WillisBack/dataset-financial-user-claim huggingface dataset:
American Education Services is scamming XXXX of Americans out of their hard earned money. First let me say that none of my student loans were ever explained to me by my financial aid offices at the University XXXX at XXXX, University XXXX at XXXX, University XXXX XXXX or XXXX XXXX University. I was told that these were the only means of financing my education and that everyone had loans because the loan repayments were so easy and the cost to borrow the money was so cheap. Now I am riddled with student loan debt I do not understand. My federal loans seem to work just fine, I have set them up on automatic payments and I can see each month that the principal is reduced. My private loans, XXXX from AES specifically, are a much different story. AES has returned my payments on several occasions XXXX weeks after the payment was made and told me that my checking account does not exist just so that they can charge me a late fee, I resubmitted the same information about my account to them and the payments was processed without any issues but with the added late fee. My principal balance is XXXX times the amount that I borrowed XXXX years ago and they are applying 100 % of my payments to interest only despite that fact that I am not on an interest only repayment plan. I sent them a message through their email service in XXXX asking them why this was happening and I was told that I had made my last interest only payment that month ( extremely convenient ) and that my future payments would go towards my principal but alas even today my payments are being applied only to interest on my loans which never seems to go down. I took out approximately {$44000.00} from them around 8 years ago and today my balance is over {$65000.00} despite me paying over {$500.00} a month. In addition they purchased my loan from XXXX and despite paying nearly {$900.00} this year on that loan only {$110.00} has been applied to the principal. At this rate I will never pay off these loans, I will have a payment for the rest of my life. There is no light at the end of the tunnel with this company, they are not honest or they are incompetent but either way they need to be stopped. Knowing that I will never stop paying them as long as I live and knowing that because of the federal protection this bank receives on their private student loans I will not be able to rid myself of this bad debt in my lifetime, I am hopeless. I will spend the rest of my life handing over {$6000.00} a year ( that means I have to make {$12000.00} just to pay them off ) to an immoral company who is being protected by the same government who already takes a XXXX of every dollar I make. You have created this website to give people a voice and I suspect that this is all this website is intended to do by letting people write down their terrible experiences and feel like they have been heard. I am submitting this assuming that nothing will ever be done to this company and that should let you know how desperate I am.
Dear Representative, I 'm writing to dispute the American Education Systems ' ( AES ) entries on my credit report on account XXXX. This account was opened to finance my college education. I received the loan XX/XX/XXXX. After receiving the loan and making all installment payments in full and on-time for the entire history of loan repayment ( over three years XX/XX/XXXX ), my loan suddenly went into default because the loan servicer claimed that I had filed for bankruptcy. I found out later that my mother and co-signer on this loan had filed for bankruptcy without my knowledge and AES had automatically defaulted my loan without providing me with notification or an option to payoff. 

My co-signer 's filing had no bearing on my ability to pay my loan. I could have paid off the loan in full had this been an option. Since my co-signer filed for Chapter XXXX bankruptcy, I should have been given loan payoff as option. Instead, it took months of my own effort to contact AES customer service and National Collegiate Trust ( original lender ) seeking information about what happened with my loan and how I could continue to pay it. 

I eventually found out they sold it to XXXX, which is where I am now sending the monthly installments. To date, I am current on all payments. I am still being reported as having defaulted on my loan payments since XX/XX/XXXX, even though I am continuing to send monthly installments to the new loan servicer. 

AES reports their automatic default action as a " Charge Off '' on my account and this negative information is now affecting my ability to obtain good interest rates on a mortgage. AES customer service has misinformed me that the credit reporting agencies ( XXXX, XXXX, XXXX ) are the only ones who can remove this information. After filing a dispute with these agencies, I am informed by these credit agencies that the deletion of the negative information needs to come from AES. AES has also told me that they can not remove the negative information due to the Fair Credit Reporting Act ( FCRA ) - even though this act is intended to protect consumers from unfair credit reporting, not punish responsible borrowers such as myself. 

I have a proven track record of on-time, paid-in-full monthly installment payments in the years preceding and following the recorded default caused by my mother 's bankruptcy. I have records of all of my payment history available if needed. AES has violated the notification requirements of the FCRA and repeatedly provided me with false or misleading information about my account and their ability to resolve it. AES has turned a good loan bad with their irresponsible charge off of this account and I am being penalized for their actions despite proving myself to be a responsible borrower. 

I request CFPB require AES to immediately remove the negative information from my credit report for account associated with XXXX. 

Thank you.
1. I paid {$270.00} for seat selection on XXXX XXXX. However, I did not receive {$200.00} reimbursement benefit as shown on my card.

