WillisBack/dataset-financial-user-claim huggingface dataset:
I was told that I pay them a certain amount and my student loan would be forgiven, was contacted by XXXX and they stated that, not true never heard of the company and i been paying them sine XX/XX/XXXX, monthly since. And nothing has been paid towards the loan. Also that a student loan is never forgiven, so I been paying them, thinking it would be paid off, tried calling have to leave MSG for someone to call back. The company name is Equitable Acceptance Corporation, XXXX, MN XXXX
Navient is my student loan servicer. They have not provided an explanation of why my interest payments vary so wildly from month to month. They do not provide monthly statements that allow you to track payments, and where your funds are applied.They do not provide a telephone number to speak with a representative with a reasonable wait time ( & lt ; 10 minutes ). They do not provide useful answers to my questions via emails. They do not let you show a record of the emails you have sent them, they just disappear and you have no proof of what you contacted them about.
My wife and I have filed paperwork multiple times with FedLoan Servicing to have our billing combined. This has never happened. I also submitted a large sum payment 2 years ago, and have been trying to get FedLoan Servicing to bill me monthly rather than simply treating my loan as paid ahead. On XXXX XXXX, 2016 I notified FedLoan Servicing of these issues using their online " contact us '' email system. I explained the issues, and asked that they contact me as soon as possible. Other than sending a standard automated response almost immediately after I submitted my online email, FedLoan Servicing has never provided a substantive response to my request. 

My wife had a very similar experience with FedLoan Servicing a couple of years ago to discuss adjusting repayment options after I lost my job. She even filed a complaint with the Department of Education 's ombudsmun because it seemed they did not want to take any actions that would help us pursue income based repayment options reflecting our adjusted income at that time. In response, FedLoan Servicing lied to the Department of Education and claimed they had responded to my wife 's email, although they never had. I share this because FedLoan Servicing seems to have a lengthy history of disregarding communications, offering consumers the illusion of a convenient communication option but then ignoring these communications. It seems likely that this keeps students in repayment plans for as long as possible that are beneficial to FedLoan Servicing under its contractual agreements as a loan servicer, as opposed to actually performing the function of servicing federal student loans. 

No company should profit from servicing loans on behalf of taxpayers in such a poor, underhanded manner. FedLoan Servicing should provide adequate customer service and if the organization does not want to respond to messages submitted via its online log in system, then it should not even offer this as an option as it is a bait and switch. It makes consumers believe they have initiated a communication to address a problem, only to follow up and then continue to be ignored. It 's absurd and must stop.
On XXXX an online fraudulent transaction/purchase was made on my Macy 's American Express card. I reported the incident to Macy 's after it was discovered, on XXXX. A police report was originally filed on XXXX to the XXXX ( Report number XXXX. ) A Statement of Fraud was faxed to Macy 's originally on XXXX, again on XXXX and again on XXXX. I have documentation of XXXX calls I have made to Macy 's and Citi to try and resolve the fraudulent transaction/purchase.
I applied for an apartment and was told I will be approved based on my credit criteria but the services were not provided as promised. The transaction posted to my account on XXXX/XXXX/2017 for {$33.00} by XXXX XXXX XXXX XXXX
On XX/XX/XXXX, Bank of America mailed out a card for a new authorized user on my credit card. They send it by regular mail and it was lost by USPS. 

The guy who steal the card swipe the card at a local gas station and XXXX  for around {$16.00} and it is an obvious fraud. 

The bank decided to reject the claim because a chip card is used, which they claim will prove it is my responsibility. Which is totally unreasonable considering their " Zero Liability Protection ''. 

