WillisBack/dataset-financial-user-claim huggingface dataset:
I spoke to someone at Citibank last week regarding my student loan w/ them. Am wanting to try to negotiate better terms for the loan. Was informed that they " are out of the student loan business and there 's no one to talk to '' I still send my payments to them, so why is there no one to speak with?? Is this legal, or part of a deliberate attempt to protect their profit? This is issue # 1. 
I began repayment of loan after I XXXX in 2011, and during the deferral period before that, paid the quarterly interest. I have paid greater than the billed amount each month. To date I 've paid in over {$18000.00}, and yet my current loan balance on an orignal amount of {$24000.00} is over {$22000.00}, meaning I 've only reduced the loan by about {$1800.00} and the bank has profited a tidy sum of over {$16000.00}. It appears to me that this qualifies to be called predatory lending? Issue # 2
I worked in the mortgage industry for over 20 years. In XXXX I purchased our home doing a XXXX with XXXX of XXXX, at XXXX Interest only, and a XXXX and XXXX for XXXX XXXX. Like everyone else I thought everything was going to be great. In XXXX the industry as you know took a great hit. Our value in 3 years dropped from XXXX to XXXX. I was underwater. I worked for over 2 years trying to get my Modification with XXXX. Always the same excuses and threats. They would lose paperwork and force me to start all over again. This was very distressing for me and my family. I spent countless nights XXXX. I then filed BK in XXXX XXXX. 
One morning I decided to give up. I contacted the bank and offer to do a deed in lieu with them. Two weeks into the process, the bank asked me to once again apply for the Mod. I did so without adding or taking away any information from my Modification application. A few weeks later I was approved. Very grateful, we agreed to the mod. My XXXX and XXXX forgave the debt I owed them and re-conveyed their deed. The BK protected me from any of their write offs. My balance with the bank was XXXX before the mod, but now is over XXXX. There was principal forbearance that added as a balloon payment in the amount of right around XXXX. My interest bearing XXXX was reduced to XXXX, but at the end of the day there was no real principal reduction. Sure the XXXX and XXXX was removed, but I still have a ton to pay. Once the modification trial was complete, they transferred the loan to Nationstar. I am grateful to XXXX for giving us the help we needed to stay in our home, I would only ask that they forgive the amount that was on the forbearance.
On XX/XX/XXXX I submitted a complaint re Nissan and the misrepresentation of a vehicle purchase in XX/XX/XXXX. 

I submitted the report to you, and then received notification that the issue was closed. 

You had received a letter from Nissan stating that the entity responsible was XXXX XXXX XXXX XXXX XXXX, ( XXXX ) Consumer Affairs Department and the XXXX XXXX   XXXX. XXXX Account No. XXXX. 

Evidently you failed to read the letter to learn of this information. 

Accordingly I will re submit the complaint with the additional information. 

