WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I went back to college to finish my degree. At that time, Navient was contacted with the information that I am enrolled as a XXXX XXXX XXXX with XXXX XXXX XXXX. My loans ( a total of 4 ) where then put into deferment with an end date of XX/XX/XXXX. InXX/XX/XXXX Navient sent correspondence to the cosigner on one of my loans about a payment due. I then called Navient and spoke with them about the loan being in deferment as I have gone back to school. There was no contact or correspondence received by them untilXX/XX/XXXX, when they started calling and sending my cosigner payment reminders again. I then called Navient again to speak to them about this correspondence and the deferment, and to let them know that my cosigner ( who is my grandmother ) XXXX XXXX on XX/XX/XXXX and to not contact her anymore. I was told at that time, that the loan in question is a private student loan and has an interest only payment due and that a 100 % deferment is not an option as it is a private student loan. Navient never explained to me that this loan was not 100 % deferred, nor that it would have an interest only payment due while I went back to school. It appears to me that Navients business practices are deceptive and underhanded. I was never informed an interest only payment when I spoke with them back in XXXX, but was told all loans are in deferment. Then onXX/XX/XXXX, my grandfather received a call from a XXXX XXXX XXXX, identifying themselves as a collection agency and that they are trying to collect on a student loan that my XXXX grandmother ( cosigner ) cosigned on. My grandfather explained that the debtor is XXXX and to not call again. XXXX XXXX XXXX XXXX advised him that they would put a claim in with the estate for the debt to be paid. My grandfather explained at that time that there is no estate. OnXX/XX/XXXX, two letters were received in the mail from XXXX XXXX XXXX asking for the representative, executor or attorney who is handling the XXXX estate. 

One letter is for the collection of the private student loan that Navient states interest only payments are due while I 'm in school, and the other is for another student loan that is in deferment until XX/XX/XXXX. I see a couple of unethical issues with Navients business practices. 

1. As the primary account holder on these loans, I have not received any correspondence from Navient indicating that my accounts that are in deferment where going to collections? 
2. Why is Navient sending in school deferment loans to collections?

3. Harrasing a XXXX spouse after being told there is no estate and being sent a copy of the XXXX  XXXX. 
4. I am a single mother and have repeatedly have tried to with Navient on repayment plans and in school deferments. Navient has received my monthly income and debts, and has acknowledged that I am negative after my daily living expenses and debts are paid.
I went into Suntrust Bank on Wednesday, XXXX XXXX, 2016 and spoke with a representative to open a Checking and Savings account. I had a previous positive history with this bank with over four Certificate of Deposits that I open totally over {$10000.00}. So I get the new debit card in the mail for the checking account and I try to activate it. The card would not activate it was blocked. I went into suntrust bank to speak with a rep and he told me because I owed {$130.00} to the bank they have closed the savings and checking acct and put a block on the card. I was totally outraged, hurt and disgusted. I had just did a opening deposit of over {$4000.00} cash. So the bank rep pleaded to the office to not close my account but just deduct the {$130.00} out of my account. I was shocked and then on top of that I said well where is my cash deposits, I need my money now. Then the representative said Suntrust will mail your funds within 7-10 working days. I said oh my XXXX, you all have left me with no access to my money and my bills are due. They did nothing to resolve this. Now I am left with no bank accounts and money. Could you help me resolve this.
On XXXX XXXX a payment request from my girlfriend via XXXX was accepted by me XXXX {$1000.00}. Two minutes after I approved payment, the recipient canceled the transaction on XXXX. Funds were still drawn on XXXX XXXX from Wells Fargo and sent to XXXX with a trace number provided. I contacted XXXX on XXXX XXXX and representative told me that since the recipient was party to cancel the transaction, it would still process and would automatically reject her account and be placed into my XXXX account after XXXX6 business days. I called back after 6 days and XXXX and was informed that they did not receive the funds from Wells Fargo. I called Wells Fargo and opened a claims investigation, and was told that a investigator would be contacting me within XXXX5 business days. I was never called and after XXXX XXXX I called to check on the claim and a representative told me that is was closed. I have called back and forth between Wells Fargo and XXXX with XXXX parties stating that they do not have the money, and each time I get told either Wells Fargo sent the money or XXXX did not receive it. I have been provided the Trace Number from Wells which I supplied to XXXX, and nothing has come of it.
I have contacted the agency Rash Curtis and Associates, XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX regarding an alleged debt of {$46.00} on my credit report. I was seeking verification that the debt was mine, and if it was indeed mine I wanted to pay it. They repeatedly denied my requests to provide any verification that the debt is actually mine, and only asked multiple times if I would like to pay by debit, credit card, etc. I do not believe I owe this debt, but they are neither willing to verify the debt is accurate or remove it from my credit report.
I came across XXXX while searching for programs to supplement and expand on web XXXX skills. With prolific overwhelmingly positive reviews seen on various sources ( XXXX ) from previous students claiming successful outcomes, including internship placements and job offers, I applied. 

