WillisBack/dataset-financial-user-claim huggingface dataset:
Hello! 

Thank you in advance for dedicating your time to helping those being wronged by what seem to be impossible odds. This complaint is to be filed against Navient, formerly known as XXXX. 

A summary of my experience for your review follows : I graduated the University XXXX in XXXX with a XXXX, focus in XXXXSix months post-graduation ( the grace period ), I began paying off student loans. My loan balance is the same then as it is now, seven years later. 

In XXXX, the economy was in a horrid state, so consequently my dreams of a high-paying entry level position were met with the reality of a part-time XXXX position that barely made {$250.00} a week. Resumes sent out everywhere, joined a temp agency, no bites due to " lack of experience ''. 

It 's been seven years since graduation and my monthly student loan bill was and still is the highest bill I have to date, and it goes up each year without fail. Regardless of my financial status, employment of lack thereof, Navient/XXXX failed to provide me with options that were parallel to my financial status. 

When I was unemployed : They would ask what my monthly expenses were which would always be, obviously, more than {$0.00} with rent, utilities, food, transport I still had to pay hundreds of dollars despite the fact that I was not earning income When I was employed : It did not matter how much I was making, I would have to pay the full normal rate, whatever it would be at that time I can not get my cosigners off of my private student loans because, according to Navient : if you are on a repayment program, you do n't qualify for your cosigner to be removed if you are n't, you have to pay the normal ( outrageously high ) rate for a full year for them to be removed Unfortunately, it has been impossible for me to find employment that pays enough for me to live ( shelter, food, transport ) and pay these loans. If it were n't for my family, mainly my siblings who are in a similar circumstance, I would have been homeless at least 20 times by now. 

In XXXX, the hurdle I am facing with Navient, and the main reason I am writing this complaint is my Federal Loans have been disbursed, and they are also serviced by Navient. I definitely can not and will not pay this loan when I know that the terms of all of these loans can be extended and interest rates dropped so borrowers can afford to make payments that meet what they earn. There is no logical explanation as to why Navient sets its payment plans at unnegotiable high rates that they know their borrowers can not afford. Since it defies logic, you can only conclude it 's a profit game. 

It would be great to be able to work with a lender that was fair and interested in borrowers being able to participate in the world instead of ensuring they struggle in it. I 'm sure we would not mind paying for that. 

Thank you for your time. Please let me know what I can do to move this process forward.
I had a debt with XXXX XXXX credit card. I was going through hard times in my early XXXX and had to use this card to survive, I was young and naive and didnt know much on how credit works. I am now in my late XXXX and finally financially able to pay this debt off. My account was sold to Hayt & Hayt Landau where I agreed to pay them a monthly amount of {$180.00} on the XXXX of every month since XXXX. I have been paying them since XXXX and I have signed and faxed the settlement documents twice but apparently they have told me they never received the documents even though I had faxed it to them twice. Even though I have been paying them monthly in XXXX they had wanted to take me to court and tried to serve me at my house where I rent a room from, they had given my information to someone else who rents a room from my landlords house I dont really know or talk to this person and they disclosed my personal information to this person. This month of XXXX I had an issue with my debit card and talked to the receptionist asking if I can go to their location and pay on Friday XX/XX/XXXX and she said yes and that they close at XXXX. I drove 1 hour to pay them instead of {$180.00} but {$250.00} and when I arrived at XXXX they were closed. They didnt serve me I have not received documents but they said over the phone I have a court date on the XX/XX/XXXX. All I want to do is pay off this debt that I had accumulated in my early XXXX but I am being harassed by this debt collector.
XXXX  is incorrectly reporting a charged off account where I am shown as an Authorized User with Chase Cards. I have already called Chase to tell them I never gave permission to be on this card and this tradeline was removed from XXXX  and XXXX  but XXXX  has never corrected this reporting error.
I am XXXX XXXX for my mother XXXX XXXX. ( XXXX acct XXXX XXXX XXXX XXXX ) XXXX went into a rest home XXXX/XXXX/2015 and my brother, XXXX tried to have her XXXX account cancelled on XXXX/XXXX/2015. He was not on the account and not being a cable subscriber unacquainted with the rigors of account management for this type of service. He was told that he could n't cancel for her so he told XXXX that he would stop payment. The bill was being auto-paid from her bank account and since he is on XXXX bank account when the XXXX/XXXX/15 payment of {$78.00} went out of her account he stopped payment and had the funds restored. On XXXX/XXXX/15 XXXX pulled XXXX from XXXX bank account and my brother had that refunded the next day. 

