WillisBack/dataset-financial-user-claim huggingface dataset:
ISSUE : XXXX XXXX mishandled or misapplied loan payment, incorrectly charged {$35.00} late fee, charges an exorbitant " servicing '' fee per transaction, and refused to answer any questions about payments. 

BACKGROUND : I have two outstanding Perkins loans from XXXX College for {$2300.00} and {$1700.00}. XXXX XXXX, a subsidiary of XXXX XXXX XXXX, services those loans. I made my first payment for about {$50.00} after my loans exited deferment. I did not receive a notice that my payment did not go through. My subsequent bill advised that I owed 2 payments for {$110.00}. I immediately made a payment on XX/XX/XXXX with an additional " service fee '' for {$1.00}. I made sure to enter in the correct bank account number. I received a payment confirmation on XX/XX/XXXX at XXXX XXXX. I did not receive any notice that my payment was declined or cancelled. 

On XX/XX/XXXX I received a " Second Past Due Notice '' advising that I owed {$130.00}. I immediately went to XXXX XXXX 's website and opted to make a debit card payment ( in lieu of a payment from bank account ). The requested amount was {$190.00} -- this was a different number than the {$130.00} quoted on their past due notice. I made a debit card payment. XXXX XXXX   charges an additional {$8.00} " service fee '' to process credit card/debit card payments. The total amount I paid was {$200.00}. I received a confirmation email at XXXX XXXX that my payment was received. 

After, I attempted contact XXXX XXXX 's customer service through the chat box. XXXX was the customer service agent that responded to me. I asked 1 ) why my payment did not go through ; 2 ) why they charged such a high service fee for credit cards ; 3 ) and if they had any record of my payments. She flatly refused to answer my questions. She advised I should contact my school, XXXX College.  After asking why she could not answer my questions she proceeded to immediately terminate my conversation with her, close the chat box, and making it impossible for me to copy and paste our conversation. 

COMPLAINT : 1 ) XXXX XXXX is mishandling student loan payments and unfairly and unlawfully charging late fees. 2 ) XXXX XXXX refuses to engage with student borrowers, answer questions, and provides false and misleading information to student borrowers.
SunTrust Bank was running a promotion that told consumers that they would get up to {$200.00} for opening an account with them. My fiance and I opened an account with them at the XXXX, FL XXXX XXXX. We were promised and assured that we would receive the {$200.00} promotion as long as we qualify with at least {$2000.00} in Direct Deposits in a 60 day time period. I have heard this same information from multiple representatives and they have also assured me that I would be receiving my promotion in 6-8 weeks from the time I qualify for it. When I had n't received my money in the time frame mentioned above, I began to question the validity of the promotion by contacting corporate and walking into many branches. I was told the same information over and over again. I am now hearing from a XXXX XXXX in the Client Relations and Support Team that I will only be receiving {$100.00} on a smaller scale promotion. Digging deeper, I found that other complaints that I have tried to address with SunTrust Banks had gotten the lady that opened my account fired. She is no longer able to tell us what she had stated to my fiance and I when we opened the account, and SunTrust " has no record of what was said '' even though there is surveillance in the branch inside of XXXX. SunTrust has also stated on a recorded line that many of their representatives have relayed incorrect information to me. Therefore, I would like to receive the amount of money I was promised and assured of when I opened the account, and I add that those promises were made from more than one representative. I, as the consumer, should be able to believe representatives of this financial institution when they tell me I will be getting money from a promotion, therefore I feel that I should be getting what I was promised as the consumer.
Last payment made on XX/XX/2018. 

KeyBank sent title to incorrect address, despite correct address on file for billing statements, and vehicle registration.

