WillisBack/dataset-financial-user-claim huggingface dataset:
This complaint is in regards to inaccurate advice regarding the public service loan  forgiveness program from loan servicer Mohela. I have worked for a qualified employer for the program since XX/XX/XXXX. I have never missed a payment, to my knowledge since XX/XX/XXXX. When discussing payment plans with the loan servicer in XX/XX/XXXX I was under the impression that the payment plan was " income based ''. 

In XX/XX/XXXX I learned of the PSLF program and inquired with Mohela if I qualified. This interaction was via phone and I have no written record of the conversation, however their on-hold message did mention that the calls " may be recorded '' and there may be evidence of this conversation with Mohela. During that call the representative informed me that my payment plan did not qualify because I was in fact on an " income based-extended '' payment plan. I, naturally, was frustrated as I had missed seven years of what I thought were " qualifying '' payments. At that time I asked the attendant to modify my payment plan to a qualifying plan. 

I do have an email from Mohela with an attached application for PSLF, but based on their statement that I would not qualify, I did not apply. 

In XX/XX/XXXX I learned of the Temporary Expanded Public Service Loan Forgiveness program ( TEPSLF ). It seemed to address the concerns that I had  regarding the misleading payment plan options. I then inquired with Mohela again in XX/XX/XXXX regarding the TEPSLF to confirm that I could qualify because I had made qualifying payments for at least 12 months and have paid on the loans for 10 years. 

When I spoke with the attendant I was informed that my payment plan did not qualify because it was some sort of hybrid income-based plan. Needless to say I was furious as I thought I could trust the advice from the loan servicer not once, but twice and I was misled. I also learned that I needed to apply and be denied for the PSLF program to apply for the TEPSLF program. I have applied for PSLF and received notification that my application has been received. 

Today, on XX/XX/XXXX I have learned that 99 % of all PSLF applications have been denied, and that the CFPB has resolved very few of these complaints. I also understand the language in the PSLF statute limits the federal government 's ability to be somewhat flexible. But I do think there should be some recourse for loan recipients who have made a good-faith effort to abide by the statute to have these loans forgiven, especially as I and many other hold public service positions that do not allow for substantial income.
I was recently informed of an ongoing lawsuit against Citibank Private Student Loans regarding their practices. Back in XX/XX/2017, my daughter submitted a Co-Signer Release Form to release me ( Her Mother ) of any financial obligation due to her having full-time employment. Not only did I not get released, but apparently, I am showing a derogatory mark on my credit report. The loan was removed from my daughters name and apparently put into mine. My daughter has since pulled her credit report, and the student loan is not showing. Its on mine showing closed. Neither my daughter or myself got anything from Citibank explaining the situation or have received any statements. This was also during a time that Citibank sold their student loans to XXXX. We have paid off the XXXX Loans. This is apparently a part of the suite that is against Citibank mishandling their Private Student Loans. We also found out that my daughter was eligible to claim her interest, when they told her she was not. 

