WillisBack/dataset-financial-user-claim huggingface dataset:
Though profiteering is a harsh word, it is somewhat apt- the current student loan providers are set up to maximize profits for the loan companies and not for the support of the loan holders. As I am XXXX, I am attempting to participate in the XXXX program. However the barriers set up are extensive and I am coming to the conclusion I would be better off with a home equity or XXXX loan, and greatly regret the time wasted within the program, and feel truth in lending has been violated. 
Specific complaints : 1. My loan has been moved many times. Each time I ask specifically to be sure that I am making payments that qualify for teacher loan forgiveness. I have a letter from previous lenders stating I had made XXXX payments as on XXXX XXXX, and have continued to make payments that I checked would qualify, and at the time was told they would qualify. My current provider says I have made XXXX payments as of XXXX of XXXX and will not explain further, saying previous lender were wrong and I can take it up with them. I have documentation. 
2. Each time you ask or certify for an IBR selection, it puts you automatically on 20 year standard- which does not qualify for XXXX. It does not allow you to choose, or even tell you that you are on a plan that does not qualify for XXXX. It would be easy enough to program a choice, or automatically pick a payment that is shorter vs longer, or at least indicate the consequences. You must ask to be put on 10 year. If you ask at the time of IBR, it does not matter- you are put on 20 year. This creates gaps in the payments towards PLFP 3. As your income changes, your need to reapply to IBR- see above. 
4. Loan providers trade you around- and payment changes ( 20 year! ) see above. 
5. My current provider : takes XXXX 3 months to readjust your payments to a lower term that qualifies- payments that do not count towards PLFP ( $ thrown out the window ). You must make and least XXXX if not XXXX payments on the 20 year standard before it adjust to the 10 year or IBR. There is no reason for it to take this long. I 'm even convinced communications are timed to maximize payments for the loan providers. 
6. Tracking of conversations : current system is difficult to track your conversations with provider unless you take screen shots and save them or manage to establish a conversation through your email- which is not easy to do.
On the XXXX day of XXXX 2017 at approximately XXXX I arrived home and spoke with my wife. My wife stated my XXXX year old daughter whom has XXXX had stayed up after she fell asleep and purchased over 60.00 dollars on XXXX merchandise. I notified XXXX and without question was refunded. I notified XXXX whom the charges went through and was notified the transactions were already sent to the bank as there were not enough funds to cover the cost. I called the Branch Banking and Trust. I notified them there were to be 10 charges on the account which would total over 50.00. I spoke with multiple individuals and was advised to contact fraud. I contacted fraud and was told it was n't fraud. I spoke with the representatives again and was told to wait till the charges hit and they would be removed. I then sent money into that account which showed in the account today. 8 of 10 charges hit the same date the funds showed available in the account. I was assessed XXXX in overdraft fees. I returned the call to BB & T and was advised they could n't remove the fees and sent me to the fraud department. Fraud started a case number and told me to go to the bank and sign the documents. I went to BB & T and signed all the documents and returned the call to BB & T. I was advised a second department receives the faxes and it would n't be resolved today. I notified the representative of the other 2 charges that has n't posted and I needed the fees reversed to cover the additional charges that were going to post. The representative with fraud stated they could n't do anything at this time. I called customer service once again and spoke with them. I was rude this time and was told they would get a manager for me. The representative returned to the call and stated the manager said he could n't do anything. I was not able to speak with the manager at that time only accept the message the manager told the representative. This is not the first time I have received an NSF fee or multiples on the same date money entered the account. I have always be advised the charges are to be deducted but the money is still pending even though I have the right to use the money that is pending. Its funny that when the money is in the account I can use it for purchases but I 'm not allowed to use it for transactions that hit the bank. This is a complete unethical practice.
This is a continuation of my most recent complaint I just made this evening as well as Responding to XXXX Letters in regards to my last complaint. 

Now please mind you it's been two years since I last had a complaint. Things were going well, and I was just making my payments. 

