WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2018 i called Navient because they continue to contact me about late payments. I recently received an email stating that I owe {$730.00} in payments. In XX/XX/XXXX I attempted to consolidate this loan with XXXX and they told me i could consolidate. I pay XXXX $ XXXX month, another Navient loan {$88.00} a month. I asked them why they said i could consolidate if i couldnt. I never heard from them since XX/XX/2018 when I thought the loan was consolidated. Then in XX/XX/2018 they say no its not consolidated and you are 3 months behind. I previously had a debit of {$86.00} and it increased to {$100.00} under the rate reduction program. However, those debits stopped and I thought it stopped because it had been consolidated and it was included in my XXXX payments. 

I explained that I have no money left to pay {$730.00}, they insisted that i pay it the same day or {$170.00} by credit card. They then offered to put me on a 6 month interest only plan, which i still cant pay. What happens after 6 months. They said i had exhausted all forbearance. 

These people do not try to work with students forgetting that we too have living expenses. The rep said i could only refinance the loan amount which is {$38000.00}. I enrolled in University of XXXX XXXX and never got a degree because they coerced me into getting all these loans when i ran out of federal aid. I have tried to no avail to find out who and where all this money went. At one point Univ of XXXX said to me that they didnt refund money because students would use it buy cars, WHAT!!! 

University of XXXX XXXX was predatory telling me that it would be 18 months to earn my degree, yet they used predatory tactics to make you continue taking the same classes over and over then setting you up for more loans. 

I do not believe that Navient will assist me in any way except to sell XXXX to send them money. I am a XXXX XXXX XXXX XXXX without a XXXX XXXX XXXX promised. I completed the entire XXXX XXXX XXXX XXXX program but received a " XXXX  '' in one class. They tell me I need to repeat the entire program again. I have never heard this happening to anyone. 

Its not fair what Navient is getting away with. They will not accept anything other than what the scripts says. 

Please contact Univ of XXXX XXXX also for an explanation.
The company " Portfolio Recovery '' has called me XXXX times in the past XXXX weeks to try to get me to provide them with personal information regarding my son. They told me they were given our phone number as a contact number for him. We have had this phone number and address for about XXXX years. Our son left home about XXXX years ago when we were living in another state. My son tells me he has paid all his old debts and he owes no XXXX any money. I do not want to receive any more phone calls from people I do n't know asking how they can get to my son. XXXX of the numbers they have called from are XXXX and XXXX. I do not have the XXXX number. A different person calls each time. They should not have the right to continue calling to ask for personal contact information.
Well Fargo continues to violate federal laws and keeps charging me late fees and interest fees on a credit card account that was closed over a year ago. This is the second complaint in less than a month because Wells Fargo is still charging me excessive fees on my closed credit card. Please read my previous complaint made with CFPB, case number XXXX. Wells Fargo has also charged me excessive overdraft and several other types of fees on my checking and savings accounts. Wells fargo is charging me excessive fees on all of the accounts and products that I have with them. Wells Fargo also charged me excessive late fees and high interest fees on a closed auto loan. Wells Fargo has continued to charge excessive fees even after these accounts were closed. I had a checking account, savings account, business checking account and a business savings account all opened without my consent or knowledge. All of these accounts were not visible on my online banking and I never received bank statements for those accounts. These accounts kept getting several monthly severice fees and other fees and I never even knew these accounts existed. Every direct deposit of my paycheck gets taken away by Wells Fargo as an account right off on the accounts that were opened without my consent. Those accounts had received several fees before they closed and wells fargo keeps making account right offs and withdrawing my money from my checking account to pay off the excessive fees on the accounts that were opened without my consent and that were closed due to inactivity with large negative balances from the fees.
My score dropped over XXXX points in less than 7 days, NOTHING on my report indicates what may have happened to indicate such a drop in score. I have reached out to XXXX out of the XXXX credit companies and am being offered general information on how scores are calculated. I am aware of how they are calculated, which is why it doesnt make sense or adding up HOW so many points were dropped from my score in a short amount of time ... it is discouraging and need specific help! Thank you
Movement Mortgage I'm very distraught of the lost XXXX Earnest Money, XXXX Inspection, totaling XXXX. The XXXX appraisal fee was was returned to me but the rest of my lost hasn't been addressed. XXXX XXXX requested the closing date be extended and which I agreed and then the loan wasn't approved which made me loose my XXXX earnest money and XXXX inspection money. I would like for that to be returned to me to settle this matter. 

