WillisBack/dataset-financial-user-claim huggingface dataset:
I have been trying to get a payment history from Navient for about two years, with an explanation on how they came to the balance they have as it looks to be nearly 4x what I believe it to be. They refuse to provide a history of any kind or copies of the loan documents to show they are able to charge fees on the account. My loan is approximately 20 years old and I want to see what I agreed to.
I previously filed a CFPB complaint which they only provided a generic response that I would have to call them. They have never, in nearly 2 years, provided a payment history or loan documents despite numerous requests. Calling them does n't provide the payment history or the loan documents and given the conversations previously, I would prefer all communications to be in writing. I absolutely do not want them calling me.
Navient has intercepted my federal tax refund, with a pending dispute on the loan, and still I have no idea what the balance is or how they came to that number. This seems patently wrong - how can you intercept funds, without proving those funds are owed?
The status of my XXXX XXXX XXXX account was erroneously changed. This account is PAID IN FULL. Equifax was reporting this correctly and it suddenly changed to " late '' status.
I went to make a purchase for approx  XXXX  fro   XXXX   and I received a text message for verification. I responded with yes and I was told I had to call. I called and verified all of my information only to be told they still declined my card and If I wanted to use the card I would have to stay on the phone while I was making the transaction. I asked why did I have to do that and they said it was to  protect Chase.  I asked them why do I pay a yearly fee of  XXXX  to  XXXX  if I cant use the card at will. I was placed on hold for ov er 35 minutes only yo keep getting transferred. The CRS representative even referenced that a type of   purchase my have been because of my culture referring to me being of  XXXX   XXXX  decent. I asked to speak to manager and the manger was no help at all. I had to end up spending more money to get the same items and it was a difference of  XXXX . I thin k Chase should a t least credit my account for the yearly service for all of the inconvenien ce and racial under tones.
I have had nothing but trouble with a chase bank line of credit. The balance is about XXXX. I pay about XXXX per month, although i have been paying extra monthly toward principal. This is the situation. XXXX in 2013 i attempted to refinace my home with XXXX Bank. I still have all emails regarding this. Due to my difficulty in getting a sobordination from Chase i could not refiance at the low rate. It went up during the time i was doing this. In addition my amount was XXXX available but they refused to provide a sobordination unless i signed a paper ... forced lowing my amount to what i owed which was about XXXX. I had no choice..blackmail. Due to their delays and the requirement which took time, i did not get to refinace. Now i have been approved to refiance with Harp at XXXX XXXX. My credit is about XXXX and i have no " dings '' on credit report. At that time in 2013 i paid for the sobordination but never acutally got it or used it as i withdrew my refiance due to all the delays raising amount of interest. Not worth it. Now i would like to refiance and i dont feel i should again pay for this. Especially with the incident i am also complaining about that occured this week. I went to make my payment. I had called to find out the grace period, as i always pay in person and i was out of town on the XXXX the date due. I found out i had 15 days with no late payment. So on last Tues I went to make my payment at the Chase Bank at the XXXX, Fl Branch XXXX. I had the ck written for XXXX as i have done that to pay part on loan and part on principal. They REFUSED to take the check. the insisted it was late and the balance needed to go for late fee. The manager, not to bright, came out and agreed. I called Chase on phone ( they say recorded XXXX these calls XXXX and they verified no late fee. I then took my phone, called chase and put the manager on the Phone with Chase. They advised him no late fee. They had to tell him how to do his job. I had another appointment ( XXXX per hour ) that i could not go to dealing with this treatment by this bank. Then, after hanging up he made me write a new check for the exact amount. To DATE i have not been about to pay on the principle.I then wrote a XXXX check to go to principal. The BANK refused to accept the payment toward principal. I was in a hurry and did not again call Chase to teach this manager how to do his job. So i will be charged interest i should not have based on extra payment. What a bank not allowing you to pay toward principal???? He told me to mail it.
I feel like I was financially damaged by Quicken Loans in Michigan. I told them before the loan was approved that I was on a fixed income and could afford no more than {$550.00} a month in payments. It is an FHA loan and the payments were calculated to be {$510.00} a month. I added the additional to pay down the principal and have paid $ XXXX/mo consistently, never late. Here recently, I received a notice from Quicken that they had miscalculated my escrows, not by a few dollars, but by more than {$1000.00} per year. That made my mortgage payments go up to an unaffordable $ XXXX per month, and then an unaffordable $ XXXX per month after I had to borrow the money to make up for the missing escrows due to their error. This is more than {$100.00} more than I told them I could pay from the start. Had they done the escrows right by HUD regulations, I could have turned down the loan or lowered the amount borrowed at least to make it more affordable. I am on XXXX and ca n't afford those payments and they have substantially jeopardized my ability to keep my home because of the calculation error, and upped the payments more than {$40000.00} over the life of the loan. I informed them that my taxes were going to be around {$1400.00} a year after the homestead exemption was filed, and they based the tax escrows on those of the previous owner who was over XXXX and was only paying {$140.00} a year under a property tax freeze that I do not have. Also, he got an 80-percent reduction on the county school taxes because he is over XXXX, and that amount should NOT have been used to estimate my property taxes. They were supposed to use the amount I gave them and now it has substantially increased my mortgage payments beyond what I can afford on XXXX.
I missed my XXXX mortgage payment due to a family emergency, on XXXX XXXX within the grace period on my mortgage, I made a payment by phone for both the XXXX payment, the late fee for XXXX, the XXXX payment and an additional principal payment. I explained to the representative exactly what I was paying. Upon receiving my mortgage statement for the month of XXXX I learned that that the servicer had charged me a late fee for XXXX and had not made my principal payment instead they had placed that money in a suspense account, so I called them and told them about their mistake. Told them that they needed to reverse the late fee and apply it to principal as they had been directed to when I paid them and to be sure to back date it to the date the payment was made and to apply the money they had placed in a suspense account also on the date the payment was made. They have taken that money out of the suspense account and applied it to the principal as of XXXX XXXX, 2015, on XXXX XXXX reversed the late fee and applied it to the principal but did not make the effective date XXXX XXXX, so I am being charged interest for XXXX days that they had my money. I then sent them a letter regarding the continued billing error. On XXXX XXXX, I made my mortgage payment using their online payment option, I completed the form indicating that I was making the XXXX payment with an additional {$100.00} to be applied to my principal. I received my billing statement from them again, and this time they had placed my entire payment and principal in a suspense account and were showing that I was deliquent and still owe for XXXX and had charged me another late fee. I sent them another letter telling them that they needed to apply my payment as I had indicated that I was not deliquent and to reverse the late fee. I got a letter back from them stating they were investigating the matter and it could take some time. They have yet to correct XXXX 's mistake, or the mistakes made in XXXX, my XXXX payment has been made using their online service just like I did in XXXX, I indictated that I was making my regular payment plus {$100.00} additional to principal. They have placed that money in a suspense account and are charging me a late fee again, sending me notices that I am two months behind. I have also sent them a letter regarding this error, reminding them about the XXXX error they have not corrected and the XXXX errors they have not corrected. I have also been in contact with the actual owner of my mortgage who says he is trying to get them to correct the errors. This is now the XXXX month in a row, I am being reported XXXX days behind, and am accruing more interest everyday.
Bank of America failed to properly answer to my complaint filed on XX/XX/XXXX, somehow you or them marked my new complaint dated XX/XX/XXXX as, ( duplicate of the complaint before this one ). But it is not a duplicate it is a new complaint based on their failure to properly address every issue of my complaint. 1- I asked for the information about the XXXX trust that they stated is the lender/creditor of this alleged mortgage loan. 2- They did not prove that they have, or had had any rights to collect payments from this alleged loan. 3- they did not provide a true payment history of all the monies that they collected from me. neither showed any electronic transfer of payments made to the alleged trust. 4- They only sent an audit history full of discrepancies and unapplied payments. They also had the audacity to send fabricated copies of the trust deed and promissory note with computer, robo signing. 5- They failed to disclose who is the pretender custodian of the documents of this alleged loan. 6- they failed to disclose the name and address of the pretended trustee. 7- They failed to disclose where the alleged balloon payment due at the alleged maturity date of such alleged loan came from. The truth is that this bankster never owned the alleged loan, this loan was satisfied/discharged. The truth also is that neither the originator XXXX XXXX XXXX nor the predator XXXX were the lenders of this alleged loan. This alleged loan was funded by the sell of my signature to the multiple investors of the trust XXXX  XXXX. This trust was closed on XX/XX/XXXX and dissolved on XX/XX/XXXX according to the records on the Security & Exchange Commission. This is not a duplicate, Thanks.
I am filling this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ..Promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you
An unknown medical account appeared on my credit reports. I contacted all three credit reporting agencies with a notice of dispute dated XX/XX/XXXX. Both XXXX and XXXX  promptly removed the inaccurate entry from my credit reports and sent an updated copy. However, Experian said they verified the entry with XXXX XXXX and it was certified as accurate by them. I sent XXXX XXXX a dispute letter ( see attached ) via tracked priority mail they received the dispute on XX/XX/XXXX, proof of delivery is attached. I have had no response from XXXX XXXX and under credit reporting law the period for them to respond has elapsed. I sent Experian a letter, via tracked priority mail, along with a copy of the dispute letter that was sent to XXXX XXXX and informed Experian that no response was received from the company that supposedly certified the entry was accurate. Experian responded by placing a fraud alert on my credit report, this was never requested. Then in one day they sent back a letter saying they had investigated and once again the XXXX XXXX  certified the entry as being accurate on my credit report. Obviously Experian used the previous certification, if Experian ever even asked for one, of the entry as even the " provider of the information '' can not provide any backup information regarding this entry. Experian must feel it is less costly to not properly investigate the inaccurate entry on the credit report than to follow Federal Law stating that credit reports must be 100 % accurate and that unverifiable data must be removed.
Hi, have been struggling to repay my NJCLASS loan. I have approximately 96000 to repay and my monthly payment went up to XXXX a month after they gave me the option to do there reage program. I have been in and out of work for the past three years and my student loan almost reached default status until they offered be to do the real program which only raised my student to the XXXX dollars I pay now. I am married with XXXX small children in day care just to work in a field I did not go to school for. And because NJCLASS does not offer income based payment or lower payments. It makes it very difficult for my family to manage our finances. I would like to see this loan forgiven due to me not having work in the field I went to school for, or would like them to offer incomes based payments
My name has never been XXXX not have I ever lived on XXXX XXXX XXXX, TX XXXX I will print my credit report and view all of it to determine whether any of what is reported is n't mine. 

thanksXXXX XXXX
I have repeatedly tried to login to my account online, but the site claims that I have no record of a Navient Loan, formerly Sallie Mae. I have been offered a variety of repayment options, none of which I can particularly afford. I have also agreed to some of those terms, and the payments were rarely allocated to my account. I am not really sure how to pay when the customer service agents don't call back or accept my payments when I call in. Overall I am not really sure how to resolve my balance which is 110 % more than what I borrowed. Don't get me wrong, I am absolutely willing to pay, and attempting to pay, but there doesn't seem to be a clear way to do so.
XXXX / XXXX / 2017 , Discover Bank created a check and called it check no.  XXXX  in the amount of  XXXX  against my account. they fraudulently signed my name and put under it By Discover Bank, authorized agent. I was shocked when I saw this. I never knew anyone could do something like this. This is literally stealing money from my account.   XXXX  I never authorized this and have tried to get them to refund my money but they refuse. They claim I agreed to this over the phone but I never did.
I was a XXXX XXXX customer between XXXX XXXX and XXXX XXXX. In XXXX XXXX, I discontinued my FIOS service. XXXX charged me a {$130.00} " early termination fee '' ( ETF ), alleging that I had agreed to such a fee previously. However, I had never entered into any contract with or agreed to any " early termination '' clause with respect to my FIOS service. I asked my bank, Chase XXXX XXXX XXXX, to mediate the dispute. After contacting both sides, Chase issued me a refund for the {$130.00} that had been erroneously and illegally charged to my account. I naively assumed that the Chase XXXX decision would settle the matter. 