XXXX can not leave well enough alone and has to find a way to put a wrench into the gear and create problems. Funny how they have to use a forbearance ploy to up my interest which is another lie, as I was told by their reps that only once a year in XXXX was I to see any increase. 

The plan once again, that I am under is a XXXX XXXX XXXX plan. NOT an extended level plan they speak of. 

Fixed means fixed that is the standard banking term, period. 

I would also like to address my " vulgar and abusive language. '' First of all, I do not work for your company, therefore my behavior can not be construed as " unprofessional, '' Second of all, your employee XXXX # XXXX blatantly lied to my face and said the Department of Education placed my account in Forbearance because I live in a " Disaster Zone. '' Really? And what disaster zone would that be?? 

She could not tell me. 

Your reps with their lies, your ploys to increase monthly payments, toy with those under your thumb, lead to anger and hostility because one can not believe the pile of XXXX that comes out of your representatives mouths. So to the Director of Loan Operations. 

Please cease and desist with your utter lies, and extremely Decitful UNPROFESSIONAL BEHAVIOR and perhaps people and myself would actually have more respect!!! 

You have placed me under such mental anguish that once I receive a letter from you it automatically sends me into a mental tailspin. I am surprised I have not yet had a XXXX XXXX and if I ever do, you will be the cause. 

You treat me with respect then the same will be reciprocated. Otherwise back off. You understand. 

You make any changes to my account without my consent and I will be on you like flypaper. And if you think I am one inkling afraid of you. Guess again.
A man named XXXX XXXX called my work and left a message on an administrative assistant 's voice mail. The voicemail was forwarded to my phone. When I returned the call, thinking it was work related, the lady on the other end refused to tell me what GC Services do or why XXXX was calling. When pressed she stated it was a financial services company. I asked what that means and listed off a number of financial services that she might be referring to. She declined to admit she was a bill collector. XXXX was the number left and GC Services was the company name. I have no way of knowing what may have been said to my employer but I plan to take legal action. I will not be calling XXXX back in 45 minutes as instructed and if he calls my work again, I will save the message this time. I will never be able to pay off any debt if greedy companies keep calling my employer and XXXX up my employment situation. My phone number is posted on XXXX, XXXX, XXXX, etc. etc, it is everywhere and totally available to anyone so calling my work is not only not necessary, it 's illegal.
I applied for a reverse mortgage to refinance an existing reverse mortgage and draw more money out of the equity in the house, due to increased market value. 

The company, XXXX XXXX, ordered an appraisal through a company that does their appraisals. I was pleased with the appraised value of {$250000.00}. Then I find out, that when it went to underwriting, the underwriters rejected the appraisal, saying it was incomplete and had too few comps. 

I was told I would have to pay for an additional appraisal of {$560.00}, because they could n't use the one they had. At that point I cancelled the contract. Now they want me to pay for an appraisal they ordered from their company that has no value to them or me. I am refusing to pay at this point. 

Thank you,
Hello my name is XXXX XXXX, I am submitting a complaint on both XXXX XXXX XXXX XXXX Second mortgage and all XXXX Credit Bureaus ( XXXX XXXX XXXX and Experian XXXX. 

