WillisBack/dataset-financial-user-claim huggingface dataset:
my loan is serviced through american education services. I have a co-signer on my account totally around {$90000.00}. my loans have been sold and resold over and over again and i pay XXXX seperate accounts. XXXX i pay {$220.00} monthly for my XXXX student loan now services through american education services and i also pay {$550.00} to my National collegaite trust accounts serviced through american education services. I then pay XXXX $ monthly to XXXX XXXX and also {$55.00} monthly to wells fargo. Overall if you have added this up it totals to a {$900.00} per month. I have kept current barely by working XXXX jobs and begging my co-signer to loan me money non stop to make such a large payment each month. i cant buy a home, nor a car and i can barely survive and feed me and my son. I am drowning in this debt and i have tried to consolidate numerous time buts all the banks tell me is that I have to high of a debt to income ratio to get a new loan. I contact American education services every month being that they hold the bulk of my loans and every month every time i call they give me no help. they say i have no other options an di need to make my payment or they will sue my co-signer who is now retieing and cant afford to take on my XXXX $ worth of debt on a fixed income. I have literally begged for help because i am paying out a MAJORITY of my entire monthly income just in student loan debt causing me to live a extremly poor quality of life. i am begging for someone to work with me and lower my payments. this company wont help me at all and when i try to get help from a XXXX party they all say to default on my loan and then American education services and National collegetie trust will work with me. I should n't have to default. i want to pay i do my best, im trying to maintain my credit score as well as my co-signers. I should n't have to default to get help these companies should work with the consumer to make payments that are fair and reasonable. private lenders are ruining peoples lives although these big banks received bailouts, im asking for the same kind of help. this is america, im XXXX and a first generation college student whose parents made to much for me to get federal aid in my XXXX years but not enough to save and pay for my college. please help me someone. i have tried everything this company is ruthless. my americann education services account number is XXXX please help me get them to lower my payments. i want to pay just not almost XXXX $ per month when i have no car and dont even own a home.my american dream has been destroyed all beacuse i went to college.
There is no transparency : -No monthly statements, no payment history. 
-Attempts at online payments generate a pop up window that declares " online payments not available at this time ''. 
-My starting balance was {$3500.00} in XX/XX/XXXX, my current balance is {$3800.00} as of XX/XX/XXXX despite having made six on time payments of {$180.00} for a three month total of {$1100.00}. Even at an APR of 129.776 % the balance should not be growing. 
-Agents can not answer questions about why a balance is going up rather than down. 
-Emails are not replied to. I sent several emails regarding a payment issue, the last on XXXX XXXX and as of XXXX XXXX have yet to receive a reply.
Noticed account listed on credit file with multiple errors : late payment history, missing data, incorrect balance and unrecognized interest and fees. Disputed account with credit bureau to obtain validation of data being reported. They have knowingly reporte inaccurate, unverified data without proper debt validation. I requested that XXXX XXXX provide validation under FCRA sec 609 but after 60 days I have yet to receive proof and this is a clear violation of my consumer rights.
Hello, I spoke with a Conns customer service rep on XX/XX/2017. I currently see a late payment reporting for my Conns Account for the month of XXXX, and a late payment for XXXX on my 2nd Conns account. On XX/XX/2017 I spoke with a customer service rep ( XXXX from the payments team ), and we determined a auto-payment feature on Conns end occurred. My bank information was correct, as the rep verified it. Based on the research, the rep informed me they would correct the credit report since it was a Conns end error. I still have not seen the correction on my credit report. My next step would be to contact the CFPB and file a complaint for Conns not  exhausting there efforts to correct this mistake under the FCRA. To avoid conflict, and keep a good relationship with Conns, I am kindly requesting these 2 errors be corrected as soon as possible. I have attached my credit report screenshots, showing how both accounts are currently reporting.
Sears is lowering my credit limit because I have not used the card in 17 months.
