WillisBack/dataset-financial-user-claim huggingface dataset:
My student loans were consolidated by XXXX. When Navient assumed the loan, the loan amount was changed w/o out my consent. I have never missed a payment. Unfortunately, I did not know until recently when I saw it in the fine print, for the XXXX time, that I was only making the minimum payment. Due to this, I have paid a lot more interest than if it had been calculated over the XXXX year period. I was never offered any other option and believe that I have paid substantially more interest than I should have. 
I took out this loan while attending the University of XXXX 

Is there any recourse for this issue?
This administrative complaint is being submitted on behalf of the borrower by her advocate. Borrower filed bankruptcy chapter XXXX in 2012. The mortgage loan was not included in the bankruptcy. The bankruptcy was discharged. Mortgage loan servicer ( Seterus ) refuses to send mortgage statements stating, " ... the borrowers are no longer contractually obligated on the debt and we are prevented from attempting to collect said debt. ".
I currently have XXXX credit cards with CapitalOne. All XXXX cards have a very high interest rate. In the last 12 months I came upon very difficult financial hardship due to extreme health concerns. I have been out of work and only able to keep up with my minimum monthly payments on these XXXX cards. On each card my balance has grown due to my inability to make more than the minimum payment. Now that I am getting better I called CapitalOne to try to get some debt forgiveness on the accrued interest charges. They refused, only offering {$50.00} on each account, for a total of {$250.00}. I have roughly {$8000.00} in accrued interest. I explained I do not want 'discounted ' monthly payments, as I have never missed a payment and will be able to begin making higher monthly payments towards my balance when the new year starts, because I will be back to work. They did not care, and have no interest in relieving any of the accrued debt. They also would not lower my interest on any of the cards. I have several other credit cards from other banks and they were much more cooperative with interest forgiveness as well as lowering my interest rate. I am extremely disappointed with their lending practices, and for the {$33000.00} balance, some of which is healthcare costs, can not believe I owe {$8000.00} in interest in 18 months, after 0 % introductory periods.
XX/XX/2018 I received a credit card in the mail from Chase Bank with an {$11000.00} limit. I immediately called Chase to explain I did not apply for any credit card and this account needs to be immediately cancelled. Upon giving the agent the card number I was confronted with the question " what is your password and your mother 's maiden name? '' Since I did not have an account, there was no password and what did my mother 's maiden name have to do with anything? Eventually this agent transferred me to a fraud agent, But before doing so mentioned to another agent that " she forgot she applied for a card. '' I was then transferred to XXXX XXXX who described herself as a fraud officer. She then continued with the questions instead of assurances of a closed account. One of the questions was what is my address, I countered with she already had that information. Eventually she did tell me the account was closed, but did tell me the card was " compromised. '' I asked for more detail, but she was not forthcoming with any information. She explained that I would receive information in the mail and gave me the assignment of calling XXXX to report a fraud. The entire call process took about 30 minutes. An unwanted credit card phone call should not take that long. 

