WillisBack/dataset-financial-user-claim huggingface dataset:
Navient is ruining my life. They wo n't let me re-enroll in an income-based repayment plan because my cosigners need to give financial statements. However, the last time they did it made my monthly payment go UP even though none of them are willing to help me pay. I spoke with a rep at  Navient  who told me if my cosigners call and say they are 'unwilling ' to help, she will change my payment based on only my income. Then I was told she did n't have authority and it went back to the original amount. I now have no means to pay and they wo n't put me in income based, let me put in forbearance, nothing. I told a rep that it 's effecting my mental health and physical health -- -- I ca n't even afford groceries and she responded that 's not her problem and it 's a personal problem I should have with my cosigners. I spoke with the head supervisor, she too said they are unwilling to help. I was denied from student loan refiancing and I have slim options to anything else at this point. Navient right now has me paying for 8 more years, I asked them to stretch it to 30 years - they wo n't let me do that. They are disgusting and this ca n't be ethical.
I opened a new Chase checking account at the XXXX XXXX, FL branch on XXXX/XXXX/XXXX. I had an offer for {$150.00} incentive for a new account. Yesterday XXXX/XXXX/XXXX I received a new coupon for a {$300.00} incentive for the same account I opened. I called customer service today to see if this can be credited to my account and the representative told me she did not handle that I had to go to the branch directly where I opened my account but XXXX did not foresee any issues with my request. I called the XXXX XXXX branch where I opened my account and spoke with the branch manager who said I was unable to get the additional incentive as I am past a 21 day period where this change is allowed. I find this to be wrong as I am a new customer who wishes to have an ongoing relationship with Chase and they can not override this issue? This is ridiculous.
Bayview Loan Servicing , LLC has been harassing and threatening foreclosure. My account is current and has always been paid on time. Per contract my due date is the  XXXX  of each month and I have a 15 day grace period. Bayview has acknowledge and receives all my payments within the grace period, normally  by the  XXXX   or  XXXX  day or each month. Bayview has called me starting on the   XXXX   day of each month, regardless. Additionally, Bayview charges a convenience fee for accepting my payment in addition to my regular mortgage payment.
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I have asked customer service representatives who have called why they have been calling, harassing and threatening foreclosure. Was told that this are normal and acceptable collection actions and practices.
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Previously received calls in  XXXX  and  XXXX . On  XX/XX/XXXX received call from   XXXX   XXXX   at   XXXX   XXXX  . Who escalate the call to management  XXXX  ( did not provide last name ) at ext.  XXXX . Asked why I was being harassed and demanded that they do not call to harass me. If I become late ( which I have NOT ) to notify me via US Mail as all creditors / mortgage companies due.
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I have also asked that they DO NOT call to harass if payment is done on time and to communicate with me via US mail. Bayview has failed to comply to the my requests that they " do no harass me '' if and when all my payments are in time and within the grace period.
Accepted Citibank promotion. Deposited {$15000.00} and was to receive {$400.00} bonus on XXXX XXXX, 2016. After several calls, no action, and the bonus amount is still missing from my account. 
Same issue as Complaint ID XXXX This is unconscionable and outrageous.
On or about XXXX of 2015, ALLIEDINTERSTATE contacted me about certain XXXX XXXX credit card debt account # XXXX. I personally notified ALLIEDINTERSTATE, that I dispute the validity of this debt and requested that they validate the debt under FDCA ,15 USC 1692, to which they failed to do so. 
However, in violation of the FDCA, ALLIEDINTERSTATE, unlawfully continued attempt to collect on an illegal debt in clear violation of my FCRA and Privacy Rights, causing and preventing me from obtaining new credit, secure adequate housing and or a meaningful employment. 
Furthermore, I advised ALLIEDINTERSTATE, that this debt was a direct result of ID THEFT and as such that I am not liable for this debt. I also requested that ALLIEDINTERSTATE provide me copies of said unpaid invoices and name and address of the original creditor to which they failed to do so. 
Upon belief and Information, whereas, the debt was as a direct result of FRAU and ID THEFT, I requested that this account be permanently closed and any adverse information that resulted from this unauthorized use be deleted from my credit report. 
Nonetheless, ALLIEDINTERSTATE purposefully with ulterior motive disregarded the RULE OF LAW and my request causing and depriving me access to housing ; meaningful employment and/or to obtain new credit without just cause or any legitimate reason.
