WillisBack/dataset-financial-user-claim huggingface dataset:
I have had better luck going through you to get a response out of Navient than getting ahold of them directly.

I've been trying for over a year to get back into an income based repayment plan. I was on one with XXXX  before Navient bought them out. Then I submitted everything and somehow my accounted ended up in forbarance. I can't recall why. So earlier this year, I went to submit the application again, with my XXXX and was told that it was too early to apply for IBR. however, I wasn't in IBR, I was in forebarance. I had not been in IBR since the previous year (I may have requested forebarance because I had changed jobs and taken a substantial pay cut), anyway, now I am trying to get the status of my application and I am getting NO response. I use the email XXXX because I just do not have the bandwidth to be calling and calling and calling. You can't use their on line system because I can't just respond to an email. I have to log in and half the time my password doesn't work, so I have to reset it. Its such a convoluted mess. I was having very good luck dealing with the advocates vs the customer service, but now I find I am getting no response with either.

I submitted an application and after 3 retries because either I checked a box wrong or they didn't accept the documentation I'd submitted as proof of payment (which, by the way neither the emails or the letters in the mail tell you exactly what is missing or incorrect. you have to call. then you sit on the phone. then you wait for someone who knows what is going on. This game is exhausting.

I got a late notice in the mail, however, I never got a bill and I've never had a response to my IBR application. 

I want them, AGAIN< to waive all the interest accrued during this maddening process. I want an affordable repayment plan. Or I want the option to have a different lender handle my loans. Someone who actually does what they're supposed to do, like XXXX who I had previously.
NAVIENT is in direct violation of my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. My complaint is very simple, once I am granted a deferment on any student loan, NAVIENT automatically reports the account as 90 days late. Now how can that be without a 30 and 60 day late payment history before it. It 's because NAVIENT uses the credit reporting system illegally, using it as a means to destroy a person 's personal credit history without merit or recourse. This practice has been consistent for decades, and I will seek private counsel to file suit if necessary. My student loans are now and have been in payment deferment since I obtained them. 
NAVIENT IS VIOLATING MY FCRA AND FDCPA RIGHTS. I DEMAND A CFPB INVESTIGATION ON THIS ABUSIVE CREDIT REPORTING PRACTICE TO CEASE THIS ACTIVITY ON AMERICAN CONSUMERS!!! 
NAVIENT MUST DELETE ALL NEGATIVE CREDIT HISTORIES ON ME IMMEDIATELY AND PERMANENTLY!!!
There have been clerical errors made on my student loan accounts for almost the life of the loan. Since XXXX, XXXX XXXX ( now Navient ) has made managing my Federal Student Loan loan very difficult. The difficult started with failed attempts to establish automatic payments. XXXX XXXX did not offer an option to set this up over the phone. I would request a paper form and none would arrive. There were no phone notifications either. I have an email from XXXX of XXXX where I request XXXX XXXX to further develop system to offer what all other financial institutions were already offering ie. auto-pay established over the phone and phone notifications. 

When Navient took over the loan, things continued to be confusing and misrepresented. Interest was Capitalized at random, Forbearance requests were not followed through on, and vague information regarding changes to my loan was provided -specifically that I had been placed on a graduated payment schedule. 

Worst of all, I was told over the phone that my loans were in forbearance ( per my request ) only to learn after months of missed payments ( with no notice ) that the account rep had not put my account into forbearance! When I inquired as to why, I was told that a form had been sent out that needed to be signed in order to complete the request. I never received any form and in fact was told on the phone that the account had been placed into forbearance. The missed payments have all but destroyed my credit. I can not seem to get it fixed. Navient should contact the credit agencies to have this removed as it was not an error on my part. Besides my credit being severely damaged, I lost a discount with Navient. I have been paying via auto draft for the past 22 months and the discount still has not been restored. 

