WillisBack/dataset-financial-user-claim huggingface dataset:
My mom cosigned a few loans for me through Navient, so that I could get approved to be able to go to college. We did it with the understanding that I can repay after graduation through an income-driven repayment plan. I only found out after I graduated that they base the income-driven plan off of both my husband and I, and my mother 's income. My mom does n't contribute a single penny to the student loan bills. My husband and I pay them. I called Navient to lower payments by taking my mom off as a co-signer so I can have lower monthly charges based on my true income. That was when I found out I need to have 12 consecutive months of paying each individual loan before I can take her off as a cosigner. Until then, they 'll always add her extra $ XXXX gross income a year onto our {$19000.00} annual income, resulting in double the amount due every month than what I can afford. Throughout the term of the loans so far, I 've had to defer them due to hardships and moving across country, but one time I did that, they said I could defer a loan for 3 months, but my charges came back a month early. I also found out after the fact, that deferring resets the clock so that I have to start the 12 consecutive months of payments all over again. So basically I 'm stuck paying double what I should be paying every month because they wo n't take my mom off as a cosigner, because they were n't honest up-front about what happens when you defer. They had falsely advertised about income-driven repayment plans by failing to mention in the beginning that even if your parent does n't pay the student loan bills, you still have to repay based on your parent 's additional income!
OCWEN Loan Servicing has erred significantly on our mortgage payments and escrow funds without explanation or reversal. After several years of making timely payments, including paying down principal each month, the trouble began in XXXX XXXX. We were sent a notice stating that our monthly payment would increase due to changes to our escrow account, so we sent a check in the amount of {$1200.00} to cover the additional escrow and eliminate the increase in our monthly payments. The check was negotiated by OCWEN and applied to our account ; however, we later received a partial refund of the escrow. A few months later, we received notice that the refund was sent in error. We received several statements in XXXX and XXXX, none of which appear to be correct, and all had differing amounts due. We have called OCWEN several times and were told in XXXX that the matter would be corrected in their system by XXXX. The issue is still outstanding and we are left with a {$800.00} deficiency in escrow funds with no explanation. OCWEN has the money, yet it 's not in our escrow account, and they 've sent another statement advising that our payment will increase again in XXXX XXXX. The increase in tax over this time period is negligible, and {$800.00} is missing from our escrow account. There was no disbursement of escrow funds to either tax or insurance to account for this missing money. It is incredibly frustrating trying to get resolution from OCWEN, so we contacted XXXX, the investor in our loan. We will work with XXXX and CFPB to come to a satisfactory resolution with our escrow funds fully reinstated in our favor. We also would like to see an accurate mortgage statement from OCWEN, along with a full amortization schedule for the remaining life of our loan. Finally, we would like a comprehensive and logical explanation about how OCWEN could possibly allow this to happen to seasoned and responsible mortgagees, including what defects are causing this from their automated systems. 
Our XXXX XXXX, XXXX statement shows the {$1200.00} payment overpays the escrow shortage. 
Our XXXX XXXX, XXXX statement reflects an escrow balance of {$800.00} with no disbursements for tax or insurance having been paid, as these were not due until XXXX XXXX. 
Despite having paid the escrow shortage, our statements reflect changes in our payment amounts due from {$3400.00} effective XXXX XXXX, increasing on XXXX XXXX to {$3400.00}, increasing again on XXXX XXXX to {$3400.00}, and an increase effective XXXX XXXX to {$3400.00}. This reflects a total of a {$60.00} per month payment increase, when, in fact, the escrow deficiency was fully satisfied in XXXX XXXX.
We recently requested that Santander Bank ( our mortgage holder ) would suspend the escrow account requirement for property taxes on our mortgage loan. At the time of our signing, we were told we could apply for such a waiver in 2 years after good standing on our loan. When we applied for the waiver in due time, we were informed of a fee of XXXX of our mortgage balance equaling {$460.00}. This fee is unexplained, inappropriate and unfair. At no time at our signing or in our phone conversations with the bank was such a fee described or explained.
On Saturday, XX/XX/XXXX I provided computer service to a personal friend in person - the service ( aka, the 'goods ' ) were provided locally and at the immediate time, with said friend willing to substantiate my claim further. 

A verbal agreement for payment was reached and I sent my friend a money request on Paypal shortly thereafter. 

Upon receiving the request, my friend promptly paid the agreed amount. Instead of receiving my money, I come to learn that Paypal has placed a hold on my funds for up to 21 days. 

I contacted Paypal the next day, just to be told that despite there being no physical goods to ship and the service having already been delivered, that I would be forced to wait potentially up to 21 days for access to MY earnings and to simply 'send through family/friends ' next time. 

Not once was it made clear that requesting payment for a service would result in a seemingly mandatory hold.
Multiple calls this week. When I called them back they stated they were XXXX XXXX XXXX XXXX. They stated the call would be recorded but never stated this was an attempt to collect a debt. When I refused to provide personal information I was told the information was already on their screen. I told them to tell me what they had and I would either confirm or deny. They did have my address. They then asked for my birth year, again I refused. 

I asked for information about why they were calling, who their client is and was told they could not provide that information. I asked for the information to be sent to me via email and unless they could do that I would not provide any information. The answer I got was they could not send any information on this through the mail. 

The person on the phone had a very thick accent from XXXX. 

The number appearing on the caller ID is XXXX.
XX/XX/2015 called XXXX Trans Union to place Credit Freeze on my credit report. I was told it would cost $ 10- so I said I would give her my CC # and she said there was a {$1.00} fee to use the credit card. That was all she disclosed. I gave her my CC # and was told a credit freeze was in place until I removed it. XXXX XXXX, 2015 there is a {$17.00} charge on my CC # from Trans Union for I do not know what. I called them and was told I agreed to some sort of credit protection-I assured her I had not and she said I did that it is clearly stated on the web page-I told her I had called to place the freeze and she kept on about a contract. I have been a XXXX for over XXXX yrs ... ..I know full well and good when I have gotten involved with a contract and there is no contract. I told her I want my {$17.00} back and the account closed and she started to tell me some of the features. I already have fraud protection elsewhere-to cancel and refund or I would escalate this situation. Only then did she say she would close it but it was already paid for so no refund. I explained I would dispute with my bank. This is a credit reporting agency ... ... ... conducting fraud. I know the difference, I have seen it XXXX of times. Something needs to be done - this is inconceivable, who are we supposed to trust? This is a public violation of trust and has to be in violation of credit regulations. Please confirm this account is closed and this does not happen to anyone else. Thank you.
I opened a secured card with Capital One, with the benefit of knowing my credit line would increase after 5 months as stated on their website. I made my 5 payments. One payment was late, they reversed the late fee which made me believe the late payment was forgiven and should not be held against me. In XXXX or XXXX I submitted a payment on my due date, but Capital One did not process it until the next day. I met my obligation by making the payment on the due date Capital One chose not to accept it then and therefore making me ineligible for the credit line increase. Upon inquiring about the 5 monthly payments and credit increase I was told my account did not qualify because of the payments. Had the only late payment been in XXXX ( which had the late payment fee reversed ) my account would qualify for the credit line increase in 10 months not 5. This was never told to me or explained. Even the representatives with Capital One had to do research to provide explanation. Now I am stuck with a card that will not receive credit line increase because as stated in Capital One letter secured cards do not qualify for an unsecured credit line increase. This is like a bait and switch. Had these policies been explained in the beginning or even after the first payment this situation would be much different.
I have XXXX student loans with Chase. The monthly payment was around {$500.00}. I made a lump sum payment on XXXX of the loans. I did not request that my monthly deduction/payment be reduced. Chase automatically reduced my monthly deduction/payment from my checking account without my consent and I ( and may be others ) are now having to bear a higher interest cost as a result. The servicer will not increase my amount back up without submitting a signed request. Seems unfair that the reduction in paying towards principal happens automatically but restoring it back to the higher amount so that more is paid against the principal is harder.
In XXXX of this year, I tried to sign on to my Amazon.com store card account. I had never had problems before. A year prior to this, I voluntarily closed my account to further purchases but I never had problems signing in to pay my account. So in XXXX, I tried to log on and got the message : " We are unable to perform the operation requested. Please click the " Back '' button and try again. ". I call and talk to supervisors ; i try the chat ( but that is useless ). It 's an online account and very difficult to access your own account number. They charged me late fees and said they reversed them BUT I could n't tell because I could n't log in. Their tech support says they will help, but they are suspicious because the site says THAT I DID LOG IN!!! It was counting my unsuccessful attempts as successful log ins!! Today, I called, and a VERY SNOTTY, UNPROFESSIONAL, AND RUDE supervisor refused to give me a reason as to why I was NOT ALLOWED to log in to my own account. HOWEVER - I have since discovered that I can log on to their mobile app - AT LEAST I can see they have n't refunded me the {$70.00} late fee. I 'm sure when they discover I can access it on the mobile site, they 'll shut me out of that too. 
I have wasted valuable time trying to access the account. I would like to sue them and I think I have a great case. They also do n't give customers an Auto-Pay option like every other credit card. Synchrony - formerly GE Bank - is THE WORST CREDIT CARD COMPANY OUT THERE. DO NOT apply for XXXX of their cards. Every card I have every had with them has had problems ; none of my other cards do and if they do, the problem is solved efficiently and professionally. PLEASE DO NOT APPLY FOR A CARD. These crooks need to be shut down. Consumers do n't deserve this abuse, so let 's not give them the opportunity.
On XX/XX/XXXX I submitted an online refinance application to XXXX XXXX, Loan Officer, NMLS # XXXX, with Southern Star Capital, LLC, dba Reliance Mortgage. 
On XX/XX/XXXX I had a telephone conversation with XXXX XXXX at Reliance. He requested additional information, which I forwarded that day, and he told me he would have an answer by Monday, XX/XX/XXXX. 
I did not get a response so I called XXXX XXXX on XX/XX/XXXX, and left a message requesting a call back. I also emailed XXXX XXXX that same day requesting information. 
On XX/XX/XXXX I had still not received an answer so I sent another email to XXXX XXXX. 
