WillisBack/dataset-financial-user-claim huggingface dataset:
I have XXXX student loans from Navienet and at the time my daughter started college so I had put XXXX other parent plus loan under my name as well. My daughter graduated XXXX 2016, I was making my payments but my loan were not going down and kept calling and they were telling me they received the money and they were being applied, it was not until my daughter started to pay her loans in XXXX when they said her payment was late that I realized for 4 years they were applying payments to my daughters loan who was not out of college yet. It took me 5 people to finally get someone to understand what happened and truth be told I do n't know if it was every fixed they sent me paperwork showing where what they did but what about the interest it looks like they just put the dollar amount back on my loan. this is a different department they does the correction and you are unable to talk to these people. This may not be a lot of money but the point being I was calling them and telling them something was wrong and they did nothing about if for 4 years. 
To your answers below many apply only able to check one box - Do n't agree with fee charges, Received bad information about my loan, having problems with customer service
Extremely long wait to be attended through inside lobby. This happens every time I come to Bank of America. Why do n't they just add more tellers from XX/XX/XXXX-XX/XX/XXXX. I get that everything is online now, but this wait time is disrespectful to the consumer.
I have had a credit card account with USAA for years as my father who served in the military did before me. USAA retaliated against me for questioning submissions to my credit bureau by closing my credit line.
I missed a payment for my XXXX/XXXX XXXX account, I called and spoke with a representative the day after the missed payment to make the payment. I explained to them that I had not been working and that I was unable to afford the late fee on the account but I would still make the min due. They transferred the call to a special department and offered to enroll me in a " hardship program '' stating that for the next year my account would be set up for automatic payments and that it would be in the amount of {$15.00} dollars. I agreed and since XX/XX/2018 the {$15.00} dollars have been debited from my checking account every XXXX of the month. I never knew this account was being reported late until recently, I reached out to commenity and they verified that I had been signed up for the program and that there was an error on their behalf made by the representative I had initially spoken to. I would like to get this late payment status removed seeing as though I have been making the monthly payments as agreed.
I contacted Portfolio Recovery ( PR ) about the Date of first delinquency ( DOFD ). PR respond as stated that the DOFD was XXXX XXXX. PRA states that I did not notify them about the discrepancy. Enclosed is a copy of the certified letter PRA received. Below is PRA response to CFPB. PR reports the DOFD to XXXX  as XX/XX/2012. The DOFD is inaccurate. PR is in violation of my reporting rights. 
PRA STATED -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - PRA has no record of a response or a dispute being received in relation to its initial notification letter. PRA furnished information relating to your account to the consumer reporting agencies in accordance with industry guidelines including but not limited to the date of first delinquency which was XX/XX/2012. 

Evidence : I am enclosing evidence from XXXX XXXX ( Original Debtor ) the records reveals the DOFD was XX/XX/2012.
The problem I'm having is 16 hard credit inquiries in just over a years time. I have very good reason to believe my identity was stolen although never noticed being my credit score has been on the low end for quite a while. But the hard inquiries are as follows : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Chase - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX This is absolutely ridiculous!
XXXX XXXX has been closed since 2017, furthermore account was transferred to XXXX XXXX XXXX   in XXXX. Both XXXX and XXXX were reporting the same account on my report which is unlawful after it was sent to collections. Now after creating a dispute you have the account listed as open. There should not be late pays from XXXX until now because the account was charged off and closed and another company was reporting.
Navient calls multiple times a day regarding past due payments. The calls begin 1 day after the due date and so far today ( it's XXXX EST ), they have called the co-signer on the loan 3 times because the payment is 1 day late. I was told that was their procedures, which is ridiculous. I also asked to remove the co-signer 's phone number from the account as he is a senior citizen and gets very worked up when he receives these calls. I have told them that they are free to mail him any documentation they want but the phone calls need to stop. They said they can not do that. They do absolutely nothing to assist my son in lowering the payments or deferring the payments while his income improves. Additionally 2 years ago we submitted paperwork to remove the co-signer, my son met the requirements, and each time we called they said they were working on it. 