After suffering financial hardship due to divorce and reduced work hours, I requested my mortgage company to approve a short sale on my house. A foreclosure sale was scheduled in 14 days ( XXXX XXXX, 2016 ) but we had just received an offer for {$210000.00} that would pay off my loan with them ( Pay Off Amount is {$200000.00} ) and only leave them to pay part of the commission to the real estate agents and other closing costs. My agent sent them the purchase contract along with other documentation they requested and asked them to please postpone the foreclosure sale until they have time to thoroughly review the offer in hand and make a decision as to short sale approval. They informed my agent that since we only had 14 days until the sale and their internal process required 15 days to stop or postpone a foreclosure sale, they could not stop the sale. This is AFTER we had just told them we had an offer in hand from a qualified buyer. They still said because we only had 14 days, they probably could n't do anything. My agent told them all they had to do was pick up the phone and call the trustee and tell them to postpone the sale for 30 days and that should not take 14 days! I am furious and very confused as to why they would not just postpone this foreclosure when they know they have an offer in hand that will pay them off in full minus a XXXX dollars in closing costs. PLEASE HELP ME. I just need them to postpone the sale at this point, for 30-60 days, to give us time to get the short sale worked out.
I went in to my local wells fargo branch that is near my work on my lunch break to with draw money from a non-wells fargo account. I am a full time student and have a checking account run through my school where i receive my stundent loan refunds deposited too. Typically once my refunds are deposited i head over to wells fargo to withdraw the money and deposit the money into my wells fargo account because the bank from my school does not have any convenient atms and there are fees everytime i used the card. Well this was the first time i went to the wells fargo by my work and when i pulled up there was not a visable atm from the front. I went inside the banking center and asked the teller if there was an atm at this location and he confirmed there was one around the side. However the teller informed me that he could complete the transaction inside and i asked is it the same fees as the atm outside and he stated that they were. The teller then asked the associate next to him how to complete the transaction and the teller informed him to do a cash advance. I then asked are you sure the fees are the same as using the atm, the atm only charges me {$3.00} from my other bank and wells fargo charges {$2.00} because its a non wells fargo account. The teller reassured me they were the same. After the transaction was complete there was a {$17.00} charge on my account because the teller ran it as a cash advance. I went to the manager, the manager had the personal banker call my bank and my bank informed us theres nothing they can do. Its wells fargos fault for running it as a cash advance. I ended up being late back to work, the manager said he was going to call me and i have yet to be called. I was lied to, they wrongfully did a transaction that i did not authorize, and wells fargo stole {$17.00} from me. I asked the manager to either reverse the charge or reimburse me to fix the situation.
Traded a vehicle in for the down payment after closing the deal for a used truck, I was asked to return to the dealer to discuss your financing and it was not disclosed to you that the deal was not yet final. I was told the terms of the loan has changed. The company 's name is XXXX XXXX, XXXX XXXX XXXX XXXX, WA XXXX. Amount to be financed {$12000.00} at an APR of 14.99 % for 48 monthly payments of {$340.00} trade in of {$2500.00}. I was called and was told that the new terms are going to me 36 months with a payment of over {$400.00}. During the test drive I asked if I could take it on the highway to see how it drives and I was denied that option, I wanted and independent company to do an inspection on the truck I was also denied that. After I took possession of the truck I checked the fluids and noticed that the truck did n't have oil. I took it to my local XXXX and they confirmed that it was empty plus a few other issues with the truck. The maintenance office of XXXX XXXX did call me to set up an appointment, I let him know about the oil issue and offered a free oil change to make it right.