The Truth in Lending Act states " no credit card shall be issued except in response to a request or application. '' I can assure you that I have not applied for any credit card. My only interaction with Chase Bank was to close my brother 's Chase account in XXXX after his passing and cancel his credit/debit card. I would hope that the report of a death in the family to Chase is not considered an application.
XX/XX/XXXX I applied for a hardship economic deferment on every educational loan I possessed. This deferment was granted for the consolodated subsidized and unsubsidized loans adminstered by AES, but AES denied this deferment for XXXX private signature loans they were administering on my behalf. As I was in XXXX XXXX outside of phone contact and with limited internet connection, I organized electronic communication to follow up with my loan deferment process as I would not be able to have access to standard postal letters. XX/XX/XXXX, I was able to return to the United States and retrieve my postal mail where I discovered a letter never delivered electronically to my account which stated that my deferment request was denied for the XXXX private student loans administered by AES. When I contacted AES to inquire why this notice was not sent to me electronically as I was in XXXX, or inquire as to how I was able to fix this mistake, I was informed that AES had closed that account and sold the debt for those obligations and could not comment on how or why electronic communication was not sent to me, why I was not contacted, or why the deferments were denied. When I asked how XXXX loans administered by AES could be denied a deferment when XXXX other loans administered by AES were granted the same deferement for the same period, I was told they could not comment as they had closed those accounts. In XX/XX/XXXX, I once again applied for a deferment from AES which was denied, while the same deferment was granted for the same period with the same information for loans administered by XXXX. When I contacted AES to inquire how a federal loan could be denied a deferment when the same deferment was applied to other federal educaitonal loans, through the same program, with the same information, I was informed that they could not comment on why and I should just reapply. I believe that AES is purposefully and systematically seeking to deny deferment requests in the hope that individuals will not notice or be able to contact AES services so the loans could be placed into default and claimed under federal insurance programs. I am seeking assistance as I have returned from XXXX and would like to address the issue of the XXXX loans which were denied deferment, subsequently placed into default, and are now an issue on my credit, to which AES has consistently refused all comment or willingness to address. I left with a debt that I am not able to address and a company who is not interested in working with me to create an adequate method for repayment, which is now affecting my credit and backgrond investigations for future employment.
Ever since I first tried to be successful chasing the American Dream, companies like XXXX have been profiting off of me and keeping me down. They are the default " ethics police '' and the # 1 form of " lawful '' slavery. Their theft of my personal information means I ca n't even put money in a bank without those XXXX  knowing MY business ( not their business!!! ) I want them to delete my information from their database, they have made my life a living XXXX and I want justice. Their company keeps the rich rich and the poor poor. Their company supported XXXX XXXX and calls XXXX XXXX uncredible! ( For the record, I AM credible, dummy XXXX! ) I find their business model incredulous and can not believe that people are investing billions into this fraudulent scam to profit off of the American poor. This has no dignity and I am concerned that honest people are unwittingly supporting this classism through their investment " advisors ''!!! XXXX : Supporting classism for over 100 years! 
XXXX p.s. if they made actual changes to help the poor ... that would be something, but as far as I can tell, in its current state, the company does more harm than good. 
Also their " freeze '' is XXXX.
I opened a checking account with Wells Fargo ( " WF '' ) XX/XX/XXXX at a branch in XXXX, XXXX. It was a no fee college student checking account. I actively used that account until XX/XX/XXXX at which point I moved to XXXX, XXXX. XX/XX/XXXX, WF had not yet opened branches in XXXX, so I moved the majority of my cash assets to another bank, but kept the WF account open with some cash remaining. When I checked the status of my account a few years later ( approx. XX/XX/XXXX/XXXX ), I was surprised to find out that WF had closed my checking account. Worse, I never received a check from WF with my remaining cash balance in the WF checking account. I never authorized any change to my free checking account, let alone its closing. 

In the wake of the recent developments about WF 's fraudulent practices, I began to wonder what happened to my cash in my checking account. I saw that WF took out full page ads in the XXXX XXXX XXXX to call about complaints to restore customer confidence, so I called that number to see if WF would pay back the money they took from me. I provided my WF checking account information as well as relevant dates to the WF customer representatives but none were willing or able to help me. In fact, they had no record of my checking account despite the fact that it was still apparently open as recent as a few years ago. I obviously knew my account had existed and still had checks, etc. listing the account number. In the end, WF representatives refused to help me. I even think that they thought I was lying about my account ( ironic given their track record on honesty ). 

I suspect a couple things may have happened : 1 ) They changed the nature of my account, without my consent, and ate away at the balance through " fees '', or 2 ) they simply stole the money and closed my account as inactive. I also suspect that the reason WF could n't locate my account is because they had ( or still have ) record retention policies which favor their fraudulent dealings with customer accounts.
On XXXX I was coerced into buying a used car from a used auto dealer by XXXX individuals, who then drove off with the car and that was the last I saw of them. They threatened to do bodily harm to my family if I did not go along with them. To prove they were serious, while I was buying the car they had friends of theirs, go to my parents house and steal my motorcycle, fortunately my parents were n't home. It is important to note that I am XXXX I and was completely off my medication and in a XXXX ; which means I was not in a XXXX. The monthly car and insurance payments came to {$910.00} per month, for 66 months. The loan was financed through the a finance company owned by the used car lot company after I was denied by XXXX other banks/finance companies. I had been unemployed for over 18 months and both my checking and savings accounts had negative balances. Also, my XXXX credit cards were all past due. I do not understand why their finance company agreed to take a chance on me. I never had the funds to make a single payment, I opened a police report for theft by conversion. I tried to file a claim with the insurance company arranged by the finance company but The insurance company denied it because the car was stolen before my insurance coverage became effective on XXXX, even though the car was sold though I made my XXXX ( and only ) premium payment on the XXXX The car was located XXXX but it will be turned over to the finance company as they tried to repossess it a couple of months ago by sending a wrecker but I did not have the car and gave the wrecker guy a copy of the police report. I tried to resolve this with the finance company to no avail. The whole situation is overwhelming and I feel as though I have been a victim several times over.
My EX-WIFE used my name, social security, personal finance information ( she would have had access to because of current alimony modification court  proceedings ), to ATTAIN A " JOINT '' 40 YEAR REFINANCE on HER home. I have no doubt she forged my signature ; this is something she does repeatedly, to include on tax paperwork. 

I have contacted the company ( XXXX in XXXX XXXX ) and am disappointed thus far by their slow reaction. I have also contacted Transunion to have this person 's home removed from my credit. 

