WillisBack/dataset-financial-user-claim huggingface dataset:
Ditech is the company that services my loan. I make regular payments to be applied directly to the principal in addition to the regular payment. They do not credit the additional payments in a timely manner, which affects the amount of accrued interest which inflates the loan amount and does not accurately reflect the accurate principal amount. Now, Ditech has not applied any of the additional payments that they have received since XXXX. I had so many issues with them not applying the amounts in addition to not taking the automatic payments that I signed up for. I was forced to make the payments myself and I even sent the extra principal payment in a separate check. Their records document that they received all payments but did not apply them. I have contacted them numerous times regarding this. They still have not addressed this. I have been told that my only recourse is to continue to call them. 
Escrow : Ditech sent my hazard insurance payment in the wrong amount and with a wrong account number to my insurance company. The payment was returned ; This started a chain of errors, with them making double payments ( 2 on the same day ) leaving my escrow account underfunded. They notified me that my monthly payment would increase by {$200.00}. They made an escrow advance, which I was charged for to make the payments. They refused to work with my insurance company to resolve this after numerous attempts by the insurance company to rectify this. They flat refused to even contact the insurance company and would not take my company 's telephone calls. I was hung up on, passed around, and generally mistreated. No one could ever find any record of me contacting them. Finally I had to make the premium payment myself directly to the insurance company because they said that they canceled my policy. Luckily for me, my agent was able to reinstate it since there was no history of any late payments. He got a 2 month extension. The money for the premium is in my escrow account and there has been no action since XX/XX/XXXX. Each time I submit an inquiry they keep informing me that I would be contacted ... yet they have not done so. In my last 2 communications I asked to be reimbursed for the payment that I made. The money is there. In addition, I informed them that I would assume responsibility for making all insurance payments myself, and want the amount of the escrow payment to decrease. I made it clear that my escrow payment be recalculated to reflect that they no longer will collect money from me for insurance payments. I have made numerous attempts to resolve this. On most attempts to submit my concerns, I receive a message that they were experiencing technical difficulties and the message was not sent. I can not retrieve the message. They have also informed me that they would probably send me some form to give them permission to investigate my complaints. I have received nothing. 

I charge that Ditech is subjecting me to deceptive fraudulent practices.
Experian is not allowing paying customers to dispute things on line. They are not removing XXXX items from my credit report that do n't exist anywhere in the system nor the original creditor has any record of the XXXX XXXX accounts balance 64.00 $ and 89.00 {$.00} Neither entities have resolved the issue. It is impacting my credit score and ruining my life literally.
After reviewing my credit report, I noticed a bankruptcy and a judgment was on my credit report after speaking with the court they do not report to the credit bureau, they are receiving this from a XXXX party therefor should be deleted
This debt occurred from a XXXX XXXX XX/XX/XXXX. I tried working with XXXX XXXX XXXX as I am on XXXX XXXX XXXX They suggested XXXX XXXX that I did not qualify for. I explained I would try to send in payments when I could, however being on fixed income and all incoming medical bills the payments were not as quickly as they wanted. They then sent debt over to XXXX XXXX. I contacted them on XX/XX/XXXX to explain situation and ask for financial assistance and did not receive anything. Then this went to XXXX XXXX XXXX XXXX XX/XX/XXXX. We again contacted them and tried to send in {$5.00} payments when I had the available money. XXXX then sends to : Murphy Law Office in XXXX, Ohio phone number : ( XXXX ) XXXX. 

I contacted this law office, spoke with one of the attorneys, who very rudely told me I was n't paying enough. I again explained situation and told them I understand the debt am trying to pay it but do not have the funds to pay this debt in full and will have to send payments in. Murphy Law Office has  continued to call my cell phone, if calls are missed they refuse to leave msgs and when I call the office back I 'm getting a voice mail. I have left SEVERAL messages on the office voice mail to again try to work out payment arrangements. This last time I left a msg was XX/XX/XXXX because we sent a {$10.00} payment to the office. We have no form to submit with the payment. Have asked repeatedly how this should be and how applied and they refuse to contact me or have not cashed this check. The attorney or employee I spoke with was extremely rude and arrogant and threatening. There is no reason to act that way or threaten me. 

At this time I think we need a mediator as I do not have a job, have a XXXX at home and trying to provide a roof over her head. This harrassment and threatening action is uncalled for as well as unlawful collection. I would like the company and situation reviewed please.
I have a closed credit card account with CitiBank. I paid the remainder of the balance of {$790.00} on XXXX/XXXX/2016. I believed that the balance owed was cleared. Then I got a bill in the mail for {$8.00} for interest charged on XXXX/XXXX/16. I called to complain and the customer service rep that I owed interest on the balance because interest was still accruing until the day that I paid. I asked where on the bill does it say that I need to pay by " this date '' in order for the interest to stop accruing? I could n't get an answer. Credit card companies should make it clear you need to pay by a different date and not the payment due date. I asked to have the interest waived - they said " no ''. On the bill it says : " As a reminder, we charge interest on the account balance until we receive payment in full. ''
OnXX/XX/XXXX, 2018 I was notified that a debt from Confident Financial Solutions was transferred to a 3rd party source, XXXX on my behalf. I contacted XXXX onXX/XX/XXXX/18 and spoke with an agent, XXXX ( XXXX ID XXXX ) in which she confirmed all information and debt was being handled by XXXX. I was a settlement in the amount of XXXX and agreed to pay amount stated by next business day. Agent confirmed settlement amount would be sent to my email for payment and confirmation of payment would be sent via email from XXXX to myself immediately. I was informed that XXXX XXXX would be updated with payment immediately as well and debt would be sent to original creditor within 72 hours. I received email confirmation as such as well. I did explain to them that I was in the process of purchasing home and would to need have letter or email stating balance was settled and at {$0.00} balance. XXXX informed me that XXXX does not report to any credit bureaus ; only reports to original creditor of any updates. I paid XXXX online with XXXX website on behalf of Confident Financial Solutions. When I spoke with Confident Financial Solutions on Tuesday XXXX I was informed then only that I would have to wait 60 days to have a letter that shows balance was paid and settled as {$0.00}. This was not communicated to me from XXXX nor Confident Financial Solutions in which is delaying my mortgage loan. My family was displaced due to Hurricane Harvey in XXXX 2017 and am currently being stressed to the capacity due to this is the only delay we have because of Confident Financial Solutions and XXXX. This is bad business practice and immorally just wrong. I spoke with XXXX, XXXX at Confident Financial Solutions and was sent a letter only stating account was not cleared. Per the mortgage loan processor, I explained to XXXX the letter would have to state balance was cleared at 0 prior to receiving inaccurate information from XXXX. I have requested to speak with the CFO/COO at Confident Financial Solutions and to no avail. Please help. The XXXX has also been deducted and cleared on my bank 's end as well for payment. This is outrageous and I will not stop until there is a sensible resolution and a letter is submitted to myself and husband that debt is resolved, settled, and no monies are owed.
I used to have Fidelity amex card since XX/XX/XXXX which was switched to a Visa card in XX/XX/XXXX. I used to get a confirmation number when I paid my bill online prior to the switch. Now I am not provided with a confirmation number and the bank says that 's the way it is. This is only online payment that does not provide a confirmation number
Hello, these credit cards debts i owed are over 7 years ago, when i was young n stupid make mistake to let my friend borrowed. If an collection debts is over 7 years, it should n't exist on your credit report any more right?