On or around XX/XX/XXXX, I contacted American Express to make them aware that I would be unable to pay the balance on the account for some time due to Hurricane Harvey. I was told only at that time that " I didn't need to make a payment at that time '' and that I could " make a payment when I am able to do so. '' It was not until XX/XX/XXXX that I began to receive late fees associated with the outstanding balance. I made a partial payment on the account on XX/XX/XXXX and attempted to make a payment on XX/XX/XXXX. I did not receive any collection calls or notices from American Express in an effort to collect the debt. I contacted American Express to change my address and I was told at that time that my account had been sent to a third party collector. Again, no notifications from American Express that this would be done, no attempt to contact me to resolve the debt at least 30 days prior to the debt being assigned to a debt collection agency. After speaking with XXXX ( Payment Team ), XXXX ( Credit Team ), XXXX ( Legal Department ) with American Express, I was unable to resolve this dispute on my own since the account has been outsourced to XXXX Collection.
I have about {$15000.00} in Stafford Loans that are serviced by FedLoan Servicing. In the past year, I have had a series of negative experiences with this provider. Most recently, I wanted to use part of an XXXX XXXX XXXX XXXX pay off an unsubsidized loan which totaled just over {$2400.00} with unpaid interest included. My education award was over {$5000.00} so I requested {$2400.00} be sent to FedLoan Servicing with explicit instructions that the money first go towards my unsubsidized loan with the remaining amount going towards another loan. They failed to follow these instructions at all, instead applying the {$2400.00} to all of my loans. I wanted the unsubsidized one targeted because it has the highest interest rate. 

This is in addition to enrollment issues I had to work through during the spring and summer. It started XX/XX/XXXX when I received an email saying I would need to start making payments on my loans. This surprised me quite a bit because I was in graduate school, which should have put all of my loans in deferment. FedLoan Servicing told me that they did not have any verification that I was enrolled in school, and that my school 's Office of the Registrar should send in an enrollment verification form. In the meantime, they put my loans on a one-month forbearance. One month later, I received another email saying I would have to start making payments on loans. FedLoan servicing told me that they did not receive the form. My school 's Office of the Registrar confirmed to me that they did, and offered to fax another copy. This copy was not received either, nor was the following copy. Finally, I asked what I should do differently since what I was doing clearly was n't working, and FedLoan Servicing told me I could upload a document directly to my account, which I did and it was processed. This was the exact form my school had sent three times, all of which were misplaced by FedLoan Servicing. 

Overall, I have become rather displeased with the quality of service I am receiving from FedLoan Servicing. It 's to the point where anytime I want to interact with them, I just assume I 'll have to have multiple conversations with customer representatives to work out mistakes they make.
On XX/XX/XXXX, my husband and I submitted an investigation request to Equifax. My husband received his response a couple of weeks ago like he should have, but I have yet to receive anything from Equifax. They were supposed to send me the results within 30 days, but they have not.
I use online bill payment with    XXXX   XXXX   XXXX   (  XXXX  )  to pay my credit card bill to TDBank (  XXXX   XXXX   XXXX  ). I made my  XXXX   2017  payment via  XXXX  's online bill pay. TDBank cashed the check, but applied the payment to the wrong account. TDBank then began assessing late fees. I called TDBank 's customer service and collections department multiple times in  XXXX  and  XXXX  to dispute the late fees. These calls were recorded so I am on record as disputing the fees. Despite my paying the bill on time and disputing the late fees, TDBank falsely reported me as delinquent to the credit bureau.  <P/>  XXXX  sent the cancelled check directly to TDBank to prove the payment was made on-time. TDBank still argued that they did n't receive the check - despite having endorsed and cashed it. On  XXXX   XXXX ,  2017 , myself and my  XXXX  representative called  TDBank  's collection department together. In a one-hour recorded conversation, TDBank finally researched this issue and admitted the funds were received on-time but applied to the wrong account.  XXXX  at TDBank agreed to correct the error by properly applying my payment to my account, reversing the late fees and correctly reporting to the credit bureau. Both  XXXX  and TDBank recorded this call. Instead of correcting the error, TDBank again reported the disputed late fees to the credit bureau. I called TDBank again today,  XXXX   XXXX . In another recorded call, the representative again admitted that it was TDBank 's error. She claimed I was reported to credit bureau because the department responsible for fixing the mistake had n't fixed it yet and that she could n't fix it herself. She would not let me speak with the department responsible for fixing the mistake or provide any time frame for when it would be fixed. I asked for a  manager  on  XXXX   XXXX  and  XXXX   XXXX . I was told no managers were available and that I was " in que '' and would receive a call back in  48-72 h ours. I never received a call back. TDBank 's customer service department will not help me because they claim my account is in collections and only the collections department can correct the error.  <P/> I can not escalate this issue to TDBank 's Ombudsman because the bank 's dispute resolution process requires a written response from a  manager denying my requested relief. The manager manager will  not even return my calls, much less respond it writing so I 'm stuck.
