WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/2018, I used my credit card for a cruise payment and was not given what I paid for ; proof was provided. I received a smaller room and none of the accommodations listed in my agreement were provided. XXXX XXXX apologized and gave me a letter stating their mistake and the mishap. I provided this with Citi Best Buy, my credit card company, and they held out the dispute more than 60 days and stated the merchant never responded to the investigation ; therefore, I was not a protected consumer. Per their credit card protection agreement, they decided to selectively change the policy only for me, as the manager, XXXX, stated, and went on to say they had no way to recoup their money so it's back in my hands. That is absurd and definitely illegal. Also, after speaking with 7 representatives and managers, each gave me a different account of my experience, account of events and changing policies based on the customer. I have been given the run around about a resolution and was told I made people angry there ; therefore, it would not go in my favor.
I spoke with XXXX XXXX XXXX XXXX He berated me over the telephone requiring me to send him personal information to prove that I pay for my own car payment and that my family is not receiving outside assistance to pay the monthly payment on my vehicle loan. He demanded much more private and personal information such as my ssn and my bank account number and home address and such. This loan is for my parents and yet I am receiving phone calls over and over and harassing emails from this individual about sending him the correct information including my social security number that I refuse to give.
According to XXXX XXXX was removed from my Transunion credit between XX/XX/2017. I checked out my Transunion credit report online this morning and the collection item is reporting once again.
I received a letter from XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX indicating that I was required to reapply for Income-Based Repayment. The letter stated " We must receive your application by XXXX/XXXX/XXXX. If we do not receive your application within 10 days of this date, payment will increase.... '' The letter does not specify whether the 10-day period includes weekends. 

I resubmitted my application for Income-Based Repayment on XXXX XXXX, XXXX, within 10 days of XXXX/XXXX/XXXX ( including a weekend period ). However, XXXX informed me by phone on XXXX/XXXX/XXXX that it would not honor the terms of its prior letter and was increasing my payment for XXXX XXXX. The company explained that it had received my application and recalculated my payments but that it would not apply the income-based repayment amount to the month of XXXX. It further informed me that the only method of relief from the substantially higher XXXX payment was to apply for a forbearance.
I make a double payment to my HELOC loan each month ; one to cover the payment due plus extra for principal and one that is just put towards principal. 

On XXXX XXXX, I was notified by my bank that my payment had been refunded to my bank for the reason that my account was closed. I immediately called XXXX XXXX, the holder of the loan to inquire the reasoning behind this. They informed me that their loans were now being serviced by XXXX XXXX XXXX XXXX XXXX. 

I then called SLS, Inc. and retrieved all of my account information, set it up in auto-pay with my bank bill pay service and thought everything was taken care of. 

In XXXX, I was informed by SLS that outstanding payments were due from XXXX ( of which I have documentation that they were credited to our XXXX account ). In addition, they were not receiving payments from my bank. Although my bank had been sending them, and monies had been taken out of them. 

Sometime in XXXX as well, I was notified by my bank that SLS had refunded monies sent to them because they did n't know who I was or what account to be crediting the payments to. 

SLS has accepted several payments and I believe credited those payments to our loan, however, last week I received a notice of default. 

After many calls to them, this issue remains unresolved. I am incredibly frustrated with them and fear that their incompetence will impact my credit.
Navient /XXXX XXXX keeps reporting and damaging my credit. The statute of limitations have been passed. Also, in my credit report it have been marked as bankruptcy discharged but they still mark as derogatory and its private loans. They listed private student loans as government. As I am repaying on time with XXXX for federal loans. Navient has been ruining my life. They never sent me any validation that I owe them except for a bill from collection agencies.
I have a pending " item / credit hold '' on my CitiCard for US {$230.00} relating to a hotel stay posted on XX/XX/XXXX. The " charge '' was processed for XXXX euros at check-in on XX/XX/XXXX to cover hotel incidentals. The room was prepaid and when I checked out on XX/XX/XXXX no money was owed and the hotel staff told me my credit card issuer should let the credit hold " lapse '' in a few days as no money was owed. Based upon my experience with similar situations and other banks the aforementioned was reasonable and I fully expected the item would " drop-off '' with-in three to five business days as no charges would be processed. 

It has been almost two week and the item remains, I contacted Citibank on XX/XX/XXXX and was told the company 's policy was to hold pending items / charges open for 30 days. That seemed excessive and I mentioned that to the customer service representative and I was told that was their policy, but would " elevate '' my concern. 

