WillisBack/dataset-financial-user-claim huggingface dataset:
I have been working with IndyMac turned to Ocwen since XXXX to process a deed-in-lieu on a property I owned. After much back and forth with the banks, my property was finally officially transferred/deed recorded from me to Ocwen in XXXX XXXX. Since then, I have followed up with Ocwen several times to receive a XXXX to file with my taxes. As an aside, they issued a XXXX in error in XXXX. Each time I contact Ocwen about a XXXX, they keep saying that they are still working on my file to close it out. It 's been 17 months since the deed has been transferred to them and I just called the other day and they told me that they were still working on it and may not have it done by the end of XXXX? The Mortgage Forgiveness and Debt Relief Act of XXXX provides a tax exemption for homeowners for " income '' resulting from debt forgiveness related to foreclosures, short sales and principal forgiveness of loans. That Act expires on XXXX XXXX, XXXX and therefore, if Ocwen does not process this deed-in-lieu it would prohibit/exclude me from exercising my protections and rights under that law. I am XXXX XXXX in the United States XXXX XXXX and had to release this property as a result of a permanent change of station as a result of my call to XXXX XXXX. I am serving this nation, and I have tried my best to work with Ocwen to resolve this matter, yet, this issue is not a priority to them since they will benefit from having me not qualify for relief under the law. I would hate to think that they are " sitting '' on my file so that I can not claim relief under the law. If that 's not the reason, they have very inefficient business practices that will ultimately have grave financial repercussions for me. I am disappointed and at my wits end. Once again, Ocwen claimed that they would try to expedite resolve, however after 3 years of going back and forth with Ocwen, I ca n't continue to believe what they tell me. I have filed XXXX XXXX complaints but they have an F rating anyway so that has not worked. I am now reaching out to the CFPB in hopes that you all can help me to get them to simply close out my deed-in-lieu file before XXXX/XXXX/XXXX.
National Credit Adjusters , LLC is collecting on an original debt from XXXX XXXX, an online loan lender. Representatives from Credit Adjusters are calling my cell phone nonstop using repeat auto dialing, they are calling my place of employment repeatedly, and talking to others about my debt using strong language and in a tone that would suggest that I'm being sought after because I am in trouble with the law.
On XX/XX/XXXX I visited XXXX XXXX Hospital XXXX. I have received XXXX bill for this service within the last XXXX weeks for {$2900.00}. Today ( XX/XX/XXXX ) I received a phone call from a debt collection agency, and several previous attempts were made to contact me this past week. XXXX XXXX at AR Recourses XXXX Inc., informed me that I additionally owe the doctors that treated me on XX/XX/XXXX an amount of approximately {$1200.00}. I told him that I have n't received a bill for this amount, and he informed me that XXXX was sent out on XX/XX/XXXX. He informed me that I had XXXX days to pay or he would report it to the credit agencies.
Bank XXXX XXXX sent the payoff on XXXX trucks to Blvd Bank, XXXX XXXX Loan Operations Department, on XX/XX/XXXXThe Cashier 's Check was cashed on XX/XX/XXXXBank of XXXX nor I received a lien release on my XX/XX/XXXX Chevy XXXX. When inquiry was made to XXXX XXXX Loan Operations area, they stated they are waiting for the file??? 
This truck was paid off XXXX days ago with a Cashier 's Check. There is no reason the lien release should not be sent out. I do not understand a bank operations area that can be that dysfunctional. This is totally unacceptable financial practice for a financial institution. Where is the fiscal responsibility?
I filed a dispute with XXXX in XXXX XXXX XXXX on accounts that I had no contracts with, The original owners sold the account but I had no contract with the company who put this on my report.I filed with XXXX the same no contracts.The breach with XXXX has not helped with my reports ... when I filed my reports I had a score of XXXX with XXXX  working my way up to a over XXXX score and all of a sudden my score has dropped XXXX points because XXXX allows these company 's to make a jester to the account? This is totally wrong on both parties
They gave my information away by making it available through an unsecured website. Although this was in XXXX of 2017 I was not informed until XXXX of 2017 that this happened.
