WillisBack/dataset-financial-user-claim huggingface dataset:
I fell for a well orchestrated sale pitch by a group called " It 's Just Lunch '' and let them charge {$2800.00} on my Barclays Bank credit card. When I soon realized it was a scam ( 8 days ), I called Barclays Bank to dispute the charge. I mentioned that this company was the subject of a class action suit for scamming others like they did me. Barclays waited 30 days and came back with the lame excuse that they could not take sides in this case and they could not dispute the charge with the merchant. I sent them an email to cancel my card. They turned around and added a {$75.00} annual fee and charged me {$50.00} for a late fee ( 4 days late ) for not making my payment on time. The whole thing cost me {$2900.00}. I can not believe this bank is allowed to operate in our state. I 've spoken with XXXX the Attorney General 's office ( XXXX ) and they are also reviewing the case.
My SSN, DOB, full address, DL number and Credit card numbers have been stolen in a breech at Equifax. The company never contacted me to let me know.
Over 10 year period, Navient has been charging incorrect, higher interest percentages on both my Federal and private loans. After speaking with a representative with the CFPB on XXXX XXXX, XXXX, it was discovered that I also qualify for most of the charges the CFPB issued in their lawsuit filed in XXXX XXXX. In addition, there are the charges with the lawsuit the CFPB filed against XXXX XXXX XXXX in XXXX. There are additional charges that related and or linked to show cooperative, illegal and unethical practices between Navient and XXXX XXXX XXXX. I have spent years on the phone with XXXX/Navient being on hold for thirty plus minutes at a time ( one phone call I was on hold for almost an hour and a half, records of some of the calls were recorded as evidence ). In addition, Navient associates transfer calls to other departments and or associates who were not requested. They do every single time a customer calls them. This occurred again on XXXX XXXX, XXXX between XXXX and XXXX CST. At one point, I was on hold for over 45 minutes waiting for a supervisor. Another associate, not a supervisor, then picked the call up and proceeded to put me on hold for another twenty plus minutes. When a supervisor finally did come on the line, identified as XXXX XXXX, he refused to deal with the hold issue, refused to let me speak with his supervisor, who he identified as XXXX XXXX, and then hung up. Attempt to reach XXXX XXXX were unsuccessful, as I was told no one could find this individual in their entire system and going through multiple departments. One associate, identified as XXXX ID # XXXX, admitted that placing customers on hold for unacceptable amounts of time and transferring them to other departments and individuals was part of Navient 's policies and guidelines. XXXX also confirmed that the charges that were brought up against Navient by the CFPB were also part of Navient 's policies and guidelines. I was never able to reach XXXX XXXX after spending two hours and twenty six minutes on the phone with Navient associates.
Someone incorrectly used my email address when they signed up for the Xoom service, now I am receiving copies of their transactions that go through via email. I called Xoom to have them remove my email address from the account in the name of XXXX XXXX XXXX, and they assured me they would, but I just received another set of transaction details. This is a violation of XXXX 's privacy rights. I have records for two of the transactions XXXX on XX/XX/2019 and XXXX on XX/XX/2019.
The basis of this complaint is that the loan transfer was improper invalidating Selene as the servicer and whomever the owner of the loan is at this moment. The ONLY reason the loan has now been transferred multiple times is to insulate the initial failure that has led to foreclosure proceedings and that situation was very straightforward. The previous servicer, XXXX XXXX XXXX, failed to process my insurance, refused to process my insurance and instead improperly applied my payments essentially forcing me to stop paying as the full payment amount was going toward their improper escrow, fees ... My mortgage documents clearly state how payments should be applied which they violated the original loan agreement and refused to take responsibility for doing so. 

It would then appear that XXXX  realizing their mistakes, began the process of transferring the ownership and servicing. They began with a loan assignment created by them and assigned the ownership of the loan to themselves utilizing MERS but yet MERS had the loan listed as inactive during that time and all of this seems very shady at best. Then a month later they assigned the mortgage to XXXX  XXXX  and when inquired, I did not get a response from XXXX, instead got a response from attorneys which is a logical red flag. We however have to back up further because neither Selene or XXXX  XXXX XXXX, or basically anyone can provide documentation for XXXX XXXX XXXX XXXX role in the servicing, there are no servicing documents showing basically that XXXX has any role in this at all and if they can't show they have a role then they couldn't have properly assigned the loan, not quite sure how someone can prepare and assign a loan to themselves anyways, but this simply brings into question how Selene can have a legitimate role in the loan at this point. 

