WillisBack/dataset-financial-user-claim huggingface dataset:
I have recently contacted Campus Partners to discuss available options regarding my monthly payment. While I am current on my monthly payments I explained my current financial situation and my concern to fulfill my future monthly obligations. Ultimately, I expressed my intentions to be proactive prior to accumulating missed payments in the future then continuing to fall further behind. Each representative had expressed similarly that they can appreciate my effort to reframe from missing future payments, yet there are no additional repayment options available for me. They continued to explain that if I was currently 31 days or more past due other options would be available at that time. If they are capable of offering other payment options after 31 days past due, they certainly can make those same options available to those that are struggling to avoid late payments. Therefore, after different attempts to voice my concern with various representatives, Campus Partners will still not provide me with an alternative repayment option to avoid missing payments due to my financial situation. 
Since graduating in 2013, each of my federal and private student loans has now transferred to repayment status. I have continued to place my federal loans in forbearance in order to afford the private loans and other monthly expenses. After graduation, the income I accumulated from my employment was insufficient to pay for each private student loan I acquired over my collegiate years. Therefore, I was compelled to utilize the brief forbearance period allowed which is no longer available. Over the last few years, I have been blessed to obtain advancements in my career, which have generated increased wages. Even though my income has increased, the payment obligation for each monthly expense and student loan continues to exceed my total monthly income. Currently I receive about XXXX a month after taxes. My total expense which include current student loans being repaid is about XXXX. If I forgo other monthly expenses and limit my grocery/personal budget, the total expenses could be reduced to about XXXX. Even if the forbearance option was available, I would prefer not to delay my obligations. In conclusion, I would greatly benefit from lowering my monthly private student loan payment.
Have been getting call from NORTHEAST COLLECTION BUREAU claiming that I owe {$650.00} to XXXX XXXX XXXX ( NJ ) where I lived before ( 9 Years Back ). I have repeatedly asking them to send the details of bill and they ask me to contact the XXXX XXXX XXXX directly, giving me the reference number XXXX. I contacted them but they could not trace the details. Today they have threatened me for legal action, if I do not settle the bill. I have paid a settled amount of {$470.00}. I am not able to verify the credibility of this debt company and not sure if these charges are valid
I received a call on XX/XX/XXXX at about XXXX from a representative for Evergreen Financial services named XXXX XXXX. XXXX told me that the payment was in default and she needed a payment in full. I told her I don't have the full payment, I have the {$190.00} we originally agreed upon. She insisted that i needed to make a payment in full ( which was a lie ) and asked if I had a credit card. After another exchange of words she asked if i could make a {$200.00} payment. I told her if that's what she needs, then I guess so. I gave her my debit card information and she process the payment with the confirmation # XXXX. Ask for her name and told her I was reporting her. Ms. XXXX 's unprofessional behavior and communication tactics are harrasing, misleading and hurtful.
My private student loan defaulted ( XXXX months no pay ). These XXXX months were not under a deferment, grace period, or forbearance. However, Sallie Mae will not report that the account went into default so it remains on my credit report. It has been over 7 years. The period of default was XX/XX/XXXX to XX/XX/XXXX.
Greetings, We are in a Foreclosure of our home which we have owned for almost eleven years. 
Previously, We had an incident which put us in a Foreclosure status ( my dad was in XXXX different hospitals for almost eight months, until he passed away ). 
At that time, ( XXXX/XXXX/XXXX ), we " Reinstated '' our mortgage and paid XXXX ( {$23000.00} ). 
We are now dealing with my husband being unemployed after thirty four years at the same employer, and my real estate business had declined. 
I submitted all the requested documentation to apply for a HAMP, and my mortgage company, Wells Fargo, denied the request, stating we had already received a HAMP modification. 
My understanding is monies are not requested nor given to the Mortgagor/Servicer when a HAMP modification is received. 
Today, I received certified letters stating our home is in Foreclosure and a Sale is imminent. 
On XXXX XXXX, XXXX, I faxed a letter to Wells Fargo requesting the documentation showing we had received the HAMP modification. 
As of today, XXXX XXXX, XXXX ( over two months ) and I have not received any documentation pertaining to a previous modification. 
We do not want to lose our home, and would appreciate greatly acting on our behalf. 
Thank you kindly in advance, XXXX, Ca. XXXX XXXX cell Wells Fargo/American Servicing Company Loan # XXXX
this is to piggy back on my claim XXXX They never got back to me. So why is this case closed? They gave me false information which I contested and after contesting it the claim closed without a response. And recently my loan interest went up again 3 % without my knowledge. I still have not been getting responses in the mail as I requested. When I asked if I can refinance they told me that I can, which is false ... they dont do refinancing, their " refinancing '' is interest only payments. At no time do they lower the interest rate. And they are not forthcoming that this is " interest only ''. I found out it was " interest only '' after asking a series of questions and asking what my new interest rate will be. They said it doesnt change and I would be paying interest only. Well, that is not refinancing. So I told them no, dont do that, I would never get the loans paid off all they would continue to make money off of me ... So they lied to me about lowering my interest. So recently I have been paying more on my student loans, as I would like to pay down the principle. And so their way of making more money off of me ( since I have been paying down the principle they are charging less interest ) is to increase my interest by 3 % on some of the loans ... So my increased payments mean nothing as now I am being charged more for interest. This is beyond bad business practice and does not have the lenders best interest in mind.
Midwest Recovery Systems, I have had a collection from this firm removed several times from my XXXX, XXXX and XXXX credit files. First I have no knowledge of this debt and they never prove it accurate, next they continue to change dates of first delinquency so the credit agencies will allow it to report. Each time it is removed, they report it again months or even years later and just report a different first date of delinquency so that it will show up. This started in XX/XX/XXXX and 9 years later they continue, including again this week, thus once again sinking my credit scores will I once again wait for the CB 's to investigate and delete.
they keep calling I have explained to them its my debt its not XXXX but they keep calling harassing me using threatening phone calls that will take everything I own seize my bank accounts, they keep saying just pay the debt its easier they keep telling I have told them to stop calling my cell phone but they do n't stop they keep calling from private numbers. 
They even called me this morning XXXX/XXXX/XXXX and once again I stated stop calling and XXXX XXXX said just breath since I know what happen in XXXX XXXX today to breath I told him to XXXX XXXX
Equifax has allowed my credit history and ssn to be breached and did not notify me. They have known about this issue for months and are only now being exposed for it. They are a heinous company and should not be trusted with anyone 's information.
I have a loan for a mobile home with Vanderbilt Mortgage. In XXXX 2014, about {$5000.00} were added on my billing statement as " service fees. '' I have no idea why this was added or what it was for. Despite me paying my regular monthly payment each month, this {$5000.00} shows up as a past due amount. I have never been given an explanation for the {$5000.00}, despite my attempts to communicate with Vanderbilt. I have attached my billing statements, a letter I wrote to Vanderbilt and a letter that New Mexico XXXX wrote. Vanderbilt has not responded to any letter.
I am writing to file a formal complaint against Experian, regarding my request to provide the Method of Verification ( MOV ) on ( 2 ) accounts listed on my credit report. 
After numerous attempts to amicably resolve this matter, Experian has failed to produce any Original Documentations / Contracts with my signature wet-ink on it. 
Theyre failure to adequately ensure and positively verify these accounts have caused tremendous stress, sleepless nights, and inability to eat and most importantly hurt my ability to obtain credit. Enclosed you will find a recap on my communication with Experian, dates, certified mail receipts and theyre willful noncompliance and negligent noncompliance responds.
This account from XXXX XXXX XXXX is showing closed by consumer on my credit report. The account also said it is a charge off therefore it was not closed by consumer. The last payment made was XX/XX/2013 according to credit report. The remaining balance is also incorrect.
I became aware that Portfolio had multiple entries on my credit report. I initiated a dispute via the CRA and received a form letter with a dollar amount and name of original creditor. I wrote back and referenced Michigan Fair Debt Collection Act Sec 918 which states that Collectors must furnish : Verification of the debt or any disputed portion of the debt shall include the number and amount of previously made payments and the name and address of the original creditor, if different from the current creditor, or a copy of the judgment against the debtor. 