I got involved XXXX/XXXX/15 and in a compromise attempt tried to do a name change and reduction of XXXX to internet only. I refused to pay the amount they wanted for internet after cancelling phone XXXX and was pretty clear about that. XXXX actually spoke with them at this time and they claim the I was added to the account then but when XXXX handed the phone back to me the line was dead ... the call had been dropped. Knowing we could n't call them back directly we waited for them to call us back. They never did. 

Numerous calls later the account has been turned off as of XXXX/XXXX/15 and we have been sent to collections for approx. {$200.00}. I disputed the collection amount and charter has reviewed the case and credited us {$40.00} leaving a balance of {$150.00}. 

We feel like we delivered the message to turn XXXX off over and over and pretty clearly ... even if not by their requirements. My brother should have been helped to meet their requirements rather than antagonized during the XXXX call. Or if I was on the account as they claim they should have called me. 

We would like XXXX to honor the XXXX/XXXX/15 cancellation of service date. I am not sure if that would reduce our bill to {$0.00} or not but we tried and tried and tried again. they finally honored our request but quite some time later. She went in the home XXXX. we are giving them 5 weeks of pay for time she was already gone. it seems a bit exorbitant of them to want a couple months extra.
To date I have 8 different phone numbers from a company that says they are from XXXX XXXX regarding my XXXX XXXX account. I think the name they are wanting is XXXX XXXX ( hard to hear the name. ) The phone calls have started XX/XX/2019 to todays date XX/XX/2019. As of this date I have received 117 calls from this company. I do have the dates and times they have called. I also have the phone numbers they are using ( adding a new phone number today. ) I have since turned off my answering machine. This is the list of phone numbers they have been using : XXXX ( new one today ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you
I took out an installment loan with CashNetUSA ( CNU Online Holdings, LLC ) for {$1200.00}. The interest rate is exorbitant and predatory at 276.23 %. 

To date, I have made 9 payments for {$140.00} each totaling {$1200.00}. I have another payment due on XX/XX/XXXX which will make the total paid {$1400.00}. I will at that time have paid back the {$1200.00} plus {$170.00} in interest which is 14 % of the loan cost. This is a typical credit interest rate unlike the horrific 276.23 %. If I am forced to make all 27 payments, I will end up paying {$3800.00} to include {$1200.00} loan amount and {$2500.00} in interest. This is more than double to loan amount. 

I am requesting that the XX/XX/XXXX payment of {$140.00} be the final payment and my account then be marked closed and paid in full. 276.23 % should not be legal and is certainly predatory.
I have no idea who this company or why they pulled my credit. This hard inquiry has negatively affected my credit and credit score.
This is the XXXX attempt I have tried, Ok her we go I attended XXXX university 2007. I originally went on a consultation and ended up enrolling with out a high school or G.E.D. I was told that they XXXX can not locate my documents to which my lender requires I 'm getting no help.
Date of Issue - XX/XX/2018 Ally Bank is using a credit reporting agency ( XXXX , XXXX ) that is providing inaccurate information about consumers credit history and causing Ally Bank to deny credit to consumers based on bad or inaccurate information. 

There are numerous reports online about XXXX, XXXX providing inaccurate information on them, and also many complaints specifically siting Ally Bank as the company that is using XXXX , XXXX for services. Many are stating that credit scores from XXXX are significantly lower than from XXXX of the big three agencies. And many complaints mention receiving denial letters specifically from Ally Bank, like myself. This is infuriating people! 