I had an interview with XXXX XXXX, as he introduced himself, whom I now know to be XXXX XXXX XXXX. As per the website, students were promised at least XXXX mentor sessions, interview preparation help, and further assistance until jobs were secured. Upon a successful interview, I paid the tuition amount of {$5900.00} in full up front via credit card through XXXX ( payment processor ) ; at this time there were no financial assistance plans in place. 

Every week, the other students and I would arrange our one-on-one sessions with XXXX, and lessons would be conducted through a video-conferencing platform called XXXX. Things seemed to be going well, with more students enrolling - enough for XXXX to start looking for more instructors and an executive assistant. 

He eventually hired another instructor, whose time at XXXX was short-lived due to XXXX claims that students were not happy with him ; this, however, turned out to be false, and seems XXXX had failed to correctly pay him for his time. At the time, I never questioned it, as there was no reason for me to be skeptical. 

It was around XXXX when XXXX began to skip some of his scheduled sessions with his students, which elicited concerns among students. A few became increasingly worried about his absences and decided to ask for a refund and some left bad reviews for the school. In one particular refund case, the student left bad reviews of the school on multiple sources. It is my personal opinion that this notably triggered XXXX subsequently more XXXX behavior. XXXX threatened to put this student 's personal information online and ensure no one would hire this person - it escalated enough where the now-former student hired a lawyer. 

Further indication of his troubling behavior was his then asking students to help him create a website to defame the student. Luckily the website was never actually created and put online. XXXX XXXX, 2016 was the last time any of us saw XXXX online as our teacher. Several students expressed XXXX had not shown up for their sessions, nor had he warned he would be absent. This prompted our online search for XXXX. His executive assistant, who was also blindsided, realised passwords for accounts shared had been changed. This was the realisation point that we were now victims of fraud. 

Further research revealed he is on the Sheriff 's Most Wanted list in XXXX County and left the US to live in XXXX, bouncing between XXXX XXXX and XXXX. We have established many reviews have been falsely created by XXXX, and have reached out to known contacts, family, and are currently working to alert the correct authorities. As far as we know, he has fled with the money of possibly XXXX or more students without delivering all that was promised.
on XX/XX/2018 a round trip ticket was purchased from XXXX for the amount of {$4300.00} with amex gold card, the ticket has a 24 hour cancellation policy.

with in the 24 hour window on XX/XX/2018 the ticket was cancelled on the XXXX website, as well to be double sure XXXX gets this cancellation note with in the 24 hour cancellation window, it was also send an cancel email to XXXX with in the 24 hours to cancel it. 

wile a credit was issued for leg 1 from XXXX XXXX in the amount of {$3400.00} but no credit was issued for the XXXX lag from XXXX XXXX XXXX in the amount of {$830.00} XXXX advised us to call XXXX XXXX XXXX to ask for a ticket refund XXXX said this ticket is not refundable. 

Our complain is that we ordered this ticket from XXXX that have an 24 hour  cancelation policy. 

we also have an email dated XX/XX/2018 from XXXX that this ticket had an 24 hour  cancellation policy. 

we opened many disputes cases with amex to credit this charge, unfortunately they always come back with the same answer from XXXX XXXX XXXX that this ticket was not refundable. 

wean we say to Amex : we did not agree to buy a non refundable ticket. 
and also the fact that we got credit for the first leg from XXXX XXXX shows that it was refundable ticket. 
as well go to XXXX and see the tickets have at a 24 hour cancellation policy. 
also we have an email from XXXX dated XX/XX/2018 that this was a ticket with a cancellation policy. 