This was an auto loan taken out by my ex husband ( regency finance co. ). Not only has it been closed and charged off but happened in 2010. We have been since divorced, and it shouldnt be on my credit report
I was on a repaying option until XXXX 2017. I got a letter asking to call in to get back on it. I did before my XX/XX/XXXX bill was due. I gave them a lot of financial information and they said I no longer qualify. I am not sure why I do n't since I get paid the same and I have the same bills as before. On my payment plan, I paid {$300.00}, the next month off of it they wanted {$330.00}. I paid it so I would n't be late but I do live paycheck to paycheck and if something big was going to happen like if my car stopped working, I would have no money to fix it and then I could n't go to work to have money to pay any bills. Now, they are saying that my bill is {$400.00}. I can not do that. {$300.00} was difficult for me. They have never given me any options or told me what they can do to help. I also do not understand why my payment is going up every month.
Back on XX/XX/XXXX thru XX/XX/2017 I was a victim of idenity theft. Someone wire frauded money out of my checking account therefore making me 2 months behind on my mortgage. I have filed a FBI report and a XXXX XXXX Police Department report ( report # XXXX ) I'm asking XXXX XXXX to remove all the 30 days past due on my credit report to all the credit bureus. I can provide a copy of police report if needed.
I contacted collection agency and let them know it is not my debt clearly shows XXXX XXXX I have disputed this issue with the bureau and they have not budged.
XXXX XXXX brough this debt from XXXX. I canceled this insurance do to finding new insurance and now they are saying I owe them {$120.00}. Idk how when I CANCELED the service. This is a scam.mhow do I owe when I canceled.
Capital one was suppose to close my account down in XXXX. It has now been 6 months and the account is still open but on hold and no funds can be taken from the account. I have been reaching out to capital one every month about this and no one ever returns my call to assist me and they are just racking up interest on the balance. I have tried numerous time to resolve this and Capital One has done absolutely nothing to resolve it.
There is an unauthorized and fraudulent account from XXXX XXXX for {$270.00} listed on my Equifax credit report. This account do not belong to me. I have never had an account with XXXX XXXX. The account is the result of identity theft.
Contract Callers Inc has called my home phone every single day looking for a XXXX XXXX. I have told them twice now I have no known knowledge of this person and asked them to remove my number and they have not. They call my home phone every single day.
Im on a fixed loan. My payment almost doubled from last year. No one at statebridge will help me. I keep telling them theres no way this is right and they tell me to refinance my loan. But could not explain why my payment went from XXXX a month to XXXX and I have had other people look at it for me and they all say there is no way this is right. Im XXXX and only get XXXX a month so Ill lose  my house. Ive never missed or been late on a payment. Please help!! Im scared and this place is all I have
Submit a student loan complaint We 'll forward your issue to the company, give you a tracking number, and keep you updated on the status of your complaint. 




What happened? 
Desired resolution My information Product information 5.Review What happened [ Edit ] Describe what happened so we can understand the issue ... 
Navient has been calling me and mailing letters. Additionally a letter that indicated negative information on my credit report which may make it difficult for me to obtain future credit including auto loans, additional education loans, home loans and even credit cards. Apparently, I tried to refinance my condo, but Navient affected and damaged my credit rating. I am retired, XXXX veteran, and on a fixed income. I am a cosigner for my daughter 's college loans and she has not graduated yet. Navient is very unfair and reported me to the credit bureau. Subsequently, my credit rating was good, but Navient damaged it only to intentionally prevent me from obtaining other loans. 


Consent to publish the description of what happened? Consent provided My loan is Non-federal student loan ( Private, alternative, other student loan ) Issue Dealing with my lender or servicer : Received bad information about my loan Desired resolution [ Edit ] What do you think would be a fair resolution to your issue? 
Navient forgive borrower and cosigner of all student loans due to the hardship that I had to endure and the difficult problems I have had with them. 
