WillisBack/dataset-financial-user-claim huggingface dataset:
I am cosigner for my mother 's Navient private school loans. My mother has been trying to work with Navient to pay her loans in a way she can afford, but they only want to work with me at this point because they know I have a decent income and they say I am " equally responsible ''. I have been talking with Navient for about 10 months now and have not been able to work out our issues. I am hoping you will be able to help me. 

My major issue is that Navient has my name on XXXX separate private loans that they claim I cosigned for, yet XXXX of the promissory notes does not have my signature on it ( loan is for {$7000.00}, but final charge was {$7200.00} as seen in the paperwork ). The other XXXX loans DO have my signature and I understand that I am responsible for them, but I will not agree to pay on the {$7000.00} loan until they provide me copies of documents that I actually signed. Navient assures me that they have a signed document on file, however they have sent us XXXX copies of the " master promissory notes '' ( XXXX to myself and XXXX to my mother ) and there is no signature on that document in each packet. I keep calling back and requesting to speak to the department that sends out the documents, but am told that department does answer phones or speak to customers. Seems strange!! 

I am willing to work out a settlement with Navient and they have agreed to a 65 % settlement of the XXXX loans combined, but I do not want to agree to that until I am positive that I truly signed the promissory note for the {$7000.00}. I am really looking to get my name released from the {$7000.00} loan that I never actually agreed to and will make a settlement on the remaining debt. I have only attached the unsigned promissory note, but can certainly provide you with all XXXX of the promissory notes they have sent me if you should need them. 

I do not seem to be getting anywhere with Navient at this point and am requesting your assistance in this matter. I am a responsible person, am well educate, have paid back all of my own school loans in entirety and I am willing to pay back a reasonable settlement on behalf of my mother. Thank you very much.
I was to close on my home on XXXX XXXX, XXXX. This did not happen because of my lender ( Mortgage Lenders of America ) lied about getting an appraisal done in which is paid {$480.00} on XXXX for this to be completed. Then When it was done, the closing was change to today XXXX XXXX. I received a call that friday ( XXXX XXXX ) stating that they needed the 2 page to my bank statement, which was a blank page. I sent the info to them that very day. They put me back in underwriting. My mortgage lender/broker, stated that the underwriter has no rush file because they only do 1 file per day. I have been without a home and they said i could close on XXXX XXXX. I just got a call today and stated that we are unable to close because i am 5th in queue. They are not sure I will even close on Wednesday. I have XXXX children. Mind you I paid my closing cost already {$10000.00}. I still have n't received anything.
1. I filed Case No. XXXX with the CFPB on XX/XX/2016 which is pending, and to which this complaint relates. 
2. The essence of that complaint is that Wells Fargo Home Mortgage sent me a notice out of the blue requiring me to show proof of flood insurance on a house that has had a mortgage on it for 10 years, and that sits in the middle of the XXXX, well out of any FEMA designated flood zone. 
3. I called WFHM twice on the number indicated on their demand letter, requesting written proof indicating the notice was sent in error. Each time I was assured the notice was sent in error, and that a letter confirming this would be forthcoming. No letter, email or other written documentation on which I can rely has ever been sent. 
4. In response to the request for something in writing, rather than doing that, WFHM had somebody named XXXX call and leave messages three times. In these messages he says he has gotten my " inquiry '' ( the CFPB complaint ) and invites me to call him. Nothing else. 
5. Because I am currently XXXX miles from home, lending support to my wife, who is in turn comforting her youngest sister who is XXXX, I have not spoken to XXXX. 
6. On XX/XX/2016, XXXX filed a response to my CFPB complaint, stating he has been unable to contact me, that he continues to do " research '' into my complaint, and that he and WFHM need 60 days to sort things out. 
7. This is the identical delaying response WFHM gave 4 years ago to the CFPB when they attempted to charge me a higher than advertised interest rate on a refi of this loan. ( Case No. XXXX ) 8. There is no " research '' to be done. The property is not in a flood zone. I need written documentation so that the sort of brain damage we are currently going through can be completely avoided in the future. 
9. There is no need for XXXX or anyone else at WFHM to contact me. I have the computer generated demand letter WFHM sent to me on XX/XX/2016, and nothing else to provide them. All information necessary to resolve this issue is available to XXXX. 
10. WFHM required a mountain of written documentation from me to secure and refi this loan. I want a one sentence letter, not a phone call, so the next time this issue arises, it can be resolved without recourse to the CFPB, or other outside agency. 
11. XXXX and WFHM are wasting resources, time, and whatever shred of credibility they might have by engaging in these bullying tactics.
I am appealing a foreclosure with the Illinois XXXX District. 
My loan was with XXXX XXXX XXXX and then XXXX XXXX XXXX and finally Green Tree Servicing. 
A fraudulent, robosigned " assignment '' was used after XXXX was no longer an active business by a foreclosure mill law firm. 
The actual owner of the debt is XXXX XXXX XXXX XXXX ( XXXX XXXX ). 
The correct party who has standing to foreclose would be the Trustee of the XXXX or XXXX securitization pool. XXXX XXXX and XXXX XXXX were " bailed out '' by taxpayers in XX/XX/2008. 
HUD Memorandum XXXX found the XXXX  XXXX XXXX had robosigned assignments and a {$XXXX} XXXX Mortgage Servicing Agreement was Filed in Federal Court
I told the company I wanted to voluntarily turn my car back in. Once they received it, it was reported as a involuntary repossession. I have not received anything in writing stating the final sell price of the vehicle, or anything about what was due after the car was received by the company last year.
Received a call to my cell phone which is on the Do Not Call list for a debt that is n't even mine. 