I tried selling a gold plated " XXXX XXXX '' record display on XXXX for {$180.00} and received an email stating that the person would send me a check for it and extra to cover the costs for the " moving people '' that we 're going to pick it up for him. He went from the name XXXX XXXX. XXXXXXXXXXXX is the email he used.The received the check on XXXX XXXX, XXXX and proceeded to deposit it on the same day. The check was sent through XXXX Next Day Air. The shippers XXXX account number is XXXX XXXX with " XXXX XXXX '' where it asks the name. The street address from where it came from is XXXX XXXX XXXX XXXX, IL with the zip code being XXXX. The check was {$1200.00}. The next day XXXX XXXX, I went to the bank with my mother to withdraw the {$1000.00} I was instructed to do and send that money to a certain location through XXXX XXXX. The XXXX location I went to was " XXXXXXXX XXXX  XXXXXXXX XXXX. '' XXXX gave me his phone number which is XXXX ( XXXX XXXX XXXX. He messaged me and emailed me a name and address of a person to make the money out to. The name I wrote the money order to was XXXX XXXX, the address being XXXX XXXX XXXX XXXX. XXXX XXXX, Illinois XXXX. I filled out the XXXX XXXX and received a receipt with the pin being XXXX. The reference number is XXXX. XXXX refused to respond the following days later. On XXXX XXXX, XXXX, we returned to XXXX XXXX XXXX to deposit a check and create a new checkings account. We were told that there is a - {$750.00} in my account. We were than told that this may have been due to a fraud check. We were told that we would have to pay that amount, and that we were under investigation. I spoke to someone on the phone stating what had occurred.
On XX/XX/XXXX or XX/XX/XXXX I paid {$100.00} on my line of credit at PNC bank by transferring it from my PNC checking account through their on-line system. My overdraft shows a payment of {$100.00} on XX/XX/XXXX. On XX/XX/XXXX, I check came through my checking account that resulted in an overdraft of approx. {$13.00}. I was then charged an overdraft fee of {$36.00} even though I had made a interbank transfer of funds and it was received 2 days before the overdraft occurred. I believe that this violated both the fund availability policy which allows both cash ( available immediately ) and the first {$200.00} of a deposit to be available the next business day ( so XX/XX/XXXX ). In addition, this action further violated 12 CFR 205.
In XXXX 2015 I contacted Navient to set up a reduced Payment plan for my monthly payments. The representative at the time was setting it up for 6 months to bring the account current and then the next 6 months to be paid on time. I had started receiving phone calls in XXXX informing me that I am $ XXXX passed due. I informed that I had a payment plan set up and should n't be passed due. After they investigated they told me that the representative back in XXXX did n't calculate the payments correctly. I had asked for them to correct it to show it not passed due, due to the fact that they had messed it up. They told they would not and that and can only bring the account current if I made the pass due Payment which was n't my fault.
In my follow up to a previous complaint, Iam very unhappy with their response. They are trying to remove themselves from this process yet Iam making payments to them. They suggest I contact the dealership, I guess this is where the runaround begins. I want to know who the " SCUSA '' is and if they are not affiliated with the dealership, how did they become involved in the contract.
I believe Navient has designed their systems ( online in particular ) to be extremely difficult to pay loans off. When searching their FAQ section, there is no section giving information for payoff and to locate the " payoff amount '' requires quite a bit of digging. Even when you locate the payoff amount, making a payment in that amount on the date the amount was said to be good for did not satisfy the loan. Additional interest was charged to the account, likely because their system takes several days to process an online payment. Ultimately we did resolve the payoff of the loan, however my request to close the account has been ignored. I have not had this kind of problem with any other student loan company and it leads me to believe that Navient has taken deliberate measures to make paying a loan off early as difficult as possible.
I wanted to transfer money to my parents for their medical needs in XXXX and saw an ad. about WU Pay so, I downloaded the WU Pay ( Western Union ) in my XXXX. Then made a call to Western Union to understand the process. I was told to add WU Pay as payee in my bank checking account and paid the money I wanted to transfer into the WU Pay. So, I paid {$620.00} from my XXXX XXXX XXXX checking account to WU Pay and WU Pay received {$620.00} from checking account on XXXX/XXXX/2016. After making several calls and emails ; I was notified by Western Union/WU Pay dispute escalation team that they can not find my {$620.00}. I have provided them with cancelled check for {$620.00}, XXXX and XXXX bank statements to prove that they have my {$620.00} but Western Union/WU Pay is unable to locate my money.