I even included my divoce decree which clearly stated that I have no liability, responibility or ownership of her home. This was 4 years ago. I have not seen, spoken to or had ANYTHING to do with this woman in YEARS. I have a legal " no contact '' order against her. Yet now I somehow " jointly '' own a 40 year refinance with her?! 

HOW can a loan company be this open to fraud, deception, and ID theft?
I rented a rental home through XXXX XXXX XXXX, on XXXX/XXXX/XXXX. XXXX XXXX, whose home is located at XXXX XXXX XXXX, GA XXXX, was the Agent and Property Manager. I handed him a {$500.00} deposit, and paid {$780.00} per month. He received the rental fees each month, on time. Since our lease with XXXX XXXX XXXX ended in XXXX XXXX, we were on a month-to-month basis with XXXX XXXX XXXX from XXXX XXXX until XXXX XXXX. XXXX XXXX XXXX XXXX stole my {$500.00} deposit, by refusing to return my deposit falsely claiming that I stole my own refrigerator when I moved. When in fact, XXXX XXXX came and took the rusty refrigerator to his home in XXXX XXXX. So, XXXX XXXX committed theft by conversion by not giving the rusty, unusable refrigerator to the owner. His name is XXXX XXXX, whose publicly listed address is XXXX XXXX XXXX, XXXX XXXX, New York XXXX. In XXXX XXXX, XXXX XXXX wrote a XXXX page letter XXXX with XXXX paragraph ) stating that they would manage the property for XXXX XXXX, the owner. 
XXXX never : came to the property ; completed a walk through, took pictures, spoke to us by phone/communicated at any other time until after the roof leaked. They are slum landlords who : do not return phone calls, ignored our pleas for relief, repair the leaks, and after the hurricane we had to stop using the moldy garage and place all of those items in storage. They lied and said XXXX XXXX would come view the property, from XXXX to XXXX XXXX, XXXX. He never came. Since the mold and rain ruined our ability to live peacefully, we were forced to leave. We paid faithfully, until we moving in XXXX XXXX after giving 60 days written notice. From XXXX XXXX to XXXX XXXX, we leased a property in XXXX, Georgia. XXXX XXXX XXXX XXXX hired XXXX XXXX XXXX in an attempt to blackmail me into giving {$1600.00} in unearned money. XXXX XXXX Single Family has caused me extreme financial harm including a denial of a mortgage with my credit union, due to this fake {$1600.00} debt. Although XXXX XXXX XXXX and XXXX XXXX were told not to contact me again regarding this fake debt, they have continued to do so in violation of the Fair Debt Collection Practices Act. The false debt created by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX is a carefully crafted scam to force me to pay for the roof, they refused to view or repair. This fake debt was used to harass me on my work phone at, although I told them not to contact me about this fake debt, in violation of Federal Trade Commission consumer law which : 1 ) Allows a debtor to state that they will no longer contact me or, 2 ) Allows a debtor to sue which they did not. 

They can not sue because it is a fake debt and extortion, by means of ruining my credit until I pay them the {$1600.00} I never owed. They update this fake debt each month, so that it appears to be new, which harms me further, another violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX has committed each act willfully, and backdated this claim to the same month they assumed management of the house. I signed XXXX lease with XXXX XXXX in XXXX, and nothing else. These XXXX companies are scam artists.
I am disputing action taken by Citibank case # XXXX for putting accounts in my name into XXXX different collection agencies that were identified as fraudulent by me to Citibank. The following accounts including but, not limited to : Sears Home Depot Account ending in XXXX Account ending in XXXX Account ending in XXXX I disputed statement received by Citibank that were sent XXXX/2017 because of identity theft and the fact that the account numbers do not match the XXXX credit cards I have in my possession. XXXX from the Executive Response Unit phone # XXXX closed the disputed accounts through Citibank on XXXX/2017. 
I have attached the XXXX credit cards I have in my possession. I have never been late on any of my payments but, refuse to pay accounts that are not mine through Citibank. I want Citibank to IMMEDIATELY remove all negative information on my credit report and be held accountable for the threatening, continued harassment, and intimidation of a victim of identity theft. Citibank has never matched the credit cards I have in my possession. I am more than willing to settle any debt that I owe, will not pay for any interest charges, and expect Citibank to remove negative comments on all accounts in my name. Please see attached credit cards.
Date : XX/XX/18 Amounts : Old Vehicle - {$46000.00} Actions by me : Requesting pay-off with management at location due to the sales tactics that were used. 