I have what is considered excellent credit and I protect it well. As a result, I have my and my wife credit on freeze with the big three credit bureaus ( XXXX, XXXX, and XXXX ). We took these steps because in today 's age, no one can keep our information safe from criminals and this step had to be taken. 

Why is a company like Ally Bank using a company like XXXX , XXXX when it appears they can NOT provide accurate information on consumers credit? Why? 

I called Ally Bank and tried to talk to someone and explain what happened and I got no where, so here I am writing this formal complaint against Ally Bank to this agency. 

To make matters worse, I am a current Ally Bank car loan customer who is two payments away from paying off a car loan with them and have always paid on time every month. So Ally is XXXX off their existing customers. Again - I HAVE OUTSTANDING CREDIT, and yet I receive a denial letter from Ally Bank making me think there is a serious problem, when really the ONLY problem is a company they are choosing to use, and Ally themselves. I will never again authorize any car dealer, or other institution to use Ally Bank again on my behalf, and I want a written apology letter from Ally Bank about this letter of denial I received. Shouldn't Ally Bank try to be a professional and reputable company and only use institutions that can provide accurate information about valuable customers and consumers? Is this too much to ask?
I had an existing mortgage with Capital One that I was in the process of refinancing in XXXX of 2017. I knew my closing with the new lender would be around X/XX/17 which was before the tax payments were due at the county ( XX/XX/XXXX ), this would mean that the new lender would require me to bring the tax money to closing. I therefore called Capital One to ask them not to disburse the payment to the county. They claimed they could not do that and in fact around X/XX/17 claimed they had already sent the payment ( they did not disclose that they had only disbursed funds to XXXX who aggregates tax payments for them and sends it to the county at a much later date ). When my refinance closed I called the county to verify that the taxes had been paid by Capital One, but they had not since XXXX had the funds at the time. As a result I had to pay the taxes at closing. I then called Capital One to ask them not to send the payment to the county, but they claimed that the payment had already been issued and that I would have to wait and get it back from the county. When the county confirmed that double payment happened ( X/X/17 was when they received the money from Capital One ) I called the county to ask them they refund the funds directly to me. They said they could not do this without Capital One 's authorization. I called Capital One to ask them that they provide a document so that I could request the county to send the money to me, but Capital One claimed they could not do this. The county issued a refund check on X/XX/17. I am writing on X/XX/17 and I still have not received the money from Capital One. As a matter of fact Capital One has still not received it from XXXX. Every time I call they give me a data in a week 's time ( X/XX/17, X/XX/17, X/XX/17, etc ) but never acknowledge the fact that my money is sitting in a bank account earning interest for XXXX instead of being disbursed to me. I am requesting that Capital One immediately mail to me a check for the amount of XXXX which through their incompetence and lack of cooperation have been holding hostage from me. They had the capability to avoid the trauma for me but simply did not care to provide efficient, prompt customer service by claiming there was no way to : 1. stop payment on X/XX/17 when I provided proof that the taxes were paid. 2. Request a direct reimbursement from the county to me when I asked this process be done. 3.  Provide a prompt check to me once the funds were sent back from the county.
DIVERSIFIED CONSULTANTS has been calling me for about 6 months now every day around XXXX a.m. and sometimes in the afternoon about a bill that was paid years ago! 

I don't owe XXXX {$320.00} yet DIVERSIFIED CONSULTANTS keeps calling me everyday! 

NOW they have reported me to the credit bureaus for a completely false bill that has BEEN paid. 


DIVERSIFIED CONSULTANTS XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Last Reported XX/XX/XXXX Collection Agency DIVERSIFIED Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- XXXX XXXX XXXX {$320.00} High Balance {$320.00} Remarks Placed for collection
I am a loyal CitiGold customer of 15years. The service level at this branch is beyond low. I have been waiting for an hour to send out a wire. There are still XXXX people ahead of me. This will take another hour at the rate they are processing things here. They are slow and understaffed. The CitiGold customers do not get any expedited service. Whenever I am here, it takes a long time to get anything done. Today is not an exception, but XXXX hours of wait time are beyond my level of patience!! I am terribly disappointed and will be looking for alternative banking institutions to transfer my assets.
My identity was compromised in the Equifax data breach which reportedly was discovered on XXXX XXXX, 2017 - the compromising includes my home address, telephone, SSN, DOB, license number, and potentially more harmful information. I have since placed a freeze on my accounts at the major credit agencies.
Citi Bank has removed XXXX points from my account and refuses to communicate reasons. 