I tried to switch my family phone service to XXXX and was told in store I could keep my phone. I bought phones for other family members but was assured that my XXXX XXXX which was fully owned by me could be transferred to XXXX. After more than a week of trying to transfer the line, working with the store manager and on up the chain, I was told by XXXX that my phone could not be transferred and that the store should not have told me it could be. I had already paid XXXX for new phones for my family, and paid for a week of their service, but XXXX then tried to bill me for a week of service on my phone, which was never operational on their network. I spoke with XXXX and was assured that they would waive this charge, considering I had already incurred significant expense for new phones that were not needed, switch fees, and the charge to switch back to my former carrier.
I am very sick and have had a difficult time making my payments. Wen I did try to enroll in an income based repayment plan, they gave me wrong information and forced me to catch up on my payments in order to get into a repayment program. The woman I talked to said Navient will not allow entrance into the program when the loans are in default. So i scraped up the money literally while she was on the phone getting family assistance, around {$650.00}, and caught up my payments. She then did a review of my finances and told me my monthly payments were around {$350.00}. I explained that we could never maintain that amount because I am not working and my treatment is expensive. She said there was nothing she could do. At my persistence she spoke with her supervisor who agreed with the representative. 
She stated that they could do a review of my cosigners to see if that could lower my payments. I wanted to do this. She said I had a month to have them call in and to not let my loan default, otherwise I would still be denied for income based repayment. After two weeks, my cosigners had called in- so I called Navient back to discuss my options. The man I spoke with said that because my loan WAS N'T in default, I could not be placed in an income based program. I almost lost my mind. I told him what the representative before him had said. He said she gave false information and that I had to call back once the loan defaulted. So some of the {$650.00} I scraped together could have been used for my medical treatment, but instead was given to Navient. 
I am also one of the people they insisted on putting into forbearance instead of a payment plan- now I am out of forbearance when I need it most. 
They have also given me false information about when programs I am in have ended. So I thought I was in a program for a year, but it ran out without my knowledge after a few months- thus causing the first situation I described. 
I have had nothing but problems with Navient for 9 years. I have tons of stories, been given wrong information a dozen times, paid money to even put my loans into forbearance because that was cheaper than the payment, and they absolutely set up people to fail. 
I admit, I should have educated myself better before taking out private loans, but at the time, they were eligible for fixed interest consolidation, so I was n't very worried. 
Now I am sick, on long term XXXX from my job and filing for Social Security XXXX, and I have NO IDEA, what to do with these loan payments. We absolutely can not afford them and neither can my cosigners. One of which is my mother and she is helping me pay for my treatment! 
I have no idea what to do anymore.
On or around XX/XX/XXXX I have been in communication with my student loan lender ( Granite State Management & Resources XXXX XXXX XXXX XXXX, NH XXXX ). I am currently applying for a major loan and I need my actual payments when my loan go into repayment. I have been advised that my account can not go into repayment or that they can not update the payment until the grace period elapses. The system would show that I am on the extended plan, however, will not change the term from 120 to 300 months. This document will determine whether or not I get the loan. Therefore, it is urgent that someone help me. I am not able to wait until XXXX of 2019 to get my correct payment data. Additionally, I was told the Department of Education will not allow me to go into repayment status before the grace period. I have other loans with a different provider and I didn't have this problem.
1.Equifax has made it impossible for me to retrieve my credit report from them " online '' via their offered monitoring services. They have told me verbally that I will " never '' be able to utilize their online service and I will have to contact them by phone directly to their " Consumer Affairs '' dept. for any access to my file or even to make disputes.The last time I spoke to them they would not verify any account information on my file and said that they needed to mail me docs to validate myself which I've yet to receive. 
2.Equifax has continued to dismiss and under-report accounts that are being reported to them by Creditors such as ( XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX # XXXX ) all of these accounts I am an " Authorized User '' via " XXXX XXXX '' ( Primary Card Holder ) who can be contacted at ( XXXX ) XXXX or XXXX XXXX XXXX XXXX, TX. XXXX. I have been on these accounts for nearly a year and Equifax has never reported any of them. 
3.Equifax has deliberately ignored my request to them to remove the " Extended Fraud Alert '' dating back to " 2013 '' which I did not request.
I was working with my bank to get a loan modification. The reason was because my husband lost his job and became XXXX. I kept on giving them all the information and they kept on closing the application. I gave them all the paperwork needed and it took 6 years to get my payment to where I would be able to afford the payment. They also put on my credit report I was in forcloseure but not true. Now that will be a big problem to correct. Because of this my mortgage was increase by $ XXXX more.