Amex is opening back the dispute and comes back with an answer that XXXX XXXX XXXX says this is a non refundable ticket ... 

it dose not help any explanation that we never agreed to order a non refundable ticket, or that we have proof an email from XXXX dated XX/XX/2018 that this was a ticket with a cancellation policy. 

Amex is allwas comeing back sorry XXXX XXXX XXXX says this is a non refundable ticket ... 

PLEASE HELP US Thank you Mr. XXXX
On XX/XX/XXXX I transferred {$370.00} from my Wells Fargo XXXX account to XXXX XXXX ( XXXX ) to purchased concert tickets from an ad on XXXX As soon as the money was transferred he disappeared and there were no tickets transferred to me. Many attempts were tried to contact him but to no avail. The phone # he was using is XXXX
Freedom Mortgage received and cashed my XXXX 2016 payment but they did not apply it to my loan # or mortgage account. 
They tried to say that I did not send it in, but the records showed that it was cashed on XXXX XXXX, 2016 well before it would be considered late. 
They stated they had " lost '' the payment and proceeded to send me letters stating I was overdue and in default. They called repeatedly asking for the payment they had already cashed but never applied to my account. 
I requested proof of payment, including the endorsement and the # of the account it was deposited into. I have sent this information to Freedom Mortgage, but they have yet to apply the payment to my account and continue to call me, saying that my payments are late. 
They have refused to send me a check for an escrow overage that is due me, even though I am up to date on all payments, just because they never applied the payment correctly to my loan #. They are sending my bills with late fees, even though I am up to date. 
They have refused to respond to XXXX recent emails, asking for them to call me back. Their representative, XXXX XXXX, stated that Freedom Mortgage would reimburse me for the fees necessary to prove endorsement and cashing of the payment. He stated he would send me correspondence on Freedom Mortgage letterhead to confirm this, but this was never done. Why do they expect customers to pay the price for their ineptness in losing payments and to incur additional costs to provide proof to them of their own endorsement and cashing? 
I have spent 40+ hours talking to their " customer service '' representatives who treat me like a criminal, even though I have sent them all the evidence to prove that this is THEIR ERROR and they have had the money in their account since XXXX XXXX, 2016. 
They are non-responsive and have not fulfilled their contractual responsibilities to me as a customer in completing the basic task of applying my payments to my loan. They are at fault, have taken no responsibility and have demonstrated incompetence and a basic lack of regard for their obligations and duties. 
They should be held accountable. They have XXXX complaints against them.
I graduated college in 1999 and was a XXXX who did not make enough to pay the bill. I have since changed careers and make enough to pay the minimum payment but my balance is not going down. My loan has doubled in size. I need help.
On XX/XX/XXXX I purchased a used car from XXXX XXXX XXXX dealership in XXXX, TN. The car was financed through Security National Automotive Acceptance Company ( SNAAC ). The GAP policy was purchased from XXXX, which is owned by SNAAC, and the {$800.00} for the GAP policy was included in the financing. The car was insured through XXXX. 
On XX/XX/XXXX, the very next day, I was in an accident and the car was determined to be totaled by my insurance carrier, XXXX. 
OnXX/XX/XXXX XXXX sent a check for {$16000.00} to SNAAC ( attachmemt 1 ). This is also verified on my account with XXXX ( attachment 2 ). 
On XX/XX/XXXX I made a payment to XXXX  of {$210.00}, which was the scheduled bimonthly payment ( attachment 4 shows the payment credited on my SNAAC loan account ). I don't feel I should have needed to make this payment as my car was totaled. 
On XX/XX/XXXX XXXX XXXX, who was paid a commission on the GAP policy, issued a refund of {$540.00} to SNAAC. 
On XX/XX/XXXX XXXX XXXX verified that the {$540.00} refund check cleared their bank. 
OnXX/XX/XXXX XXXX sent a letter summarizing the entire transaction which confirms that SNAAC was paid {$16000.00} by XXXX, that I was due a refund of {$800.00} for the GAP insurance charged when I bought the car, and that the total GAP settlement is {$310.00} ( attachment 3 ). 
On XX/XX/XXXX I called SNAAC, along with my military financial advisor,  and SNAAC stated that they never received the {$540.00} refund from XXXX XXXX. They said that I owe {$790.00} which is the account balance that is shown on my SNAAC account as of today. The account also states that the " Total Due '' is {$670.00}. SNAAC told me that interest is accruing DAILY. 
On XX/XX/XXXX I printed a copy of the balance on my SNAAC loan ( attachment 5 ) which shows : Account balance {$790.00}. Total due {$670.00}.
I am in the process of purchasing a home and have all 3 credit company reports and only one of them XXXX Trans Union XXXX is still reporting a bankruptcy from 2005. I contacted them and explained the situation and they stated there was nothing they could do. I advised them that the other 2 agencies were not reporting this item. It was stated that at sometime it would drop off. I explained that i was in the process of buying a home and since it was already off of the others if they could just take it off. Again they stated they could n't help.
I noticed two hard copy pulled on my credit report without my consent one from  XXXX XXXX, and another from a XXXX XXXX XXXX, on XX/XX/2018, that I did not give permission or consent to do. This dropped my score to XXXX, and I want this corrected, so my scores will be raised back to where it was or higher.
I requested a loan on XX/XX/XXXX, which was funded on XX/XX/XXXX. The agreement I signed stated that the first payment was due on XX/XX/XXXX. This is what I signed and what I authorized to be taken out of my bank account starting on that date. No earlier. 