My student loan provider is currently Navient. I have been paying my student loans for approximately 5-6 years now and have never missed a payment with them nor any other creditors. In addition to that, my interest rate w/ Navient is 5.75 % on both my subsidized and unsubsidized student loans ( fixed rate ). With that being said, I noticed when going through my payment history that they are applying my payments very inconsistently when it comes to interest and principal. For example, my due date is the XXXX of each month, on XX/XX/XXXX I made a payment before my due date in the amount of {$380.00}. {$170.00} was applied to principal while {$210.00} was applied to interest. On XX/XX/XXXX I made another payment of {$380.00} ( before my due date ) and {$130.00} was applied to principal while {$240.00} went to interest. That's a {$32.00} difference applied to principal. How is there such a substantial difference from month to month when my rate is fixed? It's bad enough that I began making payments towards my student loan in XX/XX/XXXX and none of my payments went towards principal until XX/XX/XXXX. I have attached my full payment history below which has been exported directly from the Navient website.
There is no information of this account on my credit report other than the fact its a negative account in the amount of {$44.00} which is impossible because I have full coverage health insurance and have paid all my co-pays in office. This was deleted off XXXX for this reason after their investigation but Equifax has ignored my dispute.
I received an unsolicited credit card from Synchrony Financial for " XXXX XXXX '. I do n't know of any financial connection to either company. 
I opted out of all prescreened credit card offers as recently as 2013. Therefore I believe XXXX or XXXX companies are violating the law.
After paying off my account Syncrony closed my XXXX Change Account. The account has never has a late payment, and I just paid the account off. Its bad enough that it only had a XXXX dollar credit limit after they lowered it from XXXX dollars, but to close the account for no reason is absolutely ridiculous.
NP Group first contacted me, on a cellular phone # which has been mine for around 8 years, about a debt, which was not mine, on XX/XX/2017 at XXXX by robocaller, I spoke to their representative, informing them that I had no knowledge of the XXXX XXXX they were seeking and asked to be removed from their system. Calls followed the next day, where I again stated i did not know this person, and a third time, where I was accused of lying about having spoken to them the two previous days and when I told them to remove me was told by their representative that he was " not there to take orders ''. The first call was well within their legal rights, but the next two days of calls were in direct violation of both the FDCPA and the TCPA, as they had no business relationship with myself, and when I tried to get information on their company the first several times I was hung up on, before finally getting someone who gave me their address and calling back a separate number to complain. Since getting this number I have received periodic obnoxious calls, both for the XXXX XXXX they were trying to contact and a XXXX XXXX, neither of whom i have ever met, seemingly never having my cellular number removed from the debts and getting brand new harassment every time the debt is sold for a new round of collection attempts. I recognize that there is no legal recourse to have my number permanently removed from the debt documents, but after establishing that I was not the debt holder on the first call all subsequent communications should have ended, in subsequent calls their use of a robocaller for someone with whom they have no business relationship is a direct violation of the TCPA.
I was denied an apartment with XXXX XXXX on XX/XX/18 because of my credit score. Upon looking at my Experian report, I noticed several inaccuracies. When I attempted to contact Experian online, I was told my dispute could not be filed.
I have been requesting Platinum Home Mortgage remove the PMI from my account since XX/XX/XXXX and I am always sent to a loan person to refi. According to everything I have read the PMI is only required to the loan to value has met XXXX %. I have been under that threshold since XX/XX/XXXX. However Platinum Home Mortgage continues to charge me PMI and when I request it be removed they claim I have not met the requirements. The facts are I purchased the home in XX/XX/XXXX at a value of XXXX ( loan amount of XXXX ) making the XXXX % value XXXX ( or XXXX if based off the loan ). I have been well under that mark since XX/XX/XXXX however the Platinum Home Mortgage continues to charge PMI even after I request it be removed. The appraised value is currently over XXXX and has been over XXXX since XX/XX/XXXX when I have began requesting the removal of the PMI. Please help me in having this corrected.