On XX/XX/2017 I ordered three items on line from XXXX and XXXX Order # XXXX. I used my PayPal account to pay for the transactions. I did not receive any of the items that I ordered by XX/XX/2017 so I called the company. They said they did not have the hat. PayPal had already billed my credit card. The company then sent me the top and necklace but not the hat. I contacted PayPal to dispute the charge on my credit card when the seller had not sent the item, did not have the hat in inventory, and refused to let me cancel the order for the hat. PayPal told me they were handling the matter with the seller. They gave the seller 10 days to answer the complaint. I talked with people in the XXXX in the customer service who did not understand the problem and did not try to help with a resolution. Today I received an email from PayPal telling me that in order to cancel the hat I have to, at my own expense, return the top and necklace, otherwise I have to allow the billing for the total amount of the order ( {$200.00} ) and they do not have to fulfill the complete order. This is a total ripoff of the consumer. They should not be allowed to do this to consumers!!!
I was hired by a friend to perform a project for his company. He failed to pay for 3 months so I started searching online for leads and information how to collect on past due invoices. I was lead to XXXX debt collection and provided my information to speak to someone. I did not know I was signing a contract by providing my information. Upon speaking to the representative over the phone, I was asked to provide supporting documentation of the debt. I did not respond to the email nor did I provide any information. 

The debt collection agency, TSI, followed up with emails asking to provide invoices or any information supporting any claim of not being paid. I immediately responded to two emails stating to stop any collection attempts as I did not authorize anyone to make collection attempts. My emails went unanswered. My friend who hired me is a friend I was working out a plan with to hopefully obtain more work in the future but be paid in advance as opposed to work and be paid later. And now I am getting phone calls, emails and now a letter from an attorney for 50 % of an amount they say they collected for me. Please help.
On XXXX/XXXX/16 I received a couple e-mails from Kohl 's stating that my account had been updated and an order placed. I, nor the other card holder had done neither. When I opened the emails, I found that someone had not only changed the name on my account but also the address. Within an hour of these events happening, I called the Kohl 's credit card customer service number provided on the card. After an exhaustive explanation, I was told the cards would be closed, new cards issued, they would try to stop the order and they would investigate. I continued to receive emails that the order was shipped XXXX XXXX/XXXX/16 XXXX, delivered XXXX XXXX/XXXX/16 XXXX, and, no surprise- a refund had been processed XXXX XXXX/XXXX/16 XXXX. I 'm surprised that these events took place even with me notifying them within ONE hour of the changes made on my account. ***How can a name and address be changed on an account and an order immediately placed and no safety measures in place to alert for fraud and protect me as a consumer and themselves as a company? *** As bad as this seems, I received and activated my new cards and on XXXX/XXXX/16 attempted to make a purchase that would not process. I placed a call to customer service and was told that I could not use the cards due to fraudulent activity. I stated that the fraud was on the original cards but that these were new cards. She stated that the new cards were also flagged for fraud and could not be used. I told her that since Kohl 's can NOT protect my information to close the account. I have been a card holder for 10+ years and so I 'm aware that my credit may take a small hit but it will be so worth it versus entrusting my information to this organization. Upon closer inspection with the original and new cards, it appears that the account is the same on all XXXX cards. It appears that Kohl 's simply issued XXXX new cards in the original account with last XXXX numbers being different. SO, I guess the original account was really never closed as I was told would happen. And so again, how did Kohl 's protect my information? And why was the account not closed? As a consolation, I received a letter from Kohl 's dated XXXX/XXXX/16 that states I am not responsible for fraudulent charge. I guess it was just divine intervention that I attempted to use the newly issued card to XXXX that the new cards issued were just extensions to the original account.
I am disputing account number XXXX with Credence Resource Management since I have mailed quite a few dispute letters to the credit reporting agencies and it comes back verified every single time. They are declaring that I owe {$1900.00} to XXXX on my credit report. I have contacted Credence Resource Management to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.
We requested a past due 'pre-foreclosure ' notice from Wells Fargo Mortgage XXXX so we could provide the documentation required for the timely advance of a 'hardship ' loan from our XXXX account. We are two months behind in our mortgage and if we miss one more month we will be in foreclosure and lose our home of XXXX years. On the phone originally all Wells departments refused to send us the pre foreclosure notices Wells have been sending out for years.It 's three weeks since my family first contacted Wells and we still have not received a 'pre-foreclosure ' or a substitute notice from Wells Fargo , so we can make a valid 'hardship ' claim. 
