WillisBack/dataset-financial-user-claim huggingface dataset:
This complaint is regarding my  US Bank Cash Plus Rewards  credit card.  <P/> Since being recommended to switch to paperless statements, reviewing the electronic statements became less used, since I am able to review transactions on the credit card website to verify the transactions to spot any possible fraudulent transactions. However, it appears that my cash rewards that I have been accruing for years is slowly being siphoned from my rewards balance due to them 'expiring '. Apparently, the only place that the rewards expiring is notified is in the paperless statements. I received no other notification, neither from the website  Message Center, nor from an email from US Bank, or even a regular mail.To me, this  is a somewhat sneaky tactic to slowly reduce my accrued cash rewards from my account. This was happening to me for  2 straig ht months - {$14.00} on   X/XX/17     and {$35.00} o n   XXXX   - for  a total of {$50.00}. If I had not 'stumbled ' upon my paperless statement in earl y  XX/XX/XXXX , t he rewards being deducted from my account would have continued, leaving me with less and less accrued rewards.  <P/> I called US Bank credit card customer service o n  X/XX/17  ( or  X/X/17  ) t o inquire about the rewards expiring, and the customer service representative informed me that he will open a case for US Ba nk rewards depart ment to review my case. I then went ahead and cash out some of the rewards accrued to avoid additional rewards from expiring.  <P/> I called US Bank credit card customer service again this evenin g,  X/XX/17    , inquiring on the status of the review request, and was informed that the case was recently closed, and that my rewards was lost forever - essentially resulting with me losing {$50.00}. I complained to the customer representative supervisor on the phone, and was informed that I 'should have known ' that the terms & conditions state that the credit card rewards expires 3 years after being accrued, and that I should have reviewed my statements ( which is the ONLY place where it notes reward dollars expiring ).  <P/> My issue / concern with this practice by US Bank are   : ( 1 ) No other notification ( message center, email, mail ) of reward dollars expiring.
( 2 ) No way to easily view the credit card terms and conditions on the website. I looked around the US Bank online account system, and could not find the credit card terms and conditions -- - with the terms and conditions not being easily accessible, how can it be fair for the consumer to expect to remember the terms and conditions which was read years ago when opening the account?    <P/> Bottom line, I think the way US Bank credit card rewards is set to expire, with limited visibility of it happening ( i.e. hidden only in the paperless statements ) is an unfair practice to the credit card consumers.  <P/> Note : I will not be surprised if other consumers are having their reward dollars expire on them without them realizing.
On late XX/XX/XXXX, we asked RoundPoint Mortgage Servicing Corporation to reduce our monthly mortgage payment of {$2300.00} which we considered was extremely high and we were unable to pay. We have a FHA loan for a small townhouse of 1893XX/XX/XXXX sqft. and at that time our interest rate was 3.625. They asked us to fill out a Borrower 's Assistance application to see how they could help us. The application was delivered to the Hardship Department on XX/XX/XXXX per the attached XXXX receipt. The person assigned to our case was XXXX XXXX which throughout the process was extremely rude. Nonetheless, he approved us for an initial trial period plan for a modification agreement ( attached ). I would like to highlight that before we signed the trial agreement, XXXX said that WE ONLY HAD TO PAY WHAT WAS ON THE AGREEMENT, SO 4 PAYMENTS FOR {$1800.00} EACH. Instead RoundPoint kept collecting in the background the original mortgage payment of {$2300.00} WITHOUT TELLING US ANYTHING. We complied with all 4 trial payments which led to the approval of the Modification Agreement ( attached ). It was only after we had signed the Modification Agreement and completed the paperwork that 2 late payments appeared on our credit report, one for 30 days and the other for 60-90 days!!! We complained to RoundPoint asking why they had reported 2 late payments to the credit agencies and they answered that it dated back to the trial period and that because it was a " trial '' agreement and not yet the modification agreement, we still had to pay {$2300.00} monthly. We told them that XXXX had clearly stated that we only had to worry about the trial payments, nothing else! If we asked RoundPoint for help in the first place was because we could n't make payments of {$2300.00}. But instead they lied to us and never told us what they were doing in the background. We have never been late 30 days on any payment! Now we have 2 UNFAIR late payments on our report that will stay there for 7 years!!! They are by far the worst mortgage company out there. You will only read the worst reviews about them in the internet.They are extremely disorganized, unprofessional, dishonest and should be out of business!!!
My mortgage is with Benchmark Mortgage. I purchased the home, approximately, XX/XX/XXXX. School taxes came out XX/XX/XXXX. I mailed a copy of taxes to the mortgage company. I received a call from XXXX tax collector stating that the taxes were not paid. When I called the mortgage company I was told there were comments in my account XX/XX/XXXX Taxes Paid - no check was ever dispersed. I am now going into the 4th week with trying to get these taxes paid. Benchmark Mortgage has {$2600.00} in my escrow and will not release the funds. I keep being told will be resolved within 24 hours. That never happens. I went back to the broker who represents Benchmark Mortgage and am being told they are working on it with a manager of the processing department. I ca n't seem to get resolution and am risk of being sent to tax claim.
Payments are not being taken off of my loan. I understand there are multiple law suits against Navient.
I was a victim of the Equifax Credit hack. This could have long term and significant impacts on my ability to grow my business and access credit. Furthermore, I am upset about Equifax 's handling of the issue. They have lied and obfuscated at every opportunity and rather than trying to decrease the impact on american consumers they are trying to preserve their image. I would like to see Equifax forcibly dissolved and criminal malfeasance charges filed against the CTO, CEO and CFO.
this debt is fraudulent was created from identity theft and needs to be removed i have filed a ftc and police report
My Student Loans are currently being serviced by Navient. In this environment of historically low interest rates, the interest rate on my loans are 4.5 %. The legal agreement does not specify how they are calculating my interest rate in full. It only states that it uses the prime interest rate plus some margin rate but it does n't explain how it calculates this margin rate. In speaking with the company they change their story about how this figure is derived. Additionally, there are several administrative errors on my legal agreement such as labeling the loan as being for a graduate student when the loan was taken out to cover my under-graduate degree. Furthermore, they charged me a $ XXXX repayment fee the day I began repaying the loan. The contract states that they may charge me a repayment fee but it does not specify how much this fee is and {$1000.00} seems very egregious. I do n't think most people expect this fee to be $ XXXX or about 3.5 % of the loan. Lastly, my loans were accumulating interest while I was still a student which seems wrong to do to a XXXX XXXX XXXX but after doing some research I found that this was in fact permitted by the contract and by law. Nevertheless, this seems incredibly unfair to do to a XXXX XXXX XXXX college student who does n't have a job or money ( hence why I took out a loan ) and resulted in {$5000.00} of additional interest before ever graduating, having a job, or the having the means to pay off the loan. 
I have called the company and complained about these things and they told me that all of this is within their rights per the contract. 

