WillisBack/dataset-financial-user-claim huggingface dataset:
I have a home equity loan with Santander Bank. The loan was in XXXX my name and my husband who In XXXX is my ex husband. The house is only in my name since the divorce. I was and continue to make all payments. In XXXX, my ex declared bankruptcy and was told by bankruptcy lawyers I would not be impacted in any way. He was granted a discharge effective XXXX/XXXX/XXXX. Santander shut off my auto payment process to make auto pymts from my checking acct which did n't allow me to get an interest rate discount. I was told to try again in a year or so. I 've been told several other times I could not get this service and discount because of my ex husband 's situation. I think it 's an unfair practice that I ca n't get this auto payment service and discount based on my payment history and credit status.
I made a purchase through Paypal invoice for a tangible goods. According to the buyer agreement I signed with Paypal I am to be protected in the event the item is not received. I sent {$600.00} to a person in another country and was to receive goods in exchange. The seller provided tracking information for the item being shipped which shows the item never made it to XXXX, let alone delivered to my address. The seller also confirmed that the shipping courier ( XXXX ) acknowledged that the item was lost. The seller paid for insurance to be covered in the case of loss or damage and has subsequently filed a claim with XXXX for an ammount equal to the {$600.00} purchase price. As a buyer through Paypal, who 's user agreement states I am protected in the case of non-receipt, I filed a dispute to get my money returned ( {$600.00} ). After investigation the dispute was eventually closed in favor of the seller citing " proof of delivery '' was provided by the seller, therefore allowing the seller to keep the {$600.00}, and the insurance claim refund, all the while I am without the agreed upon goods - Clearly going against the rules of buyer protection as explained by paypal ( item not received ). I called paypal after learning of the dispute result only to be told that international law can supersede the paypal buyer agreement because international seller agreements vary country to country, something that is not explained in the user agreement I had signed with paypal. It boldly states " Protection for Buyers- Types of Problems Covered. PayPal Purchase Protection ( also known as PayPal Buyer Protection ) helps you if you encounter either of these problems : You did not receive the item you paid for with PayPal - " Item Not Received '' ( INR ) ''. Why they decided to side with the seller is beyond me and goes against the agreed upon signed user agreement, which includes quoted buyer protection. Now, I am without {$600.00}, without the purchased goods, without any recourse to reclaim lost funds and the seller keeps the {$600.00} and collects {$600.00} from the XXXX insurance claim. The trust I placed with paypal has been abused and has cost me to loose a subsequent amount of money that should have been protected per our agreement. Currently the dispute is in the appeal process but I was assured that the decision will not change and I will not be reimbursed for the lost {$600.00}.
I am trying to seek a monthly billing reduction from Navient Student Loans. I have trouble paying the {$1100.00} monthly payments and was informed by a supervisor ( XXXX, XXXX, on XX/XX/2018 at XXXX XXXX ) that my parents ( retired, XXXX y/o, limited income ) are financially liable to help because they cosigned on loans 10 years ago for my XXXX degree. Additionally, I have been labeled " delinquent '' because a customer service representative ( XXXX XXXX on XX/XX/2018 ) told me to not pay until well after the XX/XX/XXXX because I was on " administrative forbearance. '' My payment is initiated for XX/XX/XXXX ( confirmation # XXXX ) and as a result, I was told by XXXX today ( XX/XX/XXXX ) that I can not even speak to Customer Service because of this. Additionally, I was told by XXXX ( XX/XX/2018 ) that my parents could be released as cosigners and informed today by supervisor XXXX that it not even an option because I'm considered " delinquent. '' He also said that department does not even exist. XXXX assured me they would review the phone conversation tapes and investigate internally, however stated I am responsible to pay Navient {$1100.00} monthly, which will likely increase because the interest rates are variable. I have never been more angry at myself for seeking an education as I am now struggling financially because I chose to go to school. 