It feels like entrapment, if Wells does not supply us an acceptable timely letter in accordance with IRS rules, Wells Fargo can foreclose on our home. 
We now believe the missing Wells Fargo letter, if received may be too late to process.
I have a fixed rate mortgage with Wells Fargo Home mortgage. I have been paying. {$1800.00} every month. In XXXX my statement showed a payment due for {$1900.00}. This is the XXXX time they have done this in trying to charge me more then what I actually owe. I believe this time it includes an overpayment they made to my local tax office in in my town, They have been holding an overpayment in taxes for months. They contacted me to come and get the money which I never did. Simply because I do n't pay my taxes, It 's included in my mortgage payment. 

Since XXXX they have been holding payments of. {$990.00} in unapplied funds and instead saying I owe them {$10000.00} in order to catch up on payments due. I spoke to HUD the first time they did something much like this. I have been making my payments every month, and have proof of this. They are saying I never made those payments. The payments are reflected in previous statements as {$3700.00}. In XXXX payment increments. But they still show {$10000.00} Total amount due to make loan current. I am extremely tired of the errors this company makes on my statements. It honestly feels like their doing it on purpose at this point. 

I would appreciate it if someone could please contact them on this and correct the oversight. I have already spoke to them myself over the phone and they refused to acknowledge it.
I AM NOT LIABLE FOR THIS DEBT IT KEEPS BEING ADDED TO MY CREDIT REPORT AS A NEW DEBT IT IS ILLEGAL TO RE-AGE A DEBT
XXXX allowed an Unauthorized Hard Credit Inquiry by XXXX XXXX onXX/XX/XXXX. I wrote them on XX/XX/XXXX proving identity theft, no response. 

Equifax allowed 3 unauthorized hard inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXI wrote them proving identity theft on XX/XX/XXXX, no response.
TransUnion The way the system is set up, it discriminates ( see attached XXXX pages ) against people who pay their bills on time. In my case, not only are they discriminating against me, the Credit reporting agencies have wiped my credit history out and have dropped my credit score down to XXXX from XXXX. It 's as if I have never had credit. I 'm being treated as if I have BAD credit. Auto/home insurance rates have gone up. If I borrow money, my interest rate has gone up 1.5 %. I 've been denied credit cards and my checks are being denied by a company called XXXX, due to my credit score. XXXX will not authorize my checks. As of today ( XX/XX/2016 ), my score is XXXX/XXXX. 
I want my credit score to reflect my outstanding payment and credit history over the years. Not just the past three months. 

QUESTION : How is this system fair? As stated above, the credit reporting agencies are set up to discriminate against individuals that pay their bills on time or early. If you read their own definition/explanation, the credit reporting agencies want to force you into debt in order to obtain a higher credit score.
National Credit Adjusters continues to contact and harrass me over a debt that i paid in full back in XXXX XXXX to another agency. I have copies of my bank statements to prove that i paid this debt off in full back in XXXX XXXX.
My loan was sold on XX/XX/XXXX and on XX/XX/XXXX a web payment of {$1300.00} was withdrawn from my checking account that I did not authorize. I have had several conversations with customer service representatives who told me that either the money would be forwarded back to my account, or that it would be forwarded to the new servicing company. Neither has happened and when I follow up with each new customer service representative, there seems to be a new story and 'no record ' of Shellpoint 's receipt of the payment. I have also sent several emails to the generic customer service email address. I get an automatically generated email that says they are looking into it, but there is no follow up.
XXXX XXXX XXXX XXXX, amended & restated my tax returns from XXXX & made themselves my conservator. My home was sold by my former employer in XXXX, using my XXXX XXXX ss #. The XXXX Family is also involved with organized crime. The Family made copies of my mortgage at XXXX XXXX XXXX XXXX TN using my signature. They refinanced my home with XXXX XXXX XXXX, this was done in XXXX with US Bank. The XXXX Family have property in Texas, XXXX XXXX. XXXX XXXX XXXX XXXX forged my signature to steal {$100000.00} from XXXX XXXX & sent to US Bank mtg .
My credit card Discover card, has allowed a fraudulent charge to post and remain on my credit card account. The amount is {$1.00}, XXXX XXXX XXXX I have supplied Discover card with documents and proof numerous times and they still left this charge on my account. I want this fraud charge removed off my account.
I contacted Equifax on XX/XX/XXXX and made them aware of inquiries on my credit report that I did not authorize and are a result of fraud. The inquiries and dates are as follows : XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. I have an active fraud alert on my consumer report with Equifax and I extended it for another 90 days in attempt to prevