WillisBack/dataset-financial-user-claim huggingface dataset:
Navient is my service provider and I have been trying to get an income based assistance for over 2-years now and each time I attempt to apply for assistance I get pushed into a forbearance, which has increased my loan over {$2000.00} ; each time I apply for income based assistance I never receive the paperwork and then I 'm forced into a forbearance to avoid going into default. I do n't know where to turn for help.
This is a continued case from Compliant # XXXX I received 2 calls both a message with no person 's name just a voicemail to call HomeBridge and a phone number. ( Very unprofessional ). When I called back they said that everything is cleared up on my account and that I did not owe any past due amounts. They said I would receive a letter any day about them sending a notice to a 3 credit agencies to remove any negative marks. ( I did received the letter ). After our conversation ended, the rep called me back and told me that I actually overpaid all this time {$2700.00} and asked if I wanted a check. I told the rep that it was suppose to be applied to the principal all this time. I told him I would discuss with my Husband and my bankruptcy attorney. I received the 2nd call no name just voicemail and I called back they said my loan will be transferring to a new mortgage company. I told the lady rep that I wanted them to apply the {$2700.00} to the principal. She said she would make note. 
In regards to the letter from Homebridge
( see their response on the previous C
ase # XXXX. My comments to this letter are : I received a escrow statement they sent to my lawyer every year except XXXX. By LAW they are to send every year 's escrow payment to the bankruptcy lawyer and file with the court. They did not do this for XXXX. My bankruptcy confirmed they did not file with the courts per court records. Homebridge does say due to an inadvertent staff member error .... I never saw a past due amount on the escrow statements I received in XXXX and XXXX and paid what the new amount was. The letter further says that I told them to apply part of the {$2700.00} over payment to my XXXX mortgage and apply the balance to the principal. I did NOT tell the rep this. 1st of all I had already paid my XXXX payment. I told her to apply all the {$2700.00} to the principal. They need to go back to the RECORDED call! I do not yet again want the {$1700.00} I just paid for XXXX mortgage to be setting in Homebridge 's savings account getting interest when I said to apply all of the over payment to the principal. 

All of this time that I have been paying extra to go toward the principal was going to Homebridge 's account earning interest for them while they were sending remarks to my credit agency. This also caused me to pay more on interest since it was not being applied to the principal. I do not think this is fair. Finally there is a Monetary relied amount listed of {$340.00}?? What is that? I haven't seen that and that is nothing compared to this mess and time I have to waste on something due to HomeBridge 's employees errors. 

To make this all worst!! I received another statement 2 days ago with past due amounts AGAIN {$1300.00} pre bankruptsy and {$1800.00} past due???. This is not cleared up and now this will be reported to the credit agencies again! I would like these past due amounts to be taken off my account ( see statement attached ). I may have to take additional means to get this cleared up.
I am attending XXXX University ( fka XXXX XXXX XXXX ) to obtain my XXXX. For the XX/XX/XXXX-XX/XX/XXXX school year, I obtained approximately {$20000.00} in financing from Sallie Mae with a 2.25 % variable interest rate reduced to 2.00 % with auto debit. For the XX/XX/XXXX-XX/XX/XXXX school year, I applied for a {$35000.00} loan from Sallie Mae with a 6 % variable interest rate. I was shocked by the 4 % increase given that my credit score is still XXXX and nothing else in my credit history has changed. Sallie Mae advisors confirmed that my credit score and history was not materially different but would not tell me why my rate increased. After multiple phone calls, I was told that I could not be told the reason for the 4 % increase because it is " proprietary information. '' I find that hard to believe as I used to be a commercial lender and we always had to be clear about the reason for rate increases.
My student loan company is increasing the payment amount from XXXX to XXXX under my IBR plan. Despite that the fact that my income actually decreased from XXXX in XXXX until XXXX in XXXX. My wife is XXXX and I am the only breadwinner. I have over $ XXXX in student loans. This is not right. I have had to make 4 attempts to apply for IBR. I have repeatedly tried to resolve this issue with them but they continually insist they are bound my law.
Everyday for about the last 6 months I have received a phone call from the same phone number, XXXX. It appears to be from a collection agency, the number located in XXXX, CA. They never leave a message.
I made an settlement in exchange they will remove the negative item from my credit report. I paid the settlement and the comment is still there They did not follow the agreed agreement.