This is the WORST company ever to handle student loans. Clearly they have no compassion for the kids who come out of college with $ XXXX in student loans and are trying to make a living to pay for it.
I received a letter datedXX/XX/XXXX from XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX in behalf of Crown Asset ManagemenXXXX requesting payment on an alleged debt. On XX/XX/XXXX, I sent them a letter requesting that they validate the alleged debt. However, I never received any response from them. 
I then started to receive advertisement mail from different law offices informing that Crown Asset Management has filed a lawsuit against me onXX/XX/XXXX. I then checked the court system, and saw that they had a court hearing set for XX/XX/XXXX. OnXX/XX/XXXX an attempt to serve the summons to a random address was made when the summons had my correct address. 
On XX/XX/XXXX, I still went to court to avoid any confusions or a default judgement ; however, no one was there, and the Judge advised me to leave after seeing the attempt they made to serve me.
I would like to check my credit report but I am unable to do so because none of the questions nor answers pertain to my history. I suspect they 're must be an issue due to identify theft. I need more information as to what my next step should be in order to get my report and if they 're is fraud I can get this straightened out sooner than later.
I am struggling to pay a car note on a vehicle that is no longer anywhere near the value I currently owe. I did not have the best credit score at the time of the purchase of the vehicle and was provided with an interest rate of 16.95 %. I tried to get other financing at that point but I was denied. The car was sold to me at {$26000.00}. To date I have paid a little over {$22000.00} I have a remaining balance of {$20000.00}. I have not been able to refinance the car due to the XXXX XXXX value being between XXXX XXXX dollars. 

I have requested to get out of this loan many times as I can no longer afford it. I have attempted to get a lower interest rate from my bank however I was denied. 

At the time of the purchase the sales person told me I would be able to trade the car in within 3 years however i am so upside down in this loan no one will take this on. If I am stuck in this loan due to predatory lending I will pay almost double for this car.
NATIONSTAR FAILED TO FURNISH US A LIEN RELEASE FOR SAID PROPERTY AND MUST NOW CEASE ALL CREDIT REPORTING AT ONCE.
I have recieved several calls from a company named Midland Funding. They are said to represent a payday loan that was taken out in 2012 online. They provided a false email address and false home mailing address. They have said the would sue me taking legal action because they want to ensure they will get monies in return. They accused me of recieving a payday loan at about {$2800.00}. When asked for proof and paper work trail they immediatly hang up.Then recall again within an hour.
I was told by my college XXXX XXXX XXXX   that I did not have any government money left to use to pay my tuition and fees and therefore I would need to take out private loans in order to pay. The financial aid department at XXXX certified my loans for amounts exceeding the cost of tuition and then kept the extra money. I later found out after leaving this school that I did have federal funds available to pay for tuition. As a result I now have several large private student loans with Sallie Mae. Now Navient the collections branch of Sallie Mae is constantly harassing me and my co-signer for extremely high monthly payments that I am not able to make because they exceed my monthly income and my co-signer can not make because they are XXXX ill and currently in the hospital. I have spoke with different agents in the past, most recently in XX/XX/2018 regarding options to lower my payment amounts to feasible amounts. I have offered to provide my pay stubs, monthly bills, and statements from credit card companies to show how these large payments would create undue hardship for me. They have never requested any document from me to prove my undue hardship. The agent I spoke with only asked me questions about certain expenses over the phone. Navient only offers me a forbearance option of paying {$150.00} which doesn't lower my monthly payments it only makes the account current and thus makes no difference. The last time I spoke to an agent regarding lowering my monthly payment amounts I suggested an amount that was reasonable for me. I was told it wasn't going to happen and was mocked for not being able to make the suggested monthly amount Navient wanted. Currently I only send Navient what ever money I am able to come up with when I can. I have told them repeatedly that I can not make these large payments and that I can only pay what I can afford, but the call repeatedly everyday.
The current holder of my mortgage, a hedge fund, bought the loan from XXXX in an auction two years ago, no doubt at a substantial discount ( although I ca n't find out what they paid ). The servicer, in moving to foreclose, was required to go through Mediation by Oregon Law. In this process we applied for a mortgage modification to allow us to stay in our home. First HAMP was denied ( see attached for reasons- they gave us no information about how they arrived at not being able to fit a modification into the XXXX-XXXX % DTI ). Then we were denied for an in-house modification for the reason that the LTV was less than 70 %. This calculation is only based on the original loan balance and a drive-by BPO ( of which there were XXXX that varied by XXXX % in their valuation ). The holder of the loan is unwilling to consider the back interest and tax/insurance escrow owed in the basis of their calculation. If they did, the LTV would be between XXXX- XXXX %, depending on which BPO was used, well within their " standards ''. Their method seems a logical fallacy. Either the additional debt owed to them should increase the base loan or reduce the value of the home, because the net result is they we have less equity.
Have spent hours literally on the phone and try by email and website to fix error on my report - get a different song and dance every time
Submitted a short sale package to Loan Care via Fax XXXX & email at XXXX on 3 occasion since XX/XX/2016 with confirmation transmittal received. I have follow up on several occasions only to be told that they did not received it and asked that I send again. When I call to follow up and I give the confirmation number, they hung up and not the system. Its been over a month trying to get the right caring person on the phone. Final after an hour of hang ups, I was able to reach XXXX, Agent ID XXXX, and he was able to verify that I had called and also requested an expedite on this HAFA short sale, and that XXXX did received my " FULL '' short sale package and he was not sure why no one entered it into the system to be assigned. XXXX not a good company and should not be servicing loans ... and they needs to be accountable just as the likes of XXXX, XXXX and others. I need you help in getting the lender to do its job and would like them to expedite this short sale since they dropped the ball. Customer Service in Loss Mitigation is no-existent. Please help ...
On XX/XX/XXXX a Backgroung History was done by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXGa.XXXX, on this date I was interview fill out work forms, after waiting on my backgroung check, which I know I have never been convicted of any felonies, I was told on Tues.XX/XX/XXXX to start work on Sunday morningXX/XX/XXXXwed at XXXX XXXX, on Wed XX/XX/XXXX I was informed by XXXX XXXX XXXX in HR , XXXX that to disregard the work start because of my backfround History check, my attempts to contact XXXX XXXX was unsuccessful, a few days later I received a copy of this background history that is very incorrect, i have had several Backgroung checks and this the 1ST, first one that is incorrect, inaccurate, I have a copy of my previous Backgroung History and for the same case num # and different companies someone is reporting inaccurate information, this is awful, very unproffesional, i have a copy of my Background done by XXXX XXXX XXXX , dated XX/XX/XXXX and the exact same things that have been Misdemenors all of a sudden for XXXX they are now Felonies this is I will not accepts this, this humiliating, distrubing this information has been falsely modified by this company, i have had several background felonies checks for other companies and I have never ever been convicted of a felonie, i am reporting that this information given to XXXX is Inaccrurate , and be removed or corrected, iam filing a complaint, i have been licence by the State, i receive Gov asst.no felonies please correct this issuse d feloo
I filed a recent complaint with Citicards regarding this exact issue. I have not been able to use my card ending in XXXX for over a month now. Citibank told the CFPB that the card was able to be used near the end of XXXX. That is a lie. 

When I log into my account at citibank.com, there is still a notice that displays immediately : " We apologize for any inconvenience, but to protect your account, further charges may be limited until you have contacted our Customer Service Department at XXXX ( TTY : XXXX ) '' When I attempted to use the card on XX/XX/18 it was DECLINED. Citibank has done NOTHING to resolve this issue.
A collection agency illegally re aged one of my accounts. 

XXXX XXXX. 
XXXX, NV XXXX
XXXX only allowed us to borrow from XXXX and if we did n't then we could n't attend unless we had the cash up front or a private loan from a bank, and since my cosigner was my grandfather that was n't an option, after he died I had a harder and harder time getting loans or help from them while I was an XXXX. I then found out I was being evicted and part of the eviction was my loans did n't go through and so there was no money for the on campus housing I was living in since I started. They said I had 48 hours to get out or they 'd change the locks and I 'd be charged. with interest I owe around XXXX dollars, yes XXXX dollars for something that I did n't even get to graduate from. They never wanted to work with me and would harass me and my parents from XXXX to XXXX everyday. They would call my job and say things, like " WE KNOW SHE 'S THERE PUT HER ON THE PHONE! '' My manager had to tell them to stop calling and harassing me since I never have them my number and they call up to five times a day. They would ask me why my parents could n't help me, who at the time lost their house to XXXX from foreclosure, why could n't I just get another full time job and that at this rate I 'll never pay it off. There were times my mom literally got of the phone with them in tears because of how they treated and berated her for having no money all the while the school and the company said nothing about being a private profit school and loan company. My credit is ruined. I ca n't even get any credit cards to try and build it back up, and I still live with my parents at XXXX because I ca n't get any help or financial help from anyone. Now I 'm expected to pay back XXXX dollars on a predatory loan company that I get no help or loan forgiveness. I even had a women tell me well you could just sell your stuff, do you really need a cell phone ( no land line at my house ) and ca n't you just give your animals to someone. then she proceeded to tell me to just XXXX and try to figure it out because since I owe so much they 'll just take me to court and I could have the possibility of going to jail. 
XXXX is one big scam. They got a pay out and we 're still stuck paying on loans they as a company got forgiven for. They are predatory and aggressive and have no intentions of helping or forgiving the the loans that they knew you could never pay back with the interest rates higher than XXXX XXXX. This company literally ruined my life as an adult because I can do nothing, but deal with it and still live with my parents until they die because I ca n't go or afford anywhere else even with a full time job. They actually made me hate my major and what I went to college for. I have n't picked up a camera or done anything with my major since being forced to drop out after the school said I owed XXXX to be current. I wrote them a check out of a settlement I had when I was younger from an accident. They took the check cashed it then said I still owed them thousands more and I have to leave.
XXXX XXXX XXXX I, XXXX XXXX XXXX residing at property XXXX XXXX XXXX XXXX, XXXX, GA XXXX purchased the home in XXXX and refinanced it with XXXX XXXX Loan # XXXX on XXXX/XXXX/XXXX. That loan was sold to XXXX Loan # XXXX and was taken over by XXXX XXXX XXXX Loan # XXXX when they went under and held the loan for the years XXXX and XXXX then to XXXX Mortgage Loan # XXXX and to XXXX Loan # XXXX then eventually to Nationstar Mortgage - Loan # XXXX which is the current servicer. 
During the time the loan was being serviced by XXXX XXXX. I experienced some hardship and requested their assistance with a modification to avoid foreclosure when I was informed that they had not received any payments for at least 12 months with which I disagreed and thereafter received what seem to have amounted to a refinance for 30 years which included a second mortgage in the amount of XXXX. 
In XXXX I requested the assistance of the XXXX XXXX, a XXXX Certified non-profit counseling agency, to apply for a modification and was given a 3-month trial of which payments were made on-time and was offered a final modification with terms extending the balance to a 40-year loan maturing in XXXX which was to be signed and returned by a specific date. 
In reviewing these documents I noticed that an area was incomplete on the Agreement To Maintain Escrow Account ( page XXXX of XXXX ) and the balance in question seem incorrect from the years I owned the home. 
I am attaching documentation that may be helpful in getting to the bottom of my concerns in assisting me with my file. 
I appreciate your cooperation in this urgent matter. 
Regards XXXX XXXX XXXX Contact Information : XXXX Email : XXXXXXXXXXXX Encls : Nationstar Trial Modificaation Nationstar Final Modification XXXX Final Moiication XXXX Mortgage Interest Statements - XXXX XXXX XXXX - XXXX & XXXX - XXXX Mortgage - XXXX - XXXX Mortgage - XXXX and corrected XXXX - XXXX - XXXX XXXX Settlement Statement - XXXX XXXX Copies of bank statements can be provided if needed.
Each day, at approximately XXXX EST, I receive a call from Convergent Outsourcing. Convergent is a debt collector. My phone number is XXXX. I tell them each time I am not the person they are looking for and they continue to call. On XX/XX/XXXX, they called for a XXXX XXXX and then again for a XXXX XXXX. I can not convince them that I am not under any late debt obligations. I only owe a mortgage and am in good standing having never missed a payment. How do I get them to stop calling me for people who had that phone number or have misrepresented themselves to have that phone number? Convergent calls EVERY DAY. I have told them to stop calling that number and according to their representatives, I am on a recorded line. That must be a joke too.
Approximately 1 1/2 years ago I submitted proof that I have no tax liens against me by suppling Fed tax lien release docs to all three reporting agencies. I also dispute any claims that I have unpaid or delinquent medical bills. There is nothing else that I am late with. I se3nt the letters by certified mail and to date, I have never heard from any of them. I will attach the docs that show the tax releases. I hope you can help me, as I am sure you are aware that it is very difficult to get any response from these agencies. 
Thank you for your help XXXX XXXX
I called to find out why I have not received my new card after expiration date. 

I was told my account was closed for 12 consecutive months of inactivity. 

I told them I just charged a total of {$970.00} for the months of XXXX and XXXX and the card is now paid off. 

Card I have was valid through XX/XX/2018. 

They said it is an auto generated account closing process and they will do nothing other than tell me to re-apply.
XXXX XXXX put a debt on my credit report say I owe XXXX XXXX XXXX or XXXX XXXX I have never had either XXXX XXXX XXXX or XXXX XXXX this is not mine I have always has XXXX
I have a {$1000.00} loan with Big Picture Loans, and I went online to my account starting on XXXX XXXX, 2017. The website said it was refreshing, and would clock and clock, never giving me the payment site. I tried another computer on XXXX XXXX, 2017, another one on XXXX XXXX, 2017, another one on XXXX XXXX, 2017, and finally another one today on XXXX XXXX, 2017.
The website for payment has been down all this time, so I finally called today at XXXX XXXX PDT to pay off the loan. If I was able to pay several days ago, it would have been $ XXXX/-, today it is $ XXXX/-. This is because they can not process the payment until XXXX XXXX, 2017.
To me it seems like they have a scam going. Ca n't pay online, then when I do pay, it will be three days before the payment shows up. This is predatory lending at its finest. I want my interest back that was accumulated from XXXX XXXX - XXXX XXXX, 2017/ XXXX XXXX XXXX ( XXXX ) XXXX
My parents co-signed on my private loans with XXXX, which turned into Navient with out my knowledge or consent, and my monthly payments are over 1000 dollars a month. Only having a XXXX in XXXX i can not afford this on any salary that i would recieve in my field so i have to rely on a XXXX salary because my student loans are preventing me from starting a career ( which i went to college to find a career ). My parents and I have called Navient and complained about the payments on many occasions asking and begging to be put on a longer payment plan to make the monthly payments more manageable and they would go through our family finances with us and after we went through all of our other obligations it came out that we could afford it with about {$10.00} to spare so they said they could not do it. I even said " so even if you take all of our money and leave nothing for food or living you will take it '' and their response was 'you can pay it so you have to ' this was about a year ago and after calling on multiple occasions we gave up. I am at my wits end with my loans and feel like I 'm drowning with no hope of it getting better i am desperate. Their defense is that i signed the paper work so i need to pay it. I was an XXXX year old kid and was told college is the only way to get ahead in life. Now its the only thing holding me back!