I can appreciate the bank 's credit policy and the item in question is relatively small in the scheme of things. But it is the principle - restricting credit availability with credit holds for pending items for 30 days is excessive and arbitrary, especially when the onus should be on the vendor to process charges.
They have repeatedly called my work phone -- over XXXX times in a single afternoon. I am at work and need to focus on working, not answering their calls. They would call my cell phone, then my work phone, then my cell phone again, etc. This is utterly distracting and I will call them back when I am not in a work setting -- which is completely unprofessional.
I have XXXX private student loans that were sold to collection agency and I was paying thinking I was paying on both - then a received a letter from an attorney 's office wanting to collect. I called the agency that I was paying and they said I am only paying XXXX loan and the other loan was taken from their office and there is nothing they can do about it. 
What can I do - I tried calling the attorney 's office who is collecting on the loan but they never answer or call me back.
On XX/XX/2018, I went to the XXXX, NC XXXX XXXX ATM, which charges no fees, to withdraw money. I used it twice, and was told by a gentleman that I needed to request a receipt, or the ATM wouldnt issue money. As always lately I request receipt from any ATM I use due to various issues with banks, and credit unions in the past. My second time using the ATM, I requested {$40.00}, but the machine gave me {$80.00}, so when I got home I checked my account online to find the withdrawal did take out {$80.00}, instead of {$40.00} I requested, but saw two fees totaling {$6.00}, for the ATM use by PNC Bank. Its federally illegal for banks, and credit unions to do this for an outside of network ATM to double charge, and in this case the ATM charges no fees, which means they have agreements with all banks, and credit unions to not charge fees! Please investigate this, along with my other complaints about XXXX XXXX, and PNC Bank back in XX/XX/XXXX-XX/XX/2018, because I only received {$60.00} back from XXXX XXXX for an old canceled account, and no money back from being overcharged for my service in XXXX, and in XX/XX/2018 my cellular phone was turned of, now both devices do not work at all, nor my old XXXX XXXX XXXX XXXX XXXX, in which under prepaid the customer owns the devices that are free, but XXXX XXXX states they have a right to turn of equipment if service isnt kept for six months. Also, PNC has charged me overdraft fees from these XXXX XXXX transactions, before their 5 day grace period starts for me to even be able to put monies in their bank to stop fees, even when I do I still get lied to, and charged, which messes up my banking, and monies on hand! PNC Bank owes customers for the early overdraft fees, and should be brought up on EEOC charges, because it makes the customers credit with Bank terrible, and for possible employment reasons PNC Bank uses this tactic to not hire! XX/XX/2018, I have a interview call from EEOC coming up, and please send this information to them, to be used in cases I previously filed with XXXX, FTC, CFPB, EEOC, OIG, OSC, and DOJ.gov, and include me on any court case proceedings? Thank you! From : Mr. XXXX. XXXX. XXXX XXXX.
On XX/XX/2017, I purchased a brand new XXXX  XXXX XXXX from XXXX XXXX XXXX XXXX. The total amount financed was {$23000.00}, after putting {$500.00} down with a {$4000.00} rebate. I went through the normal process ; getting approved for financing which required my mother and I to provide proof of employment ( a months worth of paystubs ), signing a million documents, and eventually driving home in my brand new car. My mother lives in another state so the dealership had to send the documents in the mail for her to sign but I was still allowed to take my car home that day. They just told me that they would contact me once received, so I could come back to the dealership to get my temporary tag and pick up a copy of my executed contract. On XXXX.17, I received a call from Exeter Finance Corp, the finance company, stating that they had to contact both of our employers to verify employment and needed numbers. This clearly didnt make any sense to me since we both had already provided our pay stubs and were approved for financing on XX/XX/XXXX. Then on XXXX.17, I received a call from the finance guy, at the dealership, saying that Exeter called and said that they weren't going to finance me anymore because the income provided for my mother was incorrect. She provided her pay stubs for a whole month which were obviously accurate. I told the finance guy that this made no sense and that I would be contacting Exeter after I got off the phone. I then called Exeter and spoke to XXXX, in the buying center, in reference to my account. I explained what had happened and she argued that my mother wasnt an employee because she was receiving severance pay and wouldnt accept the documents. How was this legal since they approved my loan 2.5 weeks ago but now werent going to finance me based on ACCURATE information. After speaking with Exeter, I called the dealership back to let the finance guy know what was discussed. He wasn't available so I left him a message. The following day, I had to swing by the dealership to pick up my executed contract because they forgot to give it to me when I picked up my temporary tag. They didn't mention anything about the financing issue and I never heard back from either of them so I assumed that it was resolved. That was anything but true. On XX/XX/17, I received a notice in the mail, from Exeter Finance dated XX/XX/17, stating that they received my application for automobile financing and were unable to approve my request. This made ABSOLUTELY no sense. I was already approved for financing, through Exeter Finance, on XX/XX/XXXX. How was I allowed to drive off the lot if they didn't approve my request? Mind you, this notice was sent almost a month after purchasing my vehicle and my first payment was to be made on XX/XX/2017. I also never received a contract from Exeter Finance outlining the terms of my loan. The only documents I signed were those at the dealership. With that being said, I would like a copy of my loan agreement with Exeter Finance for my records and for review and an explanation for the denied financing.
I disputed an XXXX account that is reporting medical debt in XX/XX/2018 with Experian and XXXX. Experian and XXXX responded that the debt is verified as mine. The debt collector has not sent me notice that it was going to report to credit reporting agencies. The amount in question is {$1000.00} from a hospital. At the time that they are reporting debt I had insurance coverage through Medicaid for % 100 of hospital services. I had given the hospital my insurance information any time I had visited either the hospital or the physician that belongs to the same medial group. The only time I have had issue with billing is with the hospital. The hospital has not sent me an itemized bill or the reason insurance may not have paid for services on this account.
I had a {$300.00} credit card with XXXX XXXX Credit Card. I made repeated attempts to make a payment in full with XXXX XXXX via phone and online, but was told by representatives I had to speak to a specific department to make the payment. Every attempt to transfer me to that department was unsuccessful as it would continue to ring without anyone every picking up the line. When I would call the general number to speak to some else, they would state that I could only speak to the department they had tried on multiple attempts to transfer me to, land they did not have a direct line for me to reach someone. 