Premier Portfolio Group XXXX Every time I asked for information she would get loud and hang up on me. Then started threatening me with legal action because I would call back. 

Thru internet searches I have found numerous complaints of harassment about this company.
I paid my step daughters college tuition for last semester. She was paying me back a portion of the tuition in the amount of {$3000.00}. She transmitted the money to me via PayPal , Inc. GA XXXX # XXXX, XXXX # XXXX on XX/XX/XXXX. I received a notice from PayPal Inc on XX/XX/XXXX stating the transaction was on hold. They requested several documents to verify my identity including my driver 's license, bank statement, among other documents. I provided those documents to PayPal, Inc on XX/XX/XXXX. 

I then received an email stating the transaction was declined. I contacted PayPal via telephone and was told my transaction was flagged as fraud and the money would be held for six months. I asked why it was flagged, and was told they can't tell me and it was done in the back office. I called several more times. I finally got a supervisor and explained the situation. He said the money would be held for six months. He stated the reason for the hold was for possible complaints by the buyer or seller. I explained this isn't a sales transaction. I further asked if my step daughter and I signed a release stating there wasn't any dispute would they let the transaction go through or just refund it to my step daughter. She then could transmit the money via a check. I was told that wasn't a possibility. 

My step daughter also contacted them and was told the money would be held for six months and there was nothing they could do about it. It is clear they don't want to return the money. 

I have reviewed the company on line. There was a class action lawsuit for the same issue of them holding onto people 's money for no justification. The company hold s the money in a corporate account and earn interest off of this money according to the class action lawsuit. Paypal , IncXXXX paid out a tremendous amount on that class action lawsuit. 