I have done my best to " trim my finances '' and no longer go out to concerts or movies with friends, I cut my own hair and no longer make purchases on my XXXX XXXX XXXX XXXX credit card ( the only one I have ). My vehicle has been paid off for several years and I paid it early and never missed a payment to XXXX XXXX XXXX XXXX. I want to be a homeowner someday or purchase a newer vehicle, but those, at this point, are just dreams because my student loans require the largest portion of my income. I have moved up professionally and always am trying to stay positive, help others and address my responsibilities. 

I just want help lowering my payments to Navient and removing my wonderful, kind-hearted parents as cosigners. These loans, although they cosigned, are my own and I will do what I can to make Navient whole again and no longer be under their umbrella.
The company calls me all the time about a XXXX XXXX, whom I do n't know and never heard of him trying to collect a debt.
In 2010 I rec 'd a letter from Macy 's stating that they had inadvertently matched me with another customer with the same name. Macy 's corrected their records and removed my address from that record. They stated no incorrect information. was reported to the credit reporting agencies, and they would contact XXXX
My credit line with BOA credit card was drastically and unjustly lowered from approx. $ 33k to {$1200.00}.

I have been with BOA for approx. 20+ years, always with an A rating always paid on time. 
I have had a long relationship, various business, personal, and merchant accounts. 
In XXXX I refinanced my home to an FHA % 3.27, and paid off 3/4 of the balances on credit cards, LOC, and cashed out $ XXXX, still retaining more than a 2.1 loan to value. 
I completely paid off this BOA account, wanted to retain this account to use, when and if needed, due to the low % rate, and relied on having this credit available. And due to my credit history and long relationship, I was receiving a low 6.99 % rate on this account, with an A rating. 
In XXXX my Refi FHA Mortgage Loan was $ XXXX, appraised {$1.00}, comp value {$2.00}. So my financial and credit situation improved with these transactions. In addition, my credit was good enough to have qualified for an FHA loan. 
Directly after pay off, in XXXX, a weeks after refi, BOA drastically lowered my credit limit from {$33000.00}, to {$1200.00}, stating inaccurate, unfair, and false information. As my financial situation IMPROVED with my refi lowering my % on mortgage , % on credit, and pay offs, and my monthly overhead was lowered by more than 35 %. 
Therefore, I believe that BOA committed ANOTHER act of fraud, and MORE unfair business practices.
LoanCare is reporting I was 30 days late on my mortgage in XXXX XXXX and was sent to the bureaus on or about XXXX. I pay every month, and pay extra nearly every month as safe measure so that my credit is preserved. A senior representative named XXXX ( XXXX ) had told me over the phone on XXXX XXXX that no lates would be reported. On XXXX XXXX, I had received word that XXXX30 day lates were being reported on this account. On XXXX, I spoke with XXXX XXXX and she was unwilling to begin the process of removing all derogatories from being reported, and felt the reporting was accurate and valid. She claims that the note requires I pay each month in full. Since XXXX was short of the full payment, they held this money 'in suspense ' and reported I did n't pay. So they held onto my money and did n't apply any of it to my mortgage upon receipt. Here are the terms stated in paragraph XXXX of my note ( Payments ) : 1 ) " I will pay principal and interest by making a payment every month '' & lt ; I DID THIS & gt ;. 2 ) " I will make my monthly payments on the first day of each month beginning on XX/XX/XXXX '' & lt ; payment is always received between the XXXX and the XXXX, and never 30 days late & gt ;. 3 ) " I will make these payments every month until I have paid all of the principal and interest and any other charges described below that I may owe under this Note. Each monthly payment will be applied as of its scheduled due date and will be applied to interest before Principal. If, on XXXX XXXX, XXXX, I still owe amounts under this Note, I will pay those amounts in full on that date, which is called the " Maturity Date. '' '' & lt ; in compliance to-date & gt ;. 4 ) " Each of my initial monthly payments will be in the amount of U.S. {$960.00} '' & lt ; I always pay over that amount & gt ;. 

So, the note terms have been met, but they are unwilling to change how my monthly overages are applied, as well as apply money that 's been sitting in 'suspense '. This is a violation of my Fair Lending rights and the rights of others whom they have extended credit. 

There was one incident which may have provoked this. I changed banking institutions that month for my personal checking account. Through online bill pay, I requested XXXX of XXXX payments to go out in the amount of {$1000.00}. XXXX XXXX XXXX XXXX sent the check out from their warehouse to LoanCare. LoanCare made ONE ATTEMPT ( verified by the credit union ) to deposit this check and it was denied by the credit union. The credit union admitted they made a mistake, but did n't know why a XXXX or XXXX attempt was not made. Attached, is a letter from them stating their error. Even so, I 'm still in compliance to this note. If extra monies made each month were made in whole or part to escrow, I should also still have more than the minimum required in there, too.
Since falling victim to the XXXX, XXXX, XXXX, and several other data breaches I have been unable to obtain my report and dispute anything on my report online. I only receive a message asking me to contact someone at the reporting agency. I would like to have my report unblocked as it has been more than 5 years since these breaches and I am in the process of repairing my credit. The inability to dispute online is hindering my progress tremendously.
My promotional interest rate on this is not correct. It should be 1.99 % it is not. I only recently learned of this while investigating my other card.
In 2007 my ex-wife and I divorced. I had XXXX vehicles under my name which were with XXXX XXXX XXXX as the cosigner, and Bank of America which I was the primary. The divorce proceedings lasted almost two and a half years. On the last day of the court proceedings I communicated with both creditors trying to salvage my credit as best I could. Both XXXX and BoA gave me no special treatment, their only advice was to pay both of the accounts in full by the close of the day, and the accounts can be removed from my credit bureau file after seven years has past from the XXXX deliquent reporting which was XXXX 2007 for BoA, and XXXX 2007 for XXXX. I agreed with both and settled both accounts immediately. The total pay off for both accounts was over {$30000.00}. The XXXX years has now past, and I have disputed the information with all three credit bureaus stating the allotted time has past and the accounts were paid in full. The returning investigation shows that the derogatory information has n't been removed but only updated. The first delinquency for the months of XXXX and XXXX 2007 now have been blacked out and report back " NO DATA ''. I have contacted both creditors asking why they have n't held up to the agreement made on the last court date. I have suffered with this on my credit report for the seven years, paid higher interest rates on everything I borrowed, or saved until I could pay cash long enough in the eyes of the law governing the credit reporting process. They have now changed the information in my files by deleting the XXXX delinquency, and therefor keeping me suffering with this on my file. Why and how are they able to do this? Are they able to do whatever they want regarding my information? They have to hold up to their end of the agreement and release me from my suffering. 

Bank of America acct # XXXX # ending in XXXX XXXX XXXX XXXX
I have been experiencing the effects of identity theft since 2015 when my wallet was stolen, along with my social security card, and license, and credit cards. All my personal information essentially. 

I noticed on my credit report recently an account " XXXX Delaware '' It shows that XXXX is due. This is not my credit card, i have not ever applied for a Barclay Credit card, nor did i even notice this account was on my reports. To top that off, it has now shown as derogatory " Charge Off ''. I tried to call XXXX Several times, i even advised them the last 3 times i have called that there is a mistake. This is not my credit card, i have not ever applied for a credit card with their company and that this was opened fraudulently. I advised them i want this removed immediately, as i have already reported this in my FTC Report as identity theft. 

The rep on the phone at Barclay customer service said she would transfer me to the fraud department, that there is nothing she can do. So she transferred me and i was on hold for another 10 minutes. The fraud rep comes on the phone verifies my name, social security number. Then says please hold i need to transfer you i can not assist you with this account. I advised the rep that this is what i am calling about THIS IS NOT MY ACCOUNT. I told her i have been experiencing identity theft and have proof that this is not mine, and then proceeded to even tell her i will send them the report from the FTC. She just told me she doesn't care and that they can't assist me. She then immediately transfers me to some collection agency, which told me to call XXXX back and that they would mark the account fraudulent but there is nothing they can do. 