My private student loans are serviced by AES. Over the years I have had significant difficulties with the loan servicer not providing accurate information in regards to my loans. More recently, I attempted to have my parents released as co-signer of my loans only to find out that after a few years earlier being told that I could have them released after a certain period of time, I learn that I was denied co-signer release because the terms of my loans do n't have a co-signer release due to the years they were dispersed. When I question who the owner of my loans are I have n't received an answer. I originally borrowed from XXXX XXXX XXXX and on my credit report as well as my parents credit reports it says NCT. I have been requesting from AES proof of who owns my loans as well as contact information for NCT for nearly 2 months now and I am told that they do n't have information to contact NCT. It took them nearly a month to provide me with my original promissory notes ( finally received them yesterday ) and even after very very careful examination of the fine print of those promissory notes not anywhere in any of the documentation does it state anything in regards to a co-signer release or that the loans are not eligible for co-signer release. I have demanded that AES provide me with documentation of the co-signer benefits and stipulation but have yet to receive much more than a generic almost computer generated response. Even when you call them it seems as though the customer service reps are trained to respond in certain ways and that their knowledge is lacking as well as their customer service skills. I 've seen news stories on how NCT likes to sue people for not paying their loans but then when they get to court they cant prove that they are the owners of the loans.
XXXX, Experian and XXXX XXXX are not responding to any of my numerous requests to investigate, verify and remove accounts from my credit reports/files that do not belong to me.
XXXX XXXX does not have a valid enforceable contract. I timely reported the vehicle to be turned in when I was no longer able to pay the loan. Any monies, if they were ever received from the auction of the vehicle should have been applied towards the balance of the loan. I have no knowledge of auction or any results from my many letters and disputes. I disputed the debt many times and requested validation. I also requested the item be removed from my credit due to failure to properly validate. Equifax failed to conduct a proper and thorough investigation that I am entitled to and failed to review all the relevant documentation provided already in their possession thoroughly enough thus violating their duty under 15 U.S.C. 168ls-2 ( b ) ( l ) ( A ) through 15 U.S.C. 168ls-2 ( b ) ( l ) ( E ). 39. With the failure to request removal of the XXXX XXXX trade line stating "repossession",  my credit score, a benchmark for near all facets of life in today 's society, was artificially deflated. XXXX XXXX 's actions were negligent and willful and wonton.
XXXX XXXX is reporting to XXXX that I opened an account in XX/XX/XXXX and charged off {$60.00}. I believe I have reached out before because a update was done by them this month but still reporting a charge off with balance owed. It was opened the same month someone opened a XXXX account in my name. There is also a couple addresses on XXXX that are n't mine but one my ex gf. I moved out of state before those accounts were opened. XXXX refuses to remove themselves off my credit despite me disputing and I know they do n't have proof because it 's not mine. XXXX removed the balance I disputed couple weeks ago. I want this removed or I will be forced to take legal action.
Respected Sir, I Vacated an Apartment in XXXX and while I was staying there on Notice period, no one came for Inspection on premise. When I vacated I got a huge bill of XXXX PLUS XXXX, Stating proper notice was not given and lease was broken. But when I reminded about my submission of my employer letter, they then reduced the amount. 
Then again in the new bill, they mentioned they replaced kitchen counter top and charged me, which was fine when I left.Then I asked for proof like photo, which was not sent. Then National credit system called me as a collector for debt and I mailed XXXX that I DISPUTE claim, still they went ahead with collection agency. Collection agency mentioned if out of XXXX, I owe I pay XXXX ( minus countertop ) they will not report to credit beaureu and I paid that. Inspite of that, now when went with home purchase, to my surprise, because of remark from National Credit system my loan was rejected to low credit score.I called national credit system then told If I pay remaining another XXXX USD to settle in full they will remove it. Still now I can see a statement saying Settled less than full amount in Credit score. National credit also issued me a letter that I owe nothing. Still it is appearing on credit report. I have been a law obeying and good person, but such incident has left me shattered. Please help me, when I have Disputed the claim, how was this handed over to National Credit system. Why did national credit system say that once I pay for amount minus Countertop replacement which was a dispute, they will not put in credit report and still went ahead and put that. Also now also they are not removing it from my credit report affecting my home purchase and interest rates. Also XXXX reduced the final bill XXXX accepting that original bill was incorrect so is this not means to extort money, if they is no resistance. I have full faith in truthfulness and American Justice so please help me.
From XXXX. They and this company never contacted me to ask anything about this bill. Its not mine. Ive asked them to prove it to me. Nothing. 

Report NumberXXXX Date generatedXX/XX/2018 print iconPrint Your Results Remains + 'icon ' Remains XXXX XXXX XXXX  Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the detail
It is a robot calling. A female voice speaking says, this is an attempt to collect on a business matter.
