WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX - I called Fed Loan Servicing to try to change my repayment plan ( I had been switched to Standard Repayment Plan ) because I had not submitted by tax returns by a requested date ( Fed Loan states they sent me a letter requesting the tax returns but I never received it ). I immediately sent my tax returns in, they stated that in the meantime while my information was being processed, I could ask to be placed into forbearance. To do this I submitted a forbearance request. They stated I would then receive a PAPER bill for a {$5.00} reduced payment. I also resubmitted application for income driven repayment plan. I was told my income driven repayment plan app would not be processed until the XXXX reduced payment was processed. XX/XX/XXXX - called fed loan, told reduced payment of XXXX was still waiting to be processed, told to not make any payments but to call back " in a couple of weeks. '' XX/XX/XXXX - called fed loan stated that they could see the request but there was some unknown problem, they would " push it forward " and I would get the {$5.00} bill now in my email. XX/XX/XXXX -- Called fed loan, stated I had not yet received {$5.00} bill either in email OR in inbox, they stated it would come betweenXX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX -Called fed loan again because I did n't trust them anymore by this point, rep now told me I would get the bill " this week '' and it would be due by XX/XX/XXXX XX/XX/XXXX- called fed loan told them STILL had not gotten any bill. Also told that my application for the income driven repayment plan had expired ( I had submitted it in XX/XX/XXXX but they said it had been pending until the XXXX payment was processed ). I resubmitted a new income driven repayment plan app
lication. I was told to " just go ahead '' and make a {$5.00} payment online and " they 'll know what its for '' despite the fact they had continued to tell me they would send me a bill and to NOT make any payments except when I received the bill. I made the {$5.00} payment. XX/XX/XXXX - Called fed loan told that their system was down and " ca n't see anything '' regarding my application or the {$5.00} payment, told that even though my forbearance period was up, and my bill was going to be due ( likely before my new income based repayment plan was processed ) I could request to extend my forbearance. Told to call back later.
XXXX sent an outstanding phone bill to a third party collections agency. XXXX terminated my phone lease without my permission or authorization ; therefore, I do not owe anything to XXXX for breach of contract.
The bill being collected was settled through XXXX XXXX - New Jersey XXXX XXXX Payment Assistance Program.
**PLEASE HELP. STOP TOMORROW 'S FORECLOSURE : XXXX XXXX, XXXX This is my XXXX complaint against SunTrust Mortgage. I see from SunTrust 's response to my previous complaint that they claim they have no record of our applying for a modification. XXXX of the modifications we applied for with SunTrust took place in XXXX 2016. As previously stated, it was at that time, that XXXX XXXX XXXX of SunTrust 's Loss Mitigation Department, recommended to me that in order to stop a foreclosure that was scheduled for XXXX XXXX, I should apply for a modification, which I did. A copy of said application along with XXXX of XXXX XXXX XXXX 's emails to me is attached to this complaint. Also at that time, as there were multiple client relationship managers with which I had to work, there was extreme confusion that came up at the last minute, about filing for a modification vs. selling our home. If one ca n't apply for a modification and list the property for sale at the same time, then why would applying have been recommended to me? Why does SunTrust 's modification application form ask if you want to sell the property? Why does the form not clearly state that if the consumer 's intent is to sell the property, then modification is not an option. In short, I was lead down a confusing rabbit hole on this issue. Now SunTrust is attempting to hide behind this confusing smoke and mirror tactic that they purported on me. We were having to make major, life altering decisions in a rush, due to SunTrust 's tactics. As I 've stated before, we were only attempting to sell the home as SunTrust had previously refused to work with us on a modification. We were then hit with a doubled monthly mortgage payment. All of this, yet again, demonstrates that SunTrust has not demonstrated good faith in working with me to save my home. In XXXX 2016 as now with tomorrow 's foreclosure date, they have denied me ample time in which to address these confusing and complex issues. This is simply more of their blatant predatory practices. PLEASE STOP THIS FORECLOSURE!! Please thoroughly investigate these events and save my home!
