WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, while reviewing my billing statement with My Best Buy Credit Card I found a disturbing notification of an additional charge of 'Debt Prot XXXX ' in a percentage of my billing statement added each month. I have had a best buy credit card from at least XXXX on when it was with XXXX XXXX prior to XXXX and then when it was bought by XXXX back in XXXX. 

I never signed up, consented or requested this option. In trying to get information on where and when I would have signed up for the Debt Protection I was never given an option into debt protection and that is when I started to do some research. I started by calling XXXX on XXXX/XXXX/XXXX the Debt Protection company at XXXX where I was told that I have been charged for the life of the card upwards of {$1400.00}. I was told they would put a request to have them look into this issue. They did and XXXX week later I received confirmation that {$47.00} was going to be returned to me on my billing statement. I followed up on XXXX/XXXX/XXXX then at that time with not only Debt Protection again at XXXX, but also XXXX XXXX and Best Buy XXXX. I tried to contact a manager in all areas. Debt Protection told me they could not give me any formal documentation that I had opted into this protection that I would need to contact Best Buy. Best Buy told me that they could not provide me any documentation that I opted into this debt protection without contacting their operations department. When asking for a number to call the Best Buy operations department I was told they did not have a phone number and that we would need to provide a formal letter requesting for a copy of the document that we have never been provided. After speaking with XXXX they said that the {$47.00} that was refunded was the only amount they could refund because that is the amount that that had been charged when the card was with XXXX. 

After careful review of my statements via Best Buys website I can only go back to XXXX charges due XXXX/XXXX/XXXX these have all been with XXXX. Total from XXXX XXXX through XXXX XXXX with XXXX {$400.00} has been charged in Debt Protection since they took over the account in XXXX. Best Buy told me they could not get me any statements before it was moved and brought on by XXXX, which means I have no proof as a consumer what the other charges were from the Debt Protection company. 

I have spent multiple hours and time, consulted a lawyer, and was told to contact every protection agency that I can to make sure you are aware of this issue. Each company pushes the issue to another company to get the answer. Not one of them will give a straight answer or a refund, and I can not imagine how many other people are being scammed out of money because they never opted into or consented to these options. I am not the only consumer this is happening to, but I can not get any information on if I opted into this option or my money refunded. 

If you need more information from me or documentation please contact me directly, but I would like to get some answers from these companies and possibly be refunded before I take legal action.
I have sent in a copy of my ID with the correct mailing address to Experian, XXXX   and XXXX and they each have refused to update my address. I have recently received a letter stating that my mailing address was changed from the address that I instructed to another address that is not my address but a relative of mine. I have never used that mailing address.
Hi - My mortgage was modified many years ago when owned by XXXX XXXX. It was modified through XXXX. As part of the modification, my payments are to step up due to rate changes ( XXXX years at 2.0 %, XXXX at XXXX, XXXX at XXXX and finally a reset to 4.375 % ). My loan payment just modified to 4.0 % on XX/XX/XXXX. Since being modified, the mortgage not was sold and servicing rights were transferred to Fay Servicing. 

I am underwater on my mortgage balances. I purchased my home in XX/XX/XXXX for $ XXXX. I currently have a mortgage balance with Fay Servicing of $ XXXX and a second mortgage with XXXX XXXX of $ XXXX. I believe I could sell my home for somewhere between $ XXXX and $ XXXX based on recent comps. Realistically, if I were to sell at $ XXXX, I would need to bring approx. $ XXXX to the table to cover closing costs and mortgage deficiencies. That number also does not take into account the XXXX foreclosures in my neighborhood that I will be competing with that may drop that price and increase the amount I would need to come to the table with. 

I pro-actively reached out to Fay Servicing to explain that my income has not risen at a pace to keep up with the new payment structure. I alerted them to this over a year ago and then again last month ( XX/XX/XXXX ). At this point, I am not able to make my XX/XX/XXXXpayment as it is not within my budget. 

I just received Fay Serving 's response to my request for assistance. Their response is dated XX/XX/XXXX and simply states I am 'not eligible for an alternative to foreclosure '. Based on previous experience with Fay, I did not expect much assistance. But, this letter leads me to believe that my only option is foreclosure. 

Recently, I read an article about Fay Servicing was keeping borrowers in the dark about their foreclosure prevention options and a civil penalty assessed by the CFPB. Based on their response to me, I feel that this practice is continuing at Fay Servicing. 

