WillisBack/dataset-financial-user-claim huggingface dataset:
The first and most prevalent situation being the financial, I secured two different student loans totaling {$74000.00} through Sallie Mae, then consolidated them in XXXX to begin repayment. Over the years the loans were consolidated and that consolidated loan was transferred to XXXX  XXXX. During the life of this loan I have made 187 full and partial payments averaging {$620.00} per payment for a total of {$110000.00} paid toward principal and interest on the loan. There have been times that I have deferred payments through XXXX Forbearance option, for an estimated total of 25 months out of the past 209 months. 
A side note, Navient is currently being sued by the States Attorney Generals of Washington and Illinois for predatory lending practices and over use of the Forbearance option which is vastly more expensive for the consumer as compared to other available options for payment allowances. Navients preferred use of the Forbearance is predatory and overwhelming slanted toward enriching Navient. 
This loan is compounded daily at 8.25 % interest, during the forbearance periods that I utilized, the interest is capitalized thus increasing the principal balance at a rapid rate. Meanwhile, at no time does Navient provide monthly statements itemizing the principal balance, capitalized interest added or the new balance amount, thus leaving the consumer virtually unaware of the compounding affect of forbearance on their overall position with Navient. The total capitalized interest as per Navient records during times of Forbearance totaled to {$28000.00}, meanwhile the current principal balance has increased from the {$74000.00} to a new total of {$83000.00}, despite 187 payments totaling {$110000.00}. 
I am not a forensic accountant but I do have a better than common understanding of accrued interest and debt service. these numbers combined with Navients failure or refusal to produce monthly statements itemizing totals and balances, lends me to suspect outright fraud. Navient will only produce documentation pertaining to payment history and capitalized interest ; there is no record of past or new balances on a monthly or even annual basis. If, for lack of any other choices, I continue to pay off this loan through full amortization I will have been required to pay $ 750+ per  month for a total of {$270000.00} ending year XXXX, for an original {$74000.00}, I will be XXXX years old. If this is the price for bettering yourself, what is the point?
They have been calling and harassing me even though I told them I will pay them by a certain date. They got ahold my work number and called me on it. He refused to hang up, he was threatening me with legal actions and he instructed me to get the money from wherever I can even though I did n't have it for another two weeks. I told him I was XXXX and I can not have this kind of XXXX and I will pay them in 14 days, he would not listen just kept on going on about how I can ask someone for money to pay them. 
They are calling me multiple times a day and this time when I picked up and explained again the situation the manager was rude, harassing.
On XX/XX/XXXX an ex of mines stole my card. They also went ahead and stole my phone my wallet accompanied by my debit card. I contacted Wells Fargo Bank as of Monday in order to to inquire about my lost card as well as transactions being made on to my account that weren't authorized by me because my card was stolen. I was told that would be checked into and that funds will be directed back into my account after investigation is done. I checked on my account multiple times throughout the week without any type of reach out from Wells Fargo, then on XX/XX/XXXX I reached out to Wells Fargo claims department and they told me that my claim was going to possibly be denied although it was still open that my claim was going to be denied because the ATM transaction withdraws were authorized because he had my ATM pin beforehand. I have a police report number, I have my attorneys number, and I have all documentation from reporting the fact that my things were stolen on that date. When I told Wells Fargo this they still told me that they were not able to reimburse the charges over to me because they claimed they were authorized and valid I asked to speak with multiple people as well as multiple people to take legal action against Wells Fargo because they are being fraudulent as well by letting these charges go through on to my account.. when I was transferred over to a supervisor and let them know that I needed information in order to take that legal action against them they then told me that they were disconnecting the call and hung up on my face I have recordings of this as well as I have again all documentation of the report and of the theft the amount that I am filing a claim for is {$400.00} I need help with this because Wells Fargo is crooked and they are not trying to help me this has interfered with my rent and my living status as well as my food and my transportation please help.
My wife and I were in the process of purchasing a home. Due to construction issues the seller ( builder ) was willing to remove {$2000.00} from the price of the home. When we contacted the bank we were led to believe that it was not possible to reduce the selling price even though buyers and sellers agreed. Wells Fargo claimed that there was not enough time to perform an inspection and still close on the house in the vicinity of the original closing date. After agreeing to settle the matter in a different way, without reducing the sell price, or involving the bank, a final inspection of the home was completed at the request of the bank for another reason between the time we spoke to the bank about adjusting the sell price and the closing date. This proved to us an inspection could be done in the original time we requested. We were forced to accept a less advantageous arrangement to exchange the {$2000.00} with the seller. 
