tried to call back several times and each time someone picked the phone up and immediately hung up on me again. 
I'm trying to call right now to get additional information on why they have been calling me. A XXXX answered and said the company was XXXX XXXX. When she confirmed my name, she placed me on hold. When she came back on the line, she told me that paperwork was already sent out. The last time they contacted me was XX/XX/2018 and this is when they said 24-48 hours a summons would be delivered. Nothing was delivered thus far. XXXX told me not to contact their office any longer because I asked them not to contact me or my friends. They contacted my friend XXXX XXXX AFTER I requested no more contact from them. I was just following up with that XX/XX/XXXX phone call. XXXX told me I was childish. I told her that her schtick was a scam. She told me she was going to file harassment charges. I told her to do what she needed to do as I would do the same since they have not ceased contacting me.
RE : Previous CFPB Complaint # XXXX I previously submitted the above referenced complaint to Capital One, on or about XX/XX/2018, with a copy to CFPB. The issue centers on a reduction of my credit limit ( from {$30000.00} to {$1000.00} ) FOR NO APPARENT GOOD REASON. It took Capital One approximately three weeks to respond, only to essentially repeat what was stated in their original correspondence, and DID NOT address the specific questions/request for additional information included in my complaint letter. 

As previously stated, I do not necessarily intend to utilize the full credit limit on a regular basis. The issue, however, revolves around the negative impact that this reduction in credit limit, either has already had, or will stand to have on my overall credit rating and score. 

Copies of my original complaint letter and attachments are attached herewith.
XX/XX/2018 at XXXX XXXX. I contacted Amsher Collection Services about a past due account, We agreed upon a settlement amount with the conclusion that they were to send me a letter stating a {$0.00} balance and that it is to be removed from my credit. Although they tried to get me to pay the full amount AFTER agreeing to pay the settlement amount of {$760.00}, To date XX/XX/2018I have not received the letter. I contacted them again XX/XX/2018 and was told to email the supervisor XXXX, I have emailed twice, and once through their website this morning ( XX/XX/XXXX ), and called again on XX/XX/2018 at XXXX. Today ( XX/XX/XXXX ) I was told during a phone conversation that the manager just came in and once they opened their email they would respond to my emails, again they have failed to respond. Every time I have called in I have been notified that all calls are recorded so someone needs to go back and listen to their calls
Cash store calling 6 times a day on top of that cotton wood financial I guess is an affiliation calling my friends cell. Advised im a non profit payment plan. They did n't care was asked for me to have them send a letter. Family credit faxed them a letter still getting harassing calls they do n't want to release the loan to collections so they can still charge me outrageous interest rates.
I have a BofA credit card, and did some balance transfers to this card in early XX/XX/XXXX, which included a promotion of something like zero interest for a year or so. Every month since the transfers, there were the interest charge calculations available on my statements so I knew when I had to have certain balances paid off by to avoid interest changes kicking in. Since XX/XX/XXXX, this entire section has been XXXX out ( every month since ) and I 've had to call to verify the amounts to ensure ( for myself ) that I know balances. Its seems to me that leaving these sections blank, anyone could easily overlook what their promotional amount balances are and would easily fall into the trap of interest kicking in. Are n't there laws regarding disclosure on statements that the credit cards should be following??
According to  Sun Loan  in  XXXX  Oklahoma  I took a  loan out in  XXXX    XXXX  . During this time I lived in  XXXX  Oklahoma. I did not have a vehicle at that time also. When I asked the company to let me see the paperwork the  manager  at that location told me that they could not find the paperwork. I have also disputed this on my credit report and it still has not been removed.
To Credit dispute department : XX/XX/XXXX - Contacted Chase Services about account {$8300.00}, was informed that they would be sending me a XXXX form for balance on account. 
XX/XX/XXXX taxes, filed XXXX XXXX, XXXX {$8300.00} Reported as income from form XXXX from Chase Card Services, included as income reported for the year, and paid taxes for same. 
XX/XX/XXXX - Attempting to qualify for a mortgage, contacted Chase services again, to request that the amount of {$8300.00} be removed from my credit file, after having received XXXX and reported amount as income XX/XX/XXXX. 
XX/XX/XXXX - Am told by Chase Services that the only way the amount will be removed from credit report is if {$8300.00} is paid to them to XXXX the balance on the account. Have spoken with various entities at Chase, provided the XXXX form they sent me, but they refuse to XXXX the balance on my credit report. Can anything be done? '' XXXX has XXXX out the balance but XXXX and XXXX has not changed it. I have the XXXX form if needed provide me with fax or email to copy and send. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXXXXXXXXXX XXXX
My house is in foreclosure with a sale date of XX/XX/XXXX. This is the second time the bank is doing this. The first time after receiving a letter from your office explaining that I was in the middle of Loan Modification, They relented and allowed me to finish my Loan Modification. I was approved as of  XX/XX/XXXX. Since XX/XX/XXXX I have been paying the monthly mortgage amount and receiving statements from them. They are claiming that I did not sign certain documents so they are foreclosing on my house. The following are my issues with them : 1. I received a letter that I was approved for the loan modification in XX/XX/XXXX 2. I have been paying every month since then 3. Although they said the sale at the first foreclosure sale was " rescinded '' my name was never put back on the property, I therefore could not get insurance for the house. 4. I did not sign the documents because I did not understand them. I was n't clear on getting my name back on the property and did n't understand what the " balloon payments '' are. 5. I called many times to get clarification and no one ever returned my calls. 6. I am in bankruptcy.
For the last two years I have been battling with Navient and their payment policies. I put in to defer my payments twice and Navient failed to tell me about the {$50.00} " security deposit ''. Also every time I got off of the deferment plan, Navient charged me as though I had n't paid for months. It XXXX my credit each time. And I had to contact them incessantly after each episode of this. I 've informed them and tried to solve it on my own but my credit never got better.