Recently I received notice that my payments due per month have increased by {$200.00}. Apparently I am on a Graduated Plan? I was never notified of this nor did I sign anything agreeing to this. This creates a financial burden that I did not anticipate and I am afraid that payments will continue to graduate at random intervals and increments. I have no schedule of any of this! 

Lastly, I have been paying the same amount for for the past 22 months yet the amount paid towards principal and interest does not follow any sort of linear progression. Specifically, each month, more or less is paid towards principal and interest. Should n't the interest gradually decrease each month? There is no discernible pattern to the way my payments impact the principal. 

Taking a Federal Student Loan for XXXX XXXX has been by far the worst financial decision I have ever made. I took the loans to further my education. In addition to a worthless XXXX XXXX, I received a first hand look at the impossibility of paying off school loans. I wonder if I 'll ever get out of this debt?
was pre approved by 5th 3rd bank. my reference # XXXX for pre approval. we proceeded to shop for homes. found a home within my budget put down a {$10000.00} deposit with the realty company. i contact the bank to process the loan and set up a closing. they did a home appraisal and we had a home inspection/wind mitigation done. only to be told a week later that underwriting turned me down after giveing me a pre contract. i was told i would recieve my money back and that the original mortgage broker who first worked on the loan had quit and made a mistake. regardless of whos fault it was, its was still a licensed certified mortgage broker representing fifth third bank. Now no one from fifth third will contact me back about refunding the home inspection monies.
After years of being an exemplary customer, who has never missed a payment and always paid off every single balance in full, my account was closed to my surprise. Upon reading the reason, I was even more surprised. The letter of explanation states that your " affiliate ending its banking relationship '' with me, however I have never in my life had a banking relationship terminated, not by a Chase affiliate or any other institution for that matter. 

As per my credit report and banking history I have been an excellent customer to Chase and others such as XXXX and XXXX XXXX XXXX for 10 years. At this point I am very disappointed with the service and misconducted which I was offered by Chase, however I want to protect my credit rating which is excellent, and I fear a wrongful account closure and incorrect reasoning provided, could hurt my credit rating wrongfully. 

I therefore requested that this matter was looked into again, and that there is a thorough review as to eliminate any type of mistake on the bank 's end. If Chase wishes to end it 's banking relationship that is perfectly fine, however I would like the real reason, as to protect my reputation and credit. Again, the fact that any institution has ever closed an account with me is false, and I can prove this through my credit report and further documentation. 