Also, throughout the process, Wells Fargo produced multiple closing disclosure forms and were sending revisions multiple times a day, all with different amounts. When my wife and I showed up to the closing we were informed, with half an hour prior to our banks closing time, that we owed an additional {$2000.00}. Neither the Wells Fargo nor the attorney took the time to assure that we, the customers, were aware of yet another revision to the closing disclosure and that the amount required for us to complete the transaction was correct. 
Overall Wells Fargo did not appear knowledgeable of the process, made too many revisions and mistakes to the closing disclosure document, under-communicated changes when they were made, and took on an air of superiority instead of service to us, the purchasers of the loan, who are supposedly the customer in the transaction.
XXXX  XXXX, XXXX, XXXX  ETC.. ARE SHARING NEGATIVE INFO AND PULLING EXCESSIVE INQUIRIES.
My Subsidized loan from US bank is serviced by XXXX XXXX XXXX and recently transferred to XXXX XXXX. 

My interest rate with XXXX was 1.25 % with incentive program utilizing direct draft with on time payments for XXXX years. My loan was transferred to XXXX XXXX XXXX XXXX without notification from XXXX by email or by letter correspondence. When I spoke to XXXX they told me they did not have any way of verifying a letter was sent. 
Because my direct draft was not set up with XXXX XXXX upon transfer I was unaware I was missing payments until I was 3 months late. XXXX XXXX has now removed my incentive and my current interest rate is 2.87 % because of delinquent payment. 
Once I realized what happened I contacted XXXX XXXX and made payment in full and set up direct draft. However I was told that I was no longer able to receive any incentive and my interest rate will stay at the higher rate. 

I feel this is considered student loan consumer fraud for service providers to transfer loans back and forth knowing that a few consumers will not recognize the direct draft is cancelled and allowing the new providers to charge a higher interest rate for failure to make payment. In my case more than double.
My Identity was compromised because of the Equifax Breach. 
Charges were made to an existing account ( I closed it ), a new credit card was established ( I notified XXXX ), a XXXX Cellphone service was established ( I contacted XXXX immediately ), and my mailing address was moved via the United States Postal Service. 
" THEY '' have all my information including my Social Security information. 
THE USPS has yet to resume mail delivery or give me definitive answers as to when and if my mail was recovered/will resume. I notified them as soon as I received the notice from the USPS stating it had been moved on XXXX/XXXX/XXXX and the notice they sent me was XXXX/XXXX/XXXX. Equifax was supposed to freeze and place alerts on all three credit services. It does not appear that this was done. 
Equifax and the USPS has been a nightmare. No one gives you definitive answers and the USPS has  the fraudulent address and even though I contacted the Inspector General 's office, the local police where the mail is going ( I only know the town and state ) no one is acting upon it. The US Inspector 's office brushed it off and the local police has not returned SEVERAL calls and emails. 
EQUIFAX is the source and they are impossible to work with. I tried to find CORPORATE telephone numbers and it is impossible. 
It is too bad they DID NOT protect our information as well as they are PROTECTING THEIR CORPORATE EXECUTIVES contact information. 
This is a disgrace. Both the United States Postal Service and EQUIFAX needs to be held accountable and consumers need to know how destructive this breach is to a person. Please contact me and publish this email. 
Thank you
XXXX has frozen my account and denied me access to my funds and provided no explanation. I have called and requested access to my funds and an explanation and have been provided neither.
We know that we have fallen behind on some payments but the company has told us if we show proof to why we are behind they can do a two for one payment or pay such amount that it will catch us up. But in reality we now owe more than the worth of the car. We got the car XX/XX/2016 for XXXX now they are saying we owe over XXXX for the car. We have provided documentation Everytime they have asked for it.
portfoilio recovery continues to call my phone an harrass me about this debt.. everytime they call i block them an then here they are again with a different number
We have submitted the loan modification review for my property. However, the lender was denied and did not give us any types of modification. Since we are facing with hardship and want to sell the house under short sale. We have submitted the other request for short sale after they denied loan modification. We have submitted on XXXX XXXX, 2016 and got offer. We have tried all best to comply with lender as they expected. They forced us to sign the auction agreement with XXXX. We had signed and just a matter we need help to move on with our life for short sale and relocation assistance. 
However, the lender called my agent today XXXX/XXXX/2016. They told my agent that they denied our short sale because the sale date is coming XXXX/XXXX/2016. They said that I did not submitted the short sale request on time. 
It look like I will be in trap as other victim homeowner to be foreclosed soon with NATIONSTAR MORTGAGE. As the short sale submission, that we requested over 45 days before foreclosure sale date, they did not help us and claimed on not sufficient time. OMG, what did the lender do for my file since XXXX XXXX to now. They have sent XXXX appraiser out and we did follow and now no time. Wait a minutes, is it right to do that and kick us out of our house and sell the house for their internal investor? 
