WillisBack/dataset-financial-user-claim huggingface dataset:
Name : XXXX Loan Company : Navient over the last XXXX years I have been making my payments on time. I got laid off XXXX weeks ago, the company ( navient ) claims that they can not provide me with any relief even though I 'm unemployed. Then I asked them to lower my payment and put me in some sort of program, to do that they say they must speak to my cosigners, these people are elderly, my XXXX is dealing with my XXXX XXXX, my XXXX is dealing with a theft and robbery, my XXXX is on a fix income older lady. They are asking to speak to them during these difficult times. I understand business, but they could lower my monthly payment I 'm just asking for a very small period of time or some sort help. They have nothing left to say except they must speak to my cosigners I told them I could get the information and they dont want that. I asked them not to put me in a program just to lower my payment by {$100.00} I told them I felt confident that I would find a job soon and should have the funds to make the payment and they do not want to help. I spoke to a XXXX and instead of giving me any help he reiterated the initial statement and told me it was unfair to his company that I felt like they were not giving me help. He was condescending and disrespectful to me. They have all the cards, they dont have to do anything to help me because they know if I dont make my payment they will just put me in default. I'am left with taking money from my food, electric, and phone bill to make their payments because I do not want to go into default. I understand business again my issue is that I have been responsible in making my payments I havent made a late payment in that time period. I just want to add my name to this list because I want people to know before they get in a loan with Navient that they will give you a loan but if you ever find yourself in a difficult position they will not help you in any way to make your payment. The only help they have is " make your payment of go into default ''. People need to know these companies have no XXXX for the people they are supposed to be providing a service to, they want their money and there is no wiggle room. Please research this company before you decide to take a loan out.
On XX/XX/2018, I received a letter from US Bank stating they investigated a late payment they reported on my credit report, but in the report they made a false statement stating they had a phone call recording in which I admitted the error was my fault and that they called me. US Bank in no way ever contacted me directly. Every time I had contact with them it was me calling to figure out the issue. I want a full investigation into this and I want all phone calls I ever made to be released because I feel I am being harassed by this company when all I want is for them to remove an unfair late payment from my account that they caused by not sending me notice my account was ever late. 

Refer back to complaint XXXX.
My bank, XXXX XXXX XXXX XXXX, online bill pay service issues a check and mails it two days before due date that I set in bill pay. In this case XX/XX/XXXX was due date to pay credit card Co BBVA Compass. I confirmed with my bank online bill pay that check was cut and mailed for XX/XX/XXXX. 

Problem is the credit card company, BBVA Compass, receives payment check issued by my bank, XXXX XXXX XXXX, on XX/XX/XXXX then has slow processing with check posting on XX/XX/XXXX ( the XXXX as a Friday ) thereby incurring me a {$27.00} late fee and minimum interest charge of {$1.00} I called BBVA and they reversed both fees after much discussion as to why I should no be held responsible. However, when I explained that the late or slow processing is the cause of the problem at BBVA, her response is that I should be paying 2 to 3 days before the due date in order to avoid the late fee.

I do not have this problem with ANY of my other bill pay banks ... ever.

She did not seem to grasp the concept that

BBVA 's processing a payment two days after its arrival is not acceptable nor their responsibility. Hence my complaint. I have attached proof copies of payment dates and check clearing dates.
Contacted my employer and asked for the payroll department. Told payroll my name and that I was being sued and needed personal information. Gave them the number to a supposed attorney. They were vague, rude and kept bringing up the point that i was being sued. I have no knowledge of this lawsuit and have received nothing by mail. The call was forwarded to me and the caller was speaking very fast stating I am attempting to serve you papers and you have 2 hours to call the attorneys office of XXXX XXXX XXXX so you do n't miss your court date. He gave me the number then hung up. Very confused I called the number provided and the recipient identified himself as an attorney stating I was being served papers and being sued for moneys owed to HSBC. I received nothing by mail and was confused to the debt so I inquired to send me literature on this for vetting. He kept bringing up that the debt is valid but we could settle for an immediate payment. Hesitant I said not now as I 'm suspicious and he gave me another number tho the " owner '' of the debt. I spoke with her and again she was rude, in a hurry and said her company does this all the time and does n't want to waste her time talking this out and will gladly just garnish my wages, intercept my tax return or levy my property unless i agree to payment terms immediately.
I am XXXX and can not call. I was overcharged ( double charged ) {$11.00} by XXXX on X/X/17 at XXXX when I purchased minutes online for my cell phone. XXXX charged me twice for a single purchase. I contacted XXXX via their chat option on their website. I was told that they can not reverse the charge online and that I would have to call to get the charge reversed. The nice lady at the XXXX XXXX  tried to make the call for me but XXXX just kept adding 30 minutes wait time to speak to anyone and she did not have time to keep holding. Because I am XXXX and do not have XXXX XXXX nor a land line I could not call Direct Express to get them to reverse the charge so I wrote a letter as their web home page says you can do. I enclosed a copy of my printout of the chat conversation with the XXXX people as well as a printout of my Direct Express account that shows the double charge. I included all of the information the website says they will need to resolve the matter. I sent the letter and proof of the double charge to Direct Express on XX/XX/XXXX and again at the end of XXXX. The charge has not been reversed and I have not heard anything from Direct Express about the matter. Please help me get my money back. It is not much but when you live on XXXX and have to choose between food and medicine each month, {$11.00} makes a big difference. I am attaching proof to this complaint.
I am called at least 8 times a day every day by XXXX. This number is associated with Midland Credit. They do not leave a message. If this is about debt collection, it is not mine. I have never had bad debt. Stop calling! It is harrassment. Ca n't block number because I use XXXX XXXX.
I got a loan with Wells Fargo Financial. In XXXX I received a modification fthe, from them. I fell behind again in XXXX. They sent me a letter in XXXX of XXXX stating I need to pay {$11000.00} to bring the account current. I sent them that that amount in XXXX XXXX XXXX ( {$11000.00} ). In XXXX of XXXX I receiv another letter stating I owed an additional {$5500.00}. They told me that they forgot to add something in. I told them I had no more money to give th them. I had never missed a payment, and they could not explain to me where the additional {$5500.00} came from. 
I had no other choice but to go to XXXX. They brought my account up to date for {$22000.00}. I still do not where this amount came from. 
The account then sold to Wells Fargo Home Mortgage and I started to get calls asking me for an additional {$19000.00}. I have been trying to refi my house and when the escrow company gets a demand, it shows I owe the additional amount of the {$19000.00}. 
I finally got a representative to get my account to their corporate office. 
I received a letter from a XXXX XXXX stating that amount was interest from my modification in XXXX. ( Wells Fargo Corporate office ) If my account was brought completely up to date in XXXX by XXXX, how can I still owe from XXXX? 
I have worked on this for over two years and have not got anywhere. 
I have lost the opportunity to refinance several times. No one is able to help me. I need a resolution.
I recently sent a dispute in for some items to Experian and the information came back verified. I requested the method of verification that they used in order to verify the information and instead of giving me that information, they initiated another reinvestigation. I sent yet another letter requesting the method of verification and made sure I noted that I did not want a reinvestigation or a general outline of how the items were verified, I wanted specific information. While waiting for the method of verification response, I sent XXXX the collection agencies a request for validation. Experian still initiated an additional reinvestigation instead of following through with my request for the method of verification. They sent back the results stating that the items that I disputed were updated, remaining, or processed. I warned them during my last request for a method of verification that I would be filing a complaint if this request is not fulfilled and they have not.
I just learned about " CFPB and DOJ Order Ally to Pay XXXX to Consumers Harmed by Discriminatory Auto Loan Pricing '' over this past weekend of my own web surfing. I had a loan under the period that was covered, so to day I contacted the cfpb today and advised that I had n't been contacted by the settlement admin and XXXX please provide that info. XXXX the person who answered provided me with the admin toll free number and web site. I called the admin and spoke to a person who advised me that ( 1 ) the deadline to opt-in was XXXX XXXX ( 2 ) I indeed did was on the list ( 3 ) that Ally bank and NOT the admin contacted consumers and provided the names to the admin. I advised the admin that I moved XX/XX/XXXX to a different address and that I never received a letter regarding this settlement. I was also advised that the checks were already mailed XXXX XXXX and that other consumers were complaining about moving and not getting the proper details about their rights under the settlement. How is it that the order of the court states that the admin shall contact eligible consumers and then it turns out that the defendant is tasked with contacting consumers? My vehicle has since been repossessed and could it be that the defendant did n't care to allow men to get any money back?
I had a loan with Wells Fargo Bank that I had been paying on for years. I had XXXX loans. ( 1 ) Mortgage payment, ( 2 ) XXXX charge card, ( 3 ) installment loan. I had paid faithfully until I was XXXX and was in an accident. I am also in a XXXX and unable to get around well alone. I am also a Senior Citizen. 