My federal loans were paid off on XX/XX/2017 after refinancing with a private lender. Due to the timing of the refinancing process, my federal loans were overpaid by {$920.00} because I kept making payments during the refinancing process. I was sent a letter from FedLoan Servicing indicating that my loans were considered paid in full on X/X/17. It has now been sixty days, and I still have not received a refund of {$920.00} overpayment. I have not received any correspondence from the FedLoan Servicing addressing this issue. I have contacted FedLoan Servicing through their preferred contact procedure ( email ) and have yet to receive anything other than an automated response that my inquiry was received. They have removed my account access to view my bill history. Further, despite acknowledgement from FedLoan Servicing that my account was paid in full, my own account still reflects that my loans are in " repayment status '' and lists upcoming direct debits on my account for XXXX XXXX, 2017 on loans which show negative balances owed to me. The relevant company contact information is below : XXXX XXXX XXXX  FedLoan Servicing XXXX. XXXX XXXX XXXX, XXXX XXXX Send completed Direct Debit application forms to : FedLoan Servicing XXXX. XXXX XXXX XXXX, XXXX  XXXX Send letters and correspondence to : FedLoan Servicing XXXX. XXXX  XXXX XXXX, XXXX XXXX Send Credit Disputes to : FedLoan Servicing XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Send Consolidation related letters and correspondence to : FedLoan Consolidation Department XXXX. XXXX  XXXX XXXX, XXXX XXXX Contact the Office of Consumer Advocacy at : Pennsylvania Higher Education Assistance Agency The Office of Consumer Advocacy XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Capital one reported me as 30 days late for a XXXX XXXX payment which is the only late payment that I have ever been reported on in the 4 years I have had the card and I disagree with this reported late payment. I have not been receiving my bills through the mail on a regular basis every now and then i do revieve a bill in the mail .do to me not recieving my bill regularly have been calling and making phone payments through capital ones phone services. The recording indicated that my payment for XXXX was due on XX/XX/XXXX so I waited till XX/XX/XXXX to make a {$500.00} dollar payment to XX/XX/XXXX payment and XX/XX/XXXX payment ahead of time and remainder towards principle. By making it on XX/XX/XXXX I thought it would cover my next month payment which I have done in the past and the system has accepted both payments crediting both months.By me not getting my bills in the mail on a regular basis I have only been able to determine my cycle through what their customer service line supplies me with which is due date of the XXXX each month. I called to resolve this issue with them and was told I signed up for paperless which is not true. I do not use the Internet especially for credit cards or for payments which my account should show that all payments have been made over the phone. When I asked them the history of the loggin they could n't give me a date other then the initial date which they said was XX/XX/XXXX which I 'm positive I did not sign up for paperless. I 've have spoke to several supervisors and it seems they are reading notes of the previous person I 've spoke to and no one 's making efforts to rectify there error which has miss led me and subsequently has caused damage to my credit score which renders refinancing my house ineffective before this happened my credit score would have been able to get my refinancing done which would save me and my family thousands of dollars a year.
I noticed accounts listed on my credit report that I do not recognize. I have attempted to dispute directly with the creditor/collector and with the bureaus with no success and am now taking legal action. I have filed an identity theft report with the FTC and with XXXX XXXX KY Police. None of the medical bill son my account are mine. The XXXX bill is not mine. The inquiries are not mine. I could not list all of the accounts but XXXX XXXX XXXX is not mine. I contacted them and they are a daycare which I have never used. Also XXXX XXXX XXXX which is XXXX XXXX XXXX should not be on my credit as I was a co-applicant who did not reside there. I paid half of the debt which is indicated and they said they would remove my liability and remove from my report. The total was XXXX and I paid XXXX.