Citi reduced my account from reward points from XXXX down to XXXX. 
Demand compensation. 
Citi employees Executive Response team XXXX @ XXXX and XXXX have REFUSED to respond being unprofessional and unethical.
Today   XXXX   XXXX . Active hours app stated the bank will not release information. My bank is with bank of the West. All I need is for them to show Active hours I got deposited money. I need this to be resolved
In late XXXX my debit card from Bank of America was used and XXXX $ was stolen off it and in early XXXX my debit card from Bank of America was stolen and XXXX $ was taken out my account now both times I called the bank and filed a claim they recently got back to me and denied my claim saying I stole my own money. On XX/XX/XXXX they took the credit they gave me and also took money I had in my account which now i have a XXXX $ in my checking account. Before they took the temporary credit I had faxed them a written statement explaining the claims and stating that I didnt steal my own money they said they didnt get them so I faxed the same papers 3 more times and they still say they havent received them and that its nothing they can do for me expect try and make me pay the negative balance which Im not go do since Im not liable for the fraud that took place on my account
We have received another scam letter f rom Hunter Warfield, claiming t hey are attempting to collect a debt for a company we 've never encountered and an amount we 've never owed. I am well aware how these organizations work in attempting to purchase debts from creditors, manipulating people with similar names into believing they owe a debt that is not their own, and harassing said people until they give in and pay a debt they do not owe. I will not stand for this again! Companies like this should be taken down by the government for their deceptive and shameful acts of extortion.
My husband and I purchased this home that we currently live in almost 40 years ago. The original loan amount was {$64000.00}. Over the years and mortgage was transferred over to Ocwen without our consent. In the past 2 1/2 years alone my husband and I have paid over {$30000.00} in mortgage payments. However our total balance went from a XXXX XXXX XXXX to XXXX XXXX $ after {$30000.00} in mortgage payments. We have been home almost 40 years and the mortgage lender stated that our home will still not be paid off for another 20 years.During this entire process my husband and I have made the mortgage payment every month principal balance and interest rate and the Total amount owed continues to grow and snowball out of control.
I have private student loans through XXXX, and had been paying them through XXXX XXXX XXXX, until XX/XX/XXXX. My minimum amount was around $ XXXX/month, for all my loans, but I was paying {$500.00}. Around XX/XX/XXXX, I increased it it $ XXXX/month. In XX/XX/XXXX, my loans were transferred to Navient, and I was paying he same amount. On XX/XX/XXXX, I called Navient to try to reduce my payments to the minimum amount, since I couldnt figure out how to do it online. They told me that {$590.00} was the minimum! I asked to speak to someone else, and all she said was her manager came and looked at the screen and confirmed that the computer screen said {$590.00} was the minimum. I have been paying these loans since XXXX. I know that is not the minimum, because I have been paying $ XXXX/month for 8 years. Also, the easily accessible XXXX website showed me my minimum was around $ XXXX/month.
Recorded message caller stating " This is a call from the law offices of Maury Cobb regarding a debt collection. Please call XXXX ''. When I call this number, there is a recording stating " the associate at XXXX is unavailable ''. Caller ID shows XXXX I do not have any outstanding debts to anyone and my credit is perfect and has always been perfect. It is a scam trying to make me think that I have a debt owed to someone. I have never been able to speak to a person at the phone number above. It 's only a recording each time.
onemain fin co. put a loan debt on my credit report for $ XXXX.and said that the original creditor was XXXX XXXX, onemain is useing the account number-XXXX  in the amount of $ XXXXXXXX XXXX was paid under account number XXXX-in the amount of $ XXXX.date XX/XX/2015.now that it is on the dater basic of the c.f.p.b. and the XXXX under the same number, which the bureau will get a copy of. by staying on my XXXX  and XXXX credit report you are aware of the fact that you are breaking the law.of the F.T.C. Fair Reporting Act. By reporting False information.I do not owe you.
In XXXX I went to pay my lease payment and my account stated it was paid for so I called GM telling them that a payment was applied to my act. They stated that it was paid and that I had an extra payment. I thought it was funny. I kept an eye on the account. When I got a bill by mail stating a double amount I immediately called and they said the payment was reversed bc it was applied to the wrong act. They apologized and I immediately made the payment. They indicated and they said its recorded that it was their mistake and that it will not be reported. Well I have my credit monitoring since I have good credit and they reported me late. I called them and asked them to check their notes, I have left messages, I sent them a phone call request through GM Financial website, I have yet to hear from anyone. I have disputed this 2 x and they keep saying is correct. I even asked for the fax # to their legal department. I am not going to allow them to XXXX me like that after I am a single parent working myself with 2 jobs and making sure my debts are paid and on time. I do not know what else to do. Its not fair. I have cried because company like this one do mistakes and nothing is done and then they XXXX us up. 
I need this to be deleted out of my credit report, as this is the only thing that is on my report negative and it was not me, they should be able to teach their employees how to apply payments to the right account and on my recorded call, I told them are you sure they said yes, they are sure. I need help. Please.
My home has been recommended for foreclosure and is scheduled to be sold at auction on XXXX XXXX. Throughout this process, I have been working with : XXXX XXXX XXXX Preservation Client RepresentativeNMLSR : XXXX last spoke with her on Monday, XXXX XXXX. I informed her that we had listed our home for a short sale and expected to have an offer shortly. I was calling her as a courtesy so that SunTrust would be prepared for our offer packet to arrive. At that time, she told me that an offer packet would be considered only if it was received before XXXX XXXX, 2015. 

