WillisBack/dataset-financial-user-claim huggingface dataset:
After  graduating  from  XXXX , Navient was supposed to consolidate my loans, they did n't. I agreed to auto payments until they took multiple payments monthly and then send delinquency notices.  XXXX  returned {$1800.00} t hat Navient had  no record. After draining my bank account I cancelled auto payment. Then  XXXX  took over my loans. While on  IBR  my payment jumped from {$70.00} to {$270.00} because my income increa sed $    XXXX  . I 'm terrified to submit my    2016  taxes because my income doubled. A rep from   XXXX   XXXX    said the DOE terms are payments are based off gross pay. I went to the site and they lied. Despite making payments,   XXXX   was STEALING from my savings. I cancelled auto pay  X /2016 but they kept stealing. I had to call my bank and make sure  XXXX  ca n't auto debit. Ive tried to disput e $    XXXX    pa id to  XXXX  because they did n't provide the program I was adamant from the beginning I wanted and I have NO degree. I try to repay, these loan providers make it nearly impossible.
I am a customer of Wells Fargo. Before leaving for XXXX in XX/XX/2016, I called them to let them know that I will be traveling. The last day, I used my debit card to take out a small amount of currency while in XXXX. Immediately, my card was shut down. Upon returning to the XXXX, I also learned that a check had been deposited into a small savings account. I took the money that was in the savings and transferred it to my checking ( months before this ) ; The " second '' deposit of the same check was removed from my savings account which left my account negative. When I went to the bank to get a check card for my bank ( since bills were not getting paid due to not having a card ), I was told I could not get a card due to a closed account. I did not close the account nor did I transfer the money to the " negative account '' because I was in a foreign country. XXXX I still do not have a check card with Wells Fargo. 

Second complaint is that I deposited a larger check. It was around {$4700.00} into my account. Standard procedures that I have run across says that it will take between XXXX business days for checks less than {$10000.00} for it to post. The check is still not " active money '' in my account after XXXX weeks!!!!! It is " posted '' not " available. '' While waiting for this check to post ... bills have come out. So, they posted the largest bill first for withdrawal, and I am getting charged {$35.00} for every single transaction that is coming from my bank. How is this fair that I have money that is on hold from their institution my fault? I do not want to pay over {$200.00} in " return '' fees and " overdraft protection ''
Me and my husband purchased a vehicle with a dealership that used Coastal Credit as our lenders. My husband got out of the military and we unfortunately had to leave the state and move back home which put in in a lot of financial strain. We attempted to have the car picked up in New Jersey as that is where we were located. The car was never picked up and we were continuously harassed about making payments. Fast forward to recently having to go through an ordeal with courts where we live now as they are attempting to garnish my wages for an amount that hasn't been specifically explained and documentation has not be furnished to show why that specific amount is being asked for. They were asked to come get the car and they did not do so. Instead it got impounded and then auctioned off. I am the only one working in my household right now and have dependents that depend on my checks. I cant afford for 25 % of my check to be taken. This debt is from XX/XX/XXXX and we are in XX/XX/XXXX. That is almost 7 years ago that this happened. They haven't attempted to contact and process anything until right now.
I provided the XXXX app with my Bank of America banking login information for the purposes of earning reward points based upon their monitoring of my credit card charges at specific merchants. I made several purchases at XX/XX/XXXX which was one of my selected retailers which initially tracked and I earned points from ( XXXX points per dollar spent at XX/XX/XXXX ). Recently my purchases have stopped tracking. However, the issue is that I redeemed XXXX points for a {$20.00} XXXX gift card which I have yet to receive after one week ( FAQs state payouts will be made within XXXX days ). I 've submitted multiple inquires to XXXX and it seems they will not pay out saying my account has been flagged for my safety. Their responses are generic and not informative. If there was an issue with my transactions, Bank of America would advise me and it is not XXXX XXXX job to do so. XXXX is simply there to monitor transactions to provide rewards. If they do not pay out what I rightfully earned, they are a scam and need to be shut down immediately seeing how their business involves gathering consumer 's bank account login information and monitoring financial activity.