On XXXX XXXX, XXXX I called XXXX to have verbiage remarks removed from XXXX and hours latter my XXXX XXXX dropped XXXX points. I called XXXX back to find out what caused this and after about XXXX it was discovered that my payment history with XXXX was removed by XXXX while removing the remark verbiage. XXXX said that this could be due to human error. XXXX stated that they would dispute this on my behalf and it should be taken care of in the next 30 days or so if they XXXX does n't have a problem with the dispute. 
XXXX XXXX, I also requested that XXXX and Experian remove the same verbiage from my closed account with XXXX and 4 days later my XXXX score dropped XXXX points. I am assuming Experian is to follow in the pattern however the current scores as of XXXX XXXX does not reflect a drop. 
I have NO late payments as of XXXX XXXX, XXXX on any of my accounts, my last known late payment was in XXXX, my credit card balances percentages are less than 39 % overall, I have had several inquiries on my credit ( XXXX in the last 3 months ) but doubt these hard inquires would such a drop in my XXXX XXXX.
I opened a Spirit Airlines credit card ( Bank of America ) while being promised free miles. I received only a fraction of the miles promised. 
I was charged an annual fee and called asking them to cancel the fee since they did not deliver on their part of the contract. They refused to cancel it.
Experian data breach exposed my drivers license, social security number, date of birth, and other private information. Then they charged me {$10.00} to freeze my credit report. They provide free credit monitoring but only if you sign away your legal rights later on.
Please note that none of the above selections match this complaint. 

When I dropped XXXX ( no contract ) for XXXX on XXXX XXXX, 2016, XXXX XXXX XXXX XXXX billed my XXXX XXXX card for a full month of service, through XXXX XXXX, 2016, during which time I only received 5 days of service. I complained to XXXX XXXX XXXX XXXX and they refused to listen to me. I disputed the charge with XXXX XXXX XXXX XXXX XXXX. XXXX contacted XXXX XXXX XXXX but XXXX XXXX XXXX ignored the request to validate their charge and XXXX subsequently credited me back the entire month payment, {$94.00}. 

I called XXXX XXXX XXXX and asked for my XXXX most recent bills, which they sent, with a new payment due date of XXXX XXXX, 2016. On XXXX XXXX I received the first of several debt collection phone calls. Also on XXXX XXXX, I sent XXXX XXXX XXXX a check for {$15.00}, the pro-rated amount for the 5 days of service I received during XXXX 2016. 

I did not receive a letter from the debt collector until XXXX XXXX, 2016 ( dated XXXX XXXX, 2016 ). This letter was late ( more than 30 days from the first call, from Prince-Parker Associates, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX ) and did not contain the required statements regarding notification that I have 30 days to dispute the validity of the debt or it will be considered valid and that I have 30 days to notify the debt collector, in writing, that I dispute the charges. I understand that all of these omissions are unlawful and are subject to a fine of {$1000.00}. 

I request the debt collector be fined and notified according to the law that they must cease and desist their collection activities. Their letter follows : " Date : XXXX XXXX, 2016 XXXX Total Due : {$79.00} XXXX Creditor XXXX XXXX Hours : M-Th XXXX XXXX Client Account No : XXXX Account No : XXXX Friday XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Name and address redacted The above noted account is seriously past due. 

Please submit payment immediately. Send your check or money order to the address above or if you prefer to use a major credit card, fill out and return the top of this letter, visit the below website or call our office for details. 

This letter is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 
Sincerely, COLLECTIONS DEPT. 
PRINCE-PARKER ~ASSOCIATES, INC. 

PAY ONLINE AT PayPrinceParker.com Account No : XXXX PIN : XXXX NOTICE : SEE REVERSE SIDE FOR IMPORTANT INFORMATION XXXX XXXX XXXX XXXX, NC XXXX The reverse side of this letter only provides their hours of operation. 

On XXXX XXXX, 2016 I sent Prince-Parker a certified mail letter notifying them that the debt is invalid, XXXX XXXX XXXX was paid in full for services provided, and disputing the debt.
I have disputed various occasions with EquifaxXXXX to protect my XXXX XXXX XXXX XXXX XXXX XXXX XXXX and permanently remove and Delete all collections and unauthorized hard inquiries and inquiries from my credit file. 
Equifax and all credit reporting agencies has allow collections companies and attorneys Law Firms and creditors do whatever they want. 
There is a " Fraud Alert " on my credit reports with Equifax XXXX that l requested to be removed and Delete Permanently but credit reporting agencies has n't remove or delete from my credit files. 
Equifax XXXX can not implement and allow collections companies and attorneys Law Firms to report any collections and delinquencies and inquiries and unauthorized hard inquiries and inquiries on my credit reports. 
I am XXXX and Retired and protected under Federal mandated XXXX XXXX XXXX 
Also with respect and request that Equifax XXXX to implement on my credit reports that l retired XXXX on XXXX XXXX XXXX XXXX XXXX to update my credit. 
My credit scores are suffering in the XXXX scores mark because of Equifax XXXX allowing collections companies and attorneys Law Firms do whatever they want with my credit. 
I am a XXXX Military Veteran. 
This is a urgent matters.
This complaint is in regards to not being able to resolve a problem with JP Morgan, CHASE Bank. 