I called the Bank, and after a full hour of wait and connected with a supervisor XXXX, I was asked to go through all the hassles of file police report and USPS lost mail case in order to appeal to the claim, without promise that the non-authorized charges will be refunded. Regardless of what I say, they just keep saying there is nothing else they can do.
i filed a complaint against experian here with the CFPB file # XXXX which was forward to Experian, and Experian responded since CFPB is a 3rd party they cant file the dispute, it has been almost 2 months since then, they requested my drivers licence which they have it already on file i gave it to them when i disputed this item, so they sent out this letter to CFPB and to me this is a stall tactic Experian is using so they should n't have to make a dispute, i need this to be removed from my report since Experian has no reason not to initiate my dispute, because Experian knows that i was the one to  dispute this item on my report its very clear that Experian is playing games, who ells wants this item off my report if not for myself? and Experian knows that i sent in the dispute, its been more then 30 days to investigate i by law Experian needs to remove this item from my report
this is a fraudulent account att already gave me credit and cancelled the account do to fraud ... i have a letter from XXXX clearing me
Earlier this year our mortgage loan was sold from XXXX to Carrington Mortgage and our homeowner insurance renewed around the same time as this. I paid our mortgage using the old amount before the escrow analysis number could be adjusted to the new payment. Carrington placed that {$1400.00} payment into their " unapplied cash '' on our account which makes it appear that we missed a payment. They charged us a late fee and hit our credit reports with a missed/late payment status. Up until this point with our mortgage we 've had great payment status. My husband is has been out of work since XXXX and I do everything I can to ensure our house bills our paid on time. Carrington has a history of complaints with what has happened to us. It has been reported that they " pad '' their escrow accounts to make money and cause people undue stress when raising their monthly mortgage payments. I site the following websites for these complaints of sold loans and problems. XXXX corrected our unapplied cash payment and I have reached out to Carrington about this issue. They have told me there is nothing they can do.
Over the past year and a half I have been trying to correct an erroneous account on my credit report. The account XXXX XXXX is old dating last activity to XX/XX/2011.Every time I attempt to get these 3 bureaus to remove it because the amounts, the status 's and the dates of last activity are all inaccurate and unverified to me after 30 plus days after each of my disputes the deny me and ignore my pleas. Instead of properly and lawfully deleting this account they are constantly changing dates around, statue 's of the account and changing the personal statements noted to the account. I don't understand what sort of investigation they are doing, who and which company they are verifying information with but it is extremely frustrating and damaging to my credit. They are not updating me on the descriptions and procedures taken to verify that it is old. Please enforce the law and have XXXX, XXXX and Experian follow FCRA laws and guidelines so that I am no longer personally affected by misinformation or inaccuracies.
when I received a copy of my background check there were addresses on there that I never lived at before and there were charges that I was never found guilty of on there which caused me to get turned down for a job. I believe it was because they only searched my first and last name only.
Today I received in the U.S. Mail a letter from " Experian '' dated " XXXX XXXX, 2016. '' Under the " Address '' section of my " Experian '' credit report it lists a false address of " XXXX. XXXX XXXX ; XXXX, California ; XXXX. '' I have never lived in " XXXX, California '' nor I have ever own a " XXXX. XXXX XXXX '' in " XXXX, California '' nor anywhere else in California! I am the victim of Identity Theft. I had written to " Experian '' about " Deleting '' this " XXXX, CA '' false address over 30 days ago, all to no avail.