Hi I have been trying to get this account to update on my credit since XXXX XXXX, this account is keeping my score from updating, and I am trying to purchase a home for my family of XXXX. i paid this joint account XXXX XXXX, XXXX in the amount of {$850.00} as a settled amount to close the account with the company. the full balance on the account was {$1800.00}. They updated the account by subtracting the amount but not closing the account and marking it as settled and closed. All three of the major crediting reporting agency are giving me the same problem, XXXX, Equifax, and XXXX. XXXX  updated it on my wife credit report. All I want to do is repair my credit and buy a home for my family. I have attached a letter that the branch manager gave me as well as my receipt for the transaction.
I was told by a customer service agent that I needed a copy of the police report in order to have this account blocked from my report- I 've provided that numerous times and it is still showing on my report. Please block this creditor ; I 've been telling XXXX for nearly three years now that it does not belong to me!
I had a prior case against a different entity, but this seems to be the same entity under a different name based on what they said when I told them I do not know the debtor. Last complaint number was : XXXX. The current entity harassing me is called CMRE, and XXXX XXXX continues to call after they assured me my number has been removed from their call list. I am not the person they are seeking and they have become rude, threatening, and have hung up on me numerous times.
I filed a complaint against the bank before and the problem still has not been rectified. By the time I spend money in legal fees it will certainly not be worth it for me to try and get answers. However, I do plan to file complaints with other agencies until I am vindicated of this awful trail of unjust events. Starting with the account was a joint account and there were charged that were unauthorized. I should not have to suffer because someone else has done something wrong. Reporting me to XXXX is unfair and especially since the bank has already gotten over in fees. A collection agency kept calling me on their behalf until I just gave in and paid. However, during the process my bank account for my XXXX year old daughter has been closed because BB & T decided to report me and not my husband to XXXX. I have NEVER EVER been in XXXX and this just is n't right. I now think it is a smart investment to hire someone on my behalf to fix this since they want to just play dirty with the whole thing. BB & T is the worse bank to ever have in life and I never thought I would have such a problem with them even reporting ect. However, let the record reflect that I have tried to contact several sources inside of BB & T to help but they are just not qualified to get the job done. There is no XXXX number you have to go in and do everything and unfortunately, I do not have that type of time or means. I am a mother and recently had a XXXX that does n't allow me to even drive. Either way this is a ongoing problem even after their unreasonable request for fees have been paid. I 've been lied to and now cheated out of money.
To Whom it may concerned, Please do the justice and solve these on going dishonest conduct of Navient. I have filed the police reports and contacted them numerously explaining that these loans are not mine, and explained that I did n't even saw any of the original loan papers, they still pursuing me and ask me money to getting out of the situation. When I filed the police report, the detective me that I have to continuously contact them till they drop me. 

Navient Account number : XXXX, default balance : XXXX Forged cosigner School loans were accepted : XXXX XXXX XXXX, XXXX XXXX, CA I am an XXXX  from XXXX 28 years ago, had been diligent with my credit history in last 15 years as in A rating, but after this ID theft cosigner statue in defaulted 5 loans by my nephew XXXX XXXX, my credit score has been completely destroyed to D, from XXXX. 
Though I am not working, but a full time house wife, I had been paying on time on all my credit cards last 5 years, recovering slowly from D to C minus score. May be I am not good in explaining in English to them, or did n't do the proper respond with Navient, but I already sent 5 registered mails with police report copies over last 6 years to Navient whenever I had time, but still my credit are ruined becaouse of Navient and they are still after me causing so much stress grief with many illness. 

This student loan company XXXX XXXX, now changed the name to Navient is pursuing me through collection agencies almost every 6-8 months and finally last year, they said if I give in to pay the amount of {$8600.00}, then they will drop me out of the co-signer obligation of these defaulted loans from my nephew XXXX XXXX. numorously I explained that : these 5 default loans are not mine, my birth date is wrong and my address and employement were written as my sister 's by XXXX XXXX, not mine. Navient said they will permanently leave these 5 defaulted loans record on my credit history that my nephew stole my ID and forged loan documents. 

Now I do n't have anyone to ask to do the justice after numerous trials with Navient explaining these are not my loans, my credit histories are ruined and Navient do n't respond me any more since last year. My nephew XXXX XXXX is practicing law in XXXX XXXX, Ca, he lied to Navient that these loan documents were written by me. Also he drop paying the loans in XX/XX/XXXX, exactly 10 years after status of limitation is expired. Very typical white color crime.