I Believe I was hit with a predatory overdraft fee. I have always been notified as soon as my account gets over drafted so I can make the required deposit in time to avoid any fees. But this time I was notified the next morning at XXXX AM EST, that my account was overdrafted on XX/XX/2016 and not on XX/XX/2016. Looking back at my transaction history, the overdraft fee was caused by a transaction posted to my account on XX/XX/2016 at XXXX XXXX according to a Chase Customer Service Representative. This is an unfair fee because even if I had time, which would only be XXXX minute to make a deposit on the same day to the account it would not count until the next day because according to chase all deposits after XXXX EST, will be taken as a next business day deposit transaction still hitting me a overdraft fee. So why is that the transaction was posted the very last minute, leaving me no choice on getting hit with a overdraft fee. After contacting Chase customer service, I was unable to resolve the issue, causing me to submit a complaint with the CFPB I wanted to resolve this issue directly with Chase, as I have been a customer of theirs for XXXX years, but after this problem and what seems predatory fees, I will be switching financial institutions. In essence, Chase is saying the overdraft transaction happened on XX/XX/2016 at XXXX according to their text I received at that time. After which then looking at the cause of the overdraft, it was for a transaction that went through at XXXX XXXX on XX/XX/2016 If Chase is going to charge customers overdraft fees until XXXX EST, Then I should also be allowed to make deposit that would count sameday into my account until XXXX. This is unfair and predatory.
Fraudulent charges/ syncbXXXX, syncb-chevron visa, syncb-bp, XXXX, Walmart
I sent investigation requests to the credit bureaus on XX/XX/XXXX. They were supposed to respond with the results by XX/XX/XXXX, but they have not.
once again synchrony has not or refused to understand that my id was stolen months ago and they would not do anything about it I filled and called the police about it. this bank refuses to do anything. I told them that lowes the store that has the card with this bank told us at a store in XXXX Indiana that someone stole it. we had our house robbed and they stole my id. we done everything right had are with XXXX XXXX XXXX because of what happened I have not gotten a bill from synchrony bank at all about the account. they told XXXX XXXX XXXX that they could not find any of the accounts. they know we have been with them because they talked to them about other accounts and was going to the fraud department. that they would get in touch with XXXX XXXX XXXX. there for it will be looked after. XXXX XXXX XXXX who I talk to a XXXX and a XXXX from sychrny bank said there was no other accounts under the XXXX store that she thought maybe they went to the fraud department at the bank .there foe she told them and I that there was no way of tracking it down. 
then today XXXX/XXXX/XXXX I get this from XXXX XXXX XXXX XXXX. synchrony bank never sent us or XXXX XXXX XXXX that they turned it over how could they if the girl could not find it. they new 19 months what was going on. now this it was sold to them last month on XXXX/XXXX/XXXX
" Get a {$400.00} bonus when you open a new Citigold or Citibank Account checking package, deposit {$15000.00} of non-Citi funds within 30 days, and keep the funds there for 30 consecutive calendar days '' - Citibank website. 