After multiple failed attempts to make payment with XXXX XXXX directly, they sent the account to collects with XXXX XXXX XXXX and tacked on fees resulting in a payment of {$620.00}. These are fees that I should not be charged as I did attempt to make payment on multiple occasions and was give then run around as to how to accomplish payment.
Approxima tely 2-3 y ears ago, I was experiencing financial hardship. I defaulted on my private student loans with Navient. I stopped paying because I could not afford to. When I was ready to start paying again, I contacte d Navient in a n effort to set right my wrong. This was appr ox. 1 and ha lf to 2 years ago now. I asked what do I need to pay today to set my accounts current and get out of default? They quoted my a very large number, I remember it was greater than {$3000.00}, but I do not know for sure as it was so long ago. I did not have this amount of money. I explained my situation and asked for more options, however none were given. The one option they gave me was to start paying my loans through a company called  XXXX   XXXX .  XXXX   XXXX  is a debt collector Navient uses to collect debt. I then contacted  XXXX   XXXX  as was told to me to do by Navient. They placed me into a low monthly payment, low-interest repayment plan for struggling borrowers. So for about 2 years now, I have been paying  XXXX   XXXX  {$120.00} per month, which is automatically taken from my account each month through direct deposit. I was under the assumption that everything is fine and that my monthly payments took me out of default and that my payments were being applied to my principal balance. Today,  XXXX   XXXX ,  2017 , I was checking my credit report on  XXXX , as I am attempting to rebuild my life and credit. I notice that for almost two yea rs Navient ha s been reporting to the credit bureaus that I am not paying each month. Each month shows a red box marked " no pay ''. I was shocked by this, since I was under the assumption that I had been out of default with Navient for a long time. I called Navient on  XXXX / XXXX /   2017  and spoke to three different people all claiming that there is nothing to be done, and that if I wanted them to stop reporting me to the credit bureau that I need to pay the entire balance of {$21000.00}. I reminded them that I am trying to fix my credit and I am paying them each month through the only option they gave me, and they simply refused to detract the " no pays '' to the credit bureaus. I am at a loss and not sure where to go from here. I am not perfect and have made mistakes, but this practice does not sound lawful to me. Please let me know what I need to do to fight this. How can someone like me, a single mother, with no assets, and no help, ever get ahead when companies like this make it almost impossible? Thanks so much.
XXXX XXXX told me they had decided to forgive the debt. They sent me a 1099C showing the full amount was that is being forgiven. However the credit bureaus are still reporting that balance as past due to the credit bureaus. If they have forgiven the debt, and legally discharged by submitting the 1099C form to me and the IRS then there should be a zero balance and this account closed.
The company name they say is XXXX out of South Carolina They keep call on different phone numbers and threatening to sue for a depth that I took out which I never did and when I ask for the paper work they keep saying that will be provided by the court. and they are harassing my family by calling my kids, my wife even calling my wife at work and a XXXX and telling all of them that I will be sued in court if they do n't have me call them back I have check on XXXX and with the XXXX XXXX and I ca n't find any information on this company so I believe it to be a harassing scam. No legitimate company know to not call work or a federal government place and harass people
Bank of America. I called bank of america to settle a debt and wanted the letter of the settlement faxed over in order to clear the debt due to the fact I am purchasing a home and it is time sensitive. They were unable to fax a letter and when I was finally able to get them to fax it, it would take 24-72 " Business Hours '' for a fax. The representative said that their supervisor did not want to take the call. They were there the whole time and refused to take the call. Spoke to XXXX XXXX, XXXX XXXX, and the supervisor who refused to take the call was XXXX. 24-72 business hours, meaning that I would have to wait the entire weekend to receive a fax is ludicrous and ridiculous. A fax takes 5 minutes to send but they refused to meet my request. Horrible experience and horrible customer service. Bank of America is the worst bank ever. Their representatives talked over me and flat out said they will not help me and were not going to do anything. Do not bank here!
I am a victim of identity theft. The following inquiries are unauthorized and fraudulent : XXXX XXXX Bank, XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX
I have a car loan through Brite Financial. I was told at the dealer that I would pay bi weekly but I am being charged weekly which is resulting in me being late every week and every month. I had this car going on three years with only a two-week balance as of right now. I informed the agents that i can not receive calls during the day only after XXXX ( 6 months ago ) and I have received at least 15 calls per week since then. Today I received 5 CALLS!!!! I already made my payment today but they call me back to back. This is presenting an issue with my work. I told several agents to make note that I ca n't have calls until after XXXX XXXX. They said they would switch me to bi weekly once I had a XXXX balance. I borrowed money twice to get a XXXX balance and I was told the only person who can change my payment frequency was off which resulted in another weekly payment and made me ineligible to change my frequency.
Noticed some fraudulent stuff on my credit reports and did n't know what to do. Call and asked around everywhere I went, XXXX, ftc, now here said to file theft affidavit. I 've tried to work with this bureau but they wo n't help. Attached is my file and let me know if you need me to do anything else.
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX/XX/XX/2018 - 30 DAYS LATE? 

