WillisBack/dataset-financial-user-claim huggingface dataset:
This complaint concerns a private student loan held by XXXX and serviced by Great Lakes. I began paying on this student loan in XXXX XXXX. From XXXX XXXX to XXXX XXXX I made every payment and additional payments worth about {$5500.00}. I made additional payments because of my plans to get a XXXX ; by making payments ahead I hoped to avoid making payments while enrolled as a XXXX student. Before describing the substance of this complaint I note that I had another student loan which I paid entirely during the XXXX period. I was scheduled to begin graduate school in XXXX XXXX. 
In late XXXX I called Great Lakes to ask about deferment. In particular I wanted to know if my best option was to go onto deferment or wait until the time in which I was paid ahead ( at this point, about XXXX years ) was over and then go on deferment. I explained that I was enrolling in graduate school and wanted to avoid payments if at all possible. 
The customer service rep explained that I should go on deferment and any period in which I was paid ahead would simply be begin at the end of my deferment period. In other words, after deferment I would still have roughly XXXX years in which no payments were required. 
In XXXX of XXXX Great Lakes informed me that I was out of deferment and I would have to resume making payments ; they explained to me that the payment clock resets after deferment and any time in which I was paid ahead is nullified because of the deferment. The customer service rep I spoke to in XXXX had apparently provided me with bad information ; I had been told my " paid ahead '' period would begin after my deferment ended but now, according to representatives at Great Lakes, this is not the case. 
I am in the curious position of being paid several years ahead on a loan yet simultaneously having monthly payments. Because I am still a XXXX student I struggle to make the monthly payments ( I should be done within XXXX months to a year ). 
I feel that this situation is largely the fault of Great Lakes. I was told bad information by a customer service representative in XXXX the thousands of dollars that I paid ahead have all but vanished now. 
Great Lakes has been non-responsive to my requests. I have been unable to contact anyone in the company besides front-line employees. I believe that because I am paid ahead on my loan by XXXX dollars, and because Great Lakes has given me bad information, I should be given a period of time in which I do n't have to make payments or perhaps I can make reduced payments.
Fedloan Serving is also reporting that I had student loan accounts with them in excess of XXXX days past due, many of which are greater than XXXX years old. At no time did I ever had any written correspondence from Fedloan Serving indicating I had past due loans.
I have disputed identity theft several times, they have failed to adequately investigate the items I have disputed, I have attached a copy of my police report. 

They also refuse to investigate and or remove the credit inquiries that I have disputed. These credit inquiries are affecting my credit score and need to be properly investigated or removed. If they fail to investigate the disputed items I will use the legal system in small claims court to get this resolved for each inquiry I 've disputed. 