2. I have spent {$5000.00} within 2 months after subtracting all refunds and annual fee. But I XXXX took my signup bonus away without any reason.
closed XXXX/XXXX/15, deed and mortgage still not recorded. 
contacted ALTI SOURCE to find out why, no response.
Equifax failed to protect some of my most personal/sensitive information with their recent mass-leakage. A company like this should be held to the highest of standards when it comes to data security. This type of leakage is just plain unacceptable -- it should *never* happen with a company like this. Now, I will have to commit hours of my own personal time to mitigate my own risk and I definitely lose sleep over this.
I previously submitted two complaints regarding Wells Fargo Home Mortgage. I disputed the bank 's non-response and can not append to them. XXXX / XXXX The bank has obscured and redirected the complaint at me in their response. 
The bank XX/XX/XXXX sent some sort of financial statement in teeny tiny print it is impossible to read. I do n't know what it is. I have previously filed a complaint about this. They refuse to send information in a normal size type. They do n't want customers to be able to read so they can get away with whatever they are trying to do. 
In the XX/XX/XXXX letter, the bank apparently claims The Federal Court Bankruptcy Trustee did not make the regular payment per my Chapter XXXX filing in XX/XX/XXXX. I paid the Trustee. I have the Court records. 
Trustee an I have made all the payments to date. The bank WRONGLY shows escrow payments were not made when in fact, the payments were made and the escrow was paid. 
The bank has still not answered why, if there is a SHORTAGE as they claim, why did my payment DECREASE. 
The bank has used redirects, deflections, falsehoods, and repeatedly sent unreadable pages to pretend they are responding when in fact, they are not. 
The bank claims they have made no errors. Yet the facts contradict this claim. 

The bank has decided without my knowledge, my consent, my participation OR ANY NOTICE OF ANY SORT WHATSOEVER to apply regular monthly payments I have made to principal curtailment. I DID NOT CONSENT TO THAT, DID NOT ASK FOR IT, WAS NOT NOTIFIED OF IT, AND I DO N'T WANT IT. 
They are cheating me by re purposing my payments. 
If I mange to pay a month or two in advance for a payment so I do n't have to worry about it later, that is my choice. I should have control over how MY payments are applied to MY account. I do n't want to have to worry about making payments every month -- so I paid a little ahead. Now the bank is telling me they wo n't allow me to pay ahead, they are going to do whatever they want WITHOUT ANY NOTICE OF ANY KIND with my money. 
The bank wants me to be on the edge. They want me to make late payments so they can collect late fees or try to take my home. 
The bank is playing a financial shell game with my mortgage. They have taken away any control I have over what they are doing with my payments, my escrow -- next they will be claiming that I did n't make the payments they " reallocated '' and I have to start making triple payments to catch up.
In XX/XX/2018, I paid Citibank the full amount owed on my account and they submitted to the credit bureaus that I paid a settlement amount. That is completely false. I am extremely disappointed that that this inaccurate information was included in my file. 

Debt is owned by Citibank. 

Credit Card : Bloomingdale 's XXXX
I have sent multiple letters to Transunion, XXXX  and XXXX  requesting that they properly verify and conduct a reasonable investigation of a erroneous reported account on my credit report. They have stated that it was updated, but I have not received anything that proves there was an investigation and that the report is accurate. I also requested validation from XXXX XXXX, and they failed to properly validate the disputed late payments. 

XXXX XXXX XXXX XXXX Account # XXXX erroneously reported 30 days late in XX/XX/2018, 60 days late XX/XX/2018 and 60 days late in XX/XX/2018. These payments were made on time and were erroneously reported late due to carryover fees after the account had been paid to a XXXX balance. I called and discussed this error with XXXX XXXX XXXX services and was told on several occasions that the errors reporting would be reversed with the credit bureaus. I was told that this information was on a recorded line and would be made available for confirmation. I have followed up with XXXX XXXX XXXX XXXX and they have not done what was promised via the phone conversations.
There are two derogatory reports showing on my credit report under Transunion and I tried to contact them to correct it. I did it through their website and I opened an account which they required. Every time I tried to log in to their dispute, this is what I am getting this error message " We are experiencing technical difficulties ''. And what were showing on their URL link is this XXXX XXXX XXXX Transunion keep sending me an email to pay a yearly fee for my credit report. It seems to me that they will not allow me to dispute the claims online unless I pay them a yearly fee. Both of those derogatory remarks on my credit are settled and paid. 

XXXX - reported XX/XX/2018 XXXX - reported XX/XX/2018 My credit score is way down because of those two derogatory marks from Transunion, and I would like to request your assistance to get this clear. Transunion is not cooperating.
Howdy. I check one of my three credit reports every four months. For, I'd guess, the last six or eight years, Every. XXXX. Time. I try to get my report from Experian, I get a message like " A condition exists that prevents Experian from being able to accept your request at this time. '' I've never had any trouble whatsoever with either of the other two companies. To be fair, the one time I requested my report via snail-mail, Experian did send it, but I want to avoid the trouble and expense of snail-mail. 