To date, XX/XX/XXXX, I have still not received any response from anyone at Reliance Mortgage
On XX/XX/2016 my home was sold unlawfully at a Sheriff 's sale by HSBC Bank USA , National Association, as Indenture Trustee, of the XXXX Securitization Trust XXXX Callable Mortgage-Backed Notes, Series XXXX The foreclosure sale was illegally authorized by HSBC Bank USA and XXXX before the loss mitigation process was completed. Employees of XXXX have admitted verbally that there is no proof that the foreclosure should have taken place since the loss mitigation process was not completed. I was assigned a single point of contact ( SPOC ) at XXXX to manage the loss mitigation process since I was unemployed and recently started my own company to earn income to support a loan modification plan. Prior to the sale of the home, XXXX assigned a new SPOC, but the home was sold prior to initiating a discussion with this person. I submitted all required information to XXXX to support the loss mitigation process and was told that I would be informed of the decision. This was never done. To date, no decision was reached regarding the loss mitigation evaluation process and I told that the loss mitigation request was in review and no decision was made. Prior to the sale of the home, the lender, HSBC, was working with a local law firm to sell the home and kept issuing new documents that the foreclosure sale would occur on a particular date while the customer service division of XXXX was working with me on a loss mitigation plan to avoid the foreclosure sale. I believe this process is called " dual tracking '' and is illegal.
Cab Collection Agency placed a charge on my credit report after sending me one notice. I then called XXXX ( who forwarded the information to Cab prematurely ) making payment arrangements and making sure insurance information was correct. XXXX said they would take it out of collections and bill it properly. They did not contact the collection agency about the payments I was making and they did not bill the correct insurance provider which led to it being sent to collections in the first place. And when I brought this up to Cab they stated that they could only remove it from my credit report if XXXX tells them to or if I fully paid the account. Cab should have also done due diligence to ensure that the accounts they receive are only sent after the company has not had success with the patient. I was doing my part and they should n't have been so quick to send it to collections without verifying the debt, communications with the patient, etc. Cab Collection Agency also should have had the " please see the reverse side for an important consumer notice '' at the bottom instead the middle of the page to prevent the right to dispute information being overlooked.
I received a check for amount of {$6000.00} from   XXXX   XXXX   XXXX   XXXX   XXXX   .   XXXX   XXXX  do their banking with   XXXX   XXXX  . Check was made to me (  XXXX   XXXX  ). So i signed back of check and ask my wife to deposit it, few days later i check my account and did not see a deposit posted yet so i asked my wife if she deposit the check. Finally we found out the she lost the check.     I contacted  XXXX   XXXX  ask them to stop the check and send me another check but they told me that the check has been cashed at : *Well s Fargo Bank in Arizona ( I live in Georgia ) *Cash ed o n  X/X/2016     *Routing # :  XXXX  *Seq # :  XXXX .      Teller w ho cashed the check, did not get any identification for check cashing and there is no information of who cashed the check.     I have talked to  XXXX   XXXX ,   XXXX   XXXX   and  Wells Fargo B ank several times but they have not help me so far. It is been almost 9 months and i have not helped yet. Please help me to solve this matter and get my {$6000.00} back Contact at  XXXX   XXXX  :  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX , Ga.  XXXX   XXXX
I started repaying my federal student loans on  XXXX / XXXX / XXXX  and signed up for th e Public Student Loan Forgiveness program shortly after that came out. I asked my loan service venders & PSLF p rogram on more than a dozen occasions, dates would be documented in their records of call history, if I was doing everything right to be qualified to have my loans forgiven in 10 years as PSLF program requires. I asked if I was in the right forgiveness program plan which I was told each time, yes. In  XXXX , when I double checked with PSLF program and my federal loan service vendors what the date was my federal loans would be forgiven, they stated that from  XXXX , I was not making payments under the correct repayment plan to qualify for PSLF program. I made approximately 6 years of on time payments under a repayment plan that did not even qualify for forgiveness when I was told i was doing everything correctly. That is approximately  72  payments. Thousands of dollars later, and in  XXXX , i immediately switched to an income contingent repayment plan and have been submitting annual renewal paperwork and making on time payments under this plan. I feel I was misguided and cheated out of thousands of dollars. I can barely afford to live being a single income dependent person, struggling with so much student loan debt, that I 'm not sure what else I can do to get out of this financial hardship. If I would 've been informed correctly, I would be having my loans forgiven. Please help and guide me in what i need to do.
I am missing the following payments regarding my VA mortgage loan as well attaching screenshot regarding XXXX  once again has inaccurate information that my property has recently been in a natural disaster within the past week. I have again contacted FEMA and my homeowner 's insurance company in which they stated should not have been submitted because this is false information. They are now as well both involved since this continues showing up by the person behind the computer screen at your company intentionally adding this after each CFPB complaint that I file. 
The following months are missing on my credit report in which I have the signed and cash checks by your company : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX. 
I was told via tape conversations you may want to pull through your company that after forbearance. All payments would be submitted that are missing for the year XXXX. You now tell me that if you submit the payments you will mark them as late however I was not told they will be marked as late since XXXX XXXX misguided me at the beginning of this entire process. How am I to do as Mr XXXX stated refinance my home when my personal bank XXXX XXXX needs to show that my credit report matches the payment history you submitted to me via email late last week there are missing payments 13 as of today with the credit bureaus.