I graduated college in 2006 and after over 10 years, I still have nearly 75 % of the loan to pay off. Please let me know if I have any recourse for any of these things or if you can suggest a better way of managing these loans. 

Thanks, XXXX
Collection report date onXX/XX/XXXX 2017 Original creditor : XXXX XXXX XXXX Amount : {$160.00}
Bankruptcy is showing up on my credit report from Experian. I have never filed bankruptcy. Also my name is spelled wrong on my report ever since the bankruptcy showed up.
On XX/XX/2018 XXXX XXXX made a hard inquiry on my TransUnion credit report without my authorization. On XX/XX/2018 TransUnion confirmed there was a fraud alert placed on my file which would require additional verification prior to accessing my file. I have no idea what XXXX XXXX is or why they accessed my file but it was done without my authorization. Please remove this inquiry immediately. I have been working to remedy the effects of Identity Theft and I am afraid this was the result of someone who has my information and is deciding to use it again. Please also place an extended fraud alert on my file to prevent access to my information
After graduating from XXXX XXXXl & reaching the end of the repayment grace period, I consolidated my student loans in XX/XX/XXXX. That left me with two loans - consolidated unsubsidized loan and a consolidated subsidized loan. I have worked in qualifying employment for the public service loan forgiveness program my entire adult life and every day since since my first eligible payment in XX/XX/XXXX. I've only had two employers during that time, both are non profits. One is a XXXX XXXX XXXX and the other is a XXXX XXXX. I have tried to turn in employer certification forms annually or fairly regularly to ensure certification.

I have made made every payment except five months where payments were not made because my servicer ( s ) required me to take a forbearance so they could process paper work or transfer my loans between services. Of course, this adds another 5 months or separate monthly payments on the the end of 120 repayment obligation through no fault of my own. To the best of my knowledge the months that I was required to take a forbearance were : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX, and XX/XX/XXXX. I believe that the XXXX forbearance was cause the company XXXX, who may have been my servicer at the time and the rest were compelled by XXXX who may have taken over my loan on or about XX/XX/XXXX. 

Determining what organization serviced my loan at what exact time leads to the second issue of my complaint. In addition to be forced to delay making qualified forbearance through delays in paperwork process and loans transferring described above, I've been asking XXXX for an accounting of every payment that I have made since XX/XX/XXXX and a determination of whether each payment qualifies for the PSLF program. It is XX/XX/XXXX and I still don't have that. I was given a record of payments since XX/XX/XXXXseveral times. I've been told I was in default ( which was never true ). I've been told that there were no records before XX/XX/XXXX. I've been told that I had previous servicers and they went out of business so there are no records any more. I've been told that their record review is inconclusive. I've asked the NSLDS who my previous servicers are and contacted them myself. One promptly mailed me the records, the other said they turned everything over to a different servicer and didn't retain any record of me at all. My bank statements list the withdrawal from the Department of Education, but not XXXX in name back in XX/XX/XXXX & XX/XX/XXXX. XXXX XXXX got 3 payments in early XX/XX/XXXX before transferring to XXXX. They mailed me their records, but they also list at the Department of Education on the withdrawal transaction with my bank. The bottom line is that XXXX has me at 62 qualifying payments for PSLF when I should be around the 80 mark ( or higher if not for the forced forbearance months ) and they can't produce a complete records of payments made or their eligibility for PSLF after being asked for 4 years.
XXXX XXXX submitted a report for delinquent payments on a vehicle that was order by the court in Texas to be a sole responsibility of my Ex Spouse. Which is damaging my credit and hindering me from being able to purchase a home through VA. Requesting what can I do to have these delinquencies removed and no more added to my report.
. Professional Debt Mediation , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX advised me XX/XX/XXXX that I owed XXXX to XXXX XXXX XXXX XXXX XXXX XXXX where i lived up until XX/XX/XXXX, at which time i returned to XXXX to live as my dad was in ill health and passed away XX/XX/XXXX. I disputed the XXXX debt in writing in XX/XX/XXXX stating to PDMI that I did not owe this debt, and to prove it. Professional Debt Mediation never tried to collect on this debt, and now it being XX/XX/XXXX the XXXX statute of Limitations has expired on collecting this debt.PDMI each month put this debt on my credit reports until I disputed this with the credit bureaus XX/XX/XXXX, and the debt was removed from my credit report. I disputed this debt with XXXX in XX/XX/XXXX, XXXX removed the debt from my credit report, then for almost a year, Professional Debt never posted this debt to my credit report. until now, XX/XX/XXXX once again, Professional Debt Mediation posts this XXXX to my XXXX credit report, as to re-open this debt, which I consider " trolling '' the debt, I never paid anything on this debt, as I do not owe this XXXX and again, XXXX Statue of Limitations on debt is ( 4 ) years. ( 42XXXX. C.S.5525 ( a ) This debt is non collectible and PDMI is not abiding by XXXX statue or the Fair Credit Reporting Act. PDMI needs to stop reporting this debt, move on in life, or face being sued for trolling this debt, and trying to collect after the XXXX statue of 4 years has run its course, I moved to XXXX XX/XX/XXXX, and now it is XX/XX/XXXX, way past the time frame for this debt to be acted or collected upon.I moved out of XXXX XXXX XXXX XX/XX/XXXX and lost my security/pet deposits and have been a resident of XXXX since XX/XX/XXXX.PDMI is a vulture credit collection agency, and they are to harassing me over a debt that is non collectible with the reporting and phone calls.
The debt was held by a business that I sold. The debt was transferred with the business. Bank of America is having difficulty getting in touch with the new owner. They call my home XXXX to XXXX times per day even though I have repeatedly explained the situation.
Midwest recovery systems placed a collection on my credit for the amount of XXXX that i do not owe.I have never heard of this co.I was not notified by mail or phone only to be contacted by a credit bureau telling me i have a negative mark on my credit.I do not owe this company and i have never done business with this company.Now my credit has been damaged because of XXXX. PS if i owe this show me something with my signature on it i can guarantee you ca n't. This was placed twice on my credit i wont this fixed and my credit restored.It was placed on XXXX/XXXX/XXXX