My prior CFPB # XXXX
While I have been making my payments to my Discover card, they have and are still withdrawing funds from the incorrect bank account, which have caused me a total of XXXX overdrafts, cost me {$320.00} worth of fees from the bank ( which the bank has reimbursed ) and {$75.00} returned check fees from Discover which they have not reimbursed.
I sold my home last year and BBVA COMPASS BANK reported BANKRUPTCY on my credit report on XX/XX/XXXX. I have contacted COMPASS BANK numerous times and no one has returned my phone call. I have had to hire a credit company to try and resolve this issue. We sold our home in XX/XX/XXXX and purchase our new home in XX/XX/XXXX. I have never filed for Bankruptcy.
I have presented Bank of America with disclosure of concerns pertaining the fraudulent use of my account and identity theft. Bank of America has noted that an address that I did not authorized was associated with the account and confirmed that to this address a debit card was sent out. I reported that from the opening of the account, I have not received a card for the account. Further, the account was compromised and debits continued to be made to the account after having reported several times fraud as their department failed to prevent the unauthorized party to continue to make charges to the account. I have presented my concerns to several parties representing Bank of America, who did not address the concerns of fraud and identity theft appropriately and instead made request for payment for a debt that is not mine. I have requested that the monies that were debited from the account as a result of fraud be credited to the account and the accounts have been close at my request. I have made the credit bureaus aware that I have been a victim of identity theft.
Home Equity Line of Credit was set to expire in  XXXX   XXXX  &amp; increase payment from {$670.00} to {$1800.00} +. Requested information on a loan modification &amp; paid {$730.00} to get started. Submitted information including tax reports. My credit scores averaged  XXXX  and I have  0 m issed payments for any accounts in the last 7 years. My concern for being approved was debt to income. When I question the BOA modification ab out DTI h e said that " we can help most everyone. '' I then asked what the ratio was for DTI he responded that he did n't know or lied about not knowing. I asked another  Modification Specialist  the same question &amp; he said " only the underwriters know. " My income from Social Security is {$1400.00} &amp; rental income {$1700.00}.  XXXX   XXXX   XXXX  {$2400.00} &amp; BOA {$760.00}. The loan modification was denied on  XX/XX/XXXX  for insufficient income. After the denial I spoke with a different loan modification specialist and he was the first one who did n't lie. He said " there is nothing that can be done if the income is n't there. " The payment due on  XXXX  of {$730.00} was not made.   I spoke with a modification specialist who said I either pay the {$730.00} or it will be settled later. I was never told that if the modification was denied it would be reported to the credit bureau &amp; my FICO score could drop over  XXXX  points even after 7 years of  XXXX  late payments.   A  XXXX  denial letter from the  XXXX   XXXX ,  XXXX   XXXX  dated  XXXX  was received.   Since the case mgr. knows that a modification is not possible he is still still is requesting information to see if I qualify by  XXXX   XXXX ,  XXXX .   I received an appraisal report on  XXXX   XXXX  &amp; knew after researching BOA 's history, that this is the first step toward foreclosure. I am  XXXX   years old &amp;  have lived in this house for 29 years.   Out of fear, I made payments of :  XXXX  - {$690.00},  XXXX  - {$870.00},  XXXX  {$710.00}.   Payments are up to date.   Why is BOA continuing to drag it 's modification out if no other reason other than forcing a forecosure. I have read too many reports of applicants applying for a modification with good credit, current on loan being forced into foreclosure.
The following complaint applies to my XXXX XXXX Citibank Visa card. 