However, XXXX continued to pursue me for this money, even after Chase XXXX resolved the mediation in my favor. XXXX referred this debt to a collection agency, Chase Receivables. Chase Receivables continues to come after me for this debt, despite the fact that I have explained in writing why this debt is invalid. Furthermore, this alleged debt continues to be a black mark on my otherwise good credit report. 

I have contacted the XXXX Reporting Agency, XXXX, but they refused to remove the offending item from my credit report without offering any explanation. 

I am contacting the CFPB for their assistance in mediating this issue with Chase Receivables and to help remove this black mark from my credit report.
This is a debt that doesnt belong to me I dispute this account on my credit back in 2015 and it was removed. Now its pops back up maybe a month ago so I dispute it again asking for proof of verification. I get an alert that the account has been removed again ok great. But no today I get an alert that this account is back on my credit but now the bill is more then double. This is not my account and they are lying to the credit company ' s which now is affecting my life. They are calling me from different phone numbers.
Yet again, another TransUnion complaint. TransUnion has an XXXX XXXX ( closed ) account on my credit report in the amount of {$8000.00} from XXXX. 

Although the account is listed in good standing, {$0.00} balance and closed this is not my account. I filed a dispute with TransUnion approximately 1-1 1/2 years ago. I had received a call from them stating it would be removed. That was in XXXX. As of today XX/XX/XXXX it is still showing on my credit report. 