It's hard for me to believe that Experian is acting in good faith. Please kick them. Hard and repeatedly. 

Thank you.
I received a call from Windham Professionals looking for someone who I have no knowlege of, and is not affiliated with my phone number. The call was received at XXXX XXXX Pacific Time on XXXX XXXX, 2015.
XX/XX/XXXX, a false report showed up on my account under the company name of " Syncb ''. The details included in said claim falsely reported that I had a credit card open with this " bank ''. I've never opened a credit card account with any bank, so as one would assume, this came as a shock to me. I did some research on this company. Coming to find out that I've not been the only person to have this issue with the same company party reporting false claims on the credit reports of other people. On XX/XX/XXXX, I finally contacted the CFPB by telephone and left my contact information with them after explaining that I'm looking to have the claim removed. I then took the initiative to file my complaint online, after it being explained to me as the quickest way to have the claim disputed.
We are XXXX and XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, CT  XXXX. For about 20 years, my wife has had an adjustable rate mortgage on this house, first with XXXX XXXX and, since the fall of XX/XX/2016, with PHH Mortgage Services ( XXXX XXXX XXXX, XXXX. XXXX, NJ  XXXX, tel : XXXX ). During all this time, the house and mortgage were under my wife 's former name : XXXX XXXX XXXX. Any discussions regarding the mortgage could only be undertaken by her, despite our having married in XXXX. 

XXXX and I entered into a 30-year fixed-term mortgage with XXXX XXXX XXXX XXXX in XXXX XXXX on XX/XX/XXXX, with mortgage and title in both of our names. We terminated my wife 's old mortgage ( loan # XXXX ) at that time. All the necessary fees and closing costs were paid out at that time. PHH Morgage Services paid XXXX XXXX {$6100.00} in property taxes on my wife 's behalf in XX/XX/XXXX. They paid us a balance of {$1400.00} out of the escrow account held in XXXX XXXX XXXX name early in XX/XX/XXXX..I have not yet cashed their check for {$1400.00}. 

The error occurred when we discovered from our tax accountant and from the XXXX XXXX Tax Collector   that a double payment of of an extra {$6100.00} was paid to XXXX XXXX in error. The second property tax payment is not due until XXXX of this year. My wife has made numerous phone calls to PHH so that we can receive this over-payment of {$6100.00}. The conversations have been extremely difficult ; the people at PHH do not want to acknowledge and quickly correct the error. Their attitude is ignorance, as if they are hearing about our problem for the first time. They have subjected us to endless delays, and we have no confidence in their willingness to refund us our money. any time soon. 

Thank you very much for interceding with PHH Mortgage Services on our behalf so that we can obtain prompt and full satisfaction in this matter. 

Most sincerely yours, XXXX and XXXX XXXX cell : XXXX e-mail : XXXX XXXX
I have exhausted myself at all levels trying to get an inaccurate collections off my credit that is causing me denials for loans. To start, I have only 2 open student loans with, XXXX XXXX. However, I have to complaints that needs to be addressed ; First, XXXX which does not have possession of my loan is still being reported in a derogatory manner and the same loan is now with XXXX too. Creditors are seeing a total of 4 loans when there is only 2 because they have different account numbers. 
I request that XXXX remove the negative information thats being reported because again my loans are with XXXX and in good standings and not due until XXXX 2018. 