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 have been making monthly payments above the minimal payment due since XX/XX/2006, but my balance has barely changed in quite some time. I have recently requested a complete payment history from Navient so I might begin my own investigation, but I am almost certain that my balance should be well below what it is at this time. 
The balance was @ {$22000.00} to start and remains at @ {$19000.00} now, which seems high after 12 years of payments.
Discover Financial Services was attempting to contact me regarding the balance on my credit card account on Saturday XXXX XXXX, 2016. During the attempt to contact me, the debt collector that was working on behalf of Discover Financial Services somehow contacted my estranged husband without my permission. Bottom line, the debt collector revealed confidential information about my personal debt to a third party that has absolutely no business concerning my personal debt. I learned this when my estranged husband contacted me to insult me. I 've never given consent for Discover to contact any third party on my behalf, let alone go as far as to tell a third party about my financial debt.. I called to complain about the incident and I sent a written complaint to Discover on XXXX XXXX 2016. In my written complaint, I requested that my complaint be escalated to the highest officer in order to conduct an investigation of the actual conversation that took place between my estranged husband and the debt collector. The phone call would serve as proof that a violation had occurred. As of XXXX XXXX, 2016 Discover has yet to respond to my complaint. I know my rights and certainly this is a direct violation of my rights and the ( FDCPA ) prohibits these types of practices. I 'm filing this complaint because I want other consumers like myself to be aware of such practices. Also, I would like for Discover and their debt collectors to be less naive in their attempt to collect information about a debtor via an unauthorized third party. In my case the actions of the debt collector caused more harm than good because my personal information was given to someone that does not have my best interest at all.
In XXXX of 2014, I had inquired about opening a personal savings or checking account with TD Bank, as my XXXX previous business accounts were closed in conjunction with a failed business. I was told that I could open a checking account, and that I would not be charged fees if the account were opened with a minimum balance of {$100.00}, which I did. As no further transactions were conducted, there was never a reason to inquire about the account. 

When I returned to the bank 1 year later, to begin making deposits, I was told that my account was closed, my {$100.00} was gone and that I owed the bank {$45.00}, even though I had never conducted XXXX transaction. The reason was that the bank charged me {$1.00} to send me a paper statement ( which I did not ask for and would prefer email ), and then promptly charged me {$15.00} a month for being under balance until the account was depleted. 

I am not against bank fees, but to deplete an entire account where not XXXX transaction was ever made is egregious at best and predatory at worst. Bank Statements are a necessary cost to the branch to conduct business in this state. Furthermore, had I been informed at the outset, I would have opted for E-Statements which do not cost money. They claim this is offered to everyone, but this was not discussed at all with me when I opened this account, and the employee who opened the account no longer works for the company. 

I contacted the XXXX XXXX XXXX branch who told me that I had to call customer service at XXXX. Customer Service told me I had to call recovery. Recovery referred me back to the branch. The branch again said I needed to speak with customer service. I am requesting that the CFPB assist in the bank investigating the matter and remitting back into my account all fees associated with the " under balance fee '', if not the {$1.00} per month paper statement fee.