WillisBack/dataset-financial-user-claim huggingface dataset:
First off I am not very good on computers nor dealing with online situations. My sister is helping me file this complaint with you. 
XX/XX/XXXX - I applied for a loan through Rise Credit for {$2000.00}. My son actually found the website for Rise and completed 95 % of the Rise Application for me but I was sitting with him while completed the online application. 
Once submitted, Rise came back and said would let me know if I was approved for the loan. 
I then forgot all about it and several days later when reviewing my checking account I found that they had already placed {$2000.00} into my account.I was not sent nor given the details of the loan ie ... the interest rate of 238.36 % for the loan until after the money was placed into my account. I would have rejected/not accepted the loan if I had realized it was a 238.36 % interest rate. They set up ACH installment payments of {$410.00} a month which I can not afford. I did not give the loan much thought until after XXXX and I had used all of the money for XXXX and bills. On XX/XX/XXXX the first payment was pulled from my checking account {$410.00}. I thought the payment would be {$220.00} for the month at most. I did not realize it was {$220.00} biweekly if I chose a biweekly payment. When they took {$410.00} out of my checking, I called them to discuss the loan and terms of loan repayment. They said the best they could do is split the payment in half and have me pay twice a month. 
I am on Social Security XXXX ( Fixed income ) with limited resources. I would NEVER have agreed to a 238.36 % interest rate nor payments of {$410.00} a month. I can't afford this. I can't believe that this is legal-this is more like loan sharking and preying on people who are not able to defend themselves. I am more than willing to pay the {$2000.00} back at a reasonable interest rate and reasonable monthly payments of {$200.00} a month ( ie ... a credit card rate for people with limited resources perhaps 25-28 %? ) not 238.36 % how can this even be legal? 
I need your help.
I purchased a cell phone from XXXX XXXX In 2015. I believe the # was XXXX. At the time of the purchase the sales rep offered to switch the apps from my current phone to the new phone for me. I never even took the phone out of the box. Three days later I returned the unused phone. I was charged a bunch of fees for returning it but thought the transaction was finished. Approximately XXXX months later I received a bill for approximately {$88.00} I called and spoke to a supervisor after I told her it was the sales person who put the apps into the phone and I never actually used the phone I was told this charge was cancelled. This happened three separate times with XXXX different supervisors assuring me this was no longer owed. Now I have Diversified Consultants calling to collect this debt that I do n't owe. I 've tried to contact XXXX XXXX again and they said because it 's been turned over to a collection agency it 's out of their hands. I 'm registered on the do not call list and I 'm ready to call the news media. This just is n't right. Can you please advise? 
Thank you for any help you can offer. 
Regards, XXXX XXXX
Repeatedly receiving robo calls from company I 've never done business with for debts I most definitely do not owe.
I am set up to pay a set amount for my loans every month to Nelnet, my loan servicer. This amount is autodebited. A few months ago, I decided to pay an extra {$1400.00} at my loan on top of my usual monthly amount. On Nelnet 's website, I specifically chose to direct the full amount of this extra payment to Loan XXXX, which has the highest interest rate. I also specifically chose the option to NOT have this extra payment postpone my regular monthly due date for the loan. 

However, Nelnet ignored everything. While they put the {$1400.00} toward Loan XXXX, they stopped paying off Loan XXXX for the following months. Meaning that my scheduled monthly payments now only went to Loans XXXX and XXXX This made me accrue {$300.00} in extra interest to Loan XXXX AND ultimately it did not allow me to lower the principle on that loan as I had stated/intended when I paid the extra amount. 

The Nelnet customer service rep I spoke with said that Nelnet wanted to realign all of my monthly payment due dates given my extra payment. However, as I had already told Nelnet, all of that extra money should be given on TOP of the monthly payments, so it should not have changed anything with my due dates. This is a sketchy and dishonest strategy by NelNet to make sure that all loans end at the same time ( which is exactly what I was trying to avoid .... I wanted to pay off my loans in less than 10 years! ) so that they maximize the amount of interest they collect. 

I totally understand that the loan servicer needs to make money to stay in business, but they should not be allowed to ignore direct customer requests/specifications about payments in doing so. This dishonest business practice should not be tolerated by the CFPB.
In XXXX I completed my XXXX XXXX XXXX and in XXXX I completed my XXXX XXXX XXXX from XXXX University. In XXXX my husband and I were forced to file bankruptcy due to insurmountable amount of medical bills. 

Since this time, I have been diagnosed with an XXXX which has also caused several other sometimes XXXX conditions. Since XXXX I have had eight XXXX. 

It is very much a hardship on me to maintain daily living expenses, care for a family which consist of my husband and our XXXX year old son, pay medical bills and pay over XXXX XXXX XXXX ( {$400.00} ) a month in student loans. 

