WillisBack/dataset-financial-user-claim huggingface dataset:
The company called " The Best Service Co. '' has a representative handing my account. During each of my encounters with this collector XXXX XXXX while I attempted resolve my debt, I was verbally abused and he was very hostile towards me each time we spoke. I remained calm and professional even though he was not professional towards me. He was yelling so loud at me and was being so verbally abusive during my last encounter that my husband could hear him clearly and began recording our conversation after I asked XXXX XXXX if their was someone else that can handle my account. XXXX told me there was no one else that I could speak to. I told him that, I wanted to settle my debt and would like make payment arrangements. He then told me, " Why should I help you, after you hung up on me? '' I told him that he had called me while I was at work and I can not receive calls during this time at the hospital. XXXX continued to be rude and argumentative so, I asked to speak to his Supervisor. With reluctance he finally placed his Supervisor XXXX XXXX on the line with me. I began to tell him that his employee is disrespectful and very rude. I was immediately cut off by XXXX, he interrupted me to say, " that 's what every one says when they do n't make a deal with him. '' I responded, I called you guys to settle this debt, is everyone there this rude and are you telling me that he has the right to be rude to me and treat me any way he likes just because I have a debt with your company? He responded, " well how did he treat you ''? I told XXXX, I was trying to explain how XXXX was treating me but, then I was interrupted because you cut me off. I told XXXX that XXXX XXXX was very rude, unprofessional and on your recording it says your a XXXX, he is no were near professional. I then stated I called him, he did not call me to settle this debt and asked XXXX " Are you telling me as his Supervisor that you can not settle this debt with me? '' XXXX XXXX responded, " You know what, I trust XXXX XXXX judgment and therefor I 'm not inclined to over rule his decision on whether he wants to settle this debt or not. '' I became very upset because not only was I treated disrespectfully and verbally abused by XXXX XXXX, now his Supervisor XXXX XXXX has not even attempted to apologize for the actions of his employee. XXXX did not allow me to express my deepest concerns and issues. Instead he automatically took the side of his employee XXXX without even listening to what I had to say about my interaction with XXXX XXXX. As of now I do not know what the exact amount of money I owe to XXXX XXXX. I want to know what the loan was originally purchased for from XXXX XXXX and what additional charges I 'm being charged for by The Best Service Co. so that I can fully understand this debt. If I can not be given a complete break down of charges, this is in violation of the Fair Credit Reporting Act. I will not pay for something I have no complete knowledge of regarding debt. I have attempted to resolve this matter. I have called this company to resolve these issues and I have not had any success.
This complaint is centered around the practice of forcing me ( student loan borrowe ) into forbearance for a longer time period than necessary when I was recertifying my income for income based repayment programs. 

In XXXX XXXX, my payment due skyrocketed from the normal {$670.00} REPAYE payment, to a standard payment of principal and interest of over {$3300.00}. I was told that I failed to recertify my REPAYE. I believed that was false, as I contend that I had already recertified and in fact my payment under the REPAYE program increased in XXXX XXXX after I recertified in XXXX XXXX. XXXX denied any knowledge/record of a recertification in XXXX and said that I must recertify ( again ). Having no other option, I began the process. As is the standard practice during the period of recertification, I understood that my loans would briefly go into forbearance. However, I asked, and it was notated on my account, that the forbearance be for the shortest possible time period. I asked that as soon as my recertification was approved, my REPAYE resume. 

I submitted recertification, on XXXX XXXX, XXXX, I received an email that XXXX received my submission for the recertification of my plan. On XXXX XXXX, XXXX, I received an email from XXXX notifying me that my REPAYE recertification was approved. 

I expected to be taken out of forbearance in XXXX. In fact, I have a letter dated XXXX XXXX indicating my forbearance began XXXX/XXXX/XXXX and ended XXXX/XXXX/XXXX. However, I received a letter on XXXX XXXX, XXXX saying that my first REPAYE payment was due on XXXX/XXXX/XXXX, meaning I was going to remain in forbearance for the entire month of XXXX XXXX. 

I called to discuss that with a representative because I saw no reason and had no desire to remain in forbearance for the month of XXXX. My recertification was approved and I should have begun paying the REPAYE amount in XXXX not XXXX. The representative tried to help me but was told by a supervisor that it is XXXX XXXX  policy to keep a borrower in forbearance up to 60 days when recertifying. I argued that my recertification was approved and this tactic was improper. No help was offered. The result, of course, was that capitalized interest was added to my account for both XXXX and XXXX XXXX. My argument is that adding capitalized interest for the month of XXXX while forcing me to remain in forbearance was an abusive tactic and a way for XXXX to churn fees and deceive borrowers. The total interest added to my loans for the forbearance period of XXXX and XXXX is not insignificant - it amounted to {$6400.00}. In two months time, by no fault of my own, my loan balance increased by {$6400.00}. It 's unfathomable. 

