WillisBack/dataset-financial-user-claim huggingface dataset:
The company that I want to file a complaint about is Navient. Navient took over XXXX XXXX student loans while I was still attending college. Out of all of my private student loans they are by far the worst company and are unlawfully using deceptive debt collecting practices. 
I have no forbearance left and I am currently recovering from a major XXXX XXXX and I still need to get the other hip done as well so I am unable to work at this time. I have explained my situation to Navient and they would not help me the lowest they would go for my two loans was XXXX dollars a month after i told them I am living under one income and living paycheck to paycheck of my husband 's income as well as my cosigners who are my grandparents both widowers and living on a low fixed income. 

Navient for months has been harassing myself and my family at all hours of the day 7 days a week and from all over the country. What really concerns me about this company is what I recently found out. Within the past few weeks, my uncle 's new wife ( so no connection to myself anywhere ) and my father-in-law ( who also is n't listed in connection to me on any of my social media sites etc. ) have been called from the same woman who goes by XXXX who works for Navient phone number XXXX extension XXXX. I have no idea where and how they are finding these people and their contact information but they call and completely lie about their identity. She has called and said the same story to both people. The story she gives is that she is looking for me and that we are working on a project together and that I have the people she contacted unlawfully listed as my associates. When my father-in-law called and told my husband what happened he gave us the number and we called it and it says thank you for calling Navient. Plus she left her extension number so, it concerns me that they are basically giving or would give private information to parties that are not associated with the loans they have in my name considering she left ways for them to reach her. 

What this company is doing is completely illegal, the entire above situation is the epitome of deceptive debt collecting practices, which I read about in the Fair Debt Collecting Practices Act on the FTC website. What is concerning about this deception is not knowing where and how they are finding these people and contacting them, lying about who they are as well as if they called back and see that it is indeed Navient, what would Navient do? Would they take money? Would they give away private information? The questions and concerns are endless. So not only is this company lying about who they are as well as contacting people that are not associated with this loan they are taking harassment to the next level, they never stop they are ruthless and something needs to be done to stop this company from abusing consumers like me. I would list phone number but they call from all over the country so we never know what is the right number etc.
I filed chapter XXXX non asset bankruptcy in 2013 and some creditors still remain in my credit history as negative when should not be there. I have written letters and still no response
I received a escrow surplus check from my previous lender ( loan was sold to current lender ) The check I received was for roughly {$4000.00}. Now my new lender has sent me the results of my recent escrow account analysis stating I have a shortage relatively close to what the check was I got in the mail previously. I received documents in mail of my expected payment. This will cause me financial hardship due to the unexpected {$300.00} added to monthly payment to make up for shortage. The check received was used for home repairs/improvements and other expenditures. This is my first home, I am learning as I go of the home purchasing process, with that said I feel like something was not done correctly in my situation and that has caused my financial hardship. How is it possible that my escrow account was basically emptied with no regard to what that would lead to in the future of my account. I was not cautioned or assisted in what this large amount of money withdrawn from my escrow account could be needed in the future, which is now.
I had an account with us bank with my insurance payment being automatically deducted. I cancelled my insurance because I had I got a job that offered insurance. I also changed banks but did not close my US Bank account as I wanted to make sure everything was setup with my new account first ( bill pay, direct deposit, ect. ). Unfortunately I did not close my account and stopped paying attention to the US bank account. Due to a mistake by XXXX XXXX of Idaho they continued to bill my US bank account for 4 more months. A few months later when I finally realized what had happened I called US bank to see what I needed to do to resolve this issue. Us bank said they wanted XXXX check for every withdrawal and they still would not reverse any overdraft fees associated with the charges. I have been working with XXXX to get the money back but in the process US bank sent me to collections. My problem is that US bank charged me over XXXX in overdraft fees, extended overdraft fees and account closure fees. The ability for a bank to charge {$25.00} a week in extended overdraft fees for 6 weeks and {$36.00} for an overdraft fee on a XXXX overdraft is more then excessive. Now the bank says they can not do anything about it because is was sent to collections already. I have talked to multiple departments and even filed a complaint all the time being told there is nothing they can do to fix it.
On XX/XX/, I deposited {$5000.00} into my Coinbase account. On XX/XX/XXXX, I attempted to withdraw the same {$5000.00}, but was only allowed to withdraw {$3000.00} without further identity verification. I attempted to verify my identity, but Coinbase 's third-party verification system " could not locate my ID. '' I contacted Coinbase on XX/XX/ and was instructed to attempt different variations of my personal information. After many more attempts this was also unsuccessful. I again contacted Coinbase on XX/XX/ and explained that I continued to have issues with their verification system. I further explained that this was mostly likely due to my status as a XXXX XXXX XXXX since my personal identifying information has been blocked/removed from public records. The only solution Coinbase provided was to keep trying. My identity will never be able to be verified using traditional third-party methods and Coinbase is holding my funds hostage without providing an alternative verification method.
Due to identity theft my credit report has been compromised. I have numerous amount of unauthorized credit inquiries that's on there. In accordance to the FCRA, I'm requesting that the following inquiries are removed at once. 