When we were looking to purchase the vehicle, we were informed that the vehicle was capable of the XXXX XXXX XXXX. The salesperson stated this, the website states this, and I spoke with another rep of Nissan and they confirmed it. 
However, when trying to download the software to enable the service, the website indicated that our vehicle ( by VIN Number ) was not equipped for the Navigation System.
I asked them to stop calling me. They told me to pay my debt or they wo n't stop calling.
When I was relocating from XXXX to XXXX, I called XXXX XXXX to inform them I needed to cancel my gym membership. I was told to email a check stub as evidence of my new address. Well I emailed the check stub and a signed later from my supervisor confirming my new address and job. The documents were sent to XXXX @ abcfinancial, but I never got a response. I found out some time later than I was being charged still after I already left XXXX.
I had a account with suntrust bank. I made some deposits that were returned ( another source did n't have enough in the accounts to cover ) Suntrust placed the account on hold. This at the time was my main source as far as banking was concerned. So my employer deposited my pay check into the account. Suntrust refuses to release any part of the deposit. Even if the original items ( that put the account on hold ) were far less than the payroll deposit. I called everyday and was told something different every single day. Now here the kicker the account is on hold, so things that were in auto pay would try to go through. More than enough money to cover the charges but Suntrust sent back the items unpaid and charges {$36.00} each time. So not only was my funds unavailable to be and they would n't release them they also was charging me fees.
XXXX dollas was taken 3 times for overdraft fees when the money was being held and we had the money in the account. we did make one overdraft payment but the holds held the amount out
someone hacked my online account on XX/XX/XXXX with American Express Serve. I had my debit card from another account linked to the XXXX card, that person transferred {$100.00} to my XXXX card. XXXX ( my phone company ) withdrew that amount & more the same day. I filed a dispute with XXXX because XXXX was n't suppose to take that much off my card. I called a week from XX/XX/XXXX to find out what was going on with the dispute & a rep at XXXX told me that the dispute was closed & there was nothing they could do because XXXX had took the money off the card. So I paid off my debit card & moved on. On XX/XX/XXXX XXXX so called " transferred '' the {$100.00} back to my debit card. I was not aware that a investigation was still being done. As of XX/XX/XXXX I have n't received the money on either card & have been given the run around about what they are doing next. I asked to dispute it & I asked for the money back many of times. XXXX states that another department is reviewing it & all of my transactions on my account. I was told on XX/XX/XXXX, it took 7 to 10 days to review my account. I asked for emails to be sent to that department & still have n't heard anything regarding this situation
I have loans being serviced by Myfedloan. I am in an Income based repayment plan and have outstanding interest, which according to the IBR does not capitalize unless I no longer qualify or change plans. This year when I renewed my IBR, Myfedloan first claimed I no longer qualified, and then later that same day approved my IBR renewal. I happened to catch this because I was watching my loan closely. When they denied my renewal the interest capitalized and did not go back to interest with the subsequent approval. This seems like a very sneaky way of forcing interest to capitalize and, while this could have been a one off mistake, if it is being done systematically it needs to stop.
Someone attempted to open 5 different credit cards in my name using stolen information on XX/XX/2017. I was alerted by XXXX XXXX of this attempted fraud. I contacted each lender to explain the situation. I asked that the requests for credit be declined or the account closed and that the hard inquiry be removed from my credit report. It has now been almost 8 months and Capital One ( Saks card ) STILL has not removed the hats inquiry from my credit report. All the other lenders did so immediately.
I have been a member of Pentagon Federal Credit Union XX/XX/XXXX. I had a checking & saving account and XXXX major credit cards with excellent payment history 's. XX/XX/XXXX I checked my accountso on line and all my accounts are closed and my credit cards are charged off. I called and had several communication was different representative and they stated that my accounts were closed. They had me down on my accounts as being XXXX. I told the representative that this is a mistake on the credit union behalf. They also told me to provide them with notized document stating I ' am not dead. Okay I swallowed my pride on this situation and send them information to theread office. After about 3 weeks I may coctact with the credit union and they stated that they received my information. At that point nothing did not change. I stated to the credit union also how could you have XXXX major credit cards charge off with a XXXX balance.
During the closing of our home, the mortgage company ( XXXX ) selected an appraiser that used higher priced comparables outside of our neighborhood to appraise the home XXXX above the sale price of XXXX. One and a half years later while we were attempting to re-fiance with our current mortgage servicer ( NationStar ), they selected an appraiser that only used lower comparables, exclusively in our neighborhood. The appraisal came in XXXX lower than the actual sale price. In both cases the appraiser noted local prices were stable. 