Also, when reviewing my recent activity with Fay, there 's an odd line item dated XX/XX/XXXX. The line states : 'Misc Foreclosure and Bankruptcy Expenses '. I 've inquired about it to my account manager and have not received a response to my inquiry.
After having a problem with a Payday Lending company taking too much or charging too much interest I sat with the bank and explained the situation and asked if I could closed the existing account and open a new account to resolve this matter. I was I could, I opened the account. They told me that the old account closed only to later find the account was charged a service which I brought to a XXXX balance this past Friday and i was asked if I wanted to keep that XXXX. I said yes because it should be closed. I don't need two accounts. The next day I realized that they took $ XXXX+ instead of just {$4.00} for maintenance fees. This emptied my new account. I first call customer services to explain that it seems to be a account error. I was told to go back to the bank. I spoke to the person who I originally spoke to changed accounts. He directed me to the teller who served me that Friday who happened to not be working Saturday. I just left the bank today and now they want to direct me to the branch manager but told me they had a right to go in the new account without my authorization. How do they have that right to basically dip into any account when most of the time most banks make it necessary for you to transfer monies from a checking to a saving unless you signed prior authorization.
I was involved in a car accident that was not my fault. The at fault party insurance paid my rental car bill I am being billed for no reason the insurance company paid all fees
I attended XXXX in XXXX, MA and graduated in XX/XX/XXXX with a XXXX in XXXX. I have XXXX outstanding XXXX XXXX ( now Navient ) " Smart Option '' loans and the six month grace period has ended. The principle & interest payment of {$850.00} have now come due starting XX/XX/XXXX, this payment is based on a 10 year payback term ( I believe ). I have contacted Navient in an effort to discuss repayment options available to me and was told because of the type of loans I have, I can not be considered for an extended repayment. The only program that I could qualify for is a temporary rate reduction, which will only reduce the monthly payment to {$670.00} for 15 months. I feel that it was not made clear to me back in XX/XX/XXXX when I took out the first Smart Option loan, that this type of loan would not be eligible for any time of extended repayment plan. I thought by choosing a loan where I paid a small monthly payment while I was in school, it would help pay down the interest a little bit and reduce the monthly payment. It seems I 'm being punished for making monthly payments while I was in school and now that I 'm out and only earning a low salary, I have no options to extend the repayment terms. I 've spoken to supervisors and a manager at Navient and have n't been able to make them understand that a temporary rate reduction or a forbearance will not solve my problem. My main concern is that XXXX XXXX did n't make it clear that by choosing a Smart Option loan your repayment options at the end are extremely limited. I was told that the original promisory note that I signed states that it is a fixed payment but my understanding was that they were referring to the $ XXXX for each of the XXXX loans during the time I was in school. I feel that XXXX XXXX demonstrates deceptive and unfair loan practices.
E arly Warning continues to list an account I had with XXXX XXXX XXXX as fraud-related. I 've attempted numerous times to have this negative listing removed to no avail. I 've initiated disputes with Early Warning and XXXX XXXX XXXX and both have refused to remove the inaccurate listing.
There is no evidence of a debt owed and no evidence of fraudulent activity. I 've contacted XXXX XXXX XXXX and they have either refused to provide any documentation or they are unable to provide documentation proving the claim or the accuracy of the negative item. The listing remains inaccurate, incomplete and not verified.
My last communication with Early Warning was on XXXX XXXX 2017, in which I requested removal of the XXXX XXXX XXXX account. To date, this negative listing is still on my consumer report and is severely impacting my banking abilities.
I was informed by keep your home California to enroll in the " Unemployment Program : Forbearance Plan '' with my bank CHASE. Then I was informed that I was accepted on the program and they ( CHASE XXXX sent me a forbearance agreement saying that I should not be paying any monthly amount. Later, XXXX XXXX XXXX informed me that if I wanted to make a payment I could. I said no because I read in the agreement in section " B '' that " your monthly forbearance payment amount [ is ] {$0.00} ''. Thus, I started not making payments according to the agreement. After a few months XXXX XXXX 2014 ) of no payment and checking with them how the process was going then I found out that I was been reported as late all this time, not as in forbearance as should of been. Indeed, I received a letter in XXXX XXXX stating that I was past due. When finding this out I started making payments and complained to them for the wrong information given to me and they said it was not their fault. I complained also with XXXX from XXXX in XXXX XXXX as I think they are partners. He said he " will check into it ''. In the same month I got another letter from Chase saying that I was approved for a loan modification program and payment plan was detailed there for me. It seems like the information about the forbearance was not processed properly within their company and now recently I 've found out these late payments are reported in my credit report. I have been adversely affected by that going in my score from the XXXX 's to the XXXX 's. In XXXX I also spoke to XXXX about the forbearance and my issue with my credit score, he was the person who finally ended up processing my loan modification. Until this point they have not done anything to fix their mistake.
Recieved call stating BOA had aquired a loan from prior to 2010. Being very ill, I gave my wife permission to speak with them. She was extremely RUDE and kept telling my wife not to interupt her. She would NOT tell her anything except Bankj of America had just aquired the loan & they want thier money. When my wife tried to get any info as to what the loan was about, she said we could settle the debt right now but would not say anything more than it was an old loan that BOA had just aquired and no other info from whom the loan was aquired. She finally said we would be sued and taken to court and abruptly HUNG UP on my wife. I called here back and tried to get the info from her. She was so rude and ignorant, I could not believe this woman. She said " NOW YOU WANT TO TALK TO ME '' " if you want to know anything, ASK YOUR WIFE. I wanted to know how I can settle a debt when she would not tell me who the debtor was. I have to admit I became HIGHLY AGITATED and did use some abusive language and hung up on her when I could get NO INFO and all she was doing was yelling at me. My wife called back and tried to talk to someone else and they once again immediately hung up the phone without speaking, as soon as they determined who was calling. 