I have no additional course of action at this point in time. I have also sent a letter to the CEO of PayPay, Inc.
My Loan Modification finalized after a 3 month trial period, and new loan terms effective XXXX/XXXX/XXXX at which time the loan was to be brought current and all trial period payments applied. Selene Finance has been holding my mortgage payments in a suspense account, not applying them, since XX/XX/XXXX.No Interest has been reported to the IRS for XX/XX/XXXX. 
Selene has also been reporting this loan delinquent since XXXX/XXXX/XXXX. 
Both instances are in direct breach of the loan terms agreed upon. 
This loan was not finalized in a timely manner nor has the terms of the loan contract agreed upon been complied with. 
They have been a nightmare to deal with.
Applied for a credit card, was denied. Checked credit on XXXX and found " XXXX XXXX XXXX  ' for XXXX XXXX in the amount of {$350.00}. I had an account with XXXX  in XX/XX/2007 - but it was closed. 
I have no idea what these people want after 11 years.
I have recently hired a company who claimed to consolidate my student loans with the Dept. of Education using program called " Obama Student Loan Forgiveness ''. I know I could have done it directly with the dept of education, but since I work very hard I thought I would not have the time to do this.They made me sign a contract, which seems to be " irrevocable '' and made me liable to pay them {$1400.00} over the course of 3 years to keep renewing my consolidation applications. First problem I had with them is that they made many mistakes on my case and I had to keep calling to correct, such as personal info. Next, they promised I would be paying as low as {$36.00} a month for my loans, which was later confirmed as wrong by the Dept of Education. Next, they promised that all the debt will be settled in less than 20 years, which is NOT what the dept of Education has as true. So far they have taken about {$250.00} dollars from my checking account. Every time I tried to call them to express dissatisfaction with their services, I receive rude, angry and demeaning attitude from the representatives working for this company. I have put a stop in the payments and wish to not continue being taken advantage of by them any longer. Please help!!!!
All of my inquires with TransUnion were removed and the illegally added them back, without my knowledge. This violated my consumer protection rights.
Received mail solicitation for personal loan. I submitted loan application online and uploaded paystub and verification of ID over a month ago. I have yet to receive an answer. When I call for status, they keep telling me that my loan is in underwriting and in the final stage. I feel as if I am being strung along. I have been told that they do not need any additional information.
A customer rep calls me on behalf of McCarthy, Burgess & Wolff representing their client XXXX to collect on a final bill that they claim was not settled. The representative did n't even have a copy of the final bill available to send to me to review. I had already settled the issue with XXXX, and termination fees were removed, but then they added the fees again to my account. I had been swindled by a customer service representative to sign up for a contract plan that required me to pay for 24 months of service. If I cancel service, they wanted me to pay for {$800.00} in  termination fees. They lied to me when they signed me up for the service initially because I specifically told them I do not want to sign for a contract because I was a new business and did n't want to be locked into anything.
This is a continuation of my previous complaint OMB # XXXX XXXX after further review of Wells Fargo website. I found the information concerning the disaster assistance programs that states they offer enhanced payment options based on individual needs. This statement infers there are additional programs other than a moratorium that would have been a better option. In addition it also states they offer a 12 month repayment plan for arrears ( at that time would have been equivalent to XXXX - XXXX payments ) was never offered even when we were told we did n't qualify for a modification. We were initially told the first attempt it was because not enough time passed since the previous modification but we were encouraged to try again so we did and was denied again. A few months after the second denial I attempted again and was told their findings were that our home was affordable ( We make too much money ) and we do n't qualify for a modification and that we would have to show a reduction in income to be considered for any type of assistance. We never said we were having financial hardship due to income it was due to the flood and the fact that we had some minor damage to our home and lost a vehicle at that time. So I continued to periodically check in with Wells Fargo for any new programs or assistance only to be told that we would never get any other assistance with our mortgage and to basically short sale or deed in lieu. The inconsistency of information leads me to ask are the employees at Wells Fargo certified on UDAAP policies and procedures. Our loan escalated from a disaster assistance program recipient to foreclosure referral. As our loan servicer Wells Fargo has a responsibility to provide full disclosure and agreement when changing the terms of a loan ( which I believe a mortorium falls under this category ) if you allow or encourage consumers to skip XXXX payments knowing this puts them at great risk for default without offering a resolution at the end of the assistance is willingly putting consumers at risk for losing their homes. We pray for quick resolution and the opportunity to remain in the home we 've been raising our family in. Wells Fargo please make this right.
The other credit bureaus like XXXX and XXXX have removed my Bankruptcy that was reported back in XX/XX/2010, However Equifax will not remove my Bankruptcy have several request to do so. It should be remove. They will not provide me any type of date when this will be removed. I am tired of dealing with them and this is still on my report after 8 years is still hurting me. Trying to get a home etc. I am still living in apartment because of this. If the other follow the same guidelines then i believe Equifax should do the same.
Experian is the only credit report that is reporting XXXX accounts with XXXX that should not be on there. I have disputed this account with the other bureaus and it was deleted. 