So i need further assistance getting this removed from all three credit bureaus and also remove my liability from this card since i never opened a card with barclay ever.
To whom it may concern : I am not sure where else to turn to complain about 'Fedloan Servicing, ' the company that services my student loans, as their own website does not have a section dealing with customer satisfaction or complaints. <P/>I am currently on an income-based repayment scheme ( this is my third year on it ). To make my story  short and sweet, every year ( 3x now ) that I have had to send in income documentation regarding how much money I make ( 1st as an XXXX XXXX through the XXXX XXXX XXXX ; 2nd as a XXXX XXXX XXXX XXXX XXXX ; 3rd as a XXXX XXXX at XXXX University ), Fedloan Servicing flat out rejects my application because I have not stated my " gross annual salary. '' After calling them for days at a time, and getting contradictory advice with each representative I talk to, I finally talk to someone and explain to them that all the information is there, including how much my gross salary is. <P/>It takes them 1-2 months to process the initial request, then they reject it. Then, after they realize they have made the mistake ( not myself ), they tell me I have to wait another 1-3 months to get it re-processed, which makes me lose out on " payments '' for the particular IBR scheme I am on ( 20 yr plan, after 20 years of payments, the loan is forgiven ), which, if they do this every single year for 20 years would add a few years onto my payments. <P/>My simple point is this : Fedloan Servicing consistently makes simply administrative errors, penalizes the customer, and only after repetitive harassment from said customer, do they actually ever do their job. I am only 3 years into dealing with this company, and I really can not believe that the federal government allows them to service loans in the taxpayer 's name. <P/>It is extremely frustrating ( not to mention demoralizing ) to have to call these people constantly, a company that does not seem to deem either customer service nor actual knowledge about student loans a priority. <P/>I hope this can serve some use. On another note, how in the world does it take 3 months to process an income payslip to prove how much money I make? It is literally one piece of paper. <P/>The attachment below shows the income documentation I submitted to Fedloan Servicing. I was told that it was rejected because they did n't know how much money I was making ... seems clear enough to me. Furthermore, I submitted documentation in XXXX of 2017 for job starting at the end of XXXX because I KNEW they would mess it up ( like they did last year ) and take months to figure it out. <P/>XXXX regards.
I like many American borrowed and took out student loans to be able to attend college and better my life for my self and my family. Upon completion of school at the 6 month mark for repayment to begin I contacted Navient/XXXX XXXX to apply for their " income based '' repayment plan. It was much to my surprise that when the statement started coming in their " income based " plan was anything but that. Between the loans that I had they were seeking over {$2000.00} per month, this while barely making {$32000.00} before taxes. They did let me apply for " debt consolidation '' which did lower my monthly payment, but in return added nearly {$20000.00} extra in interest to my loan amount. You can only imagine my shock when I got this new total. I like many Americans have no choice but to " pay the man '' what they want or risk losing everything by wage and tax garnishment. If I had known how these companies worked against people rather than to work with people I would have never taken out loans to help pay for school. I do not deny that I owe the money that I borrowed, but the additional interest charges and the amount they are charging to have one payment per month rather than 2 or 3 should be illegal. I will be paying at full payment until I retire from work. Something needs to be done about companies that prey on the needy or the economically struggling people.
Wells Fargo is incorrectly reporting the status of a closed loan. The account in question is a closed line of credit for {$20000.00} being reported for two ( 2 ) separate negative attributes : 1 ) Late payments made during the life of the loan ( with which we agree ) and 2 ) " Late 30 Days '' on a loan with a {$0.00} balance that is closed. We have repeatedly tried to get the " Late 30 Days '' removed from the report, but Wells either does not understand that there are two ( 2 ) separate issues or they are not bothering to address them both. Again, to point 1 ) WE COMPLETELY AGREE that we were late on some payments for the account but to point 2 ) we are asking that Wells Fargo remove the " Late 30 Days '' indicator from the credit bureau since it is impossible for an account that is CLOSED with a XXXX dollar balance to have a CURRENT STATUS of " Late 30 Days ''. It is unnecessary for them to produce documentation showing that we were late on payments, WE AGREE THAT WE WERE LATE in payments. Rather, we are saying that the loan is not CURRENTLY 30 DAYS PAST DUE.