On one bureau report there are payments that were being reported during the forbearance. Yet on another Bureau report there are not. Regardless natural disaster is a false report an allegation that needs to be removed immediately off of XXXX   and any other Bureau at the person behind the computer screen submitted the report. I also need missing payments reported and I'm not talkin late payments because I have been miss guided through this entire process while your representative Mr. XXXX almost 18 months ago. It was your company that was an admittance that Mr. XXXX misguided me and remove me from forbearance I'm making my last payment and removing forbearance from the loan.
Capital One Auto Finance is not updated my account with the 3 Credit  Bureaus since XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX payment has not been updated as paid and current
XXXX  will not remove old deragotory information from my credit report. It is mor e than ten years old. The statute of limitations has expired.
I submitted a request to Transunion Credit bureau on XXXX/XXXX/XXXX to remove an item that was far too old to still be reported on my credit report. This was the second request for the same issue. I adhered to the payment contract for XXXX XXXX and the account had a zero balance. This information has been reported on my account for over XXXX years. The most recent investigation from Transunion has said that according to their investigation the account is active and current and will continue to remain on my credit report. This is not legal and does not adhere the fair debt collection act. I want this credit bureau to stop breaking the law and remove this from my credit report. This has been reported shortly before XXXX XXXX.
I have requested 5 times that Navient not call my home or my cell phone. I am receiving at least 10 calls a day at all times on both numbers. When I do answer, it is usually an automated system.
PayPal calls every two days with the same exact script, contending they have no record of calling more than once a week. When I answer, they usually will wait 5-10 minutes before actually speaking and never listen to the info I share or have any knowledge of the online message center information I have shared while past due.
My mom 's dog got sick she needed an emergency office visit but did n't have money so I go the XXXX XXXX hospital and apply for a Wells Fargo care credit card. My mom and I agreed that I 'd pay for the initial visit. However I never told the office that was the agreement. They never confirmed or stated that I would be the one paying. So I leave, my mom takes the dog in later. Picks him up the next day. I get this XXXX $ charge to my account so I ask her she 's like I signed an invoice for me not you they got the payment mixed up so I dispute it with Wells Fargo but they said no its acceptable because I signed up for the card the same day even though my name is n't on the invoice and the signature does n't match mine.
Student loans were consolidated with XXXX XXXX, at which time a graduate payment schedule was set up. The servicing of the loans was transferred to XXXX XXXX and then to AES ( current servicer ). AES 're-disclosed ' ( AES term ) my loans, which changed the originally agreed payment schedule. This change made by AES ultimately extends the term period and charges more interest than agreed with XXXX XXXX. On XX/XX/2017, I contacted AES and filed a compliant, explaining that this is a violation of UDAAP and possibly Reg Z. I was told I would hear back in XXXX business days. On XX/XX/XXXX, I received no correspondence from AES so I placed another call. I spoke with XXXX different levels of Customer Service Rep. and they all told me there was nothing they could do, because their system was unable to accommodate the initial payment schedule.
I am a victim of ID Theft and I have been watching my credit file, I was so surprised to see that there are over XXXX inquiries from American Express. I had to file a police report and I contacted American Express. They do not appear to be very concerned and told me it appears that these inquiries are probably fraud.
I had a Mortgage with Greentree mortgage and then it became Ditec LLC They have raised my escrow for no good reason since my taxes have gone down. It also do n't make sense because two months before they raised my payments they sent me money because there was too much money in my escrow. This lender has a bad track record of being honest.
I was notified on XXXX/XXXX/XXXX by the website that Equifax set up that I was potentially compromised in their recent security breach. I have not enrolled in their ID monitoring service.