Fraudulent checks where deposited into my Chase college checking account and both were taken out my account within 24hrs even though they were both over  XXXX  meaning that it shouldve taken a couple of business days to be checked. It caused my balance to go into the  XXXX  and when I filed the claim they gave me a temporary credit. They then also said that the inqiruy was resolved. They then told me that my account would be closed within ten business days, they told me to not call back or it would reset the closing process. They did n't call to update me on the claims process so I was not informed that they need more info to officially close the claim. Instead they instead reverse the claim and told me that i would have to pay back the  XXXX . i could n't even check my account during the claims process because my account was restricted so i had complete no clue what was going on. They refused to take responsibility even though they allowed the checks to go through without the proper hold and ignored the fact that I had a college account so a withdrawal of that amount in one day was over the set limits for a college account. I think that chase tries to get over on its younger clients
I contacted Navient ( my servicer ) and requested to consolidate my student loans so that I could request Income Driven Repayment, in light of significant financial struggles ( reduced employment, and income ). The Navient representative indicated that I could not consolidate my loans XXXX, XXXX, and XXXX because they were returned to the guarantor ( The Federal Government ) and that I should contact them. The call was disconnected ( I 'm is not sure if the representative disconnected or not ). I called back and spoke with another representative, who told me that the loans XXXX, XXXX, and XXXX could not be consolidated because Navient had submitted them to The Federal Government, and the Federal Government had " rejected '' them and returned them to Navient, therefore, Navient " owned them '' and that I would have to pay them in full to Navient. I asked why the Federal Government had rejected them and when did this happen. The Navient representative said he did not have that information. I then contacted the Federal Government student loans office, and I spoke with the National Student Loans Systems representative. She checked their database and told me that Navient had NOT submitted the loans to them, and the Federal Government had not rejected any request from Navient. She indicated that she could see and could determine from the database ( Federal Government ) any transactions that would have affected my loans. She transferred me to a representative who helped me complete the online loan consolidation request ( at the Federal Student Loan website ). My loans XXXX through XXXX were included in the consolidation request. PLEASE help, I hope to consolidate my loans and request an Income Driven Repayment plan. Thank you for any and all assistance.
For the pass 2 years dated back in XX/XX/2015 i closed out my XXXX XXXX account due to financial hardship but unfortunately XXXX XXXX and the collection company won't delete it off my credit report. At the time i had just got laid off from my job and i truly wanted to keep up with the payments so that's why i had to closed the account. All i would like is for them to delete and remove the negative remarks off all of my reports.
Our home mortgage was sold to XXXX. They hired Seterus Inc. to service the loan. This year, Seterus began demanding money in excess of the required monthly payment under the loan documents. They threaten to foreclose if the extra amount is not paid, but we have not paid it. When I asked for an explanation they simply remained silent. I am an attorney. I believe they are demanding excess funds not authorized by the mortgage. They do nothing when we refuse to pay. This has been going on for about five months. The amounts they are demanding make no sense. They are different every month. I checked on the Internet, and they seem to be doing this to many other people. I believe it is a scheme to defraud people out of money they do not owe. There is other misconduct Seterus is committing. If you run a search on the Internet for Seterus Inc., these consumer complaints show up. I am certain I have not heard all of them yet. I can not believe this misconduct is occurring. I feel sure that the owner of the loan does not know about this.
My husband became ill at the age of XXXX and passed away approximately a month later on XX/XX/2018, while in a XXXX XXXX. 