My personal financial data was breached and an untimely notification was given to me ( it had been exposed for several months ) by Equifax. I am now at greater risk of identity theft / fraud as a result of negligence on Equifax 's part.
I have a company coming after me for payment of debt collection but the debt has been paid and settled. I asked them to please stop contacting me and to remove all negative remarks and they won't.,
I would like to obtain help with understanding how my finance company is calculating payments and the amount of time a payment is late. in XXXX I was {$640.00} behind on my payment. On XXXX XXXX my vehicle was reposessed. On XXXX XXXX I paid {$750.00} to have my car returned. That according to them left me awith a {$100.00} credit. A few days later they were charged a {$250.00} repo fee. That left {$150.00} of repo fee, not payment owed. I then made payment for XXXX on XXXX XXXX. of my standard payment of XXXX. Still leaving the repo fee owed. I am not disputing owing the repo fee, I just dont feel that the fee should be accounted into my days behind on my regular payment as they are XXXX seperate items. Since the company is counting the repo fee as a past due payment, they are claimim=ng that my entire payment is more than 40 days past due, which is not the case. My standard payment of XXXX was due on XXXX XXXX when I paid XXXX payment but because they are counting repo fee as part of my payment, they are unwilling to offer an extention for my standard payment.
Am late on a student loan payment which I just have not done the bills yet and it is under 30 days late. Navient gives my information to XXXX XXXX and they call every hour at least. I already told them it will get paid and to leave me alone.
I 've repeatedly contacted Trans Union regarding my XXXX account, listed as # XXXX The balance and credit limit Trans Union lists on my credit report are both wrong, and despite my submitting copies of my most recent statement to Trans Union on XX/XX/2017, providing evidence of their incorrect information, they continue to list a balance when the account is paid in full and a credit limit much lower than is true.
I filed Chapter XXXX Bankruptcy in XXXX of XXXX and it was discharged in XXXX XXXX. My husband XXXX and we incurred over {$200000.00} in XXXX debt after the BK discharge and then in XXXX XXXX I was laid off of my job. I obtained a new job very recently and when Seterus took my mortgage over ( XXXX payments due ) I told them after they called me relentlessly that I was a discharge BK and I had NOT reaffirmed the debt. So I explained that they can not call me like this. However I did tell them that I wanted to work something out. But they said I needed a months worth of paystubs. I told them I would n't have that until XXXX at which time I would send in the workout package and begin the process. However they seem to ignore the laws regarding bankruptcy and continue to call me several times a day trying to collect payments. I understand they are a new servicer but that is why I informed them on DAY XXXX that I was a discharge BK so that they knew they were not allowed to call me like this. I have had enough and am seeking legal counsel at this point because apparently Seterus feels they are above the law.
Midland Funding Credit Management continues to call in reference to a debt that was settled last year XX/XX/2016. Receiving several calls a day from different numbers.
I was refinancing my home from XXXX lines of equity into XXXX fixed rate loan. I contacted a loan officer with Wells Fargo that gave me extremely poor customer service. This customer service has been documented as I was eventually contacted by another employee that was able to assist. The customer service issue took a month away from getting my application completed and submitted. This was a time sensitive matter for me because my maturation date was approaching and I just gained employment in XXXX of 2014. The application was submitted in XXXX of 2014. Closing was not until XXXX 2014. Almost 5 months to close on a loan with an existing customer. During the approval process the loans matured in XXXX of 2014. My credit score went from an XXXX to a XXXX. After closing I was instructed to contact Wells Fargo Mortgage and seek assistance to correct credit score. They would not assist me in the correction so I am filing a complaint.