Now I'll tell you why this was done. The mortgage 'players ' have figured out how to exploit the court 's frustration with foreclosure proceedings and the players realize that if they create separation from things like that bad assignment and servicing issues like not processing insurance, that the courts don't want to look back like that, they want the 'here and now ' only and not explore why someone would stop paying, only the if and once controversy in servicing occurs, they pass the loan onto to someone else to appear in court that everything is nice and orderly ... This is why the loan went to XXXX, then I think to someone else, now to Selene which it's all hard to keep track of which is precisely their point and reason for such transfers. 

So again, the basis of this complaint has NOTHING to do with the most recent assignments, it has to do with Selene not being able to provide initial XXXX  XXXX XXXX servicing documents which then brings into scrutiny all of the assignments and the current ownership and servicing ... 

I should add that every bit of this is extensively documented so just let me know which documents would prefer as I have thousands of pages of documents ...
Received a call from Premium Assets Services about a very old account that they wanted paid from a Jewelers. I was told that they wanted to have this account closed by the end of the year and whatnot, I told them I had no way of paying it. They threatened to take legal action and was very verbally abusive after I asked them to not call my Mother 's residence. XXXX XXXX was the joke of a man that I was speaking with, and started saying how well your Mother thought she was raising a good citizen, but obviously that 's not the case here. I am furious and my Mother is elderly and sick and does not need this whatsoever. I am a grown adult and my finances and money troubles are my own.
I was supposed to receive XXXX skymiles and {$100.00} statement credit if I spent {$1000.00} in 3 months. American express has said I have met all the requirements but will not credit my account. They keep telling me they will research the problem. I met the requirements on XX/XX/XXXX. They say it takes 6-8 weeks after that and it has been 12 weeks. I have called several times and they just say to call back and check later.
XXXX XXXX XXXX XXXX appears on all 3 credit reporting agencies showing different balances, same balance, different dates, same dates, XXXX balance, and also showing closed.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   2015  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I opened a Navy Federal account with a former roommate who sponsored me who I no longer live with. I'll come back to that later.

I had XXXX in personal loans taken out on my credit and deposited via ACH into my Navy account. On XX/XX/XXXX I requested a large amount of cash withdrawal to use these funds for my personal use ( hence, personal loan ). Navy then flagged my account and froze my funds without warning, without anything in writing and left it frozen. They refused to give me a reason or anything in writing or email. They only sent a form to appeal. What am I appealing? Their answers were very very vague and changed from one person to another about verifying my identity.

I have alerts on all 3 credit agencies due to a past ID fraud on my social. This is fine if that caused a flag to verify. I then emailed all documentation to prove it was me and they still refused to let go of my funds. They never spoke to me with a clear reason and never once did I receive anything in writing.. They illegally froze my funds and then after 15 days they told me " We can't verify and you need to go pick up your balance in person at the branch via cashiers check ''. Fine. I then returned from vacation to visit the branch and they still had {$50000.00} held back. I then found out without my permission they sent back the money to the loan originator ( one of the 3 loans, so why not send back all??? ). And only after I called the local police did they agree to release to me the remaining {$29000.00} in my account via check. The entire ordeal made me miss payments, rack up late fees and have returns on my account for no reason. I provided all appropriate information and they still handled my account however they pleased with total disregard to policies and informing the client of anything. They did whatever they wanted to me even with all verified paperwork. 