In XXXX XXXX, I was contacted by XXXX XXXX, based in Mississippi, about consolidating/refinancing my XXXX XXXX student loan, which had a relatively low fixed interest rate. The XXXX offer included a 0.25 % discount for signing up for ACH withdrawal linkage, as well as a 1.0 % discount for on-time payments. When I originally spoke with the loan officer, the loan was to be reamortized over 30 years. However, by the time Within a short time, XXXX was acquired by XXXX XXXX XXXX XXXX XXXX XXXX This transfer did not affect my payment schedule. Then in XXXX, XXXX was acquired/sold the loans to XXXX. At this point, my payment was jacked up from $ 200/month to $ 300/month and the amortization changed from 30 years to 20 years. 

Not long later, the note was transferred to XXXX. Then it was transferred to XXXX. At this point, XXXX raised my interest rate to 4.50 %. I attempted repeatedly to resolve the matter, but their XXXX XXXXervice reps always refused to hear my complaint or to escalate the matter. They also refused to provide the complete original loan documents including the Promissory Note and Amortization Schedule. I informed them that they assessed my loan as ~ {$10000.00} more than I owed. 

Then this summer - XXXX - my note was transferred to Nelnet. NelNet claims that my interest rate stands at 5.5 %. They are unable to provide any documentation about my loan. The federal government 's website, http : //studentloans.gov, also comes up empty when I search for any promissory notes or amortization papers. 

According to my estimate, my student loan was paid off this summer, in XXXX XXXX. Therefore, I have overpaid NelNetXXXX by ~ {$600.00}. I hereby request a full refund of the amount I overpaid, and to have the debt eliminated from my credit reports, declaring the loan PAID IN FULL. 

I look forward to your response. 

Sincerely, XXXX XXXX XXXX Rhode XXXX XXXX XXXX XXXX, CA XXXX
My mortgage company sent me a payment change letter with very contradictory information. The interest rate is increasing, however the payment is not. The amount amortizing for the balance is changing as is the interest, but the payment is not. Then the letter says that " the interest rate can change each time by no more than 99.99999 %. '' Additionally, the letter says that the payment as shown will cause the loan to be negative amortizing. I have received this type of letter before from the lender-OCWEN and asked them about the information and to provide an amortization schedule-to no avail. Their system is most likely not in compliance with federal regulations regarding the notice of payment change. Please review the letter attached and provide some clarification as this is a formal complaint.
A company called a said that someone came to my home to serve me papers for being sued on this issue. They threatened to come to my work and said that I had to pay in full today. I told them I have no money to pay the debt off.
On XX/XX/XXXX, XXXX XXXX XXXX XXXX initiated an eviction process against me for 30 days or less late in my rent. XXXX XXXX District Court, XXXX XXXX County, VA granted a judgment for {$910.00} ( the deposit I paid them was not deducted ). Within 30 or  60 days, I received a letter from a collection agency, National Credit System , Inc. Demanding {$3200.00}. I disputed the amount. I tried to find a lawyer unsuccessfully. On XX/XX/XXXX, I settled the debt for {$1500.00}, perhaps more. They send a letter indicating that I had no further obligations. I'm in the process of applying for a home improvement loan, which is denied because the judgment still shows on my credit. I called National Credit System. They indicated is their prerogative not to remove the judgment because I still have a balance. For the judgment to be removed, I have to pay in full. I'm requesting an investigation. One, can a judgment be increased? ; Two, can they  refused to remove a judgment after indicating I have no further obligation?
XXXX XXXX XXXX has said that they have informed all credit report agencies to delete account and negative remarks, this account is still showing as open.
We have been trying for a modificaton since XX/XX/XXXX. It has been an exasperating ordeal for us and all we want to do is go back to making good faith mortgage payments to NationStar. My complaint is a serious matter, since our documents were sent, we 've been denied twice for a modificaton beacuse the Underwriter reviewing our file uses financials that are at least two months old. Each time we place a call to Nationstar, we are advised no further documents needed and no updated financials needed. How is that possible if we submitted documents since XX/XX/XXXX?! Our finances has changed for the better, we are XXXX XXXX and collect rental! How is it that a bank can review then denial a modificaton without accurate information?! How is it that a bank can review then deny you for a modification withour updated Profit and Loss and supporting bank statements?! Why is it that NationStar 's goal in NOT to help their long time customers but rather help us lose our home?! This is concerning to us because we can not afford to lose our home, it is not an option for us- the reason why we defaulted on our payments was because I was laid off of my job. Since our hardship, we have started a business which has been successful and we have consistant rent every month. It 's concerning that we can shoe affordability on to pay our mortgage but Nationstar is not doing their due diligence to when it comes to obtaining current documents for a review. How many times will they deny us a modificaton but then reopen our case for another review?! Why ca n't they get this right the first time around? I can never get a hold of a supervisor or the Ombudsman office, the representatives has lack of information to provide each time. We are annoyed and scared- this is not turning out in our favor but the banks! We ca n't even get a hold of our representative XXXX XXXX! extXXXX
My mortgage company continually does not post payments timely or correctly. I made my XX/XX/XXXX payment on XX/XX/2018. I received a stament dated XX/XX/18 for my XX/XX/XXXX payment that showed both a apyement due for XX/XX/XXXX and XX/XX/XXXX. When I called SLS, they stated that my payment was current and they could not explain why the statement I received showed a past due payment. I was told to disregard the statement. I asked if they could send me a correct statement and I was toLD I would need to submit a written request. I would like this servicing company held accountable for sending me correct stamens to reflect my payments posting correctly. I should not have to send a written request to get a corrected statement. I would also like the ability to manage my account online so I can insure everything is posting correctly as it is received. I received a statement in XX/XX/XXXX which they could not explain an additional {$710.00}, but I paid it as I wanted my account to stay current. XX/XX/XXXX I made my payment for XX/XX/XXXX. My XX/XX/XXXX payment is scheduled to be electronially transferred to them on XX/XX/XXXX. I never received a statement for XX/XX/XXXX which should have shown the XX/XX/XXXX payment due and that is why it is not attached.
I have an account with citibank. I had financial difficulties any could not make my monthly payments on the account and my account was over the limit. Citibank closed the account and continually reports over-limit and late payments to the major credit bureaus. I am not disputing that I owe citibank nor am I trying to not pay them. I have been paying what I can and recently set up an autopay payment of {$64.00} to be debited 2x 's a month in the amount of {$32.00}. On XX/XX/XXXX I received an email saying my autopay was coming up and the amount was not {$32.00} is was {$780.00}! I did n't set up nor authorize a payment for {$780.00}! I immediately went online and changed it back to {$64.00}. I received an email confirmation of my updated payment. I went online and checked my bank account and citibank withdrew {$780.00} which caused my car and credit card payment to bounce resulting in return and late fees of {$170.00}! My credit card charges an additional fee of {$39.00} because now I am also over my limit! I called citibank and while the person I spoke with tried to help he said my account was on hold and they would n't do anything. I had to call my bank and explain everything, then call the credit card company, and them the car company. This has been an all day ordeal due to citibank fraudulently withdrawing more then I authorized!