I would like to dismiss this student loan I been paying for this loan since XX/XX/XXXX, College closed end of XX/XX/XXXX, was not able to successfully obtain a job in my career field, due to the high cost of these loan 's not able to purchase a home. continue on income sensitive for years, now that is closed they did not credited me to go back to school tuition free.
On XXXX XXXX or XXXX, I applied to Capital One for a credit card. I have very good credit and their website said I was approved and would receive a card in XXXX to 7 days. In early XXXX, I received a letter telling me I would receive the card soon. Today ( XXXX ) I called Capital One and, after a run-around, I was told that it may take another 16 days. Think that companies that lie to customers should be grilled by someone.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. I would like a full copy of my report.
A ) '' On XX/XX/2018 I went to XXXX XXXX XXXX headquarters at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX of XXXX. I spent {$1500.00} when converted into USD from {$200000.00} JMD. I was unable to receive my purchases and requested a cancelation and/or refund in XX/XX/2018 from merchant as well as my credit payment issuers whom were the store manager of XXXX XXXX XXXX XXXX XXXX as advised along with XXXX XXXX. However, XXXX XXXX   XXXX has been denying all of my claims including category B listed below. Others were unmentioned here ''. Images are attached. 


B ) '' On XX/XX/2018 ; I went to the XXXX XXXX check in kiosk and front desk to obtain my boarding pass for that day. I had five suitcases and the airline staff refused to allow any carry-on or free checked bags. I was uncertain that this was the right policy. 
I was uncertain that this was the right policy for this " XXXX XXXX '' XXXX XXXX arrangement ticket # XXXX. Record Locator XXXX. However, they made no exceptions to my protests. '' " I proceeded to check all bags at the kiosk. I was charged {$610.00} dollars. '' " Upon weighing my bags on the weigh station ; I was again charged {$400.00} after that initial payment ''. 

" I have submitted a claim to the XXXX XXXX online Customer Support Center with copies of passport, travel/payment itinerary and boarding pass which I had prepaid in the amount of $ XXXX+XXXX prefer seating as well as {$25.00} telephone ticketing service on XX/XX/2018. Noted oncrdit summary in amouns of {$330.00}, {$12.00}, and {$25.00}. '' " I was overcharged for travel services by the XXXX XXXX Agents and Representative 's on day of travel and unreceived benefits during prepaid registration for my choice of ticketing and seating preference in business or first class. I was placed in a group 6 but was next to almost last for boarding. I did not get a first class or business type extra such as baggage fee rules ... XXXX $ {$25.00} for 1st bag  ;. {$35.00} for 2nd bag ; ... {$150.00} for 4th bag, ... ..etc. 

For instance ; Allowances were for >100 pounds ( 51/23kgs to 70/32kgs ) ; >200 pounds ( 62in=157cm ).
On XX/XX/XXXX, my husband ( now ex-husband ) and I moved into XXXX XXXX XXXX in XXXX, XXXX. We resided here until XX/XX/XXXX. We put in our 30-day notice to vacate our apartment due to the fact my husband had military XXXX that were XXXX him in XXXX. Therefore, due to the Servicemembers Civil Relief Act ( SCRA ), we were allowed to break the remaining term of our lease. 

XXXX XXXX refused to accept my husbands official military XXXX, and since have sent our account to Hunter Warfield Collection Agency to try and collect on a debt that we do not owe. 

I have tried contacting XXXX XXXX, who are the owners of XXXX XXXX XXXX and they have yet to respond. 

I am currently working with my local credit repair company to resolve some past credit issues and they recommended that I contact CFPB to step in and handle this situation for me.