I once again asked them to remove and why it had not yet been removed, in true TransUnion dismissive fashion, they could not answer and had no explanation.
When recently signing paperwork to open a checking account at Chase Bank, three separate banking staff members assured us, when we expressed concern at the need for a credit check, that the credit check would only be a " soft '' one and not impact our credit. 

However, upon reading the documents I signed, Chase was requiring that I permit a full credit check and/or employment check, at their discretion. 

I am wondering if there is any recourse when verbal assurances are contradicted in the printed governing document, for consumers who are not savy enough to check fine print to confirm what we 've been told, repeatedly? 

Chase should not allow their staff to assure that these checks are " soft '' pulls of an applicant 's credit. To me, this approaches a predatory practice, with deceitful verbal assurances. 

Thanks for any help you can provide.
our heater went out and I had been in and out of the hospital, we needed a new heater and was rushed into using greensky. I am an XXXX year old, XXXX XXXX, XXXX vet. the payment started out at XXXX dollars a month, then they doubled the amount. They knew I can only make one payment a month, but they want XXXX the new heater still is not working as a result my daughter has become very ill, at XXXX in the morning they wake her up with calls. they are rude and demanding. I am paying them, every month. but they insist on more. I did not have time to check before hand, but after I found numerous complaints about them.
Our mortgage was sold within a year of purchasing our new home. We have never missed payment on our mortgage, however it shows up on paper that we missed payment on our mortgage because we were never contacted by the new mortgage company ( Homebridge Financial Services ). We also have a new problem, because our mortgage was sold again in XXXX and our mortgage has been incorrect for three months and the new company ( XXXX Mortgage ) has not corrected it. There was an escrow shortage that we paid in full to Homebridge to reduce our monthly mortgage. As soon as we paid the escrow shortage our mortgage was sold to XXXX Mortgage. We have had to call for three months to get current amounts due corrected and this XXXX will be month four. Every time we talk to XXXX Mortgage, they tell us they can see that we paid the escrow shortage and will get it corrected however it has yet to be done. Due to all of these problems our credit has now been negatively affected when there should have never been a problem because every mortgage payment has been paid in full.
AFNI company sent me a collection notice trying to collect a debt of {$1600.00}. I do NOT have a contract with AFNI, and I am NOT liable for this collection for this debt from XXXX. I am requesting that AFNI cease and desist all collection attempts. I do not have any accounts with XXXX either. I am also a victim of identity theft.
I filed an identity theft report with FTC as someone has stolen my information. I did not request any credit and have frozen my credit with XXXX. My credit report states the inquiry was made on or around XX/XX/XXXX for a travel/entertainment card. 

The requirement of the Bank to respond to credit bureau disputes is outlined by the Revision of the Fair Credit Reporting Act Section 312, effective XX/XX/XXXX. Under the provisions of FACTA/FCRA, upon receipt of a credit bureau report dispute from a client, the Bank must immediately place a dispute code on its subscribing credit bureau reports.
XX/XX/XXXX XXXX, GA XXXX Director XXXX Consumer Financial Protection Bureau XXXX, IA XXXX Headquarters address Consumer Financial Protection Bureau XXXX Dear XXXX ; Please allow me to introduce myself. My name is XXXX XXXX. I purchased a home at XXXX XXXX XXXX in XXXX XXXX. I was returning back to the US after servicing my country not in the military but as being XXXX of the XXXX based in XXXX. 

I invested my life savings of {$200000.00} on the home. Today I am exploring foreclosure options with Select Portfolio Servicing due to a XXXX in XXXX. I am XXXX today. 

I believe that I was defrauded by XXXX at the time of my mortgage origination. 

An uneconomic and irrational payment structure. 
My mortgage principal and interest is less than my monthly property taxes and insurance. 
After a modification my monthly mortgage payments are higher than my original payments. This was a negative Home Affordable Mortgage Program experience. 
My Principal Balance today, XXXX, after 16 years is higher than it was in XXXX. 

Reccomendation Please conduct and audit and analysis of my mortgage modification and complete history with XXXX, XXXX and SPS. 

Please assist me in receiving a debt " cram down '' valuation base of my history for the mortgages. For example, my total payment from XXXX to XXXX approximates my original principal debt or {$990000.00} in payments vs. XXXX in original debt. 

Thank You. 

Sincerely, XXXX XXXX SPS ACCOUNT XXXX XXXX XXXX XXXX AMOUNT PRINCIPAL {$760000.00} DEFERRED {$140000.00} PRINCIPAL {$900000.00} MONTHLY PMT PRINCIPAL {$1100.00} INTEREST RATE {$1200.00} {$2400.00} ESCROW {$2500.00} TAXES INSURANCE