After numerous attempts of getting some sort of clarification from Chase customer service which is unable to assist in any which way, I requested that someone with executive power look at this matter, to make sure that as the outstanding customer I was to Chase, my reputation is not damaged due to an internal mistake. I have had no luck yet.
Agencies correectly report charge- off ( re disputed insurance claim ) XX/XX/XXXX Where they fail to comply with FCRA and other state and federal law is in showing activity on the account ( sometimes current or late payment, and or repetition of the charge- off info falsely showing as occuring in current month ) after the date of the charge- off NOTE : This is NOT a duplicate of previous CFPB complaints filed against the creditor, XXXX. This is also NOT an authorization for agencies to pursue this through their creditor dispute procedures. The agencies are specifically directed NOT to pursue this with the creditor. The dispute and complaint is NOT with the creditor, XXXX, but with the agencies- Experian , XXXX and XXXX XXXX .
On   XXXX    XXXX , 2017 I paid my conns account in full on the phone with a customer service rep in the amount of  XXXX . This company has yet to close my account and this has caused several negative marks to be placed on my credit report. I 've been in contact with conns everyday asking them to close my account and to remove the credit markers. They 're offline department has admitted fault and told me my payment was not applied to my account because of the rep error. Customer service has yet to close my account and they keep telling me the account is processing for closure and it could take 3 billing cycles. Mean while I incur more negative credit markers. Please help me resolve this matter.
on XX/XX/XXXXI made a purchase from XXXX XXXX XXXX  believing that my purchase for 4 tickets was XXXX dollars. Only when I gave them my card number did it say they were XXXX apiece. {$1100.00} total. I immediately called Capital One and told them not to allow this to go through. Then they contacted the vendor and we had a 3 way conversation in which they refused to stop the charge. They hung up. The Capital one agent told me not to worry. They would get my money back. OnXX/XX/XXXX I was charged the full amount. {$1100.00}. I called Capital One about this and was told my account would be credited. OnXX/XX/XXXX I was credited with {$940.00}. ( {$250.00} short ). I called them again and they said I have to dispute it. I did. Then I was recharged the {$940.00} on XX/XX/XXXX. I again called about this and once again I was credited {$940.00} on XX/XX/XXXX. ( still {$250.00} short ). Then they said to dispute the full amount of which I have been doing. OnXX/XX/XXXX I was RE-Charged the full amount of {$1100.00}. This includes an extra {$250.00}! I have called and have talked to them and was told they could not do anything for me. I was in my rights to cancel this transaction. Now I am being charged an extra {$500.00} for tickets I never even received. Is this not fraud? Can I press theft charges against Capital One? Now when I log in to my account I can not dispute anything on this matter. The website wo n't allow it. This is just wrong. I have been a cardholder for more than 20 years and have never been treated like this before. Please help me get my money back. I am not a rich person who can just absorb a charge like this. My next step will be looking into pressing charges and complaints with the FTC for fraud if this is not resolved. I believe under the consumer protection act it was my legal right to cancel this transaction and there customer service rep. assured me they would get my money back. Please help with this.
On XXXX/XXXX/16, I ( XXXX ) used western union to transfer money to XXXX, I paid XXXX dollars in total, they gave me an MTCN/tracking number XXXX. My brother never received the money which was supposed to be delivered right away. Called Western union the evening of the same day and they told me to wait the transaction was pending. The following day the money was still not available. I borrowed money from a friend out of state since my nephew was sick & needed the money for medication right away. I called western union on XXXX/XXXX/16 and asked them to refund the money, they told me i will get it in 24-48 hrs. Called again XXXX/XXXX/16 and was told i will only get the the principle amount which is XXXX dollars and loose the XXXX dollars since i was asking for a refund. I told them it was n't my fault but they refused to acknowledge their mistake. I finally asked them to give me the money XXXX dollars since i had borrowed the money from a friend in XXXX to take care of my sick nephew. Western union told me i will get the money in 5-7 days. Today is the XXXX/XXXX/16 it is more than a week and have not received the money yet, it was supposed to be deposited to my account. Please help me, otherwise i will not get my money back, i have already lost XXXX dollars which they refused to refund when it was their mistake not to deliver the money to my family in need. 
Thanks for attending to this matter. 
XXXX XXXX
On XX/XX/2018, I had attempted to make a payment to my Capital One Quicksilver credit card using funds from my XXXX XXXX Checking Account. I am an extremely diligent consumer, with ( now ) 99 % on-time payment history. That particular day, XXXX XXXX had processed the payment, and the transaction even showed on my XXXX XXXX account the next day. However, the day after that, XXXX XXXX had pulled back the funds, resulting in a " missed payment, '' and on top of that, they had charged my {$35.00} for this unsuccessful bill payment. When I had gone to the institution ( XXXX  XXXX ) to close the account as it had not been the first time I was charged the same fee for unsuccessful payments and at the time I had been frustrated by the recurring situation, they had suggested that I switch to a student account that protects me from unknown or delayed NSF situations - an offer they did not give me in the beginning even though they were aware that I had been a college student when I first applied for a checking account with them. Though I chose to remain with them, the situation caused me to go down from 100 % on-time payment history to 99 %, which subsequently effects my overall credit score.
Between XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX of XXXX Georgia made over a dozen unauthorized debit charges to my checking/savings for various amounts, multiple times per day in excess of the bank ATM allowed debits per day totaling over {$7900.00} over a four-to-six week period. 