I would have also attempted to get the number on my credit alert updated to XXXX and have not had any success.
When l checked my XXXX credit report, l realized that ; CBNA/XXXX XXXX reported a hard inquiry on XX/XX/2018 which l have no idea about.
Amcol is collecting on a debt for a hospital but is claiming {$4100.00} is owed but the bill from the hospital is for {$2000.00}. It is over a {$2000.00} difference and even with the bill showing the balance, Amcol is still trying to collect the wrong amount. Debtor tried to pay the hospital but it can't accept payment and Amcol refuses to return calls, or investigate the matter. Debtor hired an attorney to resolve the issue, but Amcol refuses to reduce the bill to the correct amount, return phone calls or respond to any correspondence. This is illegal, they can't do this and they are reporting the account on the credit report in error.
we refinanced thru a local credit union, within the year we were notified that Phh mortgage services had taken over our loan, at first it was ok then I was unable to make a payment on time, called them they said I could break that payment into XXXX lesser payments to catch up, not telling me that this was going to affect my credit score showing XXXX late payments, a couple years later my wife got layed off from her job XXXX, we asked to get a loan modification to help offset the loss of income, this was a nightmare, between the representitive that spoke broken XXXX to the constant problems with paperwork, we finally were told we could do a trial period of XXXX payments, we did that with out a problem until our XXXX rep sent the paperwork for the modification I would be paying on my mortgage until I was XXXX, so obviously we said put us back on our regular mortgage then I get a letter saying I owe XXXX dollars in late fees, which they said because you did n't pay your regular amount that late fees were added, we disputed these fees but these people are not approachable, also they kept harassing us when we were in the modification in broken XXXX asking do you want to keep your house, also after we did the trial mod and went back to original mortgage, we got a letter saying we owed them XXXX dollars for original mortgage to get back on track, this company is horrible to deal with, you cant understand them and when you get an American to speak to they do n't want to listen or hear anything you are trying to say to them
I can not get proper access to my report, or my dispute abilities. I do not have the proper access for proper monitoring, dispute ability online, or following dispute online. They have this sector blocked, and will not even give me a reason as to why. I want to be able to properly monitor my credit, and I want full access like everyone else gets! If they have a right to report, I have a right to access, and correct. I was advised I may want to pay for their XXXX a month service if I wanted to access my credit, but it still would not allow me to dispute, or monitor my credit.
The credit card company said that I owed some money in the past and they have reported it to collections which have negatively affected my credit score very much. I want the debt to be removed from my credit.
My fathers location is where my tax form was sent, i wasnt on the property at that time and told him to keep it safe. A tenant living on the property confiscated it. I move back file my taxes and everything seems good, not being very aware of the issue at hand wasnt very careful with personal info and was tricked into releasing certain information. I am new to this please help.
Loan has transferred from XXXX to Ditech. When loan transferred it stated I had an escrow account for insurance which was false. Never had one. I have contacted Ditech on numerous occasions to correct the issue without success. Ditech continues to try and impose an impound account that did not exist or needs to exist. They admit to having proof of insurance. I am now receiving collection calls and letters. I have paid my principle and interest timely but not not the escrow amount as it is not owed. To complicate matters I was advised from a Ditech Rep they have not even applied my last payment as of XXXX when the check cleared my bank on XXXX. So where did my $ $ go? I am concerned that a report will automatically go to the credit bureau because of an issue they have refused to address and correct. I find I am in need of some assistance to resolve.
I subscribed to XXXX app on my XXXX XXXX for a 30 day free trial. At the end of the trial I did n't want the service so I tried to cancel the service. It is impossible to figure out how to cancel the service. XXXX 's website says to go to the XXXX XXXX store on my XXXX to manage the account and cancel the service but the APP does not have a profile or any way to cancel. I was charged {$100.00} on XXXX/XXXX/XXXX by XXXX They gave a number to call on my bank statement and when I call the number XXXX it tells me to go to the website. And that 's continues the Marry-go-round. This is a major scam by XXXX, to not get any cancellations. And its close to fraud when they say 30 day 's free trial because of the " negative enrollment '' if you do n't cancel within 30 day they will bill. But it 's impossible to cancel so I 'll get billed forever unless you can help me and probably hundreds and thousands of people who are being bill and want to stop it. This really is Bank Fraud because the bank billed my for the charges. So Fifth Third Bank is billing for a company that is bilking the public out of millions of dollars. I e-mailed 5th/3rd bank and they told me I authorized the purchase by agreeing to the 30 day free trail and not cancelling before the 30 days expired. Please investigate.
On Tuesday, XX/XX/XXXX I was notified by US Bank that they could not approve my loan ( after receiving a prequel letter and being 2 weeks into escrow on a purchase ). They said my credit score was too low for their additional underwriting guidelines which were more conservative than FHA. I immediately secured lending from a different institution and, on Wednesday XX/XX/XXXX asked US Bank ( loan number XXXX ) to release my FHA Case number ( XXXX ) to my new lender, XXXX XXXX XXXX ( Lender ID XXXX ). I was informed my US Bank that they submitted the request to release the case and the appraisal but this still has not been completed. I am 2 weeks away from closing on my new home and US Bank is holding up my new lender from moving forward. I may have significant financial losses ( {$5000.00} ) if US Bank continues to hold up the release and transfer of my FHA Case and appraisal.
On XXXX XXXX, I deposited a money order drawn on XXXX XXXX XXXX I was advised by my bank that {$200.00} would be made immediately available and the remainder would n't be available until XXXX XXXX. 
On XXXX XXXX I discovered that my account was locked. I immediately contacted B of A Customer Service and was forwarded to Risk Management and advised that my account was being closed due to the recent deposit of {$1400.00} being a counterfeit check. I immediately contacted the person who had given me the check and confronted her to which she responded by calling her XXXX XXXXXXXX XXXX XXXX. She put her phone on speaker so that I could hear her speak with customer service. She then went to her bank and got a print out of the front and back of the check and I took it to my bank. The customer service representative XXXX ( manager ) contacted risk management to discuss the proof that I had. The person on the phone said that the account was still being closed and that there was nothing I could do. I asked for a supervisor and was transferred to someone named XXXX who then spoke to XXXX to discuss what proof I had brought in and she instructed him to fax everything to the back office. He faxed everything and they said they needed 3 business days to sort through everything and make a decision. My dilemma is that my car payment has bounced due to my account being suspended. My utility bill has bounce. These companies are now penalizing me for paying late and I can not write checks anymore. B of A has not even apologized. And they are taking there time. It 's not like I can take the money out and pay my bills. My money is on hold. I have been borrowing money from people. 
I just feel that when any institution accuses you of a criminal act such as trying to cash a counterfeit check, that they should be quick to resolve it and stop the injury that has been caused. 
This has been a huge inconvenience to say the least. Hopefully this will be resolved by tomorrow which will be the 3rd business day. I appreciate any follow up your company can do. Thank you
The promised promotion to give bonus XXXX miles was not given because of the reason that minimum spending was not met. The minimum spending have changed to higher number than previously offer. This is not honor to the offer. 