Ally Financial keeps calling me and my parents to try to get my brother 's contact information for money he owes. I do n't know his info and told the company but they keep calling and harassing me anyway. They are calling during my work hours and affecting my job negatively and it is over something that I should not be involved in ( did not cosign or offer to be used as a reference ).
On XXXX/XXXX/14 my checking account was in the negative and the bank took it upon itself to transfer funds from my joint checking account into the checking account in the negative. I did n't ask, request or authorize them to do this. Nor, did I sign anything giving them permission to do this action.
I requested debt validation with this company in my letter to them Dated XXXX XXXX, 2017. I have not received anything from them ever since. I am a victim of ID theft and this account was fraudulently opened by my ex-wife by forging my signature and using my personal information. I did not benefit in any way from this account. I already filed a police report and had a notarized FTC affidavit sent to this company today. Please see attached documents.
I paid a hospital bill and then i noticed that i had the exact same amount in a collection on my credit report. i have tried to tell the company that i paid this already, i've tried disputing it with the credit bureaus but have been unsuccessful. Please help
I n  XX/XX/XXXX , I w as resubmitting an application for housing at the apartment complex I was residing due to the complex being bought by another company. I was informed at that time {$5000.00} was on my credit report from Rent Recovery Solutions. I was also told  Rent Recovery had in fac t put another charge of {$5000.00} on my credit, both reported  on  XX/XX/XXXX . I  have disputed both of these charges with Rent Recovery Solutions and the credit reporting agencies as well and yet it remains! Because of this, I have been homeless for th e last 7 almost 8 m onths. As I have continuously explained, I never signed a contract with this company. I can not even begin to fathom how a company can charge a person  XXXX  different amounts and on the same day! It is beyond maddening that NOT  ONE single   person can see there is an issue!
Continental Finance credited my account in the amount of XXXX on XXXX, this is for a disputed charge from XXXX, I was sent an empty watch box from this company. The bank has not credited interest and fees associated with charge, the account is now paid off with a zero balance. Since they agreed to resolve a prior complaint and credit my account, they should also credit all interest and fees associated with charge. Please advise them I need a check for this amount ASAP as the account is paid off and closed.
XXXX submitted a hard inquiry on my Equifax report to obtain a credit card on XXXX/XXXX/2014, which I did n't apply for.
I have a student loan that is decades old. Well over ten years ago when I wanted to return to school to finish ( I had 1 year to complete ) I was told that I would have to start all over! Therefore, since the education that I received did n't hold it 's value, I should n't be mandated to pay for something I did n't get. Moreover, since my efforts to get the matter discharged, all of a sudden they have discovered accounting errors and the balance grew. I have no way on knowing if their accounting is accurate. If they have poorly accounted my account, I believe they could have made costly errors on countless others. So, in addition of to there being an unknown disclaimer on my education, and due to the fact they made serious accounting errors, again, this loan should be discharged.
As of XXXX 2018, I called Equifax to obtain a copy of my credit report. I noticed that their was incorrect information on my report a chapter XXXX and a chapter XXXX. I have written 3 letters in XXXX, XXXX, and XX/XX/2018 to Equifax asking how was any information verified. I have submitted letters from the federal court stating that they do not verify anything through third party companies yet on my Equifax credit report it states XXXX XXXX as the company. Equifax has not complied with my request to verify how and when was any information obtained and verified by them for me. This is a violation of my rights as a consumer. I am asking that the company send me a method of validation as to any of my information is obtained or they will have to delete the negative unverified remarks on my credit file. 
I noticed that I would get the automated response as I would sent in more items to prove I was me. On XX/XX/2018 I was told by an Equifax rep that my credit file was mixed and that was the issue. As it was separated I noticed that I had two derogatory marks on my credit report. The chap.XXXX & XXXX has remained despite all the letters I have sent and a letter from federal court.
This complaint is regarding XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, I originated 6 loans with XXXX XXXX XXXX in XXXX XXXX South Dakota. I made all 6 XXXX and XXXX payments to XXXX XXXX XXXX. 