I was harrassed by calls from representatives of 5th 3rd bank about my auto loan payment. I made the payment and they still called me. I told them it would n't show up in their system b/c it was over a holiday and a Sunday but they still asked me why do n't you pay your bills on time. This was the second to last payment on a car loan that I paid on time every month except this XXXX I simply forgot. I asked them to stop calling and they refused. The representative 's name was XXXX and her supervisor was XXXX XXXX - XXXX and XXXX.
In early XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX who currently had my student loan that they were closing and that someone in the near future would be contacting me about my XXXX 's student loans. I had been trying to make a payment online like I usually did for months previously but the XXXX XXXX website would not go to payment page. I called and kept getting an automated response. So it made sense to me that the company closed or went under, it was not completed stated in the letter. About 3-4 months ago, now in mid XX/XX/XXXX, I began getting calls from a debt collector service, stating my student loan was in severe default and I was in collections. I checked my credit report and it stated I didn't make any payments and was severely late. I explained the events to the creditor and asked for official documents of the new lender. I even made a {$500.00} payment over the phone but no official documents were sent to me as requested. So I called and asked again after 2 weeks of no documents mailed, they said again they would mail it to me, another 2 weeks went by and they began calling me for more payments. I explained again I did not receive any documentation from a new lender. I reported the payment on my credit card as fraudulent as l had no documentation of a new lender or what was going on with loan. My credit card investigated, refunded me the {$500.00} and they didnt even send my credit card company the appropriate paperwork to dispute it. I was starting to think this was some type of scam. I was finally given an contact number for the supposed lender, financial group XXXX in NY. I called them a month ago 3x requesting official documentation or promissary note of my loan proving they owned it. Not a single paper of evidence or official document has been sent to my home. I have asked for it to be emailed and they refuse. This debt is showing very poorly on my credit and I can't even make a payment to anyone who has proof they own my loan now. I have no clue what to do at this point. Please help
Last year this company reached out to me by sending me a check in the mail. Ad the advertisement to accept the loan, I just deposit the check. Well I was I just stuck in a place and had to accept the loan. The terms are 9 monthly payments of {$98.00}. When I was reaching the end of the loan after making all payments on time, they blocked me from being able finish the last 3 months of payments. I defaulted. Well they reached out and forced me into a refinancing that loan causing me to start my payment cycle from the beginning. This time made all payments on time and they have blocked me from being able to finish making the payments. The website will not allow me to make a payment because they want me to refinance this same loan from last year to continue making payments. I do not want to do this I want to finish paying this loan off and be done with them. All my payments have been made on time as the requirements of the contact. Last month they called me 2 days after my loan was due asking me to pay them more money. When I had made the payment two days before. The loan place is Covington Credit XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. Their phone. Number is XXXX if I was to default on my loan they would file a law Suite against me.
XXXX  has been non-compliant with removing the unverified account PENTAGON FEDERAL CRE which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that PENTAGON FEDERAL CRE was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Trans Union I sent out letters to Truns Union about charges off that do not belong to me come back unpaid bal some used the cards and the wrong name on the cards they will not take them off also my information was used by someone what I get from Trans Union the run around if keep up I will take legal action they do not keep up with laws and just gave me the run around. Also the accounts went to collection company they are being sued.
I am a single mother raising XXXX XXXX. I have been targeted by lender and I feel this is based on my culture. I know that my counterparts many paid for school out of pocket. As a minority we are are the last hired at the lowest pay scales. I can accept that there is not much I can do about this type of discrimination. Now lender discrimination is a legal matter that should be addressed. I have on credit report 41 different accounts reporting of student loans. Each of these account have changed hands several time without any notice to me as the consumer. All accounts are showing negative payment history. Each lender has baited and switched these accounts for leveraging against me as single parent. I have received correspondence from the bureaus stating that they have removed an account or updated an account. When I look closer I see that they are still circumventing the rules. They are actually responding without even looking at the actual dispute because if I address 41 negative student loans account and the bureaus address one out of 41, they are still omitting the fact. As long as lenders are doing this XXXX XXXX and I have no future because we  can not pay in full student loan debt. I am trying to get better rate but these lenders have my family captured by using this process.
I have an auto loan through USAA. I made an additional payment on the loan outside of the regular monthly payment. Their app automatically triggers the additional payment to allocate between principal and interest on the loan. I tried to fix the payment so it was all applied to principal and it does not allow you to fix the payment. I tried to get them to correct through their chat function and could not. I left them a call back number and am waiting for a response. The app should automatically allocate additional payments to principal. I would like my payment applied to all principal. I feel like this is not a fair feature in their app to the consumer. The default for making an extra payment, should automatically be allocated to principal. The app makes you select principal only ... this should be the default. This occurred X/XX/18.