I would like a response from Citibank as to why an unsettled balance I s showing on my credit report as the co-signer, but the student loan shows transferred and paid on my daughters credit report. And why we have not received any statements or other paperwork explaining. Im hoping to get legal assistance with this, but thought I would try here first.
My complaint is for Navient autopay practices. My expected payment amount of {$340.00} did not occur on the designated date ( XXXX ). Instead, I was charged a overdraft fee even though the expected debit amount was available. I received a letter from Navient dated the day of my expected payment ( XXXX ) letting me know that my payment amount would change to {$1000.00} beginning the following month ( XXXX/XXXX/2017 ). However, Navient debited my checking account on the designated day ( XXXX ) for {$1000.00} instead of {$340.00}, hence the reason for the overdraft fee. Needless to say, I was severely impacted by the loss of {$690.00} of my funds plus the overdraft fee. Note that XXXX, the day of the debit is the same date on the letter. Therefore, there was no advanced notice from Navient that my payment would change in XXXX ( versus the letter stating it would change in XXXX ). When I called to explain this and request a refund, I was told I they would have to do a forebearance on my account. For which I totally disagreed and requested to speak with management. After waiting approximately 20-25 for a manager, the representative returned and said the manager agreed to request my account not to go into forebearance, agreed to refund me the difference of {$690.00} ( but it would take up to 15 business days ) and that I would have to send/fax a copy of my overdraft fee in order to get that reimbursed. The impact of have {$720.00} ( {$690.00} and {$29.00} OD Fee ) removed from account is detrimental. Especially with no warning. No knowledge means no consent. I was told that I was made aware two years ago that the payment would change. Two years ago. To which I responded, the notice from two years ago was sent to me in order to agree with the change or make other arrangements. That notice two years ago came prior to the change occurring at that time. There are breaks in Navient 's controls : A notice of payment change dated the same day as the debit occurs ( no prior notice or consent ). A notice that states the change will occur on the following month, but occurs the month before the notice is received ( deceptive ). The notice stating if your auto pay amount changes, Navient will provide at least a 10-day notice before the next auto pay ( false statement in this case ). The amount debited without knowledge not being able to be returned for up to 15 business days ( abusive ). The possibility of forebearance on your loan for Navient 's lack of controls ( unfair ). All of that to say : Navient has not exercised fair practices. I find this an abuse of my rights. Who knows if others have had this happen to them or the long term consequences of Navient 's actions. Will this have an impact on my loans, my interest, or my future payments because something will have to be adjusted on their end? While it appears that my issue is being corrected, I find it very disheartening that Navient operates in this manner.
I applied for a fully secured credit card through First Progress on the month of XXXX of 2015 to improve my credit scores. I 'm trying to apply for a mortgage loan in the year to come so having new credit is important to me. My boyfriend completed the credit card application for me because he has had a credit card with them for the past year and it helped his credit improve. Unfortunately I was un-aware that there was an annual fee that was due the first month of being approved for this type of credit card, besides the fact I never received any notification ( written or verbal ) indicating the annual fee was due. After a month or so of not receiving any correspondence I called First Progress and became aware of the late charge and the delinquent annual fee. At that moment I took care of the charges and paid the account completely, I asked the representative if I was going to receive a 30 day late on my credit report and the rep said no. I asked for a confirmation number and a full name, but she said that they do n't offer that. After a month or so from this conversation I pulled a copy of my credit report and I saw that First Progress had reported a 60 day late on my credit report, I called them right away and tried to resolve this issue and all they said was to send them a written dispute and they would look into this. Since that time I have spoken to several representatives and I have not been able to get this 60 day late on my report corrected or removed. I personally feel that this was not my fault and if I had known of these charges I would have taken care of them right away, like I did when I first became aware. I need your help in resolving this matter.
I have previously disputed several unverified accounts with Equifax with no results. I have asked that they produce an original signed consumer contract with my signature on all negative items that they post to my credit report and they have failed to produce this documentation on the following negative items below : XXXX XXXX acct num : XXXX XXXX XXXX XXXX XXXX acct num : XXXX
My complaint is directed toward Popular Community Bank cancellation policy, I closed my account XX/XX/XXXX and received a statement XX/XX/XXXX. I called the bank to verify if my account was closed. I was told both of my accounts were never closed, and the withdrawal slips states it was supposed to be XX/XX/XXXX I called Popular Community Bank after I received a statement XX/XX/XXXX and was to the account was still open, a Auto Charge was placed on my account and NSF Fee {$34.00}. My 2nd account was opened XX/XX/XXXX The representative stated that I will have to file a claim to have charges removed 1st and my 2nd account was both accounts were closed the same time, Popular Bank Rep told me she will place in a claim on the 2nd checking so that I am not charged to close the 2nd account. No transaction had taken place on 2nd account.