It appears that either the initial appraiser or the second appraiser or both appraisers made sure to select an appraisal value that most benefited the mortgage company that ordered the appraisal. In the first case the higher appraised value helped ensure we continued with the closing process. In the second case, the lower appraised value meant we needed to bring more cash to the table, as our primary motivation for re-financing was to remove the PMI from the initial loan.
I submitted letters to remove negative items from my credit report that are fraudulently reporting because no contracts have ever been signed by me for any of these accounts and these accounts do not belong to me nor did i make any agreements as such. I sent these letters to all 3 bureaus requesting they be removed and i have not received anything from them in months telling me what is going on.
I have had my American Express card since XXXX. It has always been set up on autopay and i have never missed a payment on this or any other credit account i have ever had. Apparently in XXXX there was a problem with the autopay and for some reason the account has been marked as 30 days late on my credit reports. Causing my excellent credit rating of 800+ to drop well over 100+ points! I am very disappointed and can not have this negative remark on my excellent credit file. I am requesting that since i have always been a on time paying member to American Express and that i had no idea the account payment didnt go through that they remove the late payment reported in XX/XX/XXXX.
I closed and transferred my XXXX XXXX account to Capital One 's checking account. All of my funds are now in the hands of Capital One and they will not let me access my funds. This is causing serious problems for me and they have yet to resolve my issue. I've called multiple times and I keep getting transferred to a security desk where I'm only allowed to leave a voicemail. Nobody has even made an attempt to call me back. This needs to be resolved. I feel like Capital One has stolen my money.
XXXX XXXX XXXX ( XXXX ) is currently assisting the above referenced client to review a legal matter. 

We would like to bring a matter to your attention regarding the Keep You Home California ( " KYHC '' ), Reverse Mortgage Assistance Pilot Program ( " RevMAP '' ). As you know Reverse Mortgage Solutions Inc. ( " RMS '' ) has agreed to participate with this KYHC program. Please find the attached KYHC website printout which confirms that your company does in fact participate with the RevMAP program. Further, the KYHC website confirms that in order to be considered for the RevMAP program the customer must contact their servicer to initiate the application. 

That said, on XX/XX/XXXX, the client and I were in contact with both the RMS Customer Service Department and the Asset Management Department. Regrettably, our call was transferred several times and was disconnected. Finally after numerous attempts we spoke with XXXX which identified herself as a Single Point of Contact in the Asset Management Department. We requested that an application for the RevMAP program be initiated as was required. XXXX did not know anything about the program, and did not escalate the matter to a supervisor. XXXX advised the client and I that we needed to initiate the process with KYHC. I note here that I have spoken with KYHC and they confirmed that the application for RevMAP must be initiated by the servicer. After speaking with KYHC we again were in contact with XXXX, and spoke with XXXX who informed us that we needed to contact XXXX XXXX in order for the application to be considered. XXXX then attempted to transfer the call to XXXX XXXX but instead disconnected the call. 