My debit card is mandatory for ATM transactions at Wells Fargo bank and was printed with a visa debit card font as a locator for the printer of the debit card. 

On XX/XX/XXXX I went into Wells Fargo to address the fraud/unauthorized transactions that I had no knowledge had taken place ; the XXXX XXXX XXXX company made no contact with me prior to charges being taken at any time. 

I filed a fraud/unauthorized transaction claim at that time in a Wells Fargo branch located on XXXX XXXX XXXX in XXXX XXXX and was told by their employee XXXX XXXX that it would be put in high status for immediate attention. I then supplied XXXX XXXX with the back-up material I had about the XXXX XXXX XXXX via email while in front of him, at his computer inside the branch. 

Several fraudulent charges were made on several Wells Fargo debit cards over the course of my three months ( XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX ) in XXXX XXXX, to the point that I had to frequent Wells Fargo locations multiple times to have new cards issued. We ( Wells Fargo employee XXXX XXXX and me ) discovered after reviewing all charges made during the three months that several hotels had also overcharged my debit card throughout the XXXX XXXX metro area ; we then alerted the fraud center of the other unauthorized charges in excess of {$2300.00}. 

As of today, XX/XX/XXXX, Wells Fargo has denied my fraud claims for the $ 10,000++ unauthorized debit card charges placed outside the area and without me present at the company making the charges. Wells Fargo did nothing to watch or protect my debit card ; Wells Fargo branches smirked at me and treated me as if it was a homeland security drill and the money was not mine. A Wells Fargo branch located on XXXX XXXX in XXXX XXXX, CA told me in XX/XX/XXXX that I would have to hire a lawyer and sue either the XXXX XXXX XXXXl or Wells Fargo. It is not my preference to file a lawsuit ; however, Wells Fargo has promoted their errors in the past year and said publicly they are caring for their customers. They did not treat my money like it was mine ; they made me feel like it was theirs and could care less that their actions left me without travel options, without shelter, and without food. 