Second issue is that XXXX XXXX have a status on my report that says, Student loan assigned to government which my lenders views as a negative situation where as Im in financial trouble with the government and this is so misleading. I want that comment removed and my account showing current as it should.
On XX/XX/2018 I tried to make deposit at Citibank ATM at XXXX XXXX XXXX, NY, XXXX. 
Unfortunately I got error message and ATM caught my two checks ( one on {$1200.00}, second on {$1000.00} ) without any deposit on my account. Same day i called customer service and asked about investigation and provisional credit. Two weeks later I got {$2200.00} deposit ( provisional credit ) from Citibank. After two months constant calling to customer service and asking what is status of investigation they told me they can not find second check ( on {$1000.00} ) and they will close the case. I requested to reopen the case and investigate it once again. Three weeks later i received letter they didn't find a check on {$940.00}?????!!. I have no clue from where they got this amount but it wasn't from me, neither from real checks. I called once again a Citibank customer service asked what happened with investigators and investigation, why they are looking for check which doesn't exists. More over I was telling them from beginning how many checks and what is amount of the checks. There was no apology or any intention to resolve a problem. Citibank feels like king. They don't care about customers at all. 
Thank you,
At approximately XXXX on Wednesday, XXXX XXXX, I received a phone call from US Bank. I do not remember the representative 's name. I was however, only verified with the last XXXX digits of my social security number and nothing else. He proceeded to tell me that he was calling because he was showing that my car payment was past due, and that the payment was due on the XXXX of XXXX. I was NEVER read a mini-miranda statement before this conversation happened. I let this representative know that the reasoning behind this payment not being made on the XXXX is because I called US bank on XXXX/XXXX/2015 at approximately XXXX, and spoke with a representative whose name was XXXX, and she changed my due date to the XXXX. That I was told that it would take approximately XXXX days for this payment date to process within their system. I asked XXXX is I would receive a new statement, and was told that I could just mark the XXXX off of my current statement and write in the XXXX. He stated that their system does show that my due date is the XXXX but for the next billing cycle, and if I do n't pay my payment by the XXXX that I would receive a late payment charge on my account. I told him that I was told to pay on the XXXX of XXXX, so I do n't want to make a payment today, because I was told that the due date is the XXXX. He then proceeded to tell me that I should definelty dispute this, meaning that I should call them back to dispute this. I told him that he called me, that I wanted to speak with his manager in regards to disputing this information. The representative came back on the phone and stated that I would need to speak with the customer service manager in regards to this dispute because his manager would not be able to help me. I was then transfered to XXXX. XXXX told me the same thing that the previous representative told me. I let him know that I would be contacting the CFPB in regards to this, because this is a UDAAP issue. I will not be making my payment to US Bank until the XXXX because that was the date that their repesentative stated that my payment was due.
It has only been a few years since XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX ; and XXXX XXXX agreed to not conduct any further fraud upon the public. Seven months ago our credit card was ordered to be closed and the balance was paid, in full as agreed upon. However, in XX/XX/XXXX of this year XXXX XXXX XXXX began billing on the behalf of XXXX XXXX and XXXX XXXX XXXX XXXX XXXX for a renewal fee. I was out of the country and did not see the four months of billings with finance charges in our mail. XXXX XXXX was immediately contact and ordered to withdraw any negative reports to all three credit bureaus ; immediately cancel any further billing and finance charges on a card that was no long open and useable ; immediately send a letter of apology from all three corporate offices. The only order completed was the discontinued billing and removal of any charges. The company continued to report adverse credit to all three agencies. XXXX XXXX has on occasion refused to answer phone calls transferred to a supervisor. We feel these companies should be prosecuted criminally. Be advised we did not authorize electronic billing at any time. Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX Last four numbers on the account : XXXX
Have a first and second loan with HSBC. 
( Beneficial Finance ) After we requested payoff amounts on loans. HSBC realized the second had come to term a year ago. Then sent us paperwork to resign the loan at 14 %. 
But on our statements it shows 8 % and has been at 8 % for 13 year. HSBC said " On there computer we are being charged 19.90 % ''. Have been sending payments in. And they send them back. We have sent faxes and called for 10 weeks or more trying to get information on what we really owed. Loan started at {$17000.00}. After paying {$220.00} a month on it for 16 years. HSBC claims there is a balance of {$14000.00}. On the XXXX of this month. It will be 4 months that HSBC has been refusing payments from us. We assume they are stalling at sending us the full payment history for life of loan. 
Also have problem with first loan. 
Loan started at XXXX after paying on loan for 16 years. HSBC gave us a payoff amount of XXXX. Payment breakdown on statement always has money missing, or says it unappliedunapplied. Please help us.
XX/XX/XXXX, GM Financial, received a check for the pay off for my vehicle. Stated that they needed 48 hours to process a pay-off letter after the check cleared the bank. Let them know that I needed this letter just as soon as possible as I am trying to purchase a home and my mortgage broker needs it. A week passes by and I call to get said letter. Stated I would have it in 2 hours. Call that evening, stated that I was told wrong and they needed another 48 hours. Call daily for the next week with the same story. Then I am told that they can not send me a letter via email ( I was never told this they kept telling me they would email it over ) because the loan had been closed out. We play phone tag for another week as I am waiting for them to send me said letter via fax. Yesterday, XX/XX/XXXX, I called and was told that every one of those requests were DENIED because I had to wait 30 days until the check was past the timing that a check holder could cancel the check. Stated that on XX/XX/XXXX I would be able to get the letter. I called XX/XX/XXXX and they stated that they were now waiting on title paperwork on this vehicle. 

My point is, this is the absolute WORST customer service. No one knows their regulations, rules or what-have-you. This is the biggest disaster I have ever seen in my life and if I had done my research before I accepted a loan with GM Financial- I  would have ran.