To summarize this whole situation. The person who called was XXXX and she was mean and very rude. She told my wife this debt has to be settled today but would not reveal from whom BOA aquired the loan. After giving us NO INFO she said to ge3t a lawyer because they are going take us to court and sue us. I 'm not sure if the company name and representive is correct. They did not identify themselves except to say there is a claim against me. The phone numbers were left on the answering machine and taken from my caller ID.
I submitted a CFPB complaint previously ( XXXX ) with Citibank alleging that they had failed to uphold the terms of their promotion by not paying out XXXX ThankYou points for the checking account bonus. They responded by telling me they would honor the promotion but that I needed to send in a XXXX form so they could verify my identity ( despite them already having done this when I opened the account ), and to call a number in their XXXX XXXX office after I 've sent it in. I sent it in immediately and have called several times but have always gotten a voicemail ( I 've left voicemails twice ), and have never heard anything back, which makes me think that they are once again trying to avoid paying out the bonus.
This company is contacting daily for a deceased person 's debt. They have also left messages on an open voicemail service, so I was able to learn about the debt. They are also calling other parties constantly.
Indiscriminate Closure of Wellsfargo Accounts I will like to bring the Bureau attention to the unfair practice of wellsfargo Bank closing my accounts on the presumption that I was a victim of fraud. I am a recent XXXX still searching for a reasonable job. 
The incident happened on XX/XX/XXXX When I was expecting some funds to cover for living expenses from a friend while in a transition period of switching jobs, she was supposed to call me before the making the deposit but Unfortunately I was in an Interview when she went to the bank The expected amount was {$1200.00} but she raised a cashier check of {$3500.00}. The difference in the anticipated and the actual amount made the bank to reject then deposit and proceed with a harsh decision to restrict my deposit accounts ( saving and checking ) from any further deposit and be scheduled for closure on XX/XX/2018. The reason was disguised as a business decision. 
Moreover, Wellsfargo decided to take their decision a step further to schedule the closure of my credit card account which had nothing to do with the deposit accounts. I have been a customer for almost eight years and never had I for once had a late payment or any other penalties on the credit card account. It is pretty disheartening that bank like wellsfargo will still repeat a decision for which a former employee exposed the bank to the media for unfair practices in XX/XX/2018 ( https : XXXX ) Lastly, Looking back at the incessant amount of scandals that wellsfargo bank has been involved over the past 18-24 Months. I have come to a conclusion that it is wiser not have any deposit account with ( Checking and Savings Account ) with the bank but I will like to request for the CFPBs benevolent despotism to intervene and prevent the indiscriminate closure of my credit card account from a scandalous bank with hidden aim of leaving behind a terrible mark on my credit history I have included all letters from the Bank for a quick and candid assessment Regards, XXXX XXXX
I understand that cfpb is suing Navient/XXXX and I would like to be a participant in that lawsuit. My student loans from XXXX XXXX XXXX XXXX XXXX originated at {$70000.00} for a degree in XXXX from a for profit college. They are now currently over {$140000.00}. I am in over my head in debt and have been from day XXXX. Not only was it unethical to lend that kind of money to a young person in their XXXX 's, for a degree with a known history of underemployment/low wages. Then to balloon the loans constantly with fees, surprise fees, and more fees. No counseling. Not knowing what is in my best interest. I 'm told by Navient there is no settling on the loans. The loans were serviced by XXXX XXXX and now by Navient. I 'm now XXXX with health problems that interfere with my ability to work. I have received XXXX in the past few years. I need help. I feel the lender/services are unethical in their practices. I 'm tired of all the exorbitant fees that have ballooned this loan. Navient is quick to offer forebearance while I 'm out on XXXX, then charge me fees after telling me my payments were XXXX. They have offered me no counseling, no understanding, and no options to get relief from debt they happily continue to balloon. It 's unethical.
I spoke to XXXX at the ceo 's office of usaa about my complaint that was previously filed and they did state that they were in the wrong. they stated their 3rd party company who set up the payments never hit the process button to begin the repayment schedule. They advised to me that they would remove the late fees attached to the account, XXXX, XXXX, XXXX, and as well update the credit reporting agencies that the delinquencies were to be updated and removed, and leave me with an outstanding principal balance they are demanding I pay to the account. I asked why it is I have to pay the remaining after being caused grief from this company, they could not answer this question other than by stating I owe the balance and they will not pardon or dismiss anything and that they will just close the account. I told her that I do not wish to have the account closed with a remaining balance and the only way I would close the account is if there is a XXXX balance being reported. Usaa seemed to not care that the last 60 days have caused other financial problems with my credit and that they caused me severe harm to my credit report. They are still stating to have the balance paid off or they will reflect that I have not paid and basically that I am a debtor to them. I told XXXX that I felt insulted by this resolution as its not just about their money at this point, its also about the fact my credit has been effected negatively and has caused grief with other finance companies I am CURRENT with. I told her that I would need to think about paying them any more money as they have had other accounts with me that they also treated me poorly on. XXXX left the conversation as the fees will be removed, and the credit will be updated, but as far as pardoning my balance she is still claiming I have to pay off the remaining portion. I feel at this time, this company is just trying to under cut things and are trying to get me to just feel happy for a day and pay this so they can be done with me as well. I told XXXX she is just trying to keep things happy for the bank and that her resolution does not fix the problem here, all she said was that she was sorry grief happened and that there would be internal coaching done to make sure things like this do n't happen again, which did not make me feel well in the least knowing that my account was the first that has been handled the way that it has been. It is disgusting this company acts this way demanding there be a payment placed to the account when they failed to process the first payment as it was. I asked how I am supposed to feel comfortable with my own bank account now, knowing that the person who set up the payments, did n't complete his job, and may now still have access to my personal information. She asked I review my bank account, I told her I live where there is none, she then stated oh well just check your statements when they are mailed to you. What happens if there is money taken before I get my statement and my account ends up in the negative, she had no response other than to pay usaa, and that she assured me the representative would n't have my personal information.
In XXXX I applied for a student loan with bank of America through XXXX XXXX. 
over the years I have been making payments of {$130.00} through my bank account. In XXXX the loan was sold to XXXX success. I believe the information is incorrect and would like to receive official documentation of signed loan agreement, statement of how payments were applied towards the principle and the balance and the amount that was sold to XXXX in XXXX. 