1 ) XXXX XXXX ( XXXX ) 2 ) XXXX XXXXXXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX ( XXXX ) 6 ) XXXX ( XXXX ) 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) 9 ) XXXX XXXX ( XXXX ) 10 ) XXXX XXXX  ( XXXX ) 11 ) XXXX ( XXXX ) 12 ) XXXX XXXX ( XXXX ) 13 ) XXXX ( XXXX ) 14 ) XXXX XXXX ( XXXX )
I called Discover Bank to inquire about closing a Certificate of Deposit and the security representative asked me several " security '' questions about people I do n't know that are related to my ex-husband ( divorced 25 years ago ) but not to me. When I could not answer these questions they froze my accounts without telling me they were doing so. They did not send any notification to me by mail or e-mail that my accounts had been frozen or any notification that they suspected my accounts or security information had been compromised or that anyone had inquired about my accounts. So if someone really had tried to access my account, I would have never heard about it. They told me these questions were taken from Public Records. Presumably they are getting random information from web sites like XXXX and XXXX and using these for security. None of the questions were questions that I had set up as private security questions when I opened the account. Basically it seems to me that anyone who acquires public records information from one of these web sites can get access to your bank accounts at this bank. After some significant inconvenience, I was finally able to get my money, but I will not bank with Discover again since their security is extremely questionable if not downright fraudulent. I 've read that mining of public records data by banks is common practice now. I think this makes our money less secure, not more secure and is of no service to the customer.
I made a deposit a check into my account at Bank of America, the check is drawing from the same bank. That was on Saturday 1XX/XX/XXXX. Normally it is available the next buisness day except this time costumer service at Bank of America informed me on Monday the XX/XX/XXXX that it will be held till the XX/XX/XXXX and I know from the person that that paid me the check the amount was taking from his account on the XX/XX/XXXX.  Bank of America makes rules as they see fit their bottom line, their employees are useless and can not justify their time when they take a call with knowledge of any aspect of customers complaints
My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX XXXX
I started to apply for a refinance with Key Mortgage Services, inc. they ran my credit report, and afterwards they said, I could qualify for this loan. The reason I wanted to take out the refinance, is to make my 30 year mortgage to a 20 year. The loan officer told me that they want to check on the {$7500.00} dollars that was given to me from the government, when I closed on my condominium, the 1st time 2 years ago that I bought it. The loan officer XXXX XXXX, asked me to find my Hud 1, I could n't find it at the time, however I found my good faith estimate. I told her that it was on the estimate. So then she still could not find out. I had before all of this came about, given her {$450.00} for the credit report and appraisal fee. I found out that the payment from her would over extend me. I told her to cancel the appraisal. She then told me that I can not get the money back, because I signed a credit card statement, which said non refundable. I never noticed that because I have been working a lot of hours, and was doing this from work. All this company called Key Mortgage Services XXXX XXXX XXXX. XXXX XXXX XXXX, il. XXXX. Did nothing for me but just kept my money and I was told even thou the appraisal was not done, they would not give this money back to me. I should not be charged for a service that was not rendered. No appraisal was done. She said she emailed her supervisor, and they said I could not get this money back. I have filed a claim with my credit card company XXXX XXXX XXXX. I am a single mom, and know this is wrong to collect on a service appraisal that never happened. After all of this, I yelped them, and noticed many situations that the same thing happened to other people. Please help me get my money back. This is horrible customer service, she as a loan officer should have disclosed important things. I told her that this is so unprofessional, and stealing from people. I really appreciate your investigation in this matter. Feel free to XXXX them. The only reason, I did not XXXX them in the beginning, is because a friend of mine recommended me to the company. My friend also lost her money, however after the appraisal, they told her that she also got the government assistance of {$7500.00}. Please keep me informed, they are money hungry out for themselves. 

Thank you. 

My email addess is XXXXXXXXXXXX My phone number is XXXX.
See attached documentation.

Summary :XX/XX/XXXX - Made a {$500.00} purchase online - 6 months / no interest.

XX/XX/XXXX - Received {$20.00} credit ( promotional offer for using card )XX/XX/XXXX - Made a {$2000.00} purchase online - 14.9 % interest until paid off XX/XX/XXXX - 15 minutes later, called Customer Service to see if transaction could be voided as I decided to use a 0 % offer from another card. Confirmed charge voided and I would not be charged anything, and that it would show as a debit and a credit on my statement.