XX/XX/2018 : I received a collections letter from XXXX. As I recognized neither the Creditor ( provider of services ) nor the amount owed, I immediately called to inquire about the correspondence. I spoke with XXXX, who told me that this was a bill for XXXX XXXX in XXXX. I told her that my husband had not been in a facility in XXXX. She said the original bill had gone to a XXXX XXXX ( XXXX? ) in XXXX XXXX, which has NEVER been an address of ours. She said she would send an itemized bill to my correct address. If this bill wasnt correct, I could write a letter and mail it to them to dispute the claim. 

XX/XX/2018 : Having received no correspondence reflecting this amount, I called back to XXXX  and spoke with XXXX. XXXX explained that this bill is for the physician who treated XXXX at the XXXX XXXX in XXXX XXXX ( which is correct ). He goes on to explain that I would not have seen an EOB with this amount, as they have not yet billed XXXX for this service. 

( Oddly disturbing fact, as I was speaking with XXXX, I overheard this in the background : lets give it up for XXXX who just got a {$430.00} (? ) payment and everyone cheered ). 

How many people blindly pay this, especially as there is clearly employee incentive to collect immediate payment? How can this go to collections without a single bill or a claim to XXXX? I feel as if this borders on fraud. 

When I asked XXXX about not billing insurance, he said that if people go ahead and pay them, the patient can still send a claim to their Insurance Company and XXXX would immediately repay the patient. I would wager the likelihood of this happening is quite low. If it took two calls for me to even discover the truth about these circumstances, how would most people know that they needed to follow up with Insurance after paying this? XXXX tried to back off from the debt collection aspect and said they handled the physicians billing. If that is the case, this correspondence should not state this communication is from XXXX  ; a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. When I call in, I am also told the call will be recorded and is an attempt to collect a debt.
I filed a complaint { XXXX } on XXXX-2017 because Equifax refused to remove my authorized user trade-line. Besides my authorized user trade-line, I also have other XXXX XXXX accounts that are not authorized user accounts. Equifax deleted account XXXX - {$24000.00} - XXXX XXXX XXXX XXXX as instructed ... however they deleted all of my XXXX XXXX accounts to cause me harm. I called and spoke with a manager to no avail. He was very rude. I need Equifax to place my accounts back on my credit report. The account numbers are XXXX ... XXXX ... XXXX ... XXXX ... XXXX ... XXXX ... all are XXXX XXXX XXXX XXXX accounts.
XXXX Illinois electric company has hired a debt collector " The Cbe Group Inc-former '' to attempt to collect {$1000.00} from me on a electric bill that is not mine. I am on the national do not call list and they call me at work even after I tell them they are breaking the law. I don't have this debt and it is innacurate. 

This has impacted my credit score and effected my personal and work life.
This is the second complaint I put in. They responded and said they checked my credit reports and that's how they determined to decrease my limit. THEY ARE NOT ALLOWED TO PULL CREDIT WITHOUT MY AUTHORIZATION. I NEVER AUTHORIZED THEM TO DO SO. 