I am having bad experiences with Nationstar since my attorney told me before that my mortgage was making wrong at first place and cause to my mortgage keeps increasing. The bank did not access my mortgage and income documents correctly and now they did not help and just want to foreclose. I never want to foreclose my house and want to keep it. 
However, it is not my fraud and its bank fraud and did not check what did the mortgage broker and loan officer while they were taking my application. Our income was inflated and we did not know they cheat on us. Now, they dont take responsible and just want my house and kick us out. 
Is it fair for us? We need somebody to judge on my account and help us to bring the fishy to light. They must either help me with affordable payment or short sale in peace.
i sold a car the person sent me half the money then once they received the car they sent the other half through XXXX i once the money was transferred to my account my bank locked me out this frustrating because im out of a car and the money there telling me to get in contact with the buyer and i can't locate or contact the buyer i really need help with this
I applied for a the Citi Gold checking account using the code XXXX. This offer rewarded the user XXXX XXXX XXXX miles after spending {$1000.00} dollars and making XXXX bill pays. I confirmed via chat message that I was enrolled, that I had met the terms ( XXXX/XXXX/2016 ), and that I would be receiving the miles no later than XXXX/XXXX/2016. I have still not received the miles. I have called Citi 3 times in the last couple weeks and each time they tell me they have opened up an inquiry and I will be contacted in a couple days. I am yet to be contacted.
Time Finance company is calling me repeatedly today XX/XX/2017 The called 6 times in a row around XXXX I was at the doctors and left a voicemail they have called 4 times after through the day ... .a voicemail is considered contact as well
I have called numerous times trying to work something out with them. They lied and told me that they would defer a payment or put a payment in forebearence if I caught it up to date. I did and then they refused to do it. They called me, I thought it had been deferred they informed me that whom ever I spoke with did NOT in-fact defer my payments. I skipped that month thinking it was taken care of. I had been in an automobile accident and needed a month, which I was told I had at that time. I was informed that now I have to pay that money again only to catch it up again with the money I do not have. I told them I would pay something by the end of the month and they continue to call me from private numbers which have no way of contacting them back. They also call me up until XXXX at night sometimes XXXX. also on Sunday 's. They have been told not to contact me at those times. I explained to them I am in the same business and know the ropes. They call XXXX times a day even after I have promised to pay on the account. They reply with " I can call you anytime I would like. '' I have tried numerous times to work out something with them. They are beyond rude and although I told them to contact my attorney they refuse to do that. I have an attorney on retainer but do not want to use that option. The company is Navient/ XXXX . I went to school at XXXX XXXX XXXX University. I did not get to finish my degree due to lack of money.
I have an excellent credit and chase credit card charge me a 27.99 % interest rate and I was told they can not lower my interest because when I open the account, that 's how the interest rate was, that 's more than 10 years ago, I told them that I am always on time making my payment and never late, I was thank for that, and XXXX XXXX a supervisor said he can not help me with that, this is not right, I ask what is the interest rate for a person with bad credit 50-60 %, apr or what is it, I told them iam am even tempted to default in the account, this is robbery and abuse for the consumers, you want us to fail on this difficult time
I have disputed this account with XXXX for more than a year. The account was deleted then placed back on my credit file. My identity was used fraudulently as I stated in the police report sent to XXXX a year ago.
I have been enrolled in Experian 's TripleAlert credit monitoring for a number of years. On XX/XX/18 I received an e-mail from them telling me they were " upgrading '' me to a more expensive service ( $ XXXX/mo vs. {$4.00} ) which I never asked for, so I decided to cancel. There is no means of doing so online nor does the website give a mailing address -- only a telephone number and an e-mail address. On XX/XX/18 I called the telephone number which connected me to an automated system ; it asked me for various personal identification data ( which, oddly, did not include my account number ) and then told me they had no account on file matching that information and then disconnected. There was no provision for speaking to a human operator. I made numerous retries over the next several days, both to this number and to several other Experian numbers which I looked up ; all led to the same automated system with the same result. 

Meanwhile, I sent e-mail messages on XX/XX/18 and XX/XX/18 to the address given in Experian 's FAQ. I have not received a reply to either. I am effectively left with no means of canceling.
I had previously submitted information for a complaint against the bank 's attorneys but it seems that there would be better chance for success filing against Chase Bank itself. The title company has definitely tracked the money that far. 
The title company received the payoff amount very late. I did n't even see it until I walked through the door at closing. It includes items for " estimated attorney fees and costs '' amounting to {$3200.00}. I can not image what this could entail as this estimate was received the day of closing. This was a straight forward sale. No short sale. There were also " Incurred attorney fees and costs '' of {$100000.00}, in addition. Several days later I received a refund of {$75.00} marked PIF.. How can there be a final reconciliation of fees and costs without accounting for these estimated attorney items? I am attaching the payoff quote.
submission, [ Case number : XXXX ] I received a response from the HSBC, it was inadequate, they were sued and I was a victim of HSBC failures. they want to hand this issue off to another servicer, as if I was n't serviced by HSBC, repair their image. 