I was sent an offer from Chase CC for balance transfer. Contacted them on XXXX/XXXX/XXXX to initiate a balance transfer. I was told that I was qualified and the transfer would go through in a few days.It never went through and I was not notified. XXXX/XXXX/XXXX I called to question why it had not gone through and was told it got denied by their fraud department because they could not get a hod of me- although they never called. my phone records do not show that they called. They apologized and stated it would go through and to wait for a phone call form the fraud department. That call never came and it failed to go through again. Called on XXXX and spoke to several supervisors ( I have their names ) and one from their fraud department who told me that they put it through the fraud dept and that it would definitely be processed again. they apologized and said it would definitely go through. I have their names and am sure the phone call was recorded. By this point, i should have gone with another company but they assured me it would not be a problem. I called the next week and spoke with their customer service department who told me that it did go through and that they were waiting confirmation for the other recipients. I was told not to worry and it was definitely going through. Spoke with them again XXXX/XXXX/XXXX and was just told that it did not go through again blocked by their fraud department. My complaint is two fold : no communication when it was declined and promised on the third attempt that was their mistake and the it was now all set. I feel at this point that their negligence has cost me money and time and a lot of frustration. I would have pursued other means to address my financial dilemma but was told that it was taken care of. To me this constitutes false claims and misleading the public.
After several attempts of trying to remove a debt on my report that did n't belong to me, I agreed to pay off the debt at a reduced rate. I was told that it would be removed off my credit within XXXX days and it was n't removed. It does say XXXX balance but it 's listed as a collection. I called the agency and they told me to call the credit bureau. Should n't it be the collection agency who should contact the credit bureau?
I have sent in letters to Experian XXXX, and also XXXX XXXX I have also called I have also upload my photo Id and social security card to have proper things taking off my credit report. I am not sure why they even keep letting people run my credit with out verifying that it is me. This is why I have a fraud alert on my report. I just so happen to pull my report and this is crazy how they have let just about everyone pull my credit. I recently order my credit report and noticed that there are more then a few inquires that I do n't recognize nor did I authorize. Such as : ( XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX BANK XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX VIA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VIA XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX ) These are the inquiries that are unauthorized and unrecognizable. I have called over and over again and for some reason they keep telling me that there is nothing that they can do. If this is true then why would I even have a fraud alert on my report. The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm offer of Credit B. XXXX XXXX XXXX XXXX XXXX order The following credit inquiries are related to none of the aforementioned permissible. Please remove these credit inquiries immediately.I would also like and updated report when this problem is corrected. Thank you so very much in advance XXXX XXXX I would also like my correct name and address and right social security number updated along with my phone number. I am attaching copies of all the correct items.
I had made a payment of almost {$3000.00} in XXXX XXXX to pay me up thru the end of the year. Received a bill in XXXX XXXX. I called Navient and asked why I was receiving a bill when I had paid in XXXX for the rest of the year. The Rep stated that only paid me up thru 6 months. I told her that was incorrect and also pointed out that if it was to cover 6 months, it would have also covered XXXX payment in full. She then stated that we I had a variable rate, so the amount paid in XXXX was not enough to cover. I then stated that I was not aware I had a variable rate loan and asked that a copy of my contract be sent to me. A week later, I received a typed letter stating I had a variable rate and my rates can increase monthly but no more than once a month. Still have not received a co py of my contract. I have also requested the payoff amount in writing and still have not received.
A XXXX XXXX " the Bank '' credit card was opened in my name without my permission as a result of my XXXX account being hacked. A purchase of {$2000.00} as made on the card without my permission. The fraud investigation process with XXXX XXXX is a joke. The claim was denied without the Bank even contacting me in person to gather facts. When I contacted the Bank to inquire of the claim status, they told me the claim was closed because I gave out my personal information ( so the card could be opened in my name ). That NEVER happened. I do not believe the Bank followed due diligence to fully investigate before denying my claims. The claim was just denied.
I have a commercial business card with my XXXX that is used for travel ( J.P. Morgan Chase ). On XX/XX/XXXX the university business office associate who handles processing of charges on these cards emailed me regarding unreconciled charges on my card of {$1300.00} CAD from XXXX XXXX and an international transaction fee of {$10.00} USD - these charges were from XX/XX/XXXX. 