XXXX XXXX lowered my credit limit from {$1100.00} to {$800.00}. I brought my balance down below 30 % to improve my credit. Once I did that, they lowered my limit down to {$800.00} so my balance would reach my credit limit and bring score back down. My score dropped significantly by 16 points. It should be illegal for creditors to be allowed to do that on occasion. It destroys the consumers credit history and livelihoods. They need to increase credit limit back to where it was so it will show at 30 % bellow statement balance again so score can go back up!!!
I have been overpaying my car loan since 2015. Now the company set it up for me to pay every two months, but I am overpaying every month. The company changes back and forth as to whether the payments go to principle and or interest. Each time I call to try to make progress the company fluctuates as to whether the extra payment goes to interest or principle. They stated that no matter how much I pay each month I will not be able to pay my loan off early.
Between XX/XX/XXXX and XXXX 2017, Wells Fargo began taking {$5.00} a month because my savings account was below {$300.00}. I did n't receive clear warning or notice of this fee.
These accounts from " Transworld Systems '' showed up on my credit report in XX/XX/XXXX as delinquent although I was never contacted by them in any way. Initially, I thought identity was stolen, but apparently this is an attempt to collect on loans from XX/XX/XXXX that I thought were forgiven due to the fact that I am permanently XXXX and on Social Security XXXX due to severe XXXX XXXX & XXXX. I don't understand why Transworld Systems is now, out of nowhere, reporting that I am delinquent on this debt. Moreover, the information they are giving the credit agencies is very misleading because it is showing that the account was opened XX/XX/XXXX. I never opened an account with them, and for them to report this as late without ever notifying me that I owed anything is very unfair. I've called numerous times but the line is ALWAYS busy. I'm not sure, but this seems like a scam.
Sent me a letter ( attached ) stating they will removed from credit, reports, still on my credit reports.This is not me, request validation this company could not provide
When I received my credit reports. The information was reported charged off when actually I paid the account in full and received the title. Also I took a title loan years after it was paid off and the car was totaled the insurance company paid the Balance off and sent me the difference. This company reported it. As being repossessed.
I have a mortgage with Seterus who is servicer for my loan. my monthly mortgage payment was {$2300.00} ( principal + interest ) paid on XXXX XXXX, but Seterus increased the payment to {$3000.00} due by XXXX XXXX in which they say escrow account added, but it is without my approval. 
I have asked customer service dept ( XXXX ) to remove escrow account on my loan verbally and in writing since XXXX XXXX, but they have not removed it until today. 
I never opened escrow account before, so I do not need to pay escrow amount in addition to original mortgage payment. it is their mistake and it should be corrected back to previous status and it is time sensitive matter but they gave me a false instruction and a lie so that I have n't got any corrected statement yet. 
1, 1st time call : XXXX XXXX, lady ( did n't get name ) advise me the will fix the problem, just ignore the bill statement with increased amount and I shall be given updated bill statement soon. but nothing happened 2. 2nd time call : XX/XX/XXXX, XXXX XXXX, told me that previous customer service agent did not do anything, so she was now making a special request for fixing the problem and advise me to wait until next week but nothing changed. 
.3. 3rd time call : XXXX XXXX, XXXX XXXX and XXXX XXXX ( supervisor ) told me that they can not handle this problem and I need to submit the request in writing to correspondence department XXXX. XXXX XXXX : I faxed the request and I have confirmation email from correspondence dept on XXXX XXXX XXXX. XXXX call : XXXX XXXX, XXXX XXXX, asking her to expedite the request so that I can just pay same amount as contract on next due but told me just wait until they respond to me. she said it will take one month. 
summary ; - it is seterus that made the problem, they should corrected this problem right away but customer service agent told me a false instruction causing to wasting of time - customer service agent said they can not handle escrow account issue and ask me to contact correspondence department directly through fax after 2 weeks of false instruction. 
- they said correspondence department will respond me within 30 days - but next due is XXXX XXXX and I just want to pay same amount as I always paid which is not with escrow account. 
- customer service agent asked me to just wait until correspondence dept answer and pay increased amount with escrow account which is wrong.
I have an account with BBVA Compass. Appears they charge fees whenever they decide to. I was charged {$10.00} from my account without them giving me an actual date. So I tried to call them today with 8 attempts, either I was disconnected from the robot call or someone from offshore. My account is set to speak with only someone in the United States. However these people refused to transfer my call. I 'm very disappointed with how BBVA handles banking for their customers and the phone reps should be educated on what the customer request. Their attitudes are horrible.
I closed on a house on XXXX/XXXX/16. Three months after closing, I received a bill from the homeowners association with an itemized fee referred to as " capitalization '' in the amount of {$600.00}. After speaking with representatives with the HOA management company, they advised me this fee should have been paid/taken care of at closing. Since this is a closing cost that was not handled, or disclosed to me I do not feel I should be responsible for the fee as I felt closing costs were already high compared to other lenders and I would have likely borrowed elsewhere.
Decided to dispute accounts on credit report, but I couldn't get accounts on my credit report from the reporting agency showing that these are my accounts. Ask them to investigate these accounts, but only receive they are validate and belong to you. Ask them to show me proof they belong to me and couldn't get proper proof or a response. Sent out certified letters asking for proof and recieve a we not reinvestigation this matter.
I was in XXXX school until I could not continue due to XXXX. I have equested requested an IDR last year, as I explained this situation. I received a noticed that I received a bill of XXXX by XXXX XXXX. When I called to address this process again, I was referred to a sub program. They want XXXX by XXXX XXXX. I had my last operation XXXX XXXX, 2017. I am still in recovery. My XXXX hearing is XXXX XXXX, 2017. Currently I do not have an income. I believe I been scammed by Navient. XXXX University Please help me.
Each XXXX/Navient representative I 've dealt with had always highlighted some " error '' that the previous representative made, while I 'm the one who bares the hardships of their actions. From incorrect interest assessment, conflicting due dates, lumping accounts together but having one separate for whatever reason, assessing my income and expenditure and deciding that I can pay much more than my most reasonable suggested amount. I 'm committed to repaying all my loans but not under the duress they 've have me under for the past year.