Navient repair credit scores which they reported to the credit bureau. 
Navient stop calling and harassing me day and night. 


My information [ Edit ] Contact information Mailing address XXXX XXXX WA XXXX United States Email XXXX Phone XXXX Age XXXX I am submitting on behalf of Myself Product information [ Edit ] Billing address is the same as mailing address. 

Account/Loan number or SSN XXXX Information about the company Navient Corporation Navient has been calling me and mailing letters. I also received a letter that indicates negative information on my credit report which may make it difficult for me to obtain future credit including auto loans, additional education loans, home loans and even credit cards. Subsequently, I tried to obtain additional education loans and also refinance my condo but Navient affected and damaged my credit ratings. I am retired, XXXX veteran, and on a fixed income. I am a cosigner for my daughter 's college loans and she has not graduated yet. Navient is very unfair and reported me to the credit bureau. I have had good credit ratings, but Navient damaged it only to intentionally prevent me from obtaining other loans.
XX/XX/2016, American Express representive stated my 0 % interest would continue because my husband is a disabiled veteran. Then XX/XX/XXXX a second representative stated American Express is working on it since I sent in my husbands XXXX already that was requested. I waited a few months or so and called American Express again. The third company representative told me that the reason the interest rate was not 0 % is because I took my husbands name off the credit card. I gave him the info for my husband. I even received my husbands card. The rep reassured me 4-5 times that " all is taken care of '' and " he will process the XXXX percent retroactive to XX/XX/2016 ''. When I called again, now I am being told that my interest relate is 13 % and nothing can be done after MONTHS AND XXXX Am express reps told me the 0 % interest rate would continue. 
I keep telling the new reps that I spoke with that because I was promised 3 times by XXXX different am express representatives that the 0 % interest needs to be honored since husband is a XXXX veteran, I was told by XXXX reps, I have written the CEO 2 letters stating it is the right thing to do as a best practice business decision this one time PLUS train their customer service representatives the correct information so this never happens again to a XXXX veterans family at a financially pressing time. 
If I was not reassured this 0 % interest rate would not continue, I would have been paying down this bill instead of doing lump sums to my other bills!!!
I was served a XXXX by Cooling and Winter dated XX/XX/2018 at my home by Process Servers. I answered the Summons well within the time frame allotted. I never heard back from Cooling and Winter after  recording my answer with the XXXX County Clerk of Court.  XXXX I visited a relative I had lived with briefly four years ago. He gave me what he thought was a stack of junk mail. However, within that stack were three separate envelops from Cooling and Winter.  They included A Notice of Hearing for XX/XX/XXXX, a Summary Final Judgement and their original Motion for Summary Judgment. It is obvious this was done intentionally by Cooling and Winter. They knew my address when filing for a Summons and they had my phone number because I called them when I received the summons. They denied me my Constitutional right to defend myself at trial. And, the court, could they not see, since I wasn't there, that two addresses were  used and if they used my relative address it should have been filed in a different County?
In XX/XX/2015, Tide Water Finance are reporting a reposession on all three reporting agencies and a balance of {$20000.00} on a vehicle and that I've 28 % of the original amount. This was not a repo and there is no balance of {$20000.00}. This is incorrect information is adversely effecting my credit as well costing me money in higher interest rates and even higher insurance premiums. Please help!
I took out a title loan for {$2600.00} from Titlemax on XXXX/XXXX/2015. The company advertised same day cash. When I finished the paperwork the company cut me a check which was a breach of the agreement. I took the check to the bank it was drawn off of, XXXX, and they informed me they could not honor the check until they spoke directly with the guarantor of the check. I called the location and the check was no honored until the following day. I am currently 19 days past the due date of my loan and Titlemax has sent a truck to repossess my vehicle. I called Titlemax after they opened to take care of the overage and was initially told I would have to make 2 months payments. After getting to the location I was then informed I would have to pay the full balance of the loan. I asked them for a copy of the loan and on the contract it showed that {$2700.00} was actually financed. They also told me I would have to pay and additional {$400.00} for the towing fees. This is an attempt to strong arm me out of my vehicle. Also they told me I could NOT sue them in court and when I looked over the contract again there is a stipulation in there that you wave all rights to sue them in court for disputes.