One of their customer service reps, XXXX, was assisting in setting up the repayment schedule, and somehow backdated my payments and said they were due starting on XX/XX/XXXX. How would payments be due on XX/XX/XXXX for a loan I didn't take out until XX/XX/XXXX? Am I supposed to get in a time machine to go back in time to make this payment? She also didn't take responsibility for her mistake and just stated that " she saw that the payments were due starting on XX/XX/XXXX '' but didn't acknowledge that she made an error and caused this problem. This mistake caused a payment to be taken out of my account today, on XX/XX/XXXX, which I DID NOT AGREE TO. THIS WAS NOT IN MY REPAYMENT SCHEDULE and they still debited my bank account. I think this should be illegal. 

I was told it would take 2-3 days to fix, and now am being told 4+ days. I do not trust this company having access to my bank account.
This agency have tried to collect a couple medical bill recently and I advised about this specific bill and they insist that it 's mind and they would do a pay deletion however I keep advising them my lawyer will be involved soon bc I do n't owe them but I keep getting different calls on the same thing but I have n't gotten any letters from them or the original creditor
On or around  XXXX   XXXX ,    2017, I cal led  an American Express customer service representative to ask whether I could upgrade my Amex Everyday card to the Amex Everyday Preferred card. I was interested in finding out if there were any promotional offers associated with upgrading my card. I specifically used the word " upgrade, '' and it was clear from the context of my request that I was requesting a product change from the lower version of the card ( Everyday ) to the higher version ( Everyday Preferred ). At no time did I ask for a new card account.      The representative appeared to understand my question and told me that there was an offer that would allow me to upgrade the card and receive  XXXX  membership rewards points if I spent {$1000.00} on the card within the fir st three months of us ing it. I agreed, and I made sure with the rep that this upgrade would not result in a hard pull on  my credit score. The rep  said that she was n't sure, but she thought it would be a soft inquiry rather than a hard one. Again, this led me to believe that she was in fact processing my application as an upgrade ( i.e., product change ) and not as an application for a new card account.     When I opened m y Everyday Preferred ca rd on Monday,  XXXX   XXXX ,    2017, I real ized that the representative had in fact processed my application as an application for a new card account, and  not as a product change. American Express had done a hard pull on my  XXXX  credit report. This hard pull, in combination with the new card account, caused my credit score to fall at least  XXXX  points with all   XXXX   credit reporting agencies.      Making matters worse, the email the representative sent me after our c all ( atta ched ) included the la st five digits  of the Everyday card account that I was attempting to upgrade (  XXXX  ) instead of the las t five digit s of the new card account that was apparently opened later (  XXXX  ).      On  XX/XX/XXXX   and  XXXX ,  2017, I  call ed American Express to as k what they could do about this, but the representatives I reached diverted me from department to department until a representative diverted me to an automated line, which then hung up on me.