XXXX - XXXX XXXX - XXXX XXXX - XXXX These accounts were not verifiable through the FCRA and not validated by the FDCPA & gt ;
There is a charge on my credit report from HSBC that is over 10 years old. I have contacted the company and asked for the contract showing this is a valid debit and they have refused to send what I am asking. All they have sent me is a statement telling me this is a valid date, but no signed contract.
On XXXX XXXX, I applied for the iPhone Upgrade Program through Citizens One Bank and was denied because the information on my application did not match the information on my XXXX credit report. I called Citizens One on Sunday, XXXX XXXX, and had them file an appeal. I was told the appeal would take five business days to complete. 

The following Saturday, XXXX XXXX, I called because I had not heard from them. This resulted in me calling almost daily for the next week to inquire about the status of my appeal. Ultimately, I got frustrated by the lack of progress and filed a complaint with the OCC, who forwarded it to the CFPB. They sent the complaint on to Citizens One, who called me to inquire about the complaint. The following Monday ( today ), I received a call from their appeals department who researched the matter. 

Ultimately, I was told I had incorrectly entered my birth year in the application, which caused the denial. They told me that my denial had been overturned and that I could reapply for the program. However, I would have to do it in-store. Their system would not allow me to do it again online. 

I told Citizens One that I live two hours away from an XXXX and asked if I could do it at another store that sold iPhones ( XXXX XXXX XXXX, XXXX XXXX, etc. ). I asked them if there was any way that I could do it online and they said that I would have to wait until XXXX XXXX and apply again, which would result in a second hard pull of my credit. 

I believe this to be discriminatory against those who live in rural areas that do not have access to an XXXX XXXX. Furthermore, I see little-to-no reason why the online shopping systems could not be upgraded to handle such an issue or why Citizen One could not process this loan application over the phone. After all, many financial institutions process far more complex loans over the phone. Citizens One may be one of these banks, assuming they provide mortgages. 

Furthermore, nowhere in the iPhone upgrade program 's terms and conditions states that I would have to go in to a store if denied. Had I known that, I would have probably sought to purchase my iPhone with XXXX Next program because of the local availability of a store.
Your agency has yet to produce any solution from Bank of America. I 'm wondering if this is to big of a task for this agency. 
Bank of America has just increased my loan payment more than 3 times the rate. Bank of America informed me this was an interest only loan and did not explain that it was only for 10 years. Bank of America will not assist me in helping. Bank of America suggested I default on my loan before I can receive help. 

Bank of America has assigned and then switched approximately XXXX different managers or employees to help me. 

Bank of America took over 1 year to decline my loan modification. Perhaps this needs to be repeated. BANK OF AMERICA TOOK OVER 1 YEAR TO DISAPPROVE MY LOAN MODIFICATION. This is unjust to say the least. As a result, I now have to pay tripple the amount. I could have shopped for alternative a year ago. 