XX/XX/2018 : I ( personally ) changed my Auto Pay to the minimum amount of ~ {$86.00} in CitiBanks mobile app. 

XX/XX/2018 : Citibank ignored my prior Auto Pay selection and made an unauthorized deduction from my personal checking account in the amount of ~ {$3500.00}. 

I called CitiBank, lodged a complaint and asked them to correct it. They changed my Auto Pay selection ( again ) to ~ {$86.00} and returned the funds three days later. 

XX/XX/2018 : I called Citibank to advise them that they had, once again, ignored the prior Auto Pay selection and taken another unauthorized deduction of ~ {$3500.00} from my checking account. After calling my bank to verify the funds, they removed a hold on the funds on their end and advised that they had refunded my checking account. They also said that they changed my Auto Pay selection to ~ {$86.00} ( again ). 

XX/XX/2018 ( today ) : Funds for the unauthorized deduction still havent hit my checking account. I called Citibank and they advised me that the refund had not been initiated and that I now had to wait an additional 3-5 business days while they reverse the funds. They are, in effect, holding my money hostage.

In addition to being unethical, the unauthorized removal of funds from an individuals private account is ILLEGAL. I will be in conversations with legal counsel to understand my rights and next steps.
I 'm a victim identity theft and someone open accounts in my name this account was removed befor and now it 's back
I settled XXXX outsanding credit accounts that went into collection when I lost my job XX/XX/XXXX. I finally returned to work XX/XX/XXXX and began fixing. I settled with XXXX XXXX and XXXX XXXX Bank, both of which sent me settlement letters BEFORE I made the payments to verify the settlement reporting terms to the XXXX credit bureausI have attached for your review. 

For XXXX months now, I continue to dispute the status of these accounts as currently stated as " Charge Off '', which is not what I agreed to in their settlement letter. 
Correct Status for these accounts is " Paid - Settled, {$0.00} Balance " Nothing more, nothing lessEquaifax continues to show Charge Off, late payment, paid after charge charge, all comments that are not a part of the agreed settlement letter each stated they would report to the bureaus
We are sick and tired when our true and lawful Attorney-in-Fact XXXX OVERSEER AND SUCCESORS, A CORPORATION SOLE ( hereinafter " XXXX '' ) contacts BANK OF AMERICA , NATIONAL ASSOCIATION ( hereinafter " BANA '' ), and COUNTRYWIDE HOME LOANS, INC. D/B/A BANK OF AMERICA HOME LOANS ( hereinafter " CWHL '' ) at ( XXXX ) XXXX or ( XXXX ) XXXX about BANA and/or CWHL not complying with Federal Law when BANA and/or CWHL has never properly sent or shipped any " NOTICE OF ASSIGNMENT, SALE, OR TRANSFER OF OWNERSHIP OF MORTGAGE LOAN '' ( hereinafter " NOTICE '' ) ( open " First Attachment '' ), dated XXXX XXXX, XXXX, even though BANA and/or CWHL claims that the Creditor is not BOFA MERRILL LYNCH ASSET HOLDINGS, INC.? 