Later, on XXXX XXXX, XXXX, an additional {$2700.00} was added to my account as capitalized interest from being in forbearance. I do n't know what that interest amount stems from and have not received an answer. 

Please help stop this practice.
I had my loans sold to Navient when starting school back in XX/XX/2010. Since then, there has been no assistance with help to make reasonable payment options. Even when you're told you are placed in deferment for school, they place a Forbearance on your account and charge you huge amounts of interest, that negatively affect your credit for the worse. Just recently, I became XXXX and was placed on XXXX XXXX. I could no longer work. I called customer service with help for my options. I was not offered a deferment, when in fact I still have deferment time left ... ... Instead they placed a Forbearance on my account, charged me interest through the roof. Took weeks to email the information I requested about an income repayment, and then my score dropped by 155 points. I feel as though Navient, bullies students into more money. They do no address your issues no help you, it's a scam.
I had a car loan with Santander USA for a whole year I paid them and nothing was apply to my account. This was over 3 thousand dollar, XX/XX/XXXX was suppose to be my last payment but they said I had to pay them for another year. Just this year I got another bank to refinance my car loan. But these people still took money I already had paid them. I had documentation to support this.
In XX/XX/XXXX, I received noticed that I was being sued by XXXX XXXX XXXX XXXX XXXX for a debt not paid from XXXX XXXX XXXX for about {$6000.00}. I went to court with my lawyer since the original loan document was not signed by me. The original loan document had my " signature '' but someone falsely signed my name. We went to court in XX/XX/XXXX and the judge deferred in my favor because the signature was not mine. 

XXXX XXXX XXXX XXXX XXXX was supposed to remove this negative information from my credit report. I assumed that they did. 

In XX/XX/XXXX, I contacted a mortgage company to get pre-approved for a home. I was told that there were accounts that were reporting delinquency on my credit report. The accounts were through a company called " Transworld Systems Inc. '' I had never received notification from Transworld that they were collecting a debt. I called Transworld and they explained that they received the account from XXXX XXXX XXXX XXXX XXXX and were attempting to collect a debt. I explained to Transworld that I have a judgment in my favor regarding the student loan and that they do not belong to me. It took multiple calls from me to Transworld to be able to speak to a live person. They called me back and indicated that all of the accounts would be wiped from my credit report. 

A few months later I noticed that they were still listed on my credit reports. I tried calling several times and never was able to speak to a live person OR get a phone call back. 

I submitted a complaint with XXXX ( since they were the originator of the loan ) and sent them my court documents and they replied asking for the court documents ( even though they were already sent ) and nothing was ever done. 

I believe Transworld Systems is a scam in that they were trying to collect a debt that I did not owe. They do not have a working telephone number on their website. They are almost impossible to get in contact with.
XXXX XXXX XXXX is showing that I am 30 day late for XXXX. 
My credit report is reflecting the late payments as seen below. These accounts are in error because they were paid on time. Please reinvestigate the following accounts and update my credit report to accurately reflect my credit history. Pursuant to the Fair Credit Reporting Act I will expect you to complete the verification within 30 ( thirty ) days.
To whom this may concern, I 'm writing to seek some assistants in regards to a property that I 've tried for several months since XX/XX/XXXX to complete a short sale on a home. The lender has not called us back or followed up with us. The person assigned mentioned last time we spoke with was over a month ago said that she was going to review the documents and offer, if she was missing anything she was going to call us and let us know, we never heard back. So we called and called with no call back. Once we got her on the phone she did n't remember the conversation and once again told us that she would review the documents and offer and submit it over to the investor for approval, we still have n't heard back. We 've called left at least 3 messages a week on her voice mail with no return call back. They have linked my office phone to only go to her extension so I ca n't talk to anyone else. Now they have set another foreclosure sale date set for XXXX XXXX. They are not reviewing the file or the short sale of the home and will not advise us as to why or follow up with our numerous attempts. Please help us in away possible as we have had this offer with them since XXXX XXXX 2015. This seller has filed bankruptcy and the lender has tried 3 times to take the seller to court to foreclosure on the property but everytime it 's thrown out because this property has a bad deed. In XX/XX/XXXX we 've also submitted in a value dispute with no response back in regards to that either.
I contacted the companies to ask for proof that I authorized this inquiry and have not been provided proof to date. Two accounts were for I believe rental property and capital one auto finance have ignored my request for proof of my authorization.
Ability Recovery Services placed a collection account on my credit report. I received notification from XXXX on XX/XX/XXXX. On the collection account they listed XXXX as the original account holder. They listed recent dates on my collection account. They stated account was opened on XX/XX/XXXX and was updated on XX/XX/XXXX. I called them and they stated this was from over 5 years ago or more. They confirmed this was from XX/XX/XXXX at the earliest. I have lived at the same address for almost 4 years, and have had the same phone number for over 3 years. I have never ever heard from this company. I was under the impression my course was cancelled with XXXX because I beame totally and permanently XXXX. I think that Ability Recovery waited until I applied for a mortgage ( XX/XX/XXXX XXXX and then listed the account on my credit report because I was applying for a FHA mortgage and would have to pay before closing. I have also reported this to the Federal Trade Commission. With the reputation of XXXX being untruthful with students and issues with Ability Recovery Services, I think further investigation should be warranted. I have attached the listing from my credit bureau and also my total and permanent XXXX student loan information stating all my loans were forgiven due to permanent and total XXXX.
Santander Consumer USA receives my auto loan payment each month as agreed but has been reporting to the three credit bureaus since approximately XX/XX/2017 that the account was charged off. I've contacted them by phone and mail but they refuse to help resolve this issue. It has caused negative credit consequences for both myself and the co-borrower on the same account. The three most current statements are attached.
My vehicle loan with XXXX XXXX XXXX was in default and the finance company took the steps to remedy this default by repossessing the vehicle. Once the vehicle was repossessed, I was sent a figure about what was owed to pay off the vehicle. 