XX/XX/XXXX - {$2000.00} credit for XX/XX/XXXX transaction posted.

XX/XX/XXXX - Automatic Payment of {$80.00} credited to account which was deliberately set so that the {$500.00} from XX/XX/XXXX would be paid in full within 6 months.

XX/XX/XXXX - {$2.00} interest charged in errorXX/XX/XXXX - Contacted Customer Service via online messaging portal to advise of error.

XX/XX/XXXX - Received response from Customer Service that did not address issue at all. Was not notified via email of the response, so did not see until XX/XX/XXXX.

XX/XX/XXXX - Automatic Payment of {$97.00} credited to account instead of the authorized {$80.00}, in accordance with terms that adjust payment to the minimum due if it is less than the automatic payment amount. This was done in error.XX/XX/XXXX - Replied to Customer Service.

XX/XX/XXXX - Sent additional message to Customer Service after I realized that the mistake made was that the {$2000.00} credit was credited in error to the open transaction from XX/XX/XXXX instead of the {$2000.00} transaction from XX/XX/XXXX. This was likely due to how the automated settings are handled when applying payments. At this point it was obvious that a human being needed to manually make the adjustment. The process is simple for anyone with proper training.

XX/XX/XXXX - {$4.00} interest charged in error XX/XX/XXXX - Received response from Customer Service stating that the matter had to be escalated to the Corporate Offices.

XX/XX/XXXX - Filed CFPB complaint as no action has been taken by creditor.

XX/XX/XXXX - Confirmed account online states : Your next Auto-pay Amount of {$80.00} will be processed on XX/XX/XXXX. However, based on XX/XX/XXXX error, will be automatically changed to {$97.00} without notice or authorization from me. This will be an error.
I signed an agreement showing the payments and payment dates. The loan was to be paid in full with the last payment being XXXX/XXXX/16. That is what was stated on the loan agreement that I electronically signed. I checked my account on XXXX/XXXX/16 in the morning and the loan agreement on the site still stated XXXX/XXXX/16 as the last payment. By later that afternoon the agreement on the site was changed to show the last payment is XXXX/XXXX/16. They changed the agreement without my knowledge, consent or any notification. I feel this is at the least morally and ethically wrong, if not legally wrong. Can you help me?
I have never had any loan from this company. I would like the paperwork sent to my home to have a better understanding of what this is about. I dont appreciate this company putting this on my records when i have never received one call or letter in the mail from this company. XXXX
I received a letter from a collection agency, XXXX XXXX XXXX XXXX XXXX to collect on a school loan for the United States Department of Education. This is the information I received : Reference No.  XXXX Principal Bal. {$20000.00} Interest {$46000.00} Collection Chrg {$11000.00} Total due : {$78000.00} I've attached a copy of this letter to this correspondence. 

I'm a bit in a panic state about this. 

I'm XXXX years old, on a pension and social security. 

A little history : I went to the University XXXX XXXX XXXX back in XXXX and graduated in XXXX. My only recollection is that my dad took out a loan for my college education. In the XXXX plus years since my graduation, I've never received a bill from the Department of Education regarding this loan. My understanding is that my dad took out this Federal Loan on my behalf. I'm almost 100 % sure I was not on the loan at all. My parents were always going to pay for my education. It's been over 40 years and I can't say for sure, but I don't recall ever receiving information about this loan until now. 

My name is currently XXXX XXXX. The letter came under the name of XXXX XXXX XXXX XXXX which was a previous married name that I haven't used in 29 years. 

My maiden name at the time I went to XXXX was XXXX XXXX XXXX. 

I'm very afraid of contacting this collection agency directly since I've read their collection efforts are ruthless. I'm not sure where they got my name and my mailing address since I just acquired this mailing address about 6 months ago. 

I've worked very hard to obtain a XXXX credit score and I'm so afraid they will report this debt as a defaulted loan after XXXX years. 

If it is discovered that I, in fact, was the primary borrower, I will do whatever is necessary to resolve this without the interference of a collection agency. At this time I feel helpless because I have no idea about the details of this loan. 

I would be forever grateful if you could advise me as to the next steps I should take to resolve this matter. 

Thank you in advance for your assistance. Please contact me as soon as possible as I feel very uncomfortable about this whole situation and I don't want my credit ruined. Thank you again. 