XXXX constantly calls BANA and/or CWHL to produce all new " NOTICES '' under Federal Law from the last time BANA or CWHL officially shipped a " NOTICE '' on XXXX XXXX, XXXX. BANA and/or CWHL employees, representative, agents, and managers give XXXX the runaround, BANA and/or CWHL never responds, calls, faxes, or emails XXXX. XXXX also gets numerous amounts of Reference Numbers, Request ID Numbers, and Case Numbers, that BANK and/or CWHL never, ever addresses or properly responds too. BANA and/or CWHL hopes XXXX goes away by constantly and intentionally ignoring XXXX 'S ongoing request for BANA and/or CWHL to produce all " NOTICES '' that took place from XXXX XXXX, XXXX to XXXX XXXX, XXXX.
was being reviewed for modification options. Green tree sent letter stating that client did not meet XXXX or more of the basic eligibility criteria XXXX which letter is attached ). Green tree failed to provided detail of what criteria client did not meet.
i have reported these items on my credit file to my credit reporting company ( equifax ) as these XXXX items not being mine and they have refused to remove them and have costs me {$1000.00} 's of dollars and costs me employment and mortgage loans ... .These items are XXXX BANK LOAN for {$19000.00} that is not mine and has XXXX appeared on my file in XXXX or XXXX i immediately notified XXXX bureaus and it was removed from XXXX and XXXX but equifax refused and i asked then to prove this is mine with invoices they i have signed or statements from the company or even loan docs that are for this loan and they have flat out refused my demands breaking the laws put in place by the fcra i want them to prove this is mine and they have refused my requests i will continue to file complaints until this item is removed. The other item as well is not mine and i have requested for over 2 years to remove this as this is not mine Nissan/Infiniti that is not mine and according to the fcra i requested docs stating this is mine and they refuse my requests to show these docs to me signed by me and if they cant show me the proof they must remove it according to the fcra law, they are breaking a federal law and i demand these items be removed at once or i will file a 10 million dollar lawsuit in federal court if it is not.
I closed XXXX account XX/XX/XXXX in XX/XX/XXXX i learn my credit score has been impacted by an unpaid bill over {$300.00}. i was never late a payment in 6 years with XXXX but now this bonus.I never received mail. I am not convinced I owe this because I have not had a phone active with XXXX since XX/XX/XXXX XX/XX/XXXX. the collection agency called a couple dozen times a day. i switched carriers because XXXX coverage was bad and they would not fix the gaps. i was missing calls.
The week of XXXX/XXXX/2017, I received a phone call from XXXX XXXX at XXXX telling me that I owed XXXX XXXX XXXX ( XXXX ) {$2700.00}. XXXX XXXX case number is XXXX. Her phone number was XXXX, fax number was XXXX, email address was XXXX. When I asked for proof of the debt, she would not verify the details or the debt and said that she was asked by XXXX to collect the debt. I had a previous auto lease with XXXX, and I currently have a new auto lease with XXXX. XXXX accounts in good standing. I am deeply concerned about the tactics used by XXXX and XXXX to try to collect debts that I do not owe. I have perfect payment history on all my loans. I have never had any delinquencies or collections. I have asked for proof of my debt, and provided XXXX  proof of my payments to XXXX. But XXXX has failed to respond to my request of proof of debt.
The lack of proof from XXXX and XXXX  makes this attempted collection really suspicious. Please help me resolve this matter.
Thank you, XXXX
Please be on notice that I am submitting this complaint to your company regarding blatant violations of my rights as a consumer. I am submitting this complaint based upon the following list of harassment and items of complaint : 1. I borrowed {$450.00} from your company and the total of the loan was {$630.00} after late fees and taxes.

2. The loan went into collection and I made arrangements to meet the agreement.

3. My remaining balance is {$210.00}, and your company was taking {$100.00} out of my account weekly.

4. In good faith I agreed to pay the stated remaining balance, however, the said collection agency started calling and threatening me with a lawsuit.

5. The harassment got very outrageous : a representative of said company named XXXX started calling me on my cell phone all times of day and nights stating that he was going to file a law suit and have me served a lawsuit at my place of employment! 

Therefore, since I have been threatened with by the collection company, I am now pursuing this matter by filing a complaint with the Consumer Financial Protection Bureau. I missed XX/XX/2018 payment, and in good faith attempted to make re-arrangements on the payment agreement but said company refused to allow same. 
I contend that XXXX XXXX XXXX influenced me, under duress, into a predatory loan. I further state that the collection agency is, with wanton disregard, violating The Fair Deb collection Practice Act.

This act prohibits collection agencies from harassing, threatening and inappropriately contacting someone who owes money. 







In addition, The Federal Trade commission uses the FDCPA to block debt agencies from using abusive, unfair or deceptive practices to collect from consumers. 

THEREFORE, I am seeking fundamental fairness in the way I am treated as a consumer with said company/agency, and re-negotiation of the debt agreement. Meanwhile, I look forward to a response or offer to resolve this complaint. 


Respectfully submitted, /s/ XXXX XXXX Cc : Consumer Financial Protection Bureau U.S. Attorney General Office Federal Trade Commission XXXX XXXX XXXX  [ L.S. ]
I had taken a loan out with XXXX finance XX/XX/2005, to do repairs to my house. I monies to repay them came out of my checking account automatic every month. Payments were made for about 2.5 years with no problem. Then my husband lost his job and I could n't afford to pay them. I had contacted them about the problem. However I have n't been able to pay them, so they put it on my credit. They have now sold the information to Midland funding, where they continue to report it on my credit. The problem I have is they have been on my credit for about 7 years already. I have disputed the account because they have stayed on my credit long enough. They never gave me the credit for the payments. They have also tacked on all theses interest and late fees that an {$7000.00} loan has turned into an XXXX debt. My dispute is that they have been on my credit for 7 years I thought it is suppose to come off. I contacted my bank and they said they only hold on to the information for only 7 years and they could n't give me my pay history.
I received a debt collection notice dated XX/XX/XXXX from Resurgent Capital Services. Resurgent was attempting to collect on a debt that was never mine and was already dismissed by the civil court in Oregon. Additionally, there were 2 other companies attempting to collect the same debt that was already dismissed. I sent a dispute letter on XX/XX/XXXX.  I stated the facts above as well as disputed the legitimacy and requested validation. I also stated that they were to cease collection of this debt until such time as they validated the legitimacy of their collection. On a letter dated XX/XX/XXXX, Resurgent sent another letter attempting to collect the debt again. They have not followed the Fair Debt Collection Practices Act as such. They have not ceased or validated their legitimacy or the validity of the debt. And again, the debt was already dismissed in civil court.
This is a complaint against First Hawaiian Bank for its grossly incompetent management of its supposedly new and improved website. I 've been a customer since approximately 2003, and I have never had problems with my account as bad as I have in the last few months with the roll-out of the new site. 

Tonight, I spent one hour trying very hard to access my account online and then trying to transfer funds. Along the way, I made two phone calls to FHB Online where I spoke with a total of four representatives. Not one of them had even the slightest clue of how badly the site was performing. Specifically, every time I tried to perform ANY operation, the site automatically displayed an error message. When I tried to make an external transfer FHB Online stopped the attempted transaction and said it would send a code to my phone for verification. But FHB never called my phone -- even after an hour. The broken system did nearly the same thing when I tried to ( re ) add my XXXX account as an external account. FHB displayed a message that my XXXX account credentials were invalid. ( Yet these were the same credentials that I have been using on my XXXX account for years. So there was nothing wrong with my XXXX online ID, password, or pin. ) But far and away, the very worst issue was my truly sad experience with " XXXX '' in the Online Banking Department. ( She said it was bank policy to refuse to provide her last name or even an employee number. ) Despite the incredible amount of time XXXX and I spent on the phone with her asking me the same questions over-and-over again, she could not understand that the FHB site was not performing as she expected it to. For example, she insisted there would be a blue arrow in front of my name. After asking me about this three times, I refused to answer the same question anymore. I had enough with the FHB site and its employees who were deeply in the dark about the site 's issues. 

There is obviously something seriously wrong with the FHB website. It is not performing adequately. While I was on the phone with FHB, I had absolutely no problem accessing my XXXX and XXXX accounts. So the issue is not my connection -- and hopefully not even my XXXX browser. Clearly my access to funds through the site is blocked. But I am far more concerned with FHB 's employees ' inability to troubleshoot, assist, or even acknowledge something is wrong.