Approximately a month later in XX/XX/2018 I received a check for approximately {$2100.00} dollars as surplus from the vehicle being sold and paid off and the amount of {$16000.00} was removed from my credit report for this debt.

During my attempts to cash said checks, it was advised through my financial institution that a stop payment had been issued onto the check. I called to confirm what had happened and was advised that there was an error in sending the check and in fact the vehicle had been sold but due to an internal error the check shouldn't have been sent out. 

My credit score monitoring apps showed that my car had been paid off and the balance was no longer reporting on that debt. Then this week, after no calls, letters, or any indication, my credit scored dropped 30+ points right when i was working on a pre-approval letter for the purchase of a home. 

So now, I have a score that is vastly reduced, a debt that was satisfied through the sale of the repossessed vehicle, and a current derogatory payment on my credit file for something I had no idea existed. I would like the entire item post XX/XX/2018 removed from my consumer credit report due to numerous errors.
My credit report from all 3 of the major reporting agencies are being pulled by XXXX XXXX XXXX. Address of the company is listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, Phone Number XXXX Per my conversation with them they indicated that XXXX XXXX XXXX requested it and they are just the contracted agency and they work for XXXX. I explained to Mr. XXXX XXXX and others from XXXX XXXX XXXX that neither XXXX nor they had my permission to pull my credit report. 

I have had 4 hard inquires now and it is affecting my credit.