I explained to Wells Fargo Collections Dept. before they contacted me and let them know I was having a hard time paying them in XXXX due to unexpected hospital bills and Doctor bills. I asked them if they would waive the interest or late fees until I could catch up and I would make payments so I would not be too far behind. They said no. I was behind in XXXX and XXXX. I finally borrowed the money to get them off of my back so I would not be continuously harassed. 
On XX/XX/2016, I took & XXXX to Wells Fargo drive in window to pay on my loan, I paid {$200.00} on my charge card account and I had already paid my Mortgage on the XXXX when I got my Social Security Check. I was completely paid up, I also put {$300.00} in my checking account to cover XXXX other bills, XXXX for {$100.00} and XXXX for {$150.00}. On XX/XX/2016 I checked my balance and I only had {$28.00} left but I knew the XXXX checks that I had paid on the other XXXX accounts had not been paid. I checked and realized Wells Fargo XXXX Department had pulled out another payment, plus late charges plus interests. After I had paid them XXXX payments they took another XXXX. this prevented my other checks from clearing. I contacted the bank to express my dissatisfaction with what had happened to me and I was told there was nothing anyone could do because The Collections Department was a separate department. They told me I could file a claim which I did but the Collections Department said they could put the money back when they got ready and they were going to take 10 business days before they did that. It is now XX/XX/2016, My account is at - {$150.00} they added a bounce check fee on top of the money they took out of my account which they should never had gotten. 
My main concern is I only get {$XXXX} from Social Security and my house note is {$760.00} per month. which is paid to Wells Fargo every month. The collections department knows this and has access to my account. They know what a hardship I am having and for them to know how much I am struggling with the illnesses that I have is abuse and heartless. I am afraid that if they have not put my money back in the bank by the XXXX I could not pay my house note and could get behind which would possibly lead to foreclosure. This is not fair to me since I have tried to get some help from Wells Fargo and there does not seem to be any help available. I have outstanding debts from collection departments from the hospital, doctor 's offices, collections departments and every where else. I need to be advised or put in touch with a lawyer that can help me without charging a fee which I can not afford to pay.
I have been trying to get verification of this debt from Armor Systems. They have refused to send me documents that  fully verified the debt. I have got some paperwork from them but it was only screenshots and no paperwork showing a contract of myself actually owing this debt. Also, failed to show a wet signature proving that this is my alleged debt. I will attach my mailed requests to this complaint. Armor Systems has been taking my state tax returns for 3 or 4 years without full verification of this alleged debt. They will take this current year 's state tax refund from me as well.
We applied for and were approved for a loan modification. After the third trial payment was made in full on time we were advised of a judgement/Lien. We took care of this immediately and provided the mortgage company with a warrant of satisfaction which was obtained from superior court. This warrant states that the judgement in question was paid in full and judgement closed. The mortgage company then requested county recording information. As it appears our county does not do this and was unable to provide us the requested documents. The county records clerk provided us with a letter stating this letter was not available, which we also forwarded to the mortgage company. Upon follow up, we were advised that our modification was closed, they would not allow us to talk to loss mitigation, actually refused to transfer to that department. After stating our obvious disagreement, we asked mortgage company to send out a workout package. We called to follow up because we did not receive the packet, and was advised to print it out. A few days later we received a letter stating the sent our file to attorney to commence foreclosure proceedings. This is absolutely unfair. 
In addition our mortgage company did not record our mortgage with the county until approximately 4years after obtaining it. They want to hold us accountable for not being timely submitting a document that does n't exist for us but can not be heldheld accountable for their insufficiencies with the same entity ( county ) I feel we are being bullied and not properly treated. Any assistance will be greatly appreciated. Thank you
I am filing a complaint against equifax, cause i have sent them a copy of my police report and a request to block a credit card that was opened fraudulently in my name with XXXX XXXX XXXX account # XXXX and they have not removed the fraudulent account per my police report. XXXX and XXXX have already token care of the fraud and equifax is not cooperating in getting this removed.
Comerica Bank refuses to reimburse me for fraudulent activities on my account during the time period of XXXX and XX/XX/XXXX. I am sending along official documentation of my incarceration at that time, which clearly states that I was in custody for a year during that period until my release on XX/XX/XXXX. Also included are the Social Security documentation of overpayment as well as the bank statement showing payments made to XXXX, XXXX XXXX, etc. This is a DirectExpress Mastercard through Comerica Bank onto which funds are directly deposited.
Have automatic withdrawal to pay B. of A. mortgage. I refuse to do business with Bank of America due to their blatant, unfounded attack on 2nd Amendment rights. Thankfully mortgage, note holder agrees to refinance through another institution. We both feel leaving the Bank of America is out of our hands. Their recent actions regarding XXXX rights are absolutely illegal. We both believe Congress will intercede in this matter. In the meantime we must close all accounts with substantial amounts of fees being applied. We demand B. of.A. pay all associated fees. Taking responsibility for playing politics. An the attempt to steal rights from citizens is their own fault.
XXXX XX/XX/XXXX XX/XX/XXXX Never gave permission to run my credit. They did it twice.
IN XX/XX/XXXX I bought an ATV, was offered Zero % Interest due to my nearly perfect Credit Score. I accepted that offer from XXXX XXXX XXXX, and the payments were billed by an internet service, XXXX, directly to my XXXX XXXX, which is paid in full every month thru direct debit to my checking account. Never an issue. In XX/XX/XXXX I received a collection call on a Saturday from XXXX asking when I intended to make the past due payments on my account? I was floored, because I had never made a payment, they were drafted automatically monthly ... at least from XX/XX/XXXX to XX/XX/XXXX. I questioned the caller quite a bit, as I was completely unaware of the past due status ... after some time the Customer Service Specialist II, said " You know I remember something like this with another caller a few months ago, can you please hold '' She returned with the name XXXX, the internet service that was actually taking my payment and processing it to XXXX. 