My government student loans are reported separately as open and closed accounts on my credit reports from Equifax, XXXX and XXXX. The " closed '' accounts report negative information, whereas the loans are reported again in the " green '' and positive separately. I want the negative ones removed.
I contact XXXX to help counselor me with process and they forwarded it to Penny Mac. I followed up with Penny MAC on Monday was told they have paperwork for XXXX was put on hold briefly a different pert came on call I was then told they I need to follow there instructions and they was accepting paperwork for XXXX that I need to do it directly. Im having problem with payment because I have been sick for several months and cant make payment. Before this made it to this point I reached out to Penny MAC for help they say I was current and they couldnt help but I was telling them I been ill for awhile but still had cash to make payment
On XXXX/XXXX/2016 I received a call from XXXX from a women who said she was calling from Bank of the West. She informed me that the she was calling customers because the bank had sent out promotional credit cards to their good customers, with 0 % interest for 6 months and that a lot of people were saying they never received anything. She asked if I had received a credit card in the mail. I told her I had not received any credit card. I assumed that this was a mistake, since there was nothing on my account online. She told me that the she would send out a new credit card and to expect it in 7 - 10 days. On XXXX/XXXX/2016 I noticed a new line of credit on my Bank of the West online account. XXXX also sent me an email that there had been activity on my account. On XXXX/XXXX/2016 I called Bank of the West and I told them my story. They told me that I had signed up to their promotional credit card, which I never did. I told them I needed them to cancel the card and to report this to all credit bureaus as a mistake. She then said she would send an email to her manager to look at my account because I have indicated the account open was done fraudulently. She said I would get a call back. What I think happened is on XXXX/XXXX/2016 the person I spoke to was lying and she actually signed me up for a credit card without my permission. I think this seems probable as her story, that the bank was giving out credit cards seems flawed, I 'm not a good bank customer. Although I have good credit on my bank account I routinely go negative balance. If that did n't happen and Bank of the West opened an account without my permission this is not okay as I never agreed to their credit card, the line of credit and their terms. They have a high interest rate on their credit card 19 % and only 6 months no interest promo, that 's pretty XXXX. I have a XXXX card with no interest 21 months, I would never get a Bank of the West credit card, makes no sense.
Our former mortgage holder ( XXXX ) sold our mortgage to Nationstar in XXXX. I paid my last mortgage payment to XXXX in XXXX, and my first mortgage payment to Nationstar in XXXX. Out of the blue, without any previous notification, in XXXX, they are saying I am 3 months behind in my mortgage. I have been going back and forth with customer service since XXXX and it is still not rectified. I have faxed them my bank statements for every month with my payment circled and my previous payment history that was shown to be up to date. I am receiving letters and phone calls about my payment being late, and when I call customer service every day, they say they are still researching it. Today I received a letter that said they have researched and fixed the problem and my XXXX 2015 payment is due. THATS WHAT THEY SAID TO BEGIN WITH ... WHAT DID THEY FIX? My payments are all paid up except my XXXX XXXX payment I have not paid, only because I wanted this straightened out before I do. I 'm sure they have reported this to the credit bureau, and they are completely wrong. Once again, I faxed them every month statement with the payment on there circled and the statement marked.. XXXX payment, XXXX payment, XXXX payment and so forth thru XXXX. I have written to Nationstar customer service complaint, The XXXX, and now you. I have asked to speak to the " research department '' which is supposedly looking into this, and was informed the do n't speak with customers. I have asked for supervisors, and the supervisors supervisors, and still no one is fixing this. I am at a loss what to do next. please help.