As of this afternoon, we now have the offer in hand and a compete package for submission to SunTrust. I called XXXX XXXX office to inform her of this fact and to enquire as to the reason that our attorney had been unable to receive a response from you. XXXX XXXX was not available to speak to me so I was connected with an alternate agent. After I informed this agent that we would be submitting an offer today, she told me that we could not submit an offer for review because we were less than 15 days from the auction date. When I pointed out that, as of my conversation with XXXX XXXX on XXXX XXXX, no 15 day requirement had ever been communicated to me, I was transferred to a XXXX agent. This XXXX agent told me that I can submit the offer packet but that SunTrust would not guarantee it would be reviewed or the auction cancelled as we were within the 15 day window of the auction. 

We will be submitting the auction package to SunTrust today. I want to escalate this matter for your full consideration with regard to reviewing the packet and stopping the auction while approval of the short sale is pending. The offer packet is correct and complete. Additionally, the requirement for receipt at least 15 days has never been communicated to me, in spite of the fact that I have been communicative and responsive to XXXX XXXX information needs over that last eight months. More so, the letter from XXXX XXXX for the sale at auction ( XXXX XXXX XXXX XXXX ) did not mail us the notification that our home was scheduled for auction until XXXX XXXX. It was done via registered mail so you will have a record of when I received it. Regardless, it was revised less than 15 days before the XXXX XXXX date. 

As we have a complete and correct offer in hand, the 15 day requirement was never communicated to us and the notice of the sale was received less than 15 days before the auction date, I respectfully request that SunTrust agree to review our offer package.
I have XXXX USD in my online account with coinbase.com. I got a new phone which invalidated their 2 factor authentication. I 've gone through all their processes to reset the 2 factor auth for a new device, and I 've heard no response from them. I 've filed a support ticket, I 've sat on their support phone line for hours, and still nothing. It 's been 3 months and I ca n't access my account to withdraw my funds.
I did not receive any notice of this dept if so I would of put my medical insurance information, I 've had medical/iehp since 2009