I have called KeyBank > 5 times, asking where my title is. KeyBank has promised that they are looking to find the title. On other calls, they have refused to send a new title to me, the owner. On my latest call XX/XX/2018, KeyBank stated they would send a new title to me, however I have still not received it. They have sent a lien release statement on multiple occasions, but still no title.
XXXX XXXX XXXX is a collection agency that has my student loan. I worked out a voluntary payment arrangement of {$50.00} per month this past summer. I told them over the phone what day to take out the {$50.00} payment each month. They called me and said that the {$50.00} a month can not be accepted anymore and they will recommend wage garnishment. My understanding is as long as I am voluntarily paying they can not garnish my wages or take my tax return. I feel like they are trying to bully me into paying more.
This is in regards to a credit card account from 17 years ago that is now ( in the last couple of months ) being used by a XXXX/XXXX, as assignee of XXXX, assignee of Bank of America, in an attempt to garnish my wages for {$18000.00}. This debt has not been reported for the last 16 years and I have been unaware of it, thus unable to address it. My credit card was stolen and I thought my account was closed - This should be in the Bank of America Records. I also have had 2 accounts with Bank of America since XXXX and have never been notified of any issues. However what I know now after researching, that the account was actually charged and sold though I was making payments on the remain balance in XXXX, then a couple months later Bank of America filed a court case against me ( in XXXX ) in XXXX. However when I contacted Bank of America ( even today XXXX ), recovery department is saying they never filed against me and the account has a XXXX balance. Furthermore there are several other issues regarding this situation including Bank of America 's association with XXXX who filed hundreds of thousands of fraudulent lawsuits on behalf of Bank of America - " Operating Automated Debt-Collection Lawsuit Factory ''. XXXX who have been investigated for embezzling more than {$1.00} XXXX from XXXX. And now a XXXX ( aka XXXX or XXXX ) who have been sitting on the debt and/or going against the Fair Credit Reporting Act which provides the right for me as a consumer to have my credit information to be correct, and also trying to collect debt greater than owed. I would appreciate Bank of America 's help in notify, intervene, and rectify the issue with XXXX/XXXX who is using Bank of America 's mistakes against me.
A man by the name of XXXX XXXX, who said he is a professional debt collector from Nations Recovery Center, is repeatedly calling me on my work phone, and my cell phone number. He calls from various numbers and extensions. I find this man to be disturbingly harrassing. At first when he called, he did n't leave the nature/name of the debt in which he says that I owe. Now he 's saying its regarding a XXXX XXXX XXXX. I have asked this person time and again to not call my place of employment, but he still does it. Please do something to stop this harrassment, or I could get terminated from my job, which is causing me undue stress. Thank you.
I was alerted by XXXX XXXX that a collection account was added to my credit report in XX/XX/XXXX. I called the collection company XXXX XXXX XXXX XXXX and asked what this collection ant was for at which time I was noticed it was for an after hour emergency visit on XX/XX/XXXX A YEAR AGO. I asked why I was never contacted and her response was I called one time in XX/XX/XXXX but did not leave a message. I asked if there had been any other attempts to notify me I had a balance due and she replied no. I asked if it was legal to just add a delinquent account to someones credit report without FIRST attempting to contact them to even let them know there was an outstanding balance as I have never received a single notice once stating I had a balance due. I have Medicaid insurance and do not have a deductible for an office visit or ER visit which this was just an office visit at Unity Health After Hours Clinic in XXXX. The credit report has zero information as to when the charge was made, when I was seen, what the service was or if I had made a pmt or anything. It simply stated opened XX/XX/XXXX Reported XX/XX/XXXX {$260.00} Medical Past Due Collection Account OPEN STATUS which lowered my credit score and I had never been contacted my the health clinic or the collection company whom received my account in XX/XX/XXXX and just reported to the credit reporting companies without any attempt to notify my or to let me pay or investigate the charge as my ins should have paid it in full.

I then contacted the Original Clinic and they said they sent me one letter and it was returned stating moved but that was it. There was never a phone call made to me or my emergency contact and my Medicaid ins just never got filed as it should have and now she said it was too late for her to go back and file it since its over a year. I confirmed she had my correct ins info and she did however the billing Dept dropped the ball, I was never notified or given a chance to pay it and now it is reporting as an OPEN Collection Account for something I dont owe. Are there laws that state I have to be notified or that protect me if the billing department waited to long to bill my ins and now they wont pay it as that is all out of my control?
I called the collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, WI XXXX on XX/XX/17 regarding a road toll debt I informed XXXX that because of this debt a DMV hold was placed on my plates, I asked if I could get a settlement on the XXXX she offered me XXXX. I called today XX/XX/17 to pay the debt, when I called and spoke to XXXX I adv her of the settlement offer and wanted to pay it. She informed me that the settlement offer was invalid since I had the DMV hold I adv her I told the original woman about the hold. I then spoke to a supervisor XXXX and she told me the same thing. I said I will report this but I had to pay the full debt to get the hold taken off my DMV tags. Then I was transferred to the payment rep and when I got over there and I said I wanted to pay the debt she took the payment. I then asked for a receipt of the payment and I was told they do n't send out receipts I asked to be transferred back to a supervisor XXXX and she told me it is policy not send out receipts and the rep was supposed to inform me of this before they took the payment ( She did not ).
I went to purchase a car on XXXX/XXXX/2016. I gave the dealer permission to submit mine and my co signers credit application to XXXX finance companies. They submitted our applications to XXXX finance companies which was 6+ more than I authorized. We signed a contract that day to purchase a car. The next day they sent our credit application to another finance company after I had already made a purchase. Fast forward to XXXX/XXXX/2016 and they have sent our credit app to XXXX finance companies today without authorization and after we have already purchased a car. They are steadily adding credit inquiries to our reports without our permission.
We are renovating our home and order supplies from Home Depot and charged it on our Citi Bank/Home Depot card. Our credit limit is {$500.00} and we have never wanted to increase it. My score was over XXXX, apparently deciding whether to return or order another XXXX my HD/Citi card went over by {$96.00} around XX/XX/XXXX. My billing cycle is the XXXX of each month. I was n't advised at all from Citi Bank/Home Depot that I was over the credit limit even though I have it listed it on my online alerts to let me know should that happen. I learned by an online alert XXXX XXXX that XXXX of my accounts was over the credit limit. It resulted in my credit score going from XXXX to XXXX along with the negative effect it has by going over your credit limit. I immediately made payments ( see payment information attached ) which should have reflectected by my billing cycle. This overage was n't over 30 days and it was well before my billing cycle. You will see that they still have n't updated the XX/XX/XXXX billing cycle but still reporting over the credit limit. Is n't that the purpose for having the same day each month with the credit card company as your billing cycle to allow you enough time to make any adjustments prior to them reporting on all XXXX of your credit bureaus. I am in the middle of applying for a business loan and the first thing the bank sees is that I am over the credit limit on a {$500.00} credit line. This is painting the wrong picture of my credit worthiness which also is reflected in my payment activity. My wife has worked in the XXXX for 30 years and ca n't believe that Citi would report the overage before the report the payments. Is this their way of charging a higher interest rate? I am hoping to resolve this issue through your site as I have tried on line Chat, email, telephone with no response at all. Please help me before the bank uses this to charge me a hard money rate.
Below is my latest letter in regards to their BLATANT DUAL TRACKING AND PROOF XXXX/XXXX/16 XXXX XXXX and XXXX XXXX On XXXX/XXXX/16 I faxed and overnighted my appeal on loan modification with proof that I never was given a true modification from XXXX and had tried for months to get them change to a correct date for acceptance but they did not so I proved I never accepted or denied a loan modification from them because you can not accept or deny one that is not valid when they send it. This is called fraud and why XXXX is under fire for not handling loans correctly and falsifying documents. Also my income proved I could make payments. So I sent the appeal to you and requested a new packet. I did not receive anything back from XXXX or XXXX regarding the appeal letter or new modification. I requested multiple meetings with my SPOC and have yet to hear from him. I did not even get a message back for 2 months after I wrote this. PER CHBOR you can not file a NOD while looking at appeal nor can you after I requested a new mod packet but you did on XXXX/XXXX/16. With a different amount than the statement XXXX sent me. I have now forwarded all of this to the attorneys at XXXX XXXX. I have also sent to California AG and CFPB. I will fight this the entire way. I have asked for repayment plan and 6 to 9 month workout with nothing back from BSI FINANCIAL. With your illegal practices and violations there is a group of homeowners that we are all keeping track of every single violation and I have saved every voicemail and paper I sent. The Tracking # with all of this information is XXXX was signed for at XXXX on XXXX/XXXX/16 so you can not deny receiving appeal and asking for more documentation. So BSI FINANCIAL Sent a loan Modification Denial on XXXX/XXXX/16. I received on XXXX/XXXX/16. BSI FINANCIAL received my Loan Modification APPEAL on XXXX/XXXX/16 which was 28 days after and I had 30 days to send which the tracking # proves. I then also requested a new packet as XXXX told me. I never received anything. Also the NOD was filed on XXXX/XXXX/16 which you are not allowed to do til 15 days after I receive status on the appeal and I have the opportunity as I requested a new loan modification paperwork. THE NOD will need to be rescinded immediately. Since I have been keeping track of everything I am prepared to take this to court for illegal practices. Since BSI FINANCIAL is denying working with me and trying to steal a home which I will not move out of. Nor have you offered to work with me on a payment plan or reinstatement and MY SPOC has refused to schedule a meeting with me. I have to do all I need to do to protect myself and I am not putting up with the bullying and harassment and elder abuse from BSI Financial. 
You have 7 days to rectify the situation in writing.
XXXX XXXX stated contract was voided. Credit Acceptance Corp on XX/XX/2016 opened an installment account without my consent through XXXX XXXX XXXX. I was unable to provide deposit in the amount of {$1500.00} as required to include paying off XXXX red flags on my driver license. Dealership would not accept a promissory note. Credit Acceptance Corp et al XXXX XXXX stated contract was purchased on XX/XX/2016 by a third party. Again, on XX/XX/2016 Credit Acceptance withdrew monies without authorization. All authorizations were revoked associated with that account.
I recently signed up for an XXXX XXXX AAdvantage card from Citibank. After I received the card in the mail I called and asked to have how I earn miles explained. I was told how the miles for purchases were calculated and also that if I spent {$1000.00} I would receive " bonus '' miles. After I spent this amount I called to ask when these miles were posted and told that I was not in fact eligible for this offer, which made me wonder why in fact 1 ) the offer to sign up for the card mentioned this " bonus '' and 2 ) I was encouraged to spend {$1000.00} in order to receive the bonus. 

I find the conflicting information given by Citibank confusing if no outright dishonest.
PROFESSIONAL BUREAU OF COLLECTIONS, ACCOUNT NO.XXXX IS WRONGFULLY APPEARING ON MY XXXX CREDIT REPORT. 
They are collectors for XXXX XXXX XXXX.At the only visit I have ever had I needed to have a tooth pulled.I paid {$200.00} cash at the time of service.In addition I had a deep cleaning which was covered by my XXXX XXXX XXXX   XXXX that I was told was covered.I was given a prescription for XXXX that was paid for by my insurance.This debt is fraudulent.
I have called XXXX many times after ECMC discharged this issue on the complaint XXXX. Last contact date to XXXX was XX/XX/XXXX. They refuse to remove the late payments and XXXX stated I would have to call the credit bureaus to have it removed. XXXX discharged the fraudulent account on XXXX and then sold the accounts to ECMC in which I had to have this issue discharged with ECMC.ECMC resold it back to XXXX. This issue is bouncing around after I notify them of fraud. Lastly, XXXX new of this matter and they still have the discharge information from when I notified them and left the account on my profile. This matter shows currently open on my XXXX report as well as 120-180 late payments. XXXX has not furnished me a promissory note to show proof of the said debt. I want the late payments removed and the accounts of debt.There are a total of 6 accounts : XXXX XXXX XXXX XXXX XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$7800.00} 120+ Days Late  XXXX XXXX XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$5800.00} 120+ Days Late XXXX XXXX XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$5100.00} 120+ Days Late XXXX XXXX XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$4500.00} 120+ Days Late XXXX XXXX XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$3900.00} 120+ Days Late XXXX XXXX XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$2100.00} 120+ Days Late The account was closed but still, show late payments from my complaint : XXXX. I wish to have it removed along with late payments. 
ECMC {$13000.00} Closed Overview You've paid off -34 % of your student loan amount. 
Balance {$13000.00} Highest Balance {$10000.00} Monthly payment {$0.00} Opened Unknown Term months Payment History Youve made 86 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment -- Current Payment Status In Collections/Charge-off Worst Payment Status No Info Account Details Account status Closed Type Education Loan Responsibility Individual Remarks Consumer disputes this account information Collection account Fixed rate Times 30/60/90 days late I mailed the Affidavit of truth and fact notarized on XX/XX/XXXX, copy of drivers license and social security card, the official police report # XXXX , and federal trade commission identity theft report # XXXX. After they deleted it, it appears that they sold the debt to ECMC ( Educational Credit Management Corporation ) Account # : XXXX. I faxed the information to that company on XX/XX/XXXX
I have complained to Equifax many times and desputed that   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , SC  XXXX  Account #  XXXX  and  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , SC  XXXX  Account #  XXXX  are duplicate accounts. A Equifax representative said The  XXXX   XXXX  had been removed from my Equifax credit file, this person lied it is still on there.     Equifax must hire misfits from o ff the street, for e mployees. I do not trust the Equifax Organization.       XXXX   and  XXXX  are much more Professional, honest and organize.     Please investigate my entire Equifax cred file.
I was called by Fair Collections & Outsourcing , Inc. ( " FCO '' ) on behalf of my co-worker who might have outstanding debt. I was called by the following numbers on the following dates on my personal cell phone : X/XX/17 : XXXX EST by XXXX XXXX/XXXX/XXXX : XXXX EST by XXXX On each of the aforementioned calls, I requested that this company stop contacting me as they had the wrong party. The individuals calling from FCO were asking to speak with my co-worker 's name ( skip tracing ). I informed both of these callers that they had the wrong number and to please stop calling me. I would like this harassment to stop.
My wife and I both have initiated disputes with Experian over the last couple month 's in regards to a TAX LIEN that has been paid. They sent us documentation stating that they need more time to verify. Experian has been given more then the time allowed under Federal Law. I have a document from the court stating that they DO NOT VERIFY information with Experian or any other credit reporting agency, also the letter shows the TAX LIEN as PAID. Please assist in getting this updated. We have exhausted all efforts and are considering filing a civil lawsuit with the assistance of our attorney. 

All we want is for the Tax Lien to show paid so we can move on with our lives. 

Thank you so much CFPB!
I check my credit report and I was surprised to find out that I have a collection on my credit report that I have no knowledge of originally stating the company XXXX XXXX  put to collection XXXX XXXX XXXX the amount of {$490.00} opened XXXX2015. I immediatly contacted the collection agency to get an explanation by phone, I explained to them I have no knowledge of this account and asked them to get any kind of proof of me authorizing or any kind of proof that this is mine. They put me on hold for several minutes and then the representative told me to contact XXXX XXXX  to find out why they put me in collections. I contacted XXXX XXXX by phone explaining to them everything I have been through, and asking them for an explanation. After a few minutes putting me on hold the representative said since the account is in collection they can not provide me with any documentation and I need to contact the collection agency. After a few days of several attempts to resolve this dispute with the collection agency and with XXXX XXXX I decided to contact again XXXX XXXX  by phone and asked to speak with a account manager specialist hoping that he will resolve this issue once and for all but it has not been resolved. They just transfer me one to another, and sending me back and forth without providing me any signed documentation. Therefore I ask the CFPB to open a full investigation and order the collection agency to be delete and remove from my credit report with all 3 bureaus XXXX XXXX and XXXX or provide me any signed documentation or any other proof of me authorizing this account.
I have attempted to have  several student loans that have been cleared or discharged by the Department Of Education.    XXXX   and  XXXX  have been notified and sent several copies of the discharge notification. The student loan that are on my credit report are not mine.