XXXX XXXX, 2015Diamonds InternationalXXXXXXXX XXXX, XXXX XXXX Sir or Madam ; Please be advised I intend to continue my dispute for the transaction amount of {$17000.00} on Diamonds International account XXXX. I want to exercise in good faith my right to withhold further installment payments for the purchase of XXXX, which had been returned and received by D.I International office in New York on XXXX XXXX, 2015I do not owe your company additional installment payments totaling {$17000.00}. Again, The merchandise had been returned! Making further installment payments for a document that states " Store Credit Voucher '' totaling {$17.00} is beyond me. First, I have not received the voucher and second why am I buying it? ( literally ) I do not understand as to why D.I will not just credit my account since your credit card company is XXXX of the same as the merchant. I have sent certified letters and emails to your company requesting to do a charge back to no avail. Actually, D.I International credit card owes me a refund of {$380.00}. I have sent a payment of {$610.00} minus {$230.00} ( amount not in question ) leaving a positive balance of {$380.00}. 
I have not lost hope for your company to understand my dispute. Hoping for a positive response. 
NOTE : At the time of purchase, retailer failed to provide their return policy. 
Retailer had no conspicuous display of their No Refund Policy outside or inside the store, failed to provide its No Refund Policy anywhere in front of the sales receipt, and retailer 's sales representatives failed to inform me of store 's No Refund Policy before and/or after signing sales agreement. It was only when I attempted to obtain a Return Merchandise Authorization was I informed of retailer 's no refund policy in fine print located at the back of sales receipt. 
Cc : Consumer Protection Agency/ XXXX Consumer Financial Protection Bureau/ Federal Trade Commissions
In XX/XX/2017, I disputed this with the credit bureaus and it was deleted when the company could not verify this account belonged to me. They have now re-reported it to the credit bureaus. I have never had an account with XXXX - which is showing to be the original creditor. XXXX has confirmed that they do not have my information showing in their system as a past customer.
I have requested proof of validation on several occasions from the collections company   XXXX   (   XXXX   XXXX   XXXX   ) and also from  XXXX  and Transunion once in  XXXX ,  XXXX ,  XXXX  and  XXXX  of 2017. I asked for the original alleged contract with my true signature and that of a qualified employee with the alleged original creditor. After requesting this information several times they failed to provide me with the proof I am allowed to have by the guidelines. Since they failed to send me the requested proof, I wanted this account to be closed and removed from my credit reports on   XXXX   and Transunion.   XXXX   and Transunion have not complied with the law and accurately verified my information as well. I have disputed with   XXXX   credit bureaus three separate times and they have yet to send me any proof of the investigation with this company as well.
several hard credit checks within a short period of time without my authorization. XXXX XXXX and car financing institutions
I have been paying my loans on time for years and the balance never goes down. XXXX XXXX Navient does not provide enough information for me to understand how they are continuing to XXXX me. I signed up for these loans as a kid so I understand I signed a contract for the load fees/ origination fees, variable interest rates etc. 
However, the information provided does not show the loan balance. It simply shows what has been applied to interest and what was applied to principal. The thing is in my budget I write down my last balance for each loan and even though the loans are in repayment they continue to increase in the amount owed. 
I have also noticed " Repayment Fees '' this is ridiculous considering how all of my loans have doubled in value and my monthly payments do nothing ( I understand amortization, but for the loan balance to continue increasing while in repayment is inexplicable. ) I called to speak to someone about the fees and they assured me the account would be credited ... it was not. The people who work at the call center barely speak English, never mind understanding my concern with the loan balance continuing to rise while in repayment. This company needs to provide a running balance to show how each payment has effected the total of the loan. Otherwise, they are continuing to rob us blind more so than they can legally. 

I have attached a screen shot of the information Navient provides to its customers. As you can see I have paid interest and principal payments, however somehow the balance I owe has increased ... .. They are playing games and this is most likely illegal. They need to show how each payment effects the balance and if more interest is charge in a month ( because of the variable rate I am sure ) they need to show that as well. These loans will never be paid at this rate and my total SL per month = {$1600.00}, how am I supposed to live with this payment especially if the balances only increase over time.