I asked for a VA loan, HSBC promised me a principle reduction, my loan is in a modification. I did n't see any paper work in the terms of the modification, which I understood my rate would not change they lied, I did n't see anything about a principle reduction they transferred my loan. please forward my case to the legal department the was recently awarded a settlement HSBC. My case should be awarded like the many of their customers that were caught up with the Mortgage practices of HSBC. please forward my case. I was also kept from doing HARP, by HSBC. I am experiencing a hardship due to HSBC practices.
The bank opened my account TWO Days ago yesterday I was able to put money into the account but today I can not remove it
I have tried to send money to people that I know. This company keeps stopping the transfer. After many call transfers I finally get someone to tell me that they do not like my sending history. This is NOT their concern. Their business is to facilitate sending and receiving money. They have no business in making this decision. I take responsibility in deciding to whom I send money. 

I would like a written statement from a company XXXX that they will cease and desist in this practice. It is not right and needs to stop. Very poor business practices.
I 'm making a complaint against Experian because they are reporting information that is inaccurate, incomplete and does not belong on my credit report. I am including in part, my dispute with them and I need to see the actual petition that they are using the verify this bankruptcy or it needs to be removed. XXXX states that they must have the petition in their possession to legally verify and that is the only form of legal verification. Anything else is hear-say. The court states that they do not verify with the credit bureaus which means that they have not verified this. I am getting XXXX responses from them : # XXXX this will stay on my credit report for XXXX years and # XXXX this will not be investigated. That is a violation of section XXXX and they violated XXXX by not sending my all docs in my files that they are using to verify. 

My dispute : XXXX BKPT CT CA XXXX AN XXXX There is no such court named : XXXX BKPT CT CA XXXX - all courts must be listed accurately and completely and the name of the bankruptcy court is not what you have listed! You MUST list this as a bankruptcy court with city and state and can not be abbreviated for convenience and space! 
Date : XX/XX/2010 - this filing date is not at all correct and I would like to see the actual petition that you clearly have in your hands as you have " verified '' this information each month Plaintiff : I can see that you have no plaintiff listed which means that I do n't owe anyone money and never did - a plaintiff must be listed on a public record Docket # : You have XXXX listed - send me the petition that shows this EXACT docket # - I know this to be untrue and inaccurate : there is no " XXXX '' listed in the docket # My requests are listed below : # 1 Produce the petition that you used to " verify '' this bankruptcy - the court has notified me that they do no such verifications with any of the credit bureaus # 2 Produce the petition that shows the exact information that you are reporting on the credit report that I am attaching to this letter - please do not send me a letter stating that public records stay on a credit file for XXXX years - this is not an acceptable response and is not legally variable without the physical petition ; bankruptcies can not be verified without this information # 3 Remove this inaccurate account from my credit report right away - the proof is in my letter
Based on the information that was sent to me b y Ability Recovery Services, t he date of first delinquency was indicated as  XXXX   XXXX ,  XXXX . But the documentation sent and an email from the original collector indicates the date of delinquency in  XXXX .
On I had {$90.00} return payment. I had issue with my XXXX XXXX. Which did get resolved. I quickly called XXXX to let them know I had gym payment that came out twice but I was getting refunded for the amount. I spoke to rep name XXXX in ach. I had ach issue before and she help me handle that problem. Since the previous issue was correct. I did n't want this small things to become and issue XXXX advised that she would watch my account to see when the return payment would happen. On XX/XX/XXXX Monday I call and she stated it probably will be Wednesday before it show up. I advised I would be going out of town for work. I would try to deposit cash in ATM at a branch or non branch here in my town. I was n't advised that a deposit at non branch would take several days to post. On XX/XX/XXXX I deposit {$180.00} into XXXX checking which would cover the return amount plus add additional money to my account. I was n't as sued this and that caused an issue as well. OnXX/XX/XXXX I made a {$140.00} payment over the phone with a rep and the rep used the wrong account. I was very frustrated. As this was n't fault of my own but the represent I had funds in my account XXXX not XXXX. I 'm just truly frustrated. I was told after 3 return payment the method to use transfer is suspend. Now my account is suspend again after 2 payments
I am having problems with getting a collection account with Pro Collect off of my credit report. I called the company and asked how I could take care of the account and they would not work with me. I have no documentation of why the amount they are showing is owed. They claim they issued something to me back in  XXXX  of this year but I have nothing in writing. I am in the process of purchasing a home and I need this collection account off of my record. In an effort to rectify the problem I need additional assistance with getting this company to have better practices.