Sometime in XXXX, 3 of these 6 loans were sold to XXXX XXXX XXXX XXXX. On XX/XX/XXXX, at the direction of XXXX customer service agent, I signed up and created my credentials on XXXX XXXX Secure Messaging System Portal. Through this portal, I made all 3 loan payments. Also on XX/XX/XXXX, I enrolled into autopay for all 3 loans ( see attached confirmation emails ). 

On XX/XX/XXXX, our office received a call from XXXX XXXX XXXX XXXX collection agent. I returned the call on XX/XX/XXXX. I was told that I hadn't made payments since XX/XX/XXXX. The checking account enrolled with autopay maintains a very sufficient balance to cover all payments. I don't monitor this account, hence the function of autopay. 

I immediately inquired with the XXXX representative regarding their reporting to credit bureaus and was informed XXXX has been reporting the derogatory items to the credit bureaus. I informed them that I could make all payments immediately and requested XXXX retract the derogatory credit reporting items. I was passed back and forth between XXXX Departments. I was initially instructed that XXXX couldn't make any changes to their credit reporting and would have to contact the credit bureaus directly. Then another XXXX representative told me to write a letter to their research department and they'd look into it ( see attached letter & XXXX response ). 

Given the conflicting responses and lack of concern for my credit and my financial future, I declined making payments. I inquired with my legal counsel as to next steps and direction to resolve this matter. I was advised by my counsel to make payments and bring account current. On XX/XX/XXXX I made this payment and am now current. However, after receiving an update of address letter on XX/XX/XXXX ( see attached ), XXXX commenced foreclosure without any notice on 1of the other loans and XXXX now won't accept payment. Additionally, 5 days after my initial communication with XXXX, XXXX sent notice of foreclosure on this property. 

I have never received physical mail prior XX/XX/XXXX from XXXX XXXX XXXX XXXX nor had I received any notifications of cancelled auto pay via XXXX XXXX Secure Messaging Portal. 

I was told my a XXXX representative that XXXX was using the wrong mailing address and that their system had noted mail being returned from their mailing address on file. 

My closing disclosure documents with XXXX XXXX denote my personal home address as my mailing address. XXXX has my personal address in their files. 

I need XXXX to correct their mistake and remove all derogatory credit reporting. 

I've spent many hours trying to remedy this with no help from XXXX XXXX XXXX XXXX.
Several weeks ago I used a Public Library computer ( @ XXXX ~ # XXXX ) to request all three credit reports from www.annualcreditreport.com ~ I was not successful in my attempt ... so, I called the attached telephone number and ordered all three credit reports once again ( or so, I believed ). On XX/XX/2017 I received via @ USPS first class mail a credit report from @ XXXX and @ XXXX but @ Experian_US only sent a letter stating I had already gotten my credit report from their company. I have tried to contact @ Experian_US ( XXXX ) without any assistance in resolving my issue. @ CFPB Please help me retrieve a copy of my credit report from @ Experian_US.