On XX/XX/2018 I observed a collections on my credit report from Equifax. I contacted XXXX XXXX XXXX and requested verification/validation ( attached ) and received a generic letter ( attached ). On XX/XX/2018 I filed a complaint with CFPB ( attached ) and they received the same generic letter. I again filed a complaint with CFPB and they did not receive a response. I forward all information to all credit bureaus and the account was removed except for Equifax. They stated that XXXX XXXX XXXX provided verification/validation. I have requested that information several times from Equifax and have not received any type of response.
ON XXXX XXXX 2017 I WAS LAID OFF FROM MY JOB. I IMMEDIATELY CONTACTED FAY SERVICING TO REQUEST LOSS MITIGATION. ON XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX AFTER WINNING MY UNEMPLOYMENT I SENT FAY SERIVICING CHECKS THRU MY BILLPAY THRU MY BANK. FAY SERVICING HELD THOSE CHECKS UNTIL THEY FOUND OUT THAT I HAD A PAPER TRAIL AND THEY FINALLY CASHED THE CHECKS ON XXXX-17. THURSDAY XXXX XXXX, 2017 I RECEIVED A LETTER THAT MY LOSS MITIGATION APPLICATION WAS COMPLETED. ON FRIDAY XX/XX/XXXX I RECEIVED A LETTER FROM FAY " INTENT TO FORECLOSE '' DEMANDING XXXX DOLLARS FROM ME. FAY SERVICING HAS CAUSED ME SO MUCH STRESS AND PUT ME IN DISTRESS. I AM NOT SURE HOW FAY SERVICING CAN FORECLOSE ON ME WHEN I AM NOT BEHIND ON MY PAYMENTS AS WELL AS IN LOSS MITIGATION. I ISSUED A HALF A PAYMENT THRU BILLPAY FOR XX/XX/XXXX THRU MY BANK. FAY SERVICING WILL HOLD THAT CHECK LIKE THEY ALSO DO. I AM HOPING SOMEONE CAN HELP ME FIGURE OUT WHY I AM IN FORECLOSURE STATUS WHEN I AM NOT BEHIND ON MY PAYMENTS. AT THIS TIME I AM UNABLE TO SCAN ANY DOCUMENTS SO I WILL FAX ALL DOCUMENTS TO CFPB TOMORROW
I am a victim of identity theft. The thief has my SS, DOB and address. With this information, the thief conveniently called the credit reporting agencies and was able to place a fraud alert on my file and CHANGE THE PHONE NUMBERS on my account. I am SHOCKED that the credit reporting agencies allow a phone number that has been in use for XXXX years to be changed that easily and NONE of the agencies notified me of a change to my contact information. THANKS to the Credit Reporting Agency changing my phone number, the fraudsters were able to buy a car in my name with the Car Dealership contacting the FRAUDSTER at the number they had provided to the Credit Reporting Agency, i.e. XXXX. The credit report supplied to me by the dealership clearly states to contact the consumer at a fraudulent phone number to verify the application for credit. With increased sophistication of FRAUD, XXXX, XXXX, and Experian CLEARLY NEED A NEW METHOD of verification besides SS, DOB and ADDRESS. Perhaps a good called ID would be a good investment.
I was in the process of refinancing my house and the company doing ran a title and lien search upon receiving the report there were a number of liens one in particular is for XXXX XXXX XXXX from XXXX XXXX XXXX now she is not on the title, deed, or for that matter any mortgage loan papers now she is my wife and she can not find any paper work notices or otherwise on this matter
Ally financial calls me all day every day if there is a late payment. Including when I call them to let them know the payment will be late. It is interfering with my work at this point and if I lose my job then no payments will be made. This is harassment. In the attachment you will find today 's calls three times in a period of an hour and a half.