On  XXXX   XXXX , I paid {$1000.00} to my  XXXX   XXXX  card with Comenity bank. The language on the site says that payment posted prior to  XXXX  EDT will be posted the same day. On  XXXX   XXXX , i checked my account online and saw the {$1700.00} in available credit (  XXXX  previously plus  XXXX  payment ). When i attemped a transaction it was rejected. I call the customer service number and again was told I had  XXXX  in available credit through the automated system. The agent on the phone also said thay, but said it was " really '' available. I spoke with the supervisor  XXXX  in Kansas, and she said I would not have any available credit until the payment processed. I asked if there was anywhere where this was disclosed and was told no. She agreed that the wording on the website could be misleading, but I would just have to wait for the payment to process.
XXXX XXXX, 2015, while making reservations for my husband and I to travel to XXXX XXXX and XXXX online, I made a reservation for a flight between XXXX and XXXX. The flight reservations were made using using the XXXX search engine which transferred me to XXXX, who made the reservations on XXXX Airlines. After making of the reservation using my XXXX Airlines Bank of America card, I received an alert in my email from Bank of America. I phoned Bank of America and was informed that they had declined the purchase because it looked suspicious. I advised to make the reservation again. I tried to make the reservation again, assuming that the XXXX was cancelled due to being declined. The XXXX site would not process my request because of the earlier reservation. So I used XXXX to book a XXXX XXXX flight from XXXX to XXXX. When the flight had been confirmed I made a reservation for a hotel room in XXXX using the XXXX site. It was confirmed. I phoned Bank of America and was assured the purchases would go through. 

Yesterday I went on my online account with Bank of America. The account showed that the charges for the flight and hotel were pending. I phoned Bank of America and was assured the XXXX XXXX purchases would go through, and that I could use my existing card for 30 days. I also called XXXX and was told our hotel reservation was still confirmed. 

This morning I checked my online account with Bank of America. The pending charges were no longer there - they had been declined AGAIN!!! The woman I spoke with, whose name was XXXX was extremely rude. 
I called a XXXX XXXX XXXX XXXX for help and was told that the flights were still confirmed. This means we are responsible for payment of confirmed but declined reservations which are non-refundable. Every time I try to make another flight reservation the cost increases. I am sure the same with the hotel. AND I am not certain if future purchases will be declined again. I do not know what to do. Any help will be greatly appreciated. 
Sincerely, XXXX XXXX
Car was purchased from XXXX XXXX it was originally XXXX and was then sold to XXXX XXXX XXXX. The account is over 7 years old but company is using the date it was sold and not the original date. XXXX deleted the account however XXXX and XXXX after repeated attempts including giving the documented proof they refuse to remove the account.
I was giving Wilshire Credit my payments and they send it back to me they made me now delinquent and took my car I, have proof they did that XXXX months in a row not, only that XXXX would call me XXXX times a day harassing me for the money I, spoke with XXXX the supervisor and still did n't have any answers or how we can fix this.
I co-signed for an account with my late fiance 's daughter, XXXX XXXX XXXX, with XXXX in XXXX Florida. The account was opened with XXXX XXXX in duplicate, one for me alone and another for my Fiance 's daughter. When I called the Company Account Supervisor noted the error and told me they would make the correction within 60 days, however this error has shown up as a late payment on my credit report. 
The error account number is XXXX, and was opened on XX/XX/2017. XXXX nor XXXX XXXX has reported me owing money on account that was formulated in error and now reporting non payment on this fictitious account, which was opened up in error. Please help to correct this. My credit is bad enough without someone reporting this error on it. 
Thank You. 
XXXX XXXX XXXX