XXXX XXXX. 
XXXX XXXX XXXX XXXX, VA XXXX
Why are these accounts showing up on my credit report when they are not mine i do not owe money to this company because i do not have an account with them so remove it XXXX   XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX  ) XXXX, XXXX  ( Original Creditor : XXXX XXXX ) XXXX,
My wife and I applied for a refinance on our mortgage loan with LoanDepot.com.LLC in XXXX XXXX, CA XXXX. After months of waiting for an approval they came back and denied the loan. We were to receive a written response mailed within 3 weeks and still after 2 months we have not received the written letter. This company seem to be NOT very reliable or trustworthy. After giving them all of our sensitive information they come back with a denial and will not send any reason why. I sent them a neg. survey and they do not respond. Both my wife and I have a credit score of over XXXX but the loan was not approved. It appears that this company is a scammer ... .client beware!
On XXXX XXXX I went to capital one bank to open a 360 account, after I have close my regular checking account because I do not want to be changed as i have reassigned from my job to go back to school. I was told they are having a technical problem. I waited for two weeks and went back and was told the same thing and was ask to call back yesterday by XXXX. I did call back but the phone was have on me for two times. So I wonder why the discrimination. And why no answer to why I ca n't open a 360 bank account because it a better product that I need since am now a student.
After checking my credit reports, i found a collection with a company, XXXX XXXX. I am unaware of this debt. I sent a letter to this company on XX/XX/XXXX asking for them to validate this debt by sending me something with their company bearing my signature. I sent the letter certified mail with return receipt. They signed for the letter on XX/XX/XXXX. After 31 days with no response from the company. I mailed a 2nd letter on XX/XX/XXXX which they signed for it on XX/XX/XXXX. The second letter asking them to remove this debt from my credit report since they broke the federal law by not providing me with a copy of any viable evidence bearing my signature, showing the account is being reported accurately. As of today 's date I still have not received any communications from them yet they are still updating my debt with XXXX. This showing on my credit report is hurting my credit worthiness.
My debt got sold to Shellpoint Mortgage Servicing at the end of XXXX. Since then we have communicated with them twice about the following issue : When we send additional principal payment, they apply it to the monthly principal and interest payment.They essentially prevent early principal repayment. The first time it happened they said we need to use the official slip and write explicitly that it is principal only. We have done that and they continue with the same practice. They are blocking our early debt repayment and I believe this is fraudulent practice.