Please let this letter serve as a written request to initiate the RevMap Program application for my client. The XXXX request that you provide a list of documents that will be required for the application to be considered. Enclosed you will find a request for mortgage assistance application and supporting documents typically provided for a mortgage assistance application. If any further documentation is needed please contact the client or I directly at the below telephone number. 
The XXXX request that the Foreclosure process be cancelled or postponed to allow this review to be complete, and to avoid any and all duel tracking on the loan.
I have been a Freedom Mortgage customer since I purchased my home in XXXX XXXX. In XXXX XXXX I decided to refinance my loan, but the entire process has been extremely frustrating and unsatisfying, particularly with a Freedom Mortgage employee, XXXX XXXX. XXXX XXXX demonstrated appalling disregard and unprofessionalism. Emails between XXXX XXXX and I illustrate how I have been proactive in this process to provide the necessary documents needed. Yet, XXXX XXXX has neglected my information resulting in me receiving an email from XXXX XXXX, that my loan would be withdrawn due to " non-responsive customer. '' When I 've attempted to contact XXXX XXXX numerous times via emails and phone calls, I received no response. Then, my account was then conveniently transferred to XXXX XXXX ( the 3rd loan officer/processor to have my account since XXXX XXXX ). XXXX XXXX informed me on XXXX XXXX, XXXX she would look into the matter. On XXXX XXXX, XXXX when I was unable to reach XXXX XXXX, I spoke to her team leader, XXXX XXXX XXXX who also stated he would be looking into the matter and get back to me. When I did not hear back from XXXX XXXX, I spoke to his manager, XXXX XXXX XXXX. As I write this letter, I 'm still waiting. Although I remain hopeful that this matter could be successfully resolved, due to the high level of disregard I received the refinancing of my loan is at jeopardy. I need somebody to help me with the lack of communication with this company.
User email XXXXXXXXXXXX on XX/XX/XXXX I withdrew {$1900.00} from my coinbase XXXX account that was supposed to be deposited into my XXXX XXXX account ending in XXXX via Wire the reference code to that transaction is XXXX I never received my money and it has been 24 days coinbase website states their service assures that a wire takes no longer than 10 business days. I contacted my bank thinking maybe my bank rejected the deposit and they told me there is no record of my money being into contact with them. On XX/XX/XXXX I wrote coinbase support a email XXXXXXXXXXXX they told me it probably still pending. So on XX/XX/XXXX I contacted coinbase through their customer service phone number XXXX ( XXXX ) XXXX the representative told me the transaction says complete and I should have my money. After that she says she will make a complaint to the transaction escalation department and that they will be getting in contact with me through email. It is now XX/XX/XXXX and I have yet to hear from them. I still have {$2000.00} on their account and I am scared to withdraw with the fear of the same situation happening. I made withdrawals before with success never had a problem with coinbase until now. I am uploading a picture of the transaction with coinbase dated XX/XX/XXXX and my bank statement from XXXX to XX/XX/XXXX that proves there is no wire from coinbase
I declared Chapter XXXX bankruptcy in XX/XX/XXXX as part of my divorce proceedings. The debts included in the bankruptcy were discharged in XXXX XX/XX/XXXX XXXX XXXX of XXXX XXXX Firm in XXXX, OK was my attorney for these actions. I had a loan through Honda Finance at this time. It was communicated to Honda Finance that I intended to keep my car and continue paying on the loan and the loan was not included in my bankruptcy. Two years later, I have discovered on my XXXX Credit Report that Honda is reporting that my loan was closed and is reporting that my account status is derogatory. Meanwhile, I have been paying Honda Finance {$320.00} per month every month in the belief that I was paying off my loan and helping to rebuild my credit. A call to Honda Finance was answered by someone who was completely unhelpful and refused to offer any assistance whatsoever. Honda Finance apparently believes that they can do whatever they want, regardless of what the law says. I informed my attorney, XXXX XXXX of this situation and he advised me that Honda is in violation of the Consumer Fair Credit Act and directed me here to the Consumer Financial Protection Bureau. XXXX XXXX is willing to represent me in a lawsuit against Honda Finance, but I would like to avoid such a costly and time-consuming endeavor. I am hoping that you can investigate my case and, if the situation warrants such an action, force Honda Credit to do what a solitary individual citizen apparently can not - follow the law and refrain from screwing people just because they think they can.
I take out a loan from XXXX XXXX in XXXX for {$2600.00}. At the time I was really desperate. Once the money was deposited to my account, XXXX XXXX immediately turn the loan over to a debt collection company name Cash Call. I 've been paying {$290.00} every month since XXXX XXXX. I call customer service a few days ago and was told that I 'll be paying this loan until XXXX XXXX. I know I 've paid this debt back already, over {$7000.00}. I would love some relief from this debt that 's hanging over my head. If I continue to pay until XXXX I 'll be paying over {$15000.00} for a {$2600.00} loan. Please help me.
Premium Asset Services is violating the Fair Debt Collections Practices Act ( FDCPA ) in communications with me and depriving me of my legal rights under the FDCPA. 

On XX/XX/2016, a message on my answering machine requested me to call a " XXXX XXXX '' at a call-back number. A search of the number found it is Premium Asset Services, a debt collector. 

On XX/XX/2016, I answered the phone and was connected to a belligerent man who stated an alleged unpaid debt and began prodding me to acknowledge it. I did not. He said it can be determined in " discovery. '' I stated that Premium Asset Services is a debt collector and requested that he mail me a collection letter ( written notification ). He insisted they are not a debt collector, but rather a " law office '' or " law firm. '' He refused to send me written notification and said he does not have to do so. He accused me of some sort of legal violations and said I " better get an attorney. '' He said " we only give it 72 hours. '' I said, " I believe you are a scammer. '' He then hung up. 