As I was not notified that Porfolio assumed this alleged debt and only became aware of this claim through a review of my CR I requested the information that is to be furnished to me under Michigan Law ... specifically the number of payments and statements from the Original Creditor. In response to my request Portfolio has indicated that it feels that it has furnished the information ( form letter with amount owed ) and has stated that it will not investigate further and will not send any additional information. Portfolio further states that it will not consider any future requests and considers the matter closed. As Portfolio refuses to provide me with the information requested I am forced to file this complaint rather than trying to resolve it with them. Assistance is greatly appreciated.
In USA the transfer fees is {$15.00} This XXXX bank abuse the system and each month I pay 11 % or Euro XXXX and this is an abuse after colecting another Euro XXXX in XXXX So far the own me over Euro XXXX Deutsche Bank that now is involved in laundering money legal cases try to recuperate the penalties fees with massive transfer fees and very low excenge rate. My name is XXXX XXXX and since XX/XX/XXXX I am collecting my pension from a XXXX Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ) My pension from XXXX is Euro XXXX. In XXXX there is collected a commission of Euro XXXX. Deutsche Bank XXXX transfer to NY Euro XXXX. Deutsche Bank will take in NY another commission of Euro XXXX so the amount received is only Euro XXXX. The rate used to exchange it in US is XXXXEuro = {>= $1,000,000} so for Euro XXXX I got {$270.00}. In XX/XX/XXXX the payment is very late and I can never count on it but there is an exchange rate of XXXX Euro = {$0.00} OR 26 % COMMISSION. For XX/XX/XXXX the real and official exchange rate was Euro XXXX = {$1.00}. The rate used by Deutsche Bank NY is Euro XXXX = {$0.00} and this is another abuse. Today XX/XX/XXXX the rate is Euro - {$1.00} and the rate used for my transfer after all fees taken is XXXX   Euro - {$0.00}!!!!!!! I consider that the abuses of Deutsche bank with no respect for the fact that operate inside USA. collects illegal In my situation Euro XXXX that is a lot of money taken from my pension. Now a commission of 26 % of my monthly payments of Euro XXXX taken by Deutsche Bank XXXX and Deutsche Bank USA!!!!!. If all banks in USA used only a flat fees of {$15.00} why Deutsche Bank NY is allow to abuse people from XXXX. When you call them they ignore you. When my banks called them they ignore them too. Deutsche Bank abuse inside USA the transfers to American People by charging 11 % commission for international transfer fees. Since they take a commission in XXXX of Euro XXXX and another one in USA. of Euro XXXX for each XXXX   International Transfer. In USA the legal transfer fees commission is {$15.00} for all Institution except for Deutsche Bank NY that collect 11 % commission which is illegal and abusive. What is interesting is the fact that the XXXX regulator XXXX has released a damming report into regulatory and compliance failures regarding benchmark rate rigging. Also it is not clear if this Abuse has anything to do with Deutsche Bank scaling back US operation???? Also is not clear if this is in retaliation to Department of Justice seeking a XXXX XXXX settlement amount that is bigger then Deutsche Bank market capitalization???? Lets take a transaction from XX/XX/XXXX and I will explain what is going on. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX : DEUTSCHE BANK XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX , XXXX XXXX NY XXXX XXXX US*XXXX : XXXX/XXXX. XXXX USDXXXX : /XXXX/XXXX   IXXXXTIME:XXXXXXXX REF : XXXX REF :XXXX On the US {$290.00} and on top there is another {$15.00} and the left over amount is only {$270.00}. This extra commission of Euro XXXX started on XX/XX/XXXX.
XXXX I sent a certified letter to Vision Financial Services disputing the Debt and requesting validation of the alleged debt. No follow up has been received. On XXXX/XXXX/XXXX I received notice they have reported this on my credit report with out validating the debt as requested. In my detailed dispute of the debt I made it clear all collection activity including reporting to the credit bureaus must stop until the debt has been properly validated.
I made a check deposit to my checking account with Bank of America. The next day I made a withdrawal with the exact amount. On the same day, I deposited some of the money and then withdrew some again. The next day, I deposited some money and all of the sudden I received a phone call saying my bank has been closed. In addition, they put the check I deposited on hold and it wasnt clear. I tried to tell them it was officially my check I deposited from my 401k.
In XX/XX/XXXX I purchased a property which has a mortgage that was sold to Fifth Third Bank. Since that date I have received numerous letters from Fifth Third Bank regarding an issue with securing flood insurance on the property listed above. 