This is FRAUD.
My checking account with Capital One Bank was compromised in XX/XX/XXXX. I discovered there were fraudulent checks deposited through my mobile banking and then withdrawn. I contacted Capital One, filed a police report, signed an affidavit and my case was assigned to a fraud XXXX for Capital One. I spoke with her on a few occasions, sent all of the documentation to her. In following up, I was told that she could not contact or get any cooperation from the XXXX Dept and basically that because they took a loss, that I would have to take a loss for the money that I had in my account prior to the breach. Subsequently, I received XXXX calls from their collections department claiming that I owe them money for overdraft fees associated with my account. I explained to the agents both times that I had a fraud case, did not owe them any money and wanted to know who to get my money back. Each time they said, we will call you back and nothing. I then received a cancellation of debt XXXX for {$960.00} for XX/XX/XXXX. I have attempted several times to call the fraud XXXX and it goes straight to voicemail. I was treated as if I was the criminal and not the victim.
This company continues to make multiple phone calls within a day. I've reported this to them on multiple occasions and asked that it cease. They respond with an apology and then they tell me how many times they " see '' that they've called, yet it doesn't stop. Most recently on the following dates and times this year : XX/XX/XXXX, XXXX XXXX   ; XXXX XXXX, and XXXX XXXX On XX/XX/XXXX, XXXX XXXX, and XXXX XXXX On XX/XX/XXXX, XXXX XXXX and XXXX XXXX On XX/XX/XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX c.s.t. Generally, the first one/two calls they won't say anything and they disconnect the call and by the second/third call a collector is on the line and this goes on monthly. I've advised them that this is harrassment and they need to stop. I owe them approximately $ 3k inclusive of past due and late fees. I was paying on time until my car broke down twice in one week and other circumstances beyond my control causing a downward spiral pushing me further behind. I immediately contacted them asking for a payment program on multiple occasions to help me stay on track and they continuously refused assistance. They told me to pay what I could, which I was doing but at times a week after paying, here come the calls once again, and with the late fees and interest it became too much for me to handle. I continued to pay the minimum monthly payment which wasn't doing anything at all so they advised me on what they had to do as collectors.
I have called discover and I have asked them to remove the inquiry on my credit report for all 3 credit reporting agencies. I asked Discover to provide the ip address that was used or the application that was mailed out to discover. They have not produced any documentation stating that this account is mine or the inquiry belongs to me. I asked the lady over the phone if this is common she stated yes. Instead she mails a letter stating that the inquiry is valid and I will not have the inquiry removed of all three credit bureaus. XXXX, XXXX and XXXX. I am know asking Consumer Financial Protection Bureau to enforce state or federal law and assist me in getting a copy of the phone call that took place before the letter was mailed out. I have a copy of the letter that was mailed out it should not be difficult for discover to produce the ip address or the copy of the application that they received in the mail. I am not sure how consumer financial protection bureau helps consumers get their money back but I will ask and I would appreciate if they explained to me how this procedure works. Please assist me. With my scores as low as they are it would not make sense for me to initiate a application. I for a fact know that it was not me. Discover is unwilling to assist.
I had a negative escrow balance on my mortgage, I sent my mortgage company {$3000.00} to be applied toward the escrow, switched home owners insurance carriers ( {$1400.00} difference ) and have paid and extra {$480.00} dollars to be applied toward the escrow for the past XXXX months ( {$1400.00} ). I 've called at least XXXX a month since XXXX 2015 asking for a new escrow analysis to be done and I 'm always told the order is put in and I should receive something within XXXX business days. Each time I call, the previous order was never completed. I 've applied a total of approximately {$5800.00} toward my escrow and Ocwen refuses to recalculate my monthly payments.
I have been dealing wi th Navient for far too long. They are expecting me to pay close to {$1000.00} per month. When I call to speak  to someone, they hang up on me. This has happened several times. When I have tried to fill out the online form, I get an email stating they have received it, but there is no evidence of it on my account, and no one has reached out to me about my concerns. I feel like they are taking advantage of their customers and completely setting me up for failure.
I am a Countrywide victim. My mortgage was acquired by Bank of America as a result of the financial crash of XX/XX/2008. XXXX XXXX XXXX XXXX purchased my mortgage from Bank of America. Now Bank of America is the servicer for my mortgage on behalf of XXXX XXXX XXXX XXXX. I submitted an application for loan modification to Bank of America. Bank of America is demanding financial documents that do not exist and they refuse to accept financial documents that provide the same financial information, but are in a different format. For example, they are requiring that the document contain the word " statement '' and have a " beginning '' and " ending '' date and that the document must be issued monthly or quarterly. Some financial institutions do not issue monthly or quarterly " statements '' and instead issue a " transaction history '' which contains the same information. Bank of America told me to get letters from the financial institutions explaining that the financial institutions do not create the type of financial documents that Bank of America is demanding, but that other documents which provide the same information do exist. I obtained the letters and submitted them to Bank of America, but then Bank of America refused to consider them. Also, Bank of America keeps claiming that I did not submit documents when I did submit them and I can see those documents on their website. Also, XXXX XXXX XXXX spoke with Bank of America on one occasion, but then Bank of America said that they will no longer speak with XXXX even with written authorization from me. Therefore, Bank of America is not allowing XXXX to fully assist me. Bank of America also sent me a letter telling me that they are no longer " actively '' considering my application because I refused to submit the documents that they demanded, but also said that the application is still " pending '', and that they can still seek foreclosure if necessary. This constitutes " dual tracking '' and is illegal. They also told me that if I still want to have them consider a loan modification, then I would have to submit a " new '' application even though they did not make a decision on the first application. They also took away my " point of contact '' at Bank of America. They also cut off my online access to my application and informed me that they have " exited '' me from the system. Bank of America is claiming that XXXX XXXX XXXX XXXX is the one who is making the decisions, not Bank of America. Bank of America will not allow me to speak to the Underwriter. All of their conduct prevents me from taking an appeal of a denial and enables them to claim that they did not " deny '' my application.
On XX/XX/XXXX after getting off of my serving shift, I walked to my local Wells Fargo location in Downtown XXXX XXXX, PA to deposit {$130.00} cash into the ATM. The machine only credited my account {$5.00} dollars. As soon as this happened, I called to file a claim with Wells Fargo. They told me it will take over a month to hear the result of the claim. Being a student who desperately needs the money to pay rent and for books, I called back the next day. They credited my account {$130.00}. 

It is now XX/XX/XXXX and after looking at my account, I have noticed that they removed that credit on XX/XX/XXXX. 

There is still {$130.00} that I deposited into the ATM that is not in my account. The claim that I opened was unsuccessful in locating my money. I believe the employees at the bank did not search the ATM when I called or they saw the money in " limbo '' and took it for themselves.
we was told by underwiter and my customer assistance person that if we move back into the property that me and my husband will qualify for a loan modification ... however they denied the modification on XXXX XXXX 2015 and reason for denial is that we do not live in the property, which is a lie, we moved from XXXX texas back in the property with all proof, to be denied XXXX months ...