Please hold this bank responsible. Enough is enough.
I am having the worst experience with State Employee Credit Union. It all started in XX/XX/2018. I was having an issue with XXXX accessing my account. They debited on XXXX and XX/XX/XXXX. I don't know how they received my information but I disputed it. That went well but I was advised they would be blocked and of course they were not. So I called back and was advised to switch debit cards. So I did, Then XXXX charged the new account. I then closed the account per bank advise again. And yes XXXX now has charged the new acct. So then I was advised that banks give the company 's the new card numbers. Never heard of such a thing. I was advised to again get a new card and stop the process of giving the company my new information. As if all of that was not enough. On XX/XX/XXXX I started paying my XXXX XXXX payments via checking account and XXXX closed my account via checking account reporting closed when we call into credit union the account was clearly open. Now today I tried to deposit funds from my XXXX account. Now they are reporting the account I just opened and have direct deposit to is closed. I contact the bank and stated I have not used the account in 3 days so they closed it. I just cant get a break with this bank. Its so many grey lines and I have never experienced with any other bank. I am terrified of what to expect from this bank.
On XXXX/XXXX/15, I contacted Experian to dispute two addresses that are n't mine that are showing on my credit report, and they refused to update. 

On XXXX/XXXX/15, I contacted Experian again to have the addresses removed, and they again refused to update. 

They areAddress ID - XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX ) and Address ID - XXXX ( XXXX XXXX XXXX XXXX XXXX, MN XXXX ) I live in Colorado. I expect them to remove inaccurate information that is not on either of my other two credit reports.
I have a loan out with credit acceptation and I 'm being harass at XXXX to XXXX to XXXX at night i work XXXX and my boss told them she can not have personal phone calls unless their family issues .so the call any ways so he wrote them and had me signed it but we did n't make copies we just mail it off that no phone calls at work.now my loan is XXXX i been paying XXXX now a month came and i call to tell a manager i would be short i had XXXX he applied you have been in good status so theirs nothing he can do unless I 'm behind so i went paid the XXXX and i have all receipt so i stop paying XXXX and went back paying XXXX and now they telling me I 'm behind and adding late charges like no torrmow and calling all through the morning evening nights at work in bed in the shower I 'm getting a lady calling me threating me i got on a plan where i told them i will pay but i got laid off but i will pay them on the XXXX each month for {$410.00} and they get mad and angry so XXXX continue maying {$410.00} and this month on the XXXX i paid {$500.00} again and the bug me and bug me with private numbers and personal numbers and block numbers all times of mornings and evening and nights and recent today twice yesterday twice. Please help I 'm still paying just hard some time but I 'm still paying and now i have been ignore all calls but i pay faithful thanks, and on time i walk in all the time and i have all paper work.
With the new XXXX Tax Law I considered paying off my mortgage due to fact that my Standard Deduction will double. A {$50000.00} principal payment was made on XX/XX/XXXX. This payment was made via check from XXXX XXXX to Ditech Financial LLC ( " Ditech '' ) XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX on XX/XX/XXXX. Ditech cashed my check on XX/XX/XXXX. The allocation of the principal & interest was not processed until XX/XX/XXXX. I have tried to resolve this issue with Ditech since my first phone call to Ditech on XX/XX/XXXX. After this initial call I have had 9 additional correspondence with Ditech. The last call made XX/XX/XXXX to Customer Service said I wouldn't receive an answer until possibly the end of the month. Each call to Ditech never initiated a return call the rep mentioned and/or promised. I always had to call back and talk to someone different and review the entire scenario all over again. My wish and/or request is to simply apply what principal amount I have coming and that has yet to be completed.
HELLO, THIS HAS PREVIOUSLY REPORTED AN ACCOUNT IN ERROR LISTED AS  XXXX   XXXX   XXXX   XXXX . '' I HAD NO BUISNESS WITH "  XXXX   XXXX   XXXX  OR   XXXX   XXXX   XXXX   '' AND THIS MATTER WAS REMOVED FROM ALL  XXXX  REPORTS, AND NOW PLACED ON MY REPORT AGAIN.     I REQUEST CFPB LOOK INTO THE MATTER AS THIS SHOULD NOT OCCUR AND THIS IS NOT MINE OR IS NOT CORRECT.     THANK YOU.