In XX/XX/XXXX I purchased a flood policy on the home with the maximum coverages allowed by FEMA. After waiting the 30 day waiting period required by the insurance provider the policy went into effect XX/XX/XXXX. I have since added Fifth Third as a mortgagee on the policy ( not pictured on provided declarations page ) even though I believe this flood policy to be elective on my part. 

The flood policy is written for a property in flood zone X. However, Fifth Third apparently believes the home is located in flood zone AE and is  demanding I provide proof of flood insurance for a property in this flood zone. This is the crux of my issue. The home is not located in flood zone AE, but is correctly located in flood zone X. 

Since XX/XX/XXXX I have been contacting Fifth Third Bank about this issue using the email contact information provided on my statements. I have also called the numbers listed for the insurance service center department as well as direct numbers to Fifth Third Bank. Each time I have contacted I have provided a Letter Of Map Amendment ( LOMA ) that was provided to me at closing stating from FEMA the  home is located in flood zone X. After providing the LOMA, I have been told by both the insurance service center and Fifth Third directly, but verbally, that the issue has been resolved, yet I continue to receive written correspondence from Fifth Third stating otherwise.
On or about XX/XX/XXXX, XXXX XXXX ( daugter of my associate ) asked if I would co-sign a student loan so she could continue with her education. I told her I would but I wanted to see the loan terms before agreeing. I gave her my personal info. so that she could fill out an application. I never saw the loan application nor the loan terms. I never signed any documents relating to the loan. I never heard anything about the loan again until XX/XX/XXXX. XXXX indicated my credit may be impacted because she was unable to make the loan payment. I never received anything from XXXX XXXX regarding this loan. I asked XXXX to give me the information regarding this loan, the account number, ect. She never provided me the information. I did my own research, and, sure enough, I was listed as the cosigner ons this loan I made the payment as did not want my credit impacted. I asked Sallie Mae to immediately send me the loan doc. They faxed them to me. I had never seen these documents before. I did not place my signature on the loan application nor did I sign these documents. I went to the police, filed a report and then filed a complaint for fraud with Sallie Mae. I requested Sallie Mae to run the IP address as they would find that my computer nor my location where any computer I owned would not be associated with the signing of the loan application or loan. They have refused to take me off as the cosigner. I have made numerous attempts to contact XXXX XXXX. She has blocked my number as well as blocked me from XXXX The amount originally on this loan was {$28000.00}. This loan was done by electronic signature. Interestingly, both signatures ( hers and allegedly mine ) occurred on the same day, same script. The loan was signed on a Sunday. The only computer I have today as well as at the time was a computer located at my office in XXXX XXXX. I have a law firm and do not work on Sundays. The signature on the loan was never placed by me or with my authority. This case is easily resolved by running an IP address, which, it is my belief, Sallie Mae never even bothered to do.
On XX/XX/18 I did a favor for a friend who could no pay her monthly installment and paid a one time payment to XXXX who informed me that there would be a {$3.00} fee for payment over the phone. I agreed, but was never informed that there would be an Advance Transaction Fee of {$6.00}. When I contacted XXXX, their response was that they used XXXX XXXX to process all the credit card transactions and had no control as to how XXXX XXXX   processedt them.I believe this to be a deceptive practice as that all fees should be disclosed prior to the termination of the transaction.
They will not refund the full initial cost of the card nor honor the Terms & Agreement ( T & A ) for the welcome bonus offer portion. 