Please contact me for details on how I can proceed here. This has been a year of chronic fraudulent activity allowed by Wells Fargo in my savings and checking and debit card.
By XXXX XXXX, 2016, I wanted to pay my student loan in full. I went on the loan company 's website and logged into my account to establish my payoff amount and find a date when I could get a cashier 's check to mail to the loan company. I called the company and talked with a customer service representative. I discussed with the representative about sending the check overnight an the rep. said I could send the check through the mail and the company would date the payoff to the postmarked date. She gave me an address for where paid-in-full payments are received. It was American Education Services Paid In Full, XXXX XXXX XXXX, XXXX, PA XXXX. The payoff amount on XXXX XXXX, 2016 was {$18000.00}. I purchased a cashier 's check on XXXX XXXX, 2016 in the amount of {$18000.00} and mailed the check on XXXX XXXX, 2016, to the above address certified mail with a return receipt requested.The company did not use the postmark date but used the arrival date instead. The company applied the check to the loan but the did not use the postmark as the date for the payoff amount of the loans. The loan company says I have a {$14.00} balance on my loan. I emailed AES to resolve this discrepancy on the payoff date. In the past, although I had tried to get my name corrected on this loan, AES refused to change it. ( They read my handwritten name incorrectly. ) I continued to make the payments on the bills with the incorrect name. This loan has not shown on my credit reports.
I received a phone call from XXXX Solutions who was trying to collect a credit card debt from XXXX XXXX Bank XXXX {$1400.00} that they claim the principle balance is {$490.00} from XX/XX/2001, and the last payment was in XXXX XX/XX/2001. I told them this is over XXXX years ago and I am not familiar with this debt, and have no memory of the debt. In addition the name on the account was not accurate. The collector acknowledged the statute of limitations had expired, and that they do not report to the credit bureau, or file legal action, however, the debt is owed. I explained I have no recollection of the debt and do not contact me any further. They also were trying to initially collect on a duplicate bill, yet, admitted it was a duplicate bill.
My brother and I are Co Administrator 's for our Dad 's XXXX XXXX XXXX XXXX XXXX XXXX and have been having difficulty getting Wells Fargo to assist us with that process. After our Attorney 's obtained Letters of Administration from the XXXX County XXXX XXXX XXXX Court issued on XXXX XXXX XXXX we went to a Branch of Wells Fargo on XXXX XXXX in XXXX XXXX on XXXX XXXX XXXX for the purpose of opening an Estate Account and transferring all funds owned by our Father to the Estate Account. Our Father had XXXX accounts with Wells Fargo at the time of his passing. They would not open an Estate Account for us citing increased risk to the Bank because there were Co Administrators rather than just an Administer. I did n't and still do n't believe it 's a Bank 's place to determine what type of Estate Administration is appropriate. Their role is to comply with a legal document issued by the courts in the jurisdiction where they do business. I made a trip to my XXXX residences on XXXX XXXX XXXX and did not return to XXXX until XXXX XXXX XXXX. When I left I thought we might have to open an Estate Account at another Bank and have Wells Fargo EFT the funds to that account. However around the time of my return to XXXX our Attorney determined that another Wells Fargo Branch on XXXX XXXX in XXXX XXXX XXXX XXXX would open an Estate Account for us. On XXXX XXXX XXXX my brother and I went to that branch and they opened an Estate Account. The Manager even apologized for the other branches mistake in not opening the account for us. However they have only been willing to transfer XXXX checking account which had no signature cards on file to the Estate Account. There is another Checking Account and a Savings Account which have signature cards. The banks position was that those funds should be transferred by the parties on the signature cards. The Attorney handling the estate for us finally obtained copies of those signature cards in XXXX XXXX and advised that they show our XXXX owned 100 % of those accounts and the parties ( my brother and I ) on the signature cards were only Powers of Attorney before our Dad 's death. The third account is a business account where my Dad owned 90 % of the Business and my Brother 10 %. Wells Fargo said that since my Brother was an owner/officer of the business he should just write a check to make the transfer. I suppose that could be done, but a clearer line of transfer would be for Wells Fargo to make all transfers. The Banks delays are costing Attorney 's fees which reduce any ultimate inheritance. Your assistance in resolving this issue would be greatly appreciated. 


Thank You, XXXX XXXX XXXX XXXX XXXXXXXXXXXX PS : We all have heard how Wells Fargo is alleged to have tried to increase accounts and deposits by opening accounts no one apparently requested. Could there be some attempts being made to keep depositors from closing accounts to keep from losing accounts and deposits. As unscrupulous as that would be for depositors stilling living who could resist those efforts its appalling if they would do that for deceased depositors who gave them and/or banks Wells Fargo acquired years or even decades of business.
I was attending XXXX XXXX XXXX and was granted a Student Loan with XXXX XXXX XXXX in XXXX. At XXXX point I was late on making a payment. This account with XXXX XXXX XXXX was transferred, closed with a {$0.00} balance. This is how it 's reporting on my credit report. I 'm currently paying off this original student loan with XXXX and have never been late with payments. I contacted XXXX XXXX XXXX in XXXX and XXXX and requested the negative remarks ( late payment ) to be removed from my credit report. I was told via secured email that the account will report accuratly and the negative remarks will be removed from credit report. However, this never happened. I filed a dispute with a credit agency, XXXX in XXXX of XXXX and provided a letter stating that I completed rehabilitation program for the student loan, currently making automatic payments to XXXX and never missed one payment in 2 years. I also provided email communication between XXXX and myself stating that they will remove negative remarks from credit report. XXXX replied to credit bureau, XXXX stating that the account is reporting correctly since I was late when I had the active account with them, even if my account with them is currently closed, transfered with a {$0.00} balance.