Events : I went to XXXX XXXX XXXX looking to trade in my XXXX XXXX to go with something a little more economical. I was informed that there was no option to trade due to balance on truck, ( this was after they took my keys and processed an appraisal. ) I told them no problem and that I would want to keep my truck and continue to pay for it. However, I had test drove a vehicle and they started processing numbers and told me to wait and that I needed to voluntarily surrender my truck to the bank I originally got the loan from, in this situation I asked for my keys and they were not given to me. They had the sales representative follow me to the bank down the road to ensure I gave the truck to them, then had me go back to the dealership and sign for paperwork on the vehicle I test drove. Now I have to suffer on my credit for a vehicle that is not delinquent, due to their XXXX sales tactics. I was intimidated and was forced to do this. I was informed by both the salesman and the Finance Manager that I had no other option and that I was lucky they were looking out for me. This is not the case.
I was sold patio furniture by XXXX and I find it to be sub-par. I want a refund to replace the faded cushions and ripped and torn covers. Below is my correspondence with the company, and the transaction details ( plus an additional {$130.00} they charged me for patios covers- see pictures attached ). 
Dear XXXX, How long do you think this outdoor set will last under normal conditions? 

Thank you. 

- XXXX XXXX, The frame is powder coated aluminum so it will not rust. We sell outdoor storage covers to help protect the furniture. I would recommend putting it inside somewhere during winter months to help the longevity of the product. If you take all these steps there is no reason this furniture will not last years and years. 

- XXXX XXXX, Attached are pictures of the patio set I bought from you 9 months ago. I had to order the 'covers ' from you because the red cushions I ordered turned pink in the sun the first day. They are so bad now, I just leave the furniture covered ; I will probably have to buy expensive fabric paint and paint them so they are not such an embarrassment. The covers are completely and utterly worthless ; they tear like tissue paper. I live in downtown XXXX XXXX where it rarely rains, there is no wind, and the average temperature is XXXX degrees. There is no snow or thunderstorms. For the money I spent, I am very, very, very disappointed in the product you sold me. 
XXXX XXXX XXXXPaid withVISA x-XXXXYou 'll see " PAYPAL XXXX '' on your card statement. 
Shipped toXXXX XXXXXXXX XXXX XXXX, CA XXXXUnited StatesTrack your shipmentXXXXXXXX XXXX, Marked as shippedStatus : ShippedTransaction XXXX infoXXXX XXXX ( XXXX ) XXXXXXXXXXXX to XXXX XXXX red cushions, please. Any issues, please do not hesitate to contact me. Thanks again, XXXX XXXXYour purchaseXXXX PC Modern Outdoor All Weather Wicker Rattan Patio Set Sectional Sofa Furniture $ XXXXItem # XXXXShipping $ XXXXTax $ 0.00Purchase total $ XXXXFee $ 0.00Total {$1100.00}
I went to check my credit report and notice that Plaza services has put something on my report. I do not know what this is. I have not receive anything from this company saying that I owe anything. They should have sent me a letter letting me know who the creditor is so that I could have taken actions before it went on my report. They gave me no notice to get this resolved.
I was involved in an accident in XX/XX/XXXX where I was hit by a car while riding my bicycle. The driver was at fault as they t-boned me while they were turning onto a side road and I was traveling in the bike lane. This debt is regarding a bill from the XXXX Fire Department which provided me with an ambulance ride to the hospital. 

I had attorney representation immediately following the accident which informed me to provide them with any bills I received. I did so, and the bills from XXXX was part of that stack of medical bills I provided. XXXX was paid by my attorney 's office once the lawsuit was settled out of court. While this collection shows that it was paid in full, this should not be on my credit report. None of the other healthcare providers ( which also had to await payment ) placed anything on my credit reports. 

At no time was this an attempt not to pay, nor does it accurately portray my credit worthiness. 

I attempted to contact XXXX XXXX and XXXX in XX/XX/XXXX. The person who answered the phone stated that there was no one available to take my call. I asked that someone call me back and she took my information. She stated she would pass it along, however, they were not obligated to remove this from my credit report as it was a valid debt and it did n't matter that it was paid. All they had to do was mark as paid and they had done so. 

I never received a contact back from their offices. I just want this removed from my credit. It is not a fair reporting of my credit worthiness and is unfairly inhibiting me from gaining the credit required to move forward with reasonable home and auto loans. 

Please help. 

Thank you for your consideration of this situation.
In XX/XX/XXXX, I opened a checking account with Chase, with the agreement and assumption that I would receive {$250.00} for opening a new account with direct deposit. When I did n't receive the {$250.00} as promised, I contacted customer service at Chase and was promised that I would receive the {$250.00}. After about a week of not receiving the funds, I went to a local branch for assistance, only to be told I had to contact customer service over the phone. I contacted customer service twice and two months later, I have yet to receive the funds promised to me. I feel that Chase is n't holding up to their end of the bargain and they are false advertising to get new customers to open new accounts.