I can not confirm registration for the " trusted id XXXX '' Equifax product which monitors thefts and givers one-million dollar insurance for free for XXXX year. XXXX They will not confirm me on the phone at the number given on the registration website XXXX and refer me to a different number. There is no answer at the second number XXXX. XXXX The link that they sent to me to confirm my registration via e-mail will not allow me to connect to complete the confirmation procedure saying their " cloud coverage does not allow service in my area ''. I am in XXXX but a U.S. citizen with U.S. bank credit cards. **** Simply put, they will not allow me to complete confirming my registration which is necessary but is an extra step in the process that is totally not needed once I have registered and should be eliminated. **** Once I register for protection there should be no additional registration steps needed.
On XXXX XXXX, 2017 my bank balance was {$1.00}. I then was charged XXXX for an over draft fee and the balance became - {$33.00}. There was nothing returned and no reason for the over draft because nothing went through that day other then a return fee of {$35.00}. I called and talked with a teller but they could not explain why. There was no reason for this charge.
XXXX money ( {$400.00} ) was not credited to my account although deducted from senders acoount.
Citibank is refusing to refinance an existing loan to lower the interest rate and they refuse to do so unless I open a checking account or savings account with them. I had those types of account that I closed in the past. The supervisor I spoke with told me that I would need to open a checking and/or savings account and financed it before I can make application to refinance the loan
My ex-wife and I got a XXXX over 2 years ago and the decree clearly stated that the marital home was to be sold and in no way was she given my interest in the property or was it conveyed that she wild be allowed to stay in the property over the time it took to sell it or 1 year, which ever came XXXX. Additionally my name is on the loan and on the deed and I have not and will not sign over my intertest of the home to her. In the meantime she has applied for a Loss Mitigation Application with the motrgagee, US Bank. They have allowed her to start this process and have accepted payments from her with the knowledge they have viloated the rules and regulations that govern this program. I want this process stopped immediately and the Mitigation process to cease and for her to not be allowed to remain in the former marital home.
I was shocked when I reviewed my credit report and found late payment on the dates below :XX/XX/2018- 30 DAYS LATE XX/XX/2018 - 60 DAYS LATE XX/XX/2018 - 90 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
i originally opened a checking account with XXXX XXXX. XXXX was bought by Wells Fargo. the terms of the account was that it would be a free account. once again, Wells Fargo is attempting to change the terms of the account and charge basic fees for me to remain a customer. there is no address at which to file a complaint. there is no email address. i called. the rep had no power to do anything. i requested a response to my complaint, in writing. have heard nothing from Wells Fargo.
i had all my exemptions removed from prior property tax years all at once. DEspite the fact i have legal options regarding this citimortgage is threatening to set up an escrow account with penalties and interest wihtout letting me avail various legal remedies and avenues i have available to me. this is wrong. no escrow account. i do not even have back up for what these taxes are based on and i know there are legal protections out there regarding this. I am tried of the one size fits all approach in how they are dealing with this. i value my home and obligation but to have all exemptions removed at once. is a hardship.no escrow account is to be set up. i am not going to let it happen. i want to talk to someone at my convenience about my plans and the accountability to which i have a right. and am entitled to do not set anything up do not bully me. i have legal options.
Auto loan closed and payoff ans dhow open with XXXX and XXXX, balance is XXXX and need to be removed immediately from my reports.
Security Credit Services has 2 accounts on my credit report. i have no idea what the debt is or who XXXX XXXX who they are collecting for is. I have never had an account with XXXX XXXX or heard of them for that matter.
Mortgage {$80000.00} Foreclosure XX/XX/XXXX Lawsuit filed-XX/XX/XXXX. By several homeowners against the City, engineers, contractors, Implementation team.