I searched my email for anything from XXXX to find contact information, and I did find an email dated XXXX thanking me for the payment..nothing further ... .after I inquired why they stopped making the payments I was informed of a huge data breech they experienced and that they had suspended all operations. That an email was sent to all users in XX/XX/XXXX notifying users that the service was terminating..well that's great if you get the email ... after several back and forth conversations, sending all the documents I was able to gather, hoping BBT ( XXXX ) would retract the past due report to Credit Bureaus, due the obvious and previous experienced issue with XXXX ... XXXX staed that they offer no 'Good Will '' Adjustments to items reported to the 3 major Credit Bureaus ... .This couldn't be clearer, it was NOT my mistake, yet my credit report has taken a significant hit because of the 60 days past due report. 

XXXX has offered via email to join in a call with XXXX to help support my request for a retraction, admitting that the email they " Sent '' to me was NEVER OPENED, no record that it was ever delivered ... ..spam filter, whatever ... ..and that they were sorry for the problems this has caused. 

This was a failure of the XXXX system, and for the error to cause negative rating to my credit, again nearly perfect for 25 years..is very disturbing ... and doesn't in any way reflect my personal credit responsibility and awareness. Only when I saw the FICO score drop in a monthly statement, did I become alarmed ... ..now 2 weeks into this I'm no better off than when I started this dispute. 

Please help!
I have a mortgage managed by Wells Fargo, but which they appear to have sold to an investment group of some sort, identified only by a code number. The mortgaged home is in foreclosure for a variety of reasons, but with Maryland 's required mediation, I was optimistic that a modification would happen. I submitted all appropriate documentation, and on the day of mediation ( XXXX XXXX ), both the XXXX and Wells Fargo 's lawyer were stunned that the package was already complete and submitted. Wells Fargo 's position was that they would take 30-45 days to reach a decision on the modification, so the XXXX notified the Court that the parties had been unable to reach agreement -- she said that 's the only outcome when a modification request is under review. Given that the package was complete, Wells Fargo was reviewing, and even their attorney was confident an offer would be forthcoming, there was no direct contact with Wells Fargo during the mediation session on XXXX XXXX. Twenty-four hours later ( not 30-45 days ), Wells Fargo denied the modification request. They stated that I was ineligible for HAMP modification based on my ability to afford the mortgage ( with no reference to the mid-five-figure arrearage ), and that the mystery investor who actually owned my note would not allow a modification because there had been a prior modification on the note. In essence, Wells Fargo rendered the mediation required by Maryland law ( because like everyone else, the Maryland legislature recognized the bad faith of Wells Fargo and its ilk ) utterly meaningless by feigning consideration of a modification just long enough to check the mediation box before proceeding with the foreclosure process the next day. My e-mail appeal to the XXXX went unanswered ; my call to Wells Fargo 's attorney was met with an " oh, well. '' ( I 'd note that that attorney 's boss was previously suspended from the practice of law by the Maryland Court of Appeals for forgery in connection with Wells Fargo foreclosure practices, but was back from suspension and signed my foreclosure docuemnts ). Ironically, days after this deft move, Wells Fargo agreed to pay the largest fine ever for its bad faith in mortgage practice, but the XXXX dollar fine certainly has n't changed anything about their behavior, nor have all the fines and lawsuits that preceded it. I 'm appealing the mediation denial to Wells Fargo, though that 's clearly nothing more than another box for Wells Fargo to check off. It 's hard to understand how both the Federal and State governments can criticize, punish, and try to control Wells Fargo, yet they sidestep, manipulate, and carry on as if it were still 2007 and they were still handing out mortgages like balloon animals to stock their mortgage backed securities ( which is what, I suspect, my mystery investor/mortgagor actually is ).
I am submitting this complaint about XXXX. I had a XXXX  balance with them. Recently I checked my credit reports and noticed that I am in collection with XXXX for {$100.00}. I went to the XXXX website and it shows a XXXX balance. I contacted XXXX on XX/XX/2018 and was told that it went to collection. I explained that I never received any notices nor phone calls to alert me that I was being sent to collection. The rep agreed no notice was ever sent out. Having this debt on all 3 credit reports is affecting my credit in a negative way. This is XXXX fault as how am I suppose to pay a bill if the system is showing a XXXX   balance.