Navient has called my father, ( co-signer for private loan ) and I several times with what seems like no understanding, demanding a payment be made. In XXXX XXXX my Grandmother was in the XXXX in XXXX, Georgia. My father received a call from a Navient representative, he explained the situation with my Grandmother and they were persistent in wanting more details about which form of payment he would be using and when a payment could be made. My Father hung up the phone due to the attitude and demanding payment information. My Grandmother passed away the next day due to a XXXX. 

Please consider this very challenging hardship. 

Thank-you for your time and consideration. Should you have any further questions or need any additional information, please do not hesitate to contact me.
XXXX XXXX, at XXXX I received a phone call from a man who stated his name was XXXX ( no last name ) and that he was with United Collection Bureau. He was rude, abrasive and continued to cut me off in the middle of my sentences. He was calling in reference to my Husband alleged account. My Husband 's name is XXXX XXXX ( there are over XXXX in our area alone ) so I informed XXXX that I would confirm last XXXX of social or date of birth if it was the correct person as we have had some identity issues lately. XXXX than told me that he would just call my Husbands employer and terminated the call. 

This behavior is not professional in the least. I have the recording of the call and did inform XXXX at the start of the call that I would be recording.
Trans world systems. This company has been calling for over 2 years and overtime I have asked to remove me they state that it will take 24 hours and call me right back the same day and the day after. They call every day even after i called for a week straight to request to be taken off and they say the same thing. They are calling asking for a person we do n't know.
This complaint is to inform the CFPB that Wells Fargo lied in a email inquiry sent from the U.S Treasury. The following is a copy of the email inquiry which Wells Fargo confirmed the complaint was Valid & Accurate. Wells Fargo also Accepts responsibility and admits liability. Wells Fargo also offers 2 resolutions to resolve the complaint in response to the Treasury 's question of " provide recommendation for resolution '' Neither of which Wells Fargo pursued. instead the foreclosed on my home. 
I ALSO HAVE & OTHER EMAILS FROM WELLS FARGO YOU WOULD LOVE TO SEE " Associated Risk : ( Provide facts and/or customer statements regarding their situation that may pose a risk to Wells Fargo. ) We quoted terms at the time of the TPP approval on XX/XX/XXXX. Indicated these would be the terms of their modification. When the permanent HAMP Mod was approved the terms were drastically different due to the investor restrictions and length of time it took between the TPP and Perm Mod. 

Timeline Highlights : ( Most important, relevant events from timeline which are essential to resolution and response. Use Timeline on page 5. ) Approved HAMP TPP on XX/XX/XXXX Quoted terms to customer. Indicated terms were set Title issues completed XX/XX/XXXX Approved HAMP Mod on XX/XX/XXXX Drastically different terms than previously quoted Recommendation : ( Provide your recommendation for resolution, including but not limited to SPOC engagement and decision review ).

Buy down principal Repurchase the loan so we can approve a mod with similar or better terms than quoted. 
Already assigned OOP SPOC '' Also please take notice of the following which CONTRADICTS Wells Fargo response to the US Treasury DOCUMENT 70 from the  below case. 
Federal case number Case 6:16-cv-01919-CEM-GJK DEFENDANT WELLS FARGO BANK, N.A.S MOTION FOR SUMMARY JUDGMENT AND INCORPORATED MEMORANDUM OF LAW iii. Count V Fails To State a Claim For Negligent Mortgage Servicing " Even if Plaintiff could establish a legal duty, which Wells Fargo denies, the undisputed evidence is clear that Wells Fargo properly handled his Fourth and Sixth Modification Applications. Specifically, Plaintiff contends that Wells Fargo offered Plaintiff three different and contradictory loan modifications : ( 1 ) an Original HAMP Modification ( see Sec. Am. Complaint at 30 ) ; ( 2 ) an Oral Modification ( see Sec. Am. Compl. at 31 ) ; and ( 3 ) a Non-GSE HAMP Modification ( see Sec. Am. Compl. at 39 ). As was made clear during his deposition, Wells Fargo offered only one loan modification to Plaintiff the Non-GSE HAMP Modification.
Navies tried to collect on payment while u was attending school. Once they got proof of me being in school they moved forward with a deferment, however they did n't retro the deferment leaving late payments on my credit.
On XXXX XXXX I deposited a check in the amount of {$11000.00} to my personal account in Chase Manhattan Bank. It was my own check from my other own personal account in XXXX XXXX XXXX. 
On XXXX XXXX ( XXXX days later ) I receive a letter stating that the funds were withheld because " this deposit is not consistent with the account 's normal deposit activity ''. The letter also says that the money will be held until XXXX/XXXX/2015. 
I do n't understand why the operation takes XXXX days to perform. Especially considering that the money is not in my XXXX XXXX XXXX 's " origin '' account since XXXX XXXX. 
Plus : 1. It is an operation from my account in XXXX bank to my account in another bank. 
2. I do n't think the reason about my " not normal deposit patterns '' is valid ( if it was my " withdrawal '' patterns, I can understand, but making a deposit into my own account? ).
I had a mortgage bought & serviced by Seterus , Inc . I received an email from them on XX/XX/XXXX that stated if I paid off the late fees I would receive a discount of 50 % of these fees if paid by XX/XX/XXXX. I contacted a rep ( either XXXX XXXX or XXXX XXXX ) on or about XX/XX/XXXX regarding a payoff as I was in the process of selling the home. After extended periods on hold and questions I was assured that I would receive an escrow refund as well as the late charge refund within 30 days as required by regulation. I had issues with his responses and asked to speak with a supervisor ( XXXX XXXX ) who indicated the same. I paid off the loan in full ( including the full amount of late charges ) on XX/XX/XXXX. I received a check ( with no explanation or accounting whatsoever ) that stated " escrow disbursement '' with no refund for fees. I spoke with a XXXX XXXX   who indicated I would need to send emails to his legal department to receive my refund. I asked to speak with his supervisor ( XXXX XXXX ) who tried to explain that there is an issue that I paid in full rather than just the late charges. The email did not specify any of this and again I was promised by several employees I would recieve my refund within the 30 day regulatory period. I indicated it was their ( Seterus ) issue and they should talk to legal. He refused and I asked to speak with his supervisor ( XXXX XXXX ) whom has not called as of yet. I do not feel like I need to battle their legal department for the refund they promised several times. I can forward all information including the refund email along with loan # 's etc. if necessary.
Nelnet refuses to accept a document I uploaded as proof of my income for XXXX. I provided a w-2 for years XXXX, XXXX, XXXX. My w-2 for XXXX was taken by my ex husband for filing taxes. He would not return it. I called XXXX and nelnet and was told that a screenshot of my year end pay sub would be suitable as well as something as simple as writing my total gross income a plain paper and sending it to nelnet/XXXX. I sent a screenshot. I also filled out the financial disclosure letters as requested. Nelnet has refused to accept my gross income statement from XXXX even though I was told any proof was acceptable. My loans went into default and my XXXX tax return has been garnished. I feel I have provided acceptable proof for all 4 years and no one I talk to will help me. I consider this abusive and dishonest by nelnet advisors. There is no way to upload documents directly to XXXX website, only through Nelnet. Obviously they share the files because XXXX  can view them but still refuses to accept my income statement for XXXX
I was a student at XXXX XXXX XXXX and enrolled in their XXXX program. XXXX convinced me to take out a personal loan in order to pay for the remaining balance of my tuition. Due to the fact that XXXX closed their business down in was unable to finish my program and obtain my education and certification which makes them in breach of contract to me. I do not owe money because at no fault of my own, I did not receive the education I was paying for.
I lost my wallet on XX/XX/XXXX which contains one of the Credit card issued by Bank of America, at the time I didn't realize I had lost the wallet. On XX/XX/XXXX, I was notified by BOA online website about two fraudulent charges made on the credit card in the amount of {$150.00} and {$500.00} on XX/XX/XXXX. I immediately flag the two transactions as fraudulent and reported card lost on their website. I also opened 2 claims on those two charges on XX/XX/XXXX. After I made the 2 claims, the next day I was temporary credited for the two fraudulent charges. 

On XX/XX/XXXX, I received a letter from Bank of America notifying me that the fraudulent charge in the amount of {$150.00} was indeed fraudulent, hence they credited my account for that amount. 

On XX/XX/XXXX, I received another letter concerning the other fraudulent charge in the amount of {$500.00}, they found that it was not fraudulent because the service/good purchased with the card had the correct billing address at the time of purchase, they deemed it not fraudulent. I was liable for the amount of {$500.00} My balance on the card was reflected with the outstanding amount due on XX/XX/XXXX, and I didn't have that amount of financial asset to pay off the balance due to the recent mortgage I applied back in XX/XX/XXXX On XX/XX/XXXX, I called Bank of America Fraud department ( XXXX ) about the claim denial of the fraudulent charges of {$500.00}, I further stated that I lost my wallet along with my card, that would explain why the billing address was correct then the charges was made. I asked to have the claim re-opened. I also inquired about what happens to the outstanding balance due to the claim denial, does Bank of America temporary credit my account for the charges while they investigate? They said no, I will have to pay it off or make minimum amount before XX/XX/XXXX and accrue interest. 

On XX/XX/XXXX, I called Bank of America Fraud department again asking what is the status of the appeal for the claim denial in the amount of {$500.00}, they told me that it was denied again. 

The due date of the outstanding balance is near, I am not able to pay the {$500.00}, it would require me to cut down my other daily life necessary expenses. 

I couldn't understand that the two fraudulent charges were made on the same day, it deemed on fraudulent and the other not.
I thought this matter was resolved years ago when I established my identity was stolen and fraud alerts were placed on all credit reports. I did not purchase anything using XXXX XXXX XXXX XXXX and have demanded validation from all previous Collection Agents yet none were ever able to validate the debt was mine. 
More than that the Statute of Limitations expired on this invalid debt and I assumed the matter was closed. 
Now a junk debt buyer has bought it and hopes to collect on it.
All my student loans show 90-120 days delinquent in 2013 when all of them where in deferment. They never corrected the issue and just published a personal statement that I did not authorize nor state.
Dear sir or madam : Experian states that my dispute should be reported to you at consumerfinance.gov. This is off of the report number XXXX for Experian. Original Creditor is XXXX. XXXX has reported to Experian that I continue to have a {$46000.00} balance with this hospital. The amount submitted to and approved and paid by XXXX did no exceed {$30000.00} from 2013 to now.
I have disputed the late payments on this XXXX   XXXX account for months. XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was  received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
I am being called multiple times per day, from both the office and from personal cell phones of employees in the office. They are also sending text messages telling me to call them. I have advised them of medical issues I have that are currently preventing me from working, and I was advised that they were going to sue me in court, garnish my wages, and take personal property that was used as collateral.
I was called at work to be informed that a company had sealed documents to deliver but they had an old address. They gave me a phone number to call,  XXXX and a case number  XXXX . This was regarding credit card debt from many years ago. All of my debt was legally discharged in a Chapter  XXXX  Bankruptcy Filing in Arizona with the  Federal Bankruptcy Court i n  XXXX   2016 . The collector said i was about to be sued  ( even though my debt was discharged ). I gav e them my attorney 's information and will report them again if they try to contact me after this. They refused to give the name of their agency and just gave me first name  XXXX , then someone named  XXXX   XXXX . Other websites identify the phone number as   XXXX   XXXX   in New York
I disputed inaccurate reporting from Equifax previously. A collection is reporting that I am positive is not mine. They claim to have investigated and said the information is accurate. I have a different account that has been paid in full over 45 days ago. This account has always been in good standing and just has not updated the {$0.00} balance through Equifax. I disputed the reporting balance of {$4300.00} and AGAIN was told this information was accurate. I can easily prove the balance is NOT accurate. My point is this ... ..Equifax did NOT investigate either one of these disputes. This is a violation of the FCRA. This illegal activity must be stopped. The impact their reporting has is huge and that responsibility must be not be taken lightly. No excuse for violating my rights.
I signed up for the American Express EveryDay Card on the sign-up offer of XXXX Membership Reward points as long as I spent over {$2000.00} in 3 months. I met the terms of the offer by spending over {$2200.00} in the first three months - which was confirmed by several American Express representatives - and 6 months later I have still not received the points. During this same time I also added a American Express Offer on two different American Express cards that said I would earn XXXX points if I spend {$200.00} at a hotel chain. I spent the {$200.00} dollars on both cards ( {$400.00} total ) and only received the points on one card. I 've contacted American Express multiple times over these issues and each time the representatives assure me that the points will be added to my account shortly, which has yet to happen.
XXXX XXXX Mortgage sold my home loan to Specialized Loan Servicing ( SLS ) in XXXX 2016. In the process, SLS did n't get my insurance information and did n't pay the premium from the escrow balance. SLS sent me a notice and asked me to upload a copy of the insurance. I did that around XXXX XXXX, 2016. At that point, I understood that the problem was solved. However, apparently the insurance premium was never paid ( from the escrow balance ) and the insurance company cancelled the policy. I was n't aware of this. Meanwhile, SLS went ahead and purchased new insurance for me without telling me. ( I guess they sent me a letter but they did n't call me ). The new insurance was {$2200.00} per year. The insurance I bought was {$1000.00} per year, so their insurance was {$1200.00} per year more and my escrow payment went up {$100.00} per month. I had automatic payments set up and was {$100.00} short on a few payments. They put my account into delinquent status and they dinged my credit report. 
All of this resulted from SLS 's failure to get my insurance information from the other bank. Nobody called to let me know. I 'm getting screwed by SLS. Please help!
I 'm not sure of the official date but around a month or two ago I filed for an investigation on my credit report due to XXXX XXXX XXXX still charging me for a car that I had brought back over a year ago. Because I did not have possession of he car, I did not pay for the car. I 'm not paying for something that I do not have. And the reason I brought the car back is because the car company gave me a different car than I ordered. I 'm not paying for something I did not buy. Eventually, XXXX XXXX XXXX found the car and notified me that they were in possession of it. I contacted Transunion wanting to dispute that claim on my credit report because it lowered my credit score and they said it was " accurate '' and I am fighting it because I should not have to suffer for a mistake that the car company made. I 'm not paying for a $ 25000+ car that I do n't own.