Since then, numerous messages have been left on my answering machine demanding I call Premium Asset Services, PAS, or a " XXXX XXXX. '' Some have implied that the matter concerns my residence and/or have implied that legal action is pending against me. In addition, the phone has rung multiple times during weekdays without messages being left. 

I submit that Premium Asset Services has violated the FDCPA as follows : 1. In all calls received from Premium Asset Services, failure to state that the call is from a debt collector and that the purpose of the call is to collect a debt. 

2. Misrepresentation of Premium Asset Services as a law office/law firm. 

3. Refusal to send me written notification of the alleged debt. The FDCPA requires debt collectors to provide written notification within five days of first contact. The XX/XX/XXXX call was the first contact. 

4. Implied threats of legal action. 

5. Deceit : Implying that the matter pertains to my residence. 

6. Causing a telephone to ring repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Promotional incentive promised {$200.00} " reward '' withing 14 days of opening a Huntington XXXX checking account and depositing {$1000.00} within 60 days. I deposited {$1500.00} on XXXX XXXX. On XXXX XXXX I received a {$150.00} reward, which is {$50.00} less than their advertisement stated. I called their customer support line and was told the offer that was applied was correct, and offered no explanation for the {$50.00} discrepancy or a resolution. 


This is a " bait-and-switch '' tactic designed to trick customers into changing banks while saving themselves some money with a reduced reward.
This is a continuation of complaint XXXX, since the servicer did NOT resolve the issue described in that complaint. The company 's response to that complaint included this : " We show that the account was setup on our Max Pre-pay Plan on XX/XX/XXXX. Please note that this allows for the additional funds to be allocated for payments, which is why the funds were being designated as unapplied funds until they were enough to satisfy a monthly payment. We understand that this is not what you were requesting and apologize that you were setup on this plan. We currently show that the account is no longer setup on this plan and should not have any further issue with the payment application. " Firstly, I never requested my account be set up on such a plan in the first place. During that XX/XX/XXXX call with a customer service rep, I was trying to resolve another payment issue in which my entire payment had been converted to purely interest curtailment ; the customer service rep told my my account had been set up incorrectly, and he could change it so that any additional amount I payed above the required minimum payment would automatically go towards principal curtailment. That sort of account alteration is what I agreed to. There was no mention of a plan named " Max Pre-pay Plan '', nor was the change he was going to be making described as any additional payment above the required minimum payment getting dumped into " Unapplied funds '' with no curtailment of principal. 

In addition, regarding the company 's statement that " We currently show that the account is no longer setup on this plan and should not have any further issue with the payment application. '' I submitted another payment XX/XX/XXXX in the amount of {$3200.00}, which included a monthly payment amount of {$2000.00} and an additional principal amount of {$1200.00}. The on-screen confirmation as well as the emailed confirmation accurately reflect my instructions for applying the payment, as described. Despite those confirmations, the company decided to not follow those instructions upon payment processing, instead treating the additional principal payment as " Unapplied funds '' which did not curtail the principal balance : Unapplied Funds XX/XX/XXXX {$1200.00} {$0.00} {$0.00} {$0.00} {$1200.00} {$340000.00} Monthly Payment XX/XX/XXXX {$2000.00} {$710.00} {$930.00} {$390.00} {$0.00} {$340000.00}
Greetings, I am concerned with the business practice of Navient. They currently service my Federal Student loans. Over the last year my payment has constantly been different even through I am on a Income driven payment plan. They invoices don't match my billing, the billing doesn't match my loans, and I cant take advantage of interest reduction because I refuse to let the company auto draft payments out of my account. They are unable to accurately show me a schedule of payments, and the payments they do come up with aren't documented anywhere. I feel like I'm literally being robbed each month by a company that provides no service other then attempting to make me default on my loans through trickery.