XXXX XXXX XXXX XXXX XXXX
I have had a very difficult time with Bank of America. I have been trying to get a loan modification for the past year. Bank of America is refusing to let me be reviewed for a modification based something that happened 11 years ago. When I got this loan I went through Countrywide. At the time I did not know how fraudulent they were. Bank of America is stating that because of something that happened on the origination on this loan, I can not have a loan modification. I dont even know what it is, and Bank of America will not tell me.

Countrywide was a very criminal and fraudulent company. In my opinion, they were a major cause of the mortgage crisis. My loan officer lied to me and mislead me on several occasions. By the time I realized this I lost a couple of homes to foreclosure. They were a very very bad company.

I am now being held responsible by Bank of America for the criminal activity of Countrywide, and I believe this is unfair!

I am not a loan officer, I am not sure what he did!
On XX/XX/XXXX I filed a dispute requesting validation and asked for conformation on how the bankruptcy information was verified. On XX/XX/XXXX I received an email from Equifax stating my dispute was completed. The letter stated they verified the bankruptcy information through there third party vendor XXXX XXXX. I have a letter from XXXX XXXX stating my bankruptcy information was deleted from my report with them. I called Equifax XX/XX/XXXX spoke with a representative and asked how my information was verified with XXXX XXXX when that information was not in their system the rep stated they dont use XXXX XXXX and said they verify through the courts, I then asked if they called the courts, went to the court house and asked for who they verified the information with, the rep stated she cant tell me, I asked for a supervisor, I then spoke with XXXX who state the courts sends them the information electronically I then asked why my letter stated they verified it through XXXX XXXX the supervisor could not explain why he was giving me different information.
O n  XX/XX/XXXX , I wrote to Equif ax to let them know that a lien going back to  2001 still re mains on my credit report. I also let them know that  XXXX  and  XXXX  had already removed this lien which was showing beyond the maximum period of 7 years.   Equifax never responded to my dispute and the lien continues to show on my credit re port four mont hs later.
On XXXX XXXX, 2016, I called American Express asking them to downgrade my account to a no fee version. They told me that it is not possible but offered to open a new account. I was reluctant because I thought it would result in a hard inquiry on my report. The agent assured me twice that there will be no new hard inquiry on my report. Our call was recorded. Before I gave her my authorization, I double checked that there will be no hard pull and she confirmed. Today, on XXXX XXXX, 2016, I have checked my XXXX credit report and found out that they placed a hard pull. This hard pull was obtained without my authorization. I asked them to remove it but they refused.
BAIT AND SWITCH. Barclays lured military members into signing up for a credit card by waiving the annual fee while on  XXXX   XXXX . Then once established as a customer they imposed an annual fee of {$1000.00}.
XXXX  -  XXXX  Tried to get late payment off of  TransuUnion  credit reports record because this account has been closed as a charged off for years and I am not liable.
this is an account for {$470.00} medical bill that was covered by XXXX XXXX because I did n't have insurance and it was suppose to be 100 % covered. it was investigated by the Credit Bureau 3 years ago and removed and then it showed backup on my reports a few moths later.
I noticed an account from Procollect on my credit report on XXXX/XXXX/XXXX I have never received any communication from this company regarding this account. I contacted this company on XXXX/XXXX/XXXX and was advised of 2 accounts in their office I was told I could n't pay one without paying the other. 

This account should be removed from my credit reports immediately
I paid a portion on my XX/XX/XXXX payment of {$150.00} on XX/XX/XXXX. I called on XX/XX/XXXX to pay the remaining of my XX/XX/XXXX payment of {$250.00}. In total my payment is {$400.00}. I noticed that it was stating that I still owed {$150.00}. I call a representative on XX/XX/XXXX and stated the {$150.00} should have gone to my XX/XX/XXXX payment. She said she was reapplying to the payment so it would all be taken care of. Fast forward, one week later, I noticed it stated I still owed {$150.00}. I called again XX/XX/XXXX, the representative stated that she would also reapply my payment of {$150.00}. I asked how long would it take to see this change on my account. She stated two business days. Well here it is XX/XX/XXXX. My account is still showing I owe {$150.00}, along with late fees now. I've called numerous times. Every time I call, I get an automated recording stating they are experiencing high call volume at this time and the lines are busy or that their system is down. I've submitted 3 complaints online through my account. I've received 0 responses.
Our loan was with XXXX Mortgage - did n't verify income - loan agent told me to use any $ $ - after a couple of months - I could see loan it a " BAD LOAN '' tried to refinance but home was n't worth as much as the what we owed on loan. Sold to XXXX - Then to XXXX -In the middle of working with XXXX - loan was sold again - SPS is now the collection service company - I was told XXXX XXXX now owns the loan! 
I have been working with SPS since 2011 to get a loan modification - principal reduction - Well, I have gotten so many different stories as to what can be done or not done! 

We are trying again!