In XXXX Citibank widely advertised their promotional offer. They promised to pay {$400.00} to the new users of Citibank account package/Citigold account package. {$15.00} XXXX deposit was required. Initial {$15.00} XXXX deposit should have been kept on account for 30 days. They promised to pay {$400.00} bonus at the end of 90 days term. Link to the original offer on their website ( unfortunately, does n't work anymore ) : https : //banking.citibank.com/cbol/16/checking/aquisition/400-offer/default.htm XXXX : I opened Citibank account package and made a qualifying deposit. Money was kept on account for 30 days. After 90 days no rewards were paid to my accounts. 

XXXX : Gave a call to Customer support, asking what 's going on with promotional offer. Investigation was opened, Reference number : XXXX. 

XXXX : Got a letter regarding investigation from XXXX, specialist of Premier & Escalated client Services of Citibank. Letter stated : " A credit of {$400.00} is being processed to your account in fulfillment of this offer. '' Letter is attached to this complaint. 

XXXX : Talked to XXXX from customer support. XXXX confirmed that I was eligible for the bonus and it takes up to 30 days to process bonus. 

XXXX : Citi still did n't pay promotional {$400.00}. Placed one more call to Customer Support to check the status of investigation ( from XXXX, Reference number : XXXX ). They say previous case was already resolved and they sent a letter to me. When I replied that I expect a result not a letter, they offered to create a NEW CASE TO RESOLVE THE PREVIOUS CASE. And provided me with a new case number : XXXX. Amazing customer service experience. 

I 'm not alone, you can see many similar complaints to Citibank across consumerfinance.gov website.
The Priority Pass benefit that Chase offers on their Reserve card is TRASH and the customer service for it is TRASH. I called to do something very simple : add my digital card to my profile. The person I spoke with ( who I could barely understand ) refused to add the card to my profile, demanding that I create a new one. I told him that I didnt want to do this, so he should delete my other profiles first and re-create them. He starts spewing LIES about GDPR saying that it requires them to wait 30 days to delete information, which is incorrect. The man was horrible and the customer service I got from Priority Pass consisted of nothing but moronic lies. This service is a scam and Chase has the obligation to ensure their offering works correctly.
Portfolio Recovery Associates ( PRA ), was served with demand for verification of debt via certified mail # XXXX, confirmed received by PRA XX/XX/XXXX, to legally validate their collection claim, no response. XX/XX/XXXX a XXXX written request to PRA demanding verification was sent, no response. On XX/XX/XXXX a XXXX written demand to verify alleged debt sent to PRA, no response. To date, PRA has been non-responsive in validating alleged debt and has continued to negatively report this alleged debt on all XXXX credit bureaus.
I tried to setup auto pay several times on Bank  of Americas  website. I had automatic payment on my account for years and have no idea why it was removed. When I would log into my account it would show that I had a payment due that had to be made. The website would restrict my ability to pay to calling Ban k of Americas phone number. I would call be placed on hold and transfered several times. My situtation would n ot be resolved and I would be told that someone would get back in touch with me to help setup auto pay when some restriction was moved from my account. I went through the process and believed that after several phone calls my auto pay was reinstated. So several months later after I was left to believe that I had auto pay reinstated, Bank of America stated I was late with a payment of roughly {$20.00} ( which was my total balance ). My wife and I are currently looking at houses after having moved to  XXXX  from  XXXX . I called Bank of America to try and understand why my payment had n't automatically pulled from my bank account. I was transferred several times and told I would once again receive a phone call with the company decision i n 2  business days. A week later I called back to find they mailed a letter to my old address in   XXXX   which I had changed on the website and over the phone at least twice. I received a response from a manger named  XXXX   XXXX  that the company did not see this as there problem and would not change the record of a late payment to the credit bureau. Since this will force my wife and I to pay tens of thousands of dollars more in loan interest you might  imagine  I 'm pretty furious. My credit history is flawless minus this recent unpleasantness with Bank of America. I would appreciate any clarity in resolving this issue quickly.
I 've disputed accounts listed on my Equifax credit report numerous times and the bureau refuses to correct the errors. The other XXXX reporting bureaus has corrected them and even deleted a few from my reports on their bureau 's reports, but Equifax has n't.