The complaint is against FBC Mortage, LLC XXXX XXXX from the start it was impossible to get a hold of XXXX or get replies back form vm and emails. First it was misleading we were told that our payments would be XXXX or lower a month. Are initial loan document had all the wrong numbers and when I pointed it out he told me not to worry about it. The application was just to get started. I sent them all the docs they requested that same day requested. They never confirmed received and they they lose some of them I had to resend them. Throughout the process I kept asking if they had everything no reply and days later they would reply and say yes. Well 3 months before closing I asked are we all set they go oh no we need some more docs, its like when did you plan on calling me. Two weeks before closing which was set to be XX/XX/2018 I kept asking when do we lock interest rate when do we get the final loan documents so I can review and make sure everything is correct. XXXX XXXX kept making excuses and putting me off. Three days before closing he finally locked interest ( and not because I was late on getting docs back he delayed I have no reason why ) and emailed us the docs rushing us that we needed to sign that night he emailed it to us around XXXX XXXX. 
When I saw the interest rate I asked why is it higher over 1. percent he goes to me it went up this week. So what you are telling me because you waited so long on locking the rate we now have to pay more mortgage payment. When I was asking for the documents the week before closing XX/XX/2018 it was at 4.85 and he locked it in the next week at I believe over 5. Because of this we could no longer afford the payment they wanted over {$1800.00} a month and we kept telling them we can't afford more then {$1600.00} they kept telling us and misleading us telling us they would be low. We could not go into a new home deal knowing we would loose the house and had to walk away. Because of that we lost the {$3000.00} deposit.
My XXXX-year-old daughter 's debit card was used fraudulently beginning on XXXX XXXX, 2015. 
While the bank - Wells Fargo - stopped all subsequent debit card charges that day to taxis, additional subsequent fraudulent charges were permitted by Wells Fargo to a number of fast food outlets and discount grocery stores. As soon as the funds on the debit card were depleted, Wells Fargo withdrew a total of {$270.00} and XXXX {$12.00} overdraft fines from my daughter 's savings account. The fraudulent charges at locations ( XXXX and XXXX ) and businesses ( fast food chains and discount grocery stores ) were inconsistent with my daughter 's spending patterns. We live in XXXX. 

I became aware of the fraudulent charges on XXXX XXXX when I uploaded transactions on XXXX, discovered the fraudulent charges and contacted Wells Fargo to shut down the card. Wells Fargo promptly refunded the full amount of fraudulent charges and bank fees. However, my specific complaint is that the bank 's fraud detection system identified and stopped fraudulent charges on XXXX XXXX but even two days later the bank neglected to : ( 1 ) alert my daughter that her card was being used fraudulently ; ( 2 ) stop subsequent fraudulent charges ; ( 3 ) stop overdraft fines ; and ( 4 ) stop fraudulent withdrawals of funds from her savings account to cover fraudulent overdrafts. Additionally, no one at the bank was willing or able to provide contact information for the consumer protection complaint I wished to file with government regulatory agencies, which again seems highly unprofessional and inconsistent with the intent of federal consumer protection law. 

Failure to notify us and also to stop fraudulent charges after an initial instance of fraud is well below the standard of practice for credit card companies. I believe that fraud prevention systems and practices should be even more responsive for debit cards given that the funds are immediately withdrawn from accounts. I am submitting this complaint because I believe Wells Fargo has an obligation to improve its fraud detection systems and staffing so that consumers receive same-day notice of suspect debit card fraud. Additionally, I believe that all banks ( not just Wells Fargo ) should be obligated to provide ( upon request ) accurate and timely information about government agencies established for consumer protection and to receive consumer complaints.