These were fraudulent charges from an XXXX national purchasing a ticket from XXXX XXXX to XXXX. His name and passport information were included in the ticket, and the ticket number was on the credit card statement. The individual 's name and information were confirmed with a call to XXXX XXXX referencing the ticket number ( confirming that the charge was not from me ). I promptly called JP Morgan/Chase fraud department and reported it, but the time frame of catching the fraudulent charge was outside of their window and thus I filed a police report with our local jurisdiction, which was investigated and handed over to the FBI as the individual who used my card as fraud was an XXXX national and not a US citizen. They have assured me that we will not hear back from the FBI regarding the case, and that it is out of local police 's hands. 

I have since then been pressured by my university and the bank to pay, out of my own pocket, this charge. I believe I am entitled to an investigation as the evidence is very, very clear who the perpetrator was, down to his passport information. This was n't just a credit card charge to a random website, but was from an established airline with a clear ticket number that was not from me. 

If the CFPB can do anything to help me, I would be greatly appreciative.
I started paying windham professionals {$25.00} then increased it to {$50.00} for a debt held by XXXX  university. The debt when I started was XXXX estimates since starting paying the balance as of today is XXXX. I 've paid them more then that.
I have a master card with HSBC. A hold was put on my card around XX/XX/18 ; I believe because of increased activity due to holiday shopping. Since XX/XX/18, I have called customer service over 8 times. Each time I have been transferred multiple times and then placed on hold for up to 1.5 hours. I usually have to end call because after 1 to 2 hours I have work or other issues to attend to. I want to close the account because of this poor service but customer service says I can't until fraud department speaks to me. Even " direct number '' has resulted in these transfer loops and excessive hold times.
I was being proactive and reached out to the company, Synchrony Bank prior to my XXXX 2017 payment being due on my Care Credit account to advise them XX/XX/XXXX's payment was going to be late due to some financial issues but I assured them both XX/XX/XXXX and XX/XX/XXXX 's payment would be paid in full by XX/XX/XXXX 's due date of XX/XX/XXXX. They kept calling me several times a day after this conversation. I spoke with them again about a week later and explained the same thing. I continue to get several calls and voicemails per day. I finally got fed up with them harassing me all day on my cell phone while I am trying to work so I called them this evening on XX/XX/XXXX when I got off to set up a post dated check of {$180.00} for XX/XX/XXXX and XX/XX/XXXX payment plus the {$27.00} late charge they charged me, just as I promised I was going to do in the previous two conversations I had with them. They assured me after I post dated a payment with them out of my bank account the calls would stop. I set up that payment today when I called them back at XXXX ( per my phone log that I have included in the photos ). I received a confirmation # of XXXX. As you can see in my phone log I have attached in photos, they then proceeded to call me again 20 minutes later at XXXX. I called them back again at XXXX and advised them to stop harassing me and calling me that I just set up a post dated payment covering both payments and the late fee. I also told them that this has been the very first time we have ever been late on our account in approx 2 years and they needed to stop. In the past 2 days, they have called me 8 times and left me 3 voicemails ( see photos of phone logs ). This is harassing and excessive for the first time being late and not even being 30 days past due. This absolutely is ridiculous and needs to be addressed.
This company continues to call prior to XXXX. I do not answer, as my phone is on silent, but I know who it is and it needs to stop.
I submitted a dispute with Experian on or around XX/XX/2017. An item that i dispute, as the account is not mine, came back as updated. I contacted Experian twice on XX/XX/2017 and asked how the items were verified. I was advised by the 1st customer service rep XXXX that Experian is not required to provide any verification to me. I asked for a supervisor and was informed that a supervisor was not available. I gave XXXX my number and he advised that a supervisor would call me within 24-72 hours. I feel that this is unacceptable timeframe for a return call. I called back 3 hours later and spoke to 2nd customer service rep, XXXX. XXXX stated that if the account came back as verified then I would need to reach out to the creditor as Experian is merely the middle man. She stated that they only report the dispute to the creditor and that they are not responsible for any verification of alleged debts.She said that the disputes were electronically submitted to the creditor and that they received an electronic response stating that the account belongs to me.I was told that they do not have any documents, only electronic files. I requested proof of verification. I was informed that the only information that they could provide to me was that the account was verified and referred me to the creditor. 
I would like to know where are the documents that were used to verify these accounts? What is the name of the person in the company who verified and authenticated these accounts? What documents did they use to verify them? Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXX
I have been approved into PSLF ( Public Service Loan Forgiveness Program. My loans were moved to FedLoan.org. My employer ( of 16 years XXXX XXXX ) has been approved. I received my qualified loan payments to be XXXX. I have requested a review and specific breakdown of why so little of my payments are approved toward my loan forgiveness. I have had no response.
I have been paying in some form of income based program for my student loans for 15 years. I have been under the IBR program at least since 2013.
I have grave concern this is a way to delay my ability to apply for loan forgiveness.
I have a XXXX and XXXX degree in XXXX XXXX, I am a XXXX XXXX XXXX XXXX XXXX who has been utilizing my skills working with some of our most disenfranchised populations in the XXXX XXXX for 16 years.