AMEX offered a welcome promotion bonus offer for their Delta Platinum Card of XXXX points with a spending of {$3000.00} within 90 days. The card initiated a {$190.00} fee as part of the sign up T & A. 

AMEX Admits that this offer was assigned to my account. Spending limit was met within 92 days. The T & A states that the bonus offer will be credited to the account within 6-8 weeks. 

It's been 12 weeks and AMEX took no action to provide the bonus offer until complaint was made. AMEX reports 6-8 weeks requirement for investigation to be completed with no commitment that the original bonus offer will be provided. 

Also told that they will not refund the full amount of the initial {$190.00} fee. Consumer has to wait 18-20 weeks by AMEX estimation for a decision to be made. Under this scenario the consumer would only receive a {$35.00} refund due to the prorate and no bonus offer if AMEX does not award. 

This is deceptive, misleading. They will not refund the full initial cost of the card nor honor the T & A.
XXXX is violating my right to due process. They are providing misleading and false information attempting to make they loan unfavorable for all parties.
I recently received a letter from Wells Fargo dated XXXX XXXX stating that my account was past due and that my account was being shut down and I need to send them money immediately. I have not used this card in over a year and have not received a bill in that time. This is the first that I heard of a balance or that a payment was past due. 

They certainly have my contact and mailing information, since I receive advertising and other offers from Wells Fargo frequently to entice me to use the card again. At any time they could have sent me a bill, but instead have only contacted me when this balance I was not even aware of is past due. 

Earlier that week I contacted Wells Fargo about a fraud alert email because of an address change I did not make. It was a false alarm ( simply an update from the post office ) but no mention was made of this overdue bill at that time.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

XXXX XXXX  XXXX ( Equifax : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX XXXX. XXXX XXXX ( XXXX : XXXX XXXX : XXXX ) XXXX XXXX XXXX XXXX ( Equifax : XXXX : XXXX XXXX : XXXX ) XXXX ( XXXX : XXXX XXXX : XXXX ) XXXX XXXX  XXXX XXXX   XXXX  : ( XXXX XXXX : XXXX ) XXXX XXXX Equifax : XXXX XXXX : XXXX. XXXX ( Equifax : XXXX XXXX   : XXXX XXXX : XXXX ) XXXX/XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX XXXX XXXX CC ( Equifax : XXXX XXXX : XXXX XXXX. XXXX XXXX XXXX/XXXX ( Equifax : XXXX XXXX  : XXXX XXXX : XXXX )
I have moved from XXXX to XXXX. There are no Chase banking centers here, so I am in the process of changing my accounts to a local bank. I had an IRA CD with chase and did a trustee to trustee transfer to a local bank, believing that there would be no penalty attached as I am XXXX years old. 

Chase charged me {$1800.00} - THEIR PENALTY - for making the transfer. I have already talked to a repesentative and am told there is nothing I can do about it. 

I want to register a complaint anyway because this just absolutely stinks.
I have had hardships in 2016 in which caused me to fall behind on my mortgage with Nationstar. I have been trying for over a full year to get Nationstar agents to work with me on a reasonable payment plan. The most frustrating part of it all is the fact that Nationstar received {$25.00} XXXX dollars in incentive payments for loan modifications from the Department of Treasury, as part of programs such as Making Homes Affordable.
I opened a CitiGold bank account with Citibank on XXXX XXXX 2016 under a promotional code which offered XXXX ThankYou Points after I opened an account before XXXX XXXX 2016 and used Citibank 's bill pay system " during a calendar month and during the following calendar month '' per the message I received from XXXX XXXX on XXXX XXXX 2016 ( reference number XXXX ). I paid my XXXX credit card in XXXX and XXXX, so all requirements were met to satisfy the promotion. 
I sent a secure message on XXXX XXXX 2016 to verify all obligations had been met. XXXX XXXX XXXX confirmed all requirements had been met, via reference number XXXX. In the message from XXXX XXXX, I was promised XXXX ThankYou points would be received by XXXX XXXX 2016. I have not received the points.