This company XXXX XXXX, XXXX were told on XXXX XXXX, 2015 .via certified mail, That this account that they are trying to collect on is a result of XXXX. The company who sent them the information ( Amercian Education Services/ National Collegiate Trust ) had been informed on XXXX 2015 that this account was a result of XXXX and they sold them an uncollectable account. I sent them via certified mail all of the necessary legal paperwork, identity theft affadavit, police report, etc and advised them In accordance with the Fair Debt Collection Practices Act to stop collection proceedings against me and stop communicating with me about the debt except as the Fair Credit Reporting Act allows. I also asked them to notify the the business Aes/NAtional Collegiate TRust that this account was a result of a XXXX. They have not responded to me on this and knowingly went and sold this account to another debt collector XXXX because now in XXXX XXXX, 2015 I received a letter from that collection agency trying to collect on this debt. They have unethical practices here at XXXX XXXX, XXXX
I did a international transfer on XX/XX/2016 of XXXX to XXXX ( XXXX ) using 3-5 days of remit service and they showed on their website credit date of XX/XX/2016. I received a confirmation email from their system as well as one of their agents emailed again confirming the date. I did n't receive the money on XX/XX/2016 and when contacted them by calling, they simply denied saying XX/XX/XXXX is a holiday and the amount will be credited on XX/XX/2016. I will incur monetary losses due to this delay. When initiating the transfer their system was n't able to verify the holiday and also an agent personally confirmed the date. They provided a range of 3 to 5 days and they are conveniently taking consumers for a ride. I see several remittance related complaints for this company and feel it 's moral responsibility to report against to protect consumer rights, they should be suspended from business for not following ethical business practices. XXXX/
Signed up with Park View Credit to repair credit on XXXX XXXX, 2015. As of XXXX XXXX, 2015, they have not done anything. I was told by XXXX XXXX that the {$59.00} XXXX fee to pull credit ) would be deducted from fee of services. The price that I was given by XXXX did not include a deduction of the {$59.00}. XXXX XXXX said it would take 45 days but, as of XXXX/XXXX/2015, they have not done anything. This company has received {$400.00} and have failed to do what their contract states.
My personal information was used without my knowledge and I was not aware of my ssn being used until I pulled my credit report on XXXX 2016.
Can not get a lien release from champion mortgage. They claim to have no record of me but I have a title search that shows they are a lien holder. I have had the same house and have always made payments. I believe this occurred when I refinanced to another company. They even filed the lien with XXXX county in which I live. I have tried numerous times to talk to them and they just redirect me to another company. I don't know what else to do?
HSBC continues to report negative information on my credit report that is over 7 years old. I have XXXX accounts with HSBC that are currently reporting as charge-offs. This information is over 7 years old. I called this to HSBCs attention and disputed with them. I received a letter XXXX XXXX ( see attached ) from HSBC stating that as a customer courtesy they had made the decision to delete the tradelines reporting. That the accounts would no longer be reporting. Since XXXX XXXX HSBC has reported XXXX times to the credit burea and continues to report as charged-off. They reported it XXXX XXXX as a charge off.
This complaint is being written due to the nature that this company conducts business and the tactics in which they have attempted to scare and create fear. I completed a title loan with this company a little over a year ago. I made payments per the agreement each month until XX/XX/XXXX when I was forced into XXXX and unable to work. During that time I attempted on numerous occasions to try and rectify a remaining balance with this company for about {$1100.00}. Due to my unemployment circumstances I was only receiving a small amount of money a week from the state. I contacted this company and have been verbally abused, treated unprofessionally, and threatened with legal action up to and including jail by this company and its affiliates. I have tried numerous times to pay this company {$100.00} a week from my unemployment compensation until the balance is paid. Which per the amount would be just shy of 3 months. However over the past 30-45 days I continue to receive harassing phone calls by the company refusing to accept resolution payments, but also by the recovery company which they have hired that continues to call me at various hours outside of the FDCPA allowed XXXX-XXXX, making threats of Jail and Lawsuit. Going so far as to represent themselves as a state/federal agent for the purpose of threatening and attempting to instill fear and confusion. I am absolutely appalled that a company would not only flat out deny money being paid to them, but do so in an attempt to make erroneous statements and cause undue stress and frustration. If they are unwilling to accept resolution options than I am at a loss for how else to rectify this situation and stop these repeated threats and harassment. No company should be able to attempt to bully a consumer, especially when the consumer is trying to resolve the issue, just in terms that may be more specific to my needs at this time. I am not attempting to avoid the matter but can not continue to deal with the stress and aggravation of dealing with a company who refuses such resolution.