I am going to join a class action lawsuit seeing how Navy has a large history of mishandling accounts just as they did mine. They were extremely unprofessional and only at the end did they say one reason they froze it was my former roommate told them we don't live together anymore ( you need to be sponsored to open an account ). So what! If they no longer wanted my accounts open due to THAT they should have still told me in writing and then released FULL FUNDS back to me. They abused my account and as I said I had the police arrive at the branch before I was able to retrieve partial funds back all because I asked for cash. The remaining {$50000.00} will be sent back to me via my loan issuer ( because they are professionals ) but this can not go without consequence to Navy. I am willing to prosecute by any means necessary.
I did not know of predatory lending and was given a loan even though my income was not enough to cover the monthly payments and sustain daily living expenses. I have paid {$400.00} a month for 2 years and still owe the same amount in which I purchased the car for. I was also asked to pay a {$2000.00} down payment and it was not applied to car.
This account does not belong to me. I have no idea where this came from but this definitely is not mine.
They call every day and threaten to call my employer 's payroll department and take legal action or serve me with papers. they call my cell phone and/or work phone. They do not identify the debt nor Have I ever worked with this company before. I did not receive any written notification in the mail from them with information on this debt they claim I owe. 

They also call my mothers house every day on her home phone and tell her she has a bad check and needs to pay or they will serve her with legal action. My mother does not even write checks except for her rent/electric. She has not bounced a check in 10 years or more probably. We do everything online. 

I currently live with my mother but never list her home phone on anything.
I have to continuously have my loan payment allocation corrected by calling or emailing customer service for XXXX XXXX. I have decided to end my auto-debit to see if that would make the payment easier, but it 's worse. Without auto-debit I have no way to schedule payments ahead of time, there is no option for scheduled payments with manual payments. I also do not have an option to have my extra payments go towards my principal loan balance. These extra-payments either advance my due date or go towards the next month 's payment. I have repeatedly told them in both emails and phone calls that I do not want my payments applied this way. This does n't seem to help, I still have to call and email to have it fixed. This was not a problem until XXXX transferred my loan to XXXX XXXX
At the end ofXX/XX/XXXX, I submitted my annual recertification paperwork and required supporting documents. I checked off the box asking to be changed to a different loan repayment plan if there was one available with a lower monthly payment. I was then notified at some point that there was a different plan with a lower monthly plan. It was never explained to me that switching plans could take multiple months to process and in that time I could not make qualifying payments, or that I had the option at that point to cancel my request and stay with the same plan. I have not been able to make a qualifying payment towards the public service requirement for XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX. I have made multiple phone calls to ensure that they have everything they need, to find out why it is taking so long to process. Every representative I have talked to has given me different information. I called on XX/XX/XXXX after receiving an email on XX/XX/XXXX, that my payment for XX/XX/XXXX would be over $ 3k. the Representative I spoke to at that time told me they would submit my forms for expedited processing and that they did not know why my application was so delayed. I spent 45 minutes on the phone with them. I called again on XX/XX/XXXX to check the status of the expedited processing request had happened. I spoke to a supervisor who informed me she would send and expedited request, because the representative on the XX/XX/XXXX did not do so. I called again today and the process still had not been completed.
VIOLATION OF THE FINANCIAL PRIVACY ACT : On XXXX at approx. XXXX XXXX CST XXXX XXXX inquired with US BANK about her student account not having any money within it. It seems that US BANK pulled {$630.00} from her account and paid off my * ( XXXX XXXX XXXX ) XXXX XXXX  XXXX account ending in XXXX. 

XXXX called to ask what happened to the money and to see if they would refund it back into her account, and spoke to XXXX. She kept telling XXXX that " your mom is behind on her payments '' and " it's legal for them to remove the money from your account, since your mom is a signer on your account. 

When XXXX let her know that she wanted to close the account and expressed the huge disappointment that he account was now - {$21.00}, saying that US BANK hurt her by removing ALL of her money. XXXX VIOLATED the FINANCIAL PRIVACY ACT divulging to XXXX her mom 's PERSONAL BANKING INFORMATION. 

She told XXXX that " YOUR MOM IS {$21000.00} PAST DUE ON HER BILLS ''. XXXX knew that I was in a Debt Settlement program, but I want to KEEP IT CONFIDENTIAL the amount that I owed. XXXX VIOLATED MY PRIVACY RIGHTS by letting my daughter know that I am behind over {$21000.00}. 

This has put a great deal of stress on our relationship and embarrassed me, in front of my daughter. This made my daughter see my differently and caused us both XXXX, XXXX and a great deal of unwarranted STRESS. 