And after calling, the agent admitted the mistake but could n't correct the issues or take responsibility to reissue the promised miles due to the request are not in 4 months time frame after issue the credit card.
I have made  XXXX  payments on my student loans throughout the course of the loan. Sometime arou nd  XX/XX/XXXX - XX/XX/XXXX , my  student loan payment went up substantially  ( fr om about  XXXX  to  XXXX   ),  although my salary had not. I called Navient and was informed that my loan terms had changed and the option other than monthly payment decided by them was to do a forbearance. I took this option unaware of the PSLF that had gone into affect. I have worked for a   XXXX   XXXX  l for the last 9 years (   XX/XX/XXXX - XX/XX/XXXX  ). I j ust found out through the course of the last year of the PSLF and now understand why I was essentially forced into forbearance because had I made the payments I was making previous to the abrupt change, I would well have been with in the 120 p ayments necessary for forgiveness under the PSLF. I recently call ed (    XX/XX/XXXX  ) N  a  vient  as my last forbearance is about to expire. They now say my only options for repayment are to pay out the loan ( which is now more than the original loan because of continued interest accruement ) in full, in a 2 year or 3 year repayment plan because I got married and they are now considering my husbands income as mine. I have my own  XXXX  and have always used that for documentation and offered to send it but they said A ) it was too early to set up and resolve a new plan, as my forbearance is up in   XX/XX/XXXX , B  ) my new repayment plan would be made dependent on my filed tax return. They have mislead and withheld information that caused me to make decisions which have accrued more debt.
I spoke with XXXX at NorthStar Location Services. I requested on XXXX XXXX via recorded phone call that all debt file documentation be sent to me for verification. he confirmed it would take one week. 

Two weeks had passed. I then sent a follow up email to the email listed below and received no response. I sent another today and still have received no response. 

I feel as if they are misleading me and possibly trying to avoid me by violating my consumer rights. Please advise as to how I can resolve this. Thank you kindly. 