Due to a City owned Dam Breach.  The largest environmental lawsuit in Michigan.

Caused flooding, mold and contamination to several homes and properties.
I was expecting some resolution from HSBC moths ago about a money Transfer done in XXXX 2016. HSBC said that it was going to be result withing 8 weeks an still no answer, when I call costumer services nobody know anything about my case and I have left more than 10 voice MSG to the person in charge according to the letter attached. I dont understand why a bank will treat costumers this way
The accounts showed in my credit report are not mine. The accounts belong to a family member with a similar name. Therefore the score calculated is someone elses. I also saw XXXX account in collections which does not belong to me. Again issue of incorrect ownership, belongs to a relative and not myself.
I moved my service from a house to an apartment. My fish wasnt able to be installed due to location so the rep took the dish with him and I was instructed to dispose of the box. I was issued a refund for the month since I was no able to use the services. XXXX XXXX then booked me {$55.00} and put the account in collections. I contacted them and they resolved the error, stating they balanced the account and removed the collections. It has been 2 years and XXXX XXXX has put the account back in collections again, after previously resolving. XXXX told me to just pay it, I will not pay a balance that I do not owe and I will sue XXXX XXXX for damaging my credit fraudulently. XXXX
Account opened by my wife for XXXX was put in my name, sent to a collection agency ( XXXX ), was removed after disputing ownership of the debt, have since been contacted by a XXXX collection agency on behalf of XXXX still claiming the debt is mine after having disputed it previously with XXXX & the other collection agency.
In XXXX, I spoke with a Wells Fargo representative who told me that my loans would not need to be repayed until XXXX unless I graduated before that, in which case I would have a 6-month grace period after my date of graduation. My school inaccurately reported that I graduated in XXXX XXXX. I needed to work with the school to update my graduation date to XXXX XXXX. I submitted paperwork to Wells Fargo with this information, and I expected a 6-month deferment period after XXXX. However, Wells Fargo said that part of my loan had entered repayment while I was still in school. I thought this was part of the same clerical error, so I attempted to work with them to update the repayment date. However, they insisted that part of my loan went into repayment while I was still enrolled XXXX in school, and they declared this loan in default and demanded payment in full. I do not have the amount that they are requiring I pay upfront, and they are not willing to work with me to find a manageable solution to a problem that they created. They claimed to be able to consult phone recordings of previous conversations with them, but they refused to check on the call where I was informed that I would not have to start paying until XXXX. Further, they said they attempted to contact my co-signer about this, but my co-signer did try to call them, and they refused to talk to her. They said that I needed to speak with them directly. However, they would always call while I was at work and unable to answer, and every time I tried to reach them, the call went to voicemail. It seems that they were trying to prolong the conversation period in order to force this loan into full repayment.
I initially moved into XXXX XXXX XXXX in XXXX, IL in XXXX after XXXX. Before I signed the lease, I had authorization from XXXX to received XXXX in order to pay for the apartment, as well as their approval to live off base. Shortly after I signed the lease my command and I learned that the base would not authorize both the XXXX pay and the off-base housing. I had no option but to withdraw from XXXX XXXX. 

My command supervisors had worked out an agreement with management so that I may leave the apartment. The verbal agreement was XXXX XXXX kept my security deposit and I pay the rest of the month 's worth of rent. The rent was somewhere around {$500.00}. One of my supervisors personally handled that affair. I did not sign any papers for the agreement. Nor did I receive and collection notices, phone calls, or mail from XXXX XXXX XXXX XXXX. 

On XXXX XXXX, 2016 I received a call from National Credit Systems with an attempt to collect {$3000.00}. I immediately opted to dispute the charges. Between XXXX and XXXX XXXX, 2016 I have been submitted letters, government documents, and statements from the supervisors involved with the debacle to help support my dispute. On XXXX XXXX, 2016, one of the managers from XXXX XXXX XXXX XXXX made it a point to call me, or rather harass me. 