I spoke to XXXX, the supervisor at US BANK< letting him know that I wanted to speak with their legal department about this breach of information. He told me that " XXXX '' was XXXX XXXX Supervisor. They let me know that the conversation was recorded and action would be taken to review the tape and discipline XXXX. 

I asked to have the legal department get in touch with me, to settle this matter. I am going to consult with my attorney about the breach of my rights away. 

Please help me in filing a formal complaint in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I moved out of XXXX six years ago ( XX/XX/XXXX ) and closed all utilities accounts upon moving. I have had no calls, emails, or communication of any kind from XXXX ( utilities service ) or any collector since ... I come to find that they have opened a collections account XX/XX/XXXX for XXXX with " Transworld Systems Inc, '' another company I have not heard at all from.
I paid more than {$60000.00} in student loans that I cosign for my daughter college and now out of the blue the American Education Services claim that I still owe them a {$19000.00} outstanding student loan so I ask the company to send a documents showing my signature on this loan, they fail to do so, they never send me a documents showing that loan, it 's been more than two months since I ask this company to send me this documents, and they can not find any documentation for this loan yet, and in the mean time they keep sending a bill I 'm paying the bill every month to keep my credit in good shape,
Transunion, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Ms. XXXX, in 30 days and or til date, despite Ms. XXXXs repeated requests. Second, Ms. XXXX requested Transunion to provide the method of accuracy & verification used by Transunion pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Transunion remains non-compliance till date. Third, Ms. XXXX requested Transunion to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Ms. XXXX. Hence, Transunion again went silent.
On XXXX i was contacted by phone by XXXX financial group.They said I owed them {$880.00} from a debt that was given to their office in the year XXXX to collect. The original debt was for a payday loan from the year XXXX from Advance america in XXXX XXXX california. the loan was for {$300.00}. I asked for them to mail me documentation and she said they were in the process of sueing me for this debt and there wasnt time to mail it. she suggested that they email some info to me. I got the email and it said i need to contact them by mail within 30 days. They had told me on the phone that they were serving me court papers if i didnt make payment arrangements. i told her that the original debt was only {$300.00} and she told me there were legal fees. I know theres a statute of limitations in california of 4 years on debt. i believe XXXX know this and are illegally trying to collect this debt and im real worried there gon na get a judgement against me without me knowing. please help this debt is almost XXXX years old. i reached out to advance america when i originally fell behind and they refused to work with me with payments. I had not heard anything from them since, til now. They are trying to get a judgement against me for and amount i do not owe for a debt that is 19 years past statute of limitations.
My loan was transferred from XXXX to Navient in XXXX. I set up automatic payments through my bank utilizing the information Navient sent to me. My bank has made two monthly payments sent XX/XX/XXXX and XX/XX/XXXX. The 1st was returned to my bank XX/XX/XXXX stating I had the wrong account number. I sent with loan # instead of account #. I corrected the information for the second payment which they received and did not apply to my account. I contacted them and sent them additional information and they can't seem to locate whose account they applied my payment to. I submitted additional information reference the payment and they advised that that was not enough information to locate my payment they needed more but when I asked what they needed they stated a copy of my statement. The information had their bank transaction number on it. The second payment they just sent back two weeks after I paid them stating again that the account number is wrong even though I contact them by phone with the same account number. They then requested i pay them the outstanding amount that they lost and the money that they just sent back over the phone to them. I have no problem with paying them what I owe them but they have made no effort to locate the payment that they have received and discouraged me from sending them a paper check. I lack confidence in them actually applying a payment to my account correctly. I mailed them the second payment the first payment is pending further investigation by my bank. They have also tacked on late fees to payments in which they keep sending the money back.
On XXXX I took out a loan with this company in the amount of {$XXXX}. They led me to believe that I would be making a monthly payment not every payday. They also did not provide the APR rate to me which turned out to be XXXX. This in itself is outrageous. But what really set me off was when I called customer service and spoke with XXXX on XXXX, simply asking what my account number was ( which was not anywhere on my online account either ) was told after being on hold for a very long time that they were unable to provide me with this information. What legitimate company can not provide you with your account number?
Several of the accounts in dispute is where I was an authorized user. The primary is deceased and yet it still shows on my credit reports. Also several accounts are not mine.