NORTHSTAR LOCATION SERVICES , LLC XXXX XXXX XXXX, XXXX, NY XXXX XXXX - facsimile XXXXXXXXXXXX Check Us Out! XXXX XXXX XXXX, XXXX XXXX
I never entered into a contract with this company. I never received any information regarding my rights to dispute. They are reporting inaccurate and negative information to all three credit bureaus. They are violating my rights under the Fair Credit Reporting Act.
XXXX XXXX is showing in the remarks early termination and balance owing. The Vehicle was a total loss that is why the lease was terminated early. They were paid by the insurance company I also had GAP in the lease. I paid all the property taxes owed to them. I don't owed them or never had a balance with them.
I was conned into consolidating my loans at a higher interest rate. I was not aware of the significance of this. My payback is much more than desired. Its a rip off.
XXXX. These accounts has been removed from my credit report : XXXX File # XXXX, Investigation Date XX/XX/2015, From the Company XXXX XXXX : Amounts {$480.00}, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I have already called the Company who send the accounts to collections, FL. Hospital. They said that once they send the accounts to collections they have nothing to do with the accounts anymore. I have disputed these same accounts 3 times from XXXX different companies and they were removed, now these same accounts is on my credit report again from a different company ( XXXX XXXX XXXX XXXX ). THIS HAS TO STOP. I ca n't move forward to improve my credit untill this matter is over with. PLEASE STOP THESE ACCOUNTS FROM CONTINUING TO COME ON MY CREDIT AGAIN. All of these accounts has been removed. THANK YOU XXXX XXXX.
In 1997 I was XXXX, just had a baby and just received my XXXX I thought the best choice for me would be to get further education. I saw an advertisement for both XXXX tech and The XXXX XXXX of XXXX. I set up tours to both schools. XXXX XXXX XXXX told me that they would recommended that I NOT enroll at that time due to my age and the fact that I just had a baby. I then went on a tour at the XXXX XXXX. I remember the recruiter stating that the only way I can go to school there is if I claim independence from my parents. At the time I lived with my grandparents and they supported me and acted as parents. The recruiter stated that all I had to do is write an essay explaining that I was independent of my parents then their income would not be counted. The recruiter then helped me write this essay so that a loan could be issued. I was in class less than 4 days later. I graduated at the age of XXXX and attempted to find a job. I went on several interviews and was told that I was too young to work around the equipment and that it would be a liability to hire me. The career office never assisted me and I ended up getting a job as a XXXX and never using my diploma. I have yet to have a job in my area of study to this day. I feel that at the age of XXXX I was misled and taken advantage of. I have since then went back to school and was able to find a career in XXXX. Over the years I have told every single loan servicer my story. I have been informed that I was at the age of majority and therefore able to legally sign a contract, even though I was a minor. In recent years the DOJ has sued XXXX XXXX XXXX XXXX XXXX for improper recruiting techniques. There is also a judgement stemming from a lawsuit that recruiters were given incentives to enroll students. I believe this practice is the very reason that I was urged to write that essay and allowed to obtain a loan worth over {$10000.00} at the age of XXXX. Some students are getting their loans forgiven because of this judgment. I fear that I will not be included as my loan was obtained in 1997 which is before the time period of the lawsuit. This is my first step in the process of seeking assistance in this matter. I would like my loan forgiven on the basis that I was a victim of improper recruiting techniques and that I was in essence manipulated to write an essay that was filled with half truths in order for the recruiter to obtain a bonus or increase enrollment numbers. This was not done in the best interest of the student but rather the best interest of a For-Profit college. The recruiters at The XXXX XXXX of XXXX should be held accountable for their actions and my loan should be forgiven. Thank you for any help you can provide in the matter as it is not clear how one would go about applying for debt forgiveness.
I have a a unverified account from  PORFOLIO RECOVERY ASSOCIATES  #  XXXX  .I ha d previously disputed this account. I have never done business wit h PORFOLIO RECOVERY ASSOCIATES.    Pursuant to the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C.1692g, I dispute the validity of the debt purport Iowe. I request that PORFOLIO RECOVERY ASSOCIATES Provide verification of the following : 1. ) The original Application or contractany signatured documents  legally binding   XXXX   XXXX   to do business with said company.   2. ) Any and all statements allegedly related to this debt  3. ) P roof of Claim and Full   Contract Agreement with Original Creditor.
4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. )   An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PORFOLIO RECOVERY ASSOCIATES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I made a payment of my Lowe 's card on XX/XX/XXXX, and had no issues with payment. I made my payment of XX/XX/XXXX, and on XX/XX/XXXX, I receive an email stating that my payment was past due. I logged into my account and looked to see if the payment did go through and it did. 

I called the number on the email and spoke with the representative and he told me that I paid my credit card too early and that the amount that I paid went towards the balance and doesn't count as a payment. I have never, ever, had any issues with any credit card that I have in regards to paying it early. 

XXXX XXXX has been playing games with the credit card by taking away the credit that they gave me, then raising the payment amount. I have never been late for a payment, but I guarantee that I am spreading the word about this issue. I have contacted Lowe 's and they stated they are sending it upwards. 

I am also spreading the word to Veterans groups that I belong to because this is not a way to do business. There are a large number of complaints with the XXXX in regards to this company, but they still have a high rating. I smell a rat!!
I recently signed up with Chase for a credit card that worked with XXXX XXXX for frequent flyer miles, the " XXXX '' program, the XXXX XXXX XXXX XXXX. The promo that was advertised was for XXXX bonus points after spending {$2000.00} within 3 months and I did meet that requirement. After meeting this requirement I was not rewarded the points initially offered. The ad was a link directly from the XXXX wesbsite to a chase credit card application from a promo that was advertised on the XXXX website. Once I contacted chase to inquire about the points I was told that this was not the offer that I had signed up for even though the link from the XXXX site took me to the application directly, giving me no other options for offers or applications to accept other than what I was re-routed to. 

This is very misleading to the consumer. You should not be allowed to advertise a certain promotion and offer a benefit for giving a company your business and then not follow up. I fulfilled my part by spending over {$2000.00} in the first 3 months and the credit card issuer should be held accountable for their advertising, whether their links are correct or not. I know the credit card company would hold me accountable for my commitments to them and they owe the same to each consumer. 

I feel this is a fraudulent advertisement. The company is intentionally enticing consumers with what looks to be a great offer and is then changing the promo offer after the application is submit to a lesser offer, a bait and switch it seems. This theory is based on my communications with Chase who told me I had accepted a different offer even though there were no offer choices after clicking on the link for the XXXX points. 

Attached is : 1. a screenshot of the offer 2. a copy of the last communications with chase 3. a copy of the statement where the {$2000.00} spending requirement was fulfilled