The conversation summed up to be her claiming that my statements and the statements from my supervisors were " falsified, '' that they did not indeed accept or receive the ~ {$500.00} payment, and that my supervisors and I were " dishonorable. '' She also stated she felt threatened, that we were after her to get her fired. I did not say much in reply throughout the entire phone call, as I felt insulted. The next day I received a call from a representative of National Credit Systems Inc. 

The representative stated that XXXX XXXX XXXX XXXX would not accept the documents, that they did not receive the ~ {$500.00} payment, and the amount stands as {$3000.00}. The representative also went on to say XXXX XXXX XXXX XXXX would settle to {$2000.00}. I again opted to dispute the charge. As of XXXX, 2016 XXXX showed that my XXXX report had a " past due '' amount of {$3000.00}. 

I have since submitted another letter to National Credit Systems asking to dispute the charge, as well as dispute the charge on my credit reports.
While by fact we WERE ABLE to get financial loans, a mortgage etc. now that we have PAID a substantial amount OFF such as mortgage and high balance loans My  Credit score  has dropped significantly by  XXXX  or more points and I am being rejected for credit. Amazingly they, you and lenders do nothing but reject. Also even while having a security freeze on my account people still inquire  WITHOUT  permission. My husband has written of this to you but has informed me you do nothing! Never the less this in by opinion a scheme to further encumber us since this created our current financial woes. We were better off before paying those lenders off. So  HOW can my   XXXX   b e lower? OF course you 'll give me the unfortunately leaving off the total debt is less.
Within my contract sent to me by a law firm on behalf One Main there are two different interest rates listed along with different loan dates. One is over 30 % and the other is XXXX. According to Florida Statues Chapter 687.02 usurious contracts should not be charged at an insterest rate of more than 18 %.
I am asking for Capital One to remove to late payments dated XX/XX/XXXX and XX/XX/XXXX off of my credit report due to a humanitarian hardship. I was hospitalized around that time and lost my job for being hospitalized for 4 weeks and unable to work for 2 months. During that hardship time I missed two payments on my Capital One account. Since then I have remained on time with payments and even paying off my account. I had emailed XXXX XXXX the CEO in hopes that he would apply a humanitarian hardship for those 2 months but his assistant called me back and stated that Capital One would not.
According to the FCRA, credit bureaus can not report the same account twice. There are XXXX separate accounts reporting twice on my Experian report and I demand they be remove immediately. The accounts that must be removed are XXXX XXXX XXXX with XXXX balance, which this same account is reporting on my file under a different name. The next account reporting twice is XXXX which is reporting the same accounts twice for XXXX accounts, for {$540.00} and {$1300.00} balances. The next issue is missing positive account information for XX/XX/2016 for open XXXX account which should be marked as positive " OK '' status and it is n't. Lastly, the Regions account on my file is completely erroneous and has wrong historical data in which the company has failed to provide physical proof and late records for complete history. I demand all of these accounts to be deleted from my Experian credit file immediately.
I have contacted citi bank in XX/XX/XXXX to initiate a dispute against the autobody shop. The body shop returned the car to me without providing any services and they never issued the refund for the amount they charged my Citi bank credit card. I tried to call them multiple times regarding my refund but they never answered my calls. So I decided to dispute the charge with my bank because the merchant never provided any services to me. On XX/XX/XXXX I received a mail from Citi bank which I have filled and signed as instructed. After that I have never received any communication from the bank. On XX/XX/XXXX I received a letter from Citi bank advising me that they REFUSE to intervene on my  behalf with the merchant and their bank and I would need to seek other means to resolve this dispute. 
This is shocking to me as bank did zero efforts and never contacted the merchant to help its customer in their dispute. I dont understand why the bank is refusing to file a chargeback with the merchant and request the merchant to provide documents and information for the amount they have charged. In this 2 month Citibank did nothing to help me to resolve this case and never contacted merchant or the merchants bank to find out for what their customer was charged for. I disputed the charge as the services never provided and citi bank never provided to me with any proof that the merchant provided any services to me. According to Fair Credit Billing Act and VISA and Mastercard regulations Citi bank is obligated to contact the merchant and their bank to receive a chargeback as the merchant never provided any services to me. Now Citi bank is not acting in good faith and is refusing to support their customer and refusing to follow their responabilities in this matter. I am going through this nightmare because citi bank does not want to do their job and contact the merchant to see for what reason my account is charged for XXXX  USD as the merchant provided no services to me. I have never received any other communication or help from citi bank besides the letter they sent to me on XX/XX/XXXX. 
I am attaching Fair Credit Billing Act to my complain too.
I can not afford my monthly payment of almost {$700.00}, Navient has offered me programs in the past to help lower this payment. For some reason I am no longer eligible, and Navient will not give me a reason why. I have never been late in 8 years and have always handled my obligations with Navient. Now I am being punished by them and forced to pay double my payments and triple my interest rate. I don't mind paying my student loans but this much is outrageous!!
I applied for the Platinum Card from American Express with offer spending {$3000.00} for the first three month then I can get XXXX membership reward points on XXXX 2016. And I did spend a total {$3600.00} ( exclude {$450.00} annual fee ) within first three month. However, I do not know why my XXXX points were claimed back on XXXX/XXXX/2016. I did not get any kind of notice or explanation. I do contact customer services serval time, and was told that I might return something and made my total spending less than {$3000.00}, after I checked my billing statement I am sure that my total spending were more than {$3000.00}. I feel so disappointment about this behavior of American Express.
I had emergency XXXX XXXX. I had XXXX XXXX  insurance. They paid for the XXXX but not the XXXX. I contacted Optima Recovery Service at ( XXXX ) XXXX, to resolve the bill or get a copy of the bill so that I can get help paying it. I spoke with XXXX he told me to shut up. hung up on me twice, would not let me speak to management, and when I called back and he spoke to me a third time he said he had nothing else to say to me. The company was not trying to help me resolve the bill at all, instead they were rude and abusive.
I have a membership at XXXX. During their switch from XXXX XXXX to Citibank for credit card processing, a credit card account was opened in my name with Citi XXXX without my consent or approval to the terms and fees therein. Membership dues were subsequently charged in the amount of {$110.00} on the Citi card. I have contacted both Citi and XXXX and, although they state that this is a legal transaction, I feel that it is a fraudulent practice no different than the current XXXX XXXX situation. Opening a credit card without consumer consent and making charges on it is fraud, fraud, fraud! XXXX should have billed me directly or made arrangements with me to put the membership dues on a credit card of my choosing, with terms and business practices that I agree to. I have since closed the Citi card out and made arrangements with XXXX to pay the dues, but I wish to log this complaint as record of big business financial fraud that needs to be addressed on a larger scale.
I have a conventional mortgage with investors Bank ( formally XXXX XXXX ) since XX/XX/XXXX. I paid down less than 20 % of the load which requires me to have a Private mortgage insurance. I 've been making extra payments on the account each month which reduced my loan-value-ratio significantly. My PMI based on the disclosure statement is due to be dropped in XX/XX/XXXX. In XX/XX/XXXX when my loan reached 80 % of the loan to value ratio informed Investors Bank in writing twice for a removal of the PMI. The last correspondence was XX/XX/XXXX. My loan to value ratio is currently at 73 % ( Original home value {$200000.00} with current balance less than {$140000.00}. They failed to drop the PMI, stating that it 's due to be removed in XX/XX/XXXX and that I need a new appraisal ( they will have an appraiser from their bank contact me. To date I 've not been contacted by an appraiser ) to ensure that the property have n't decreased in value. My question is, should n't the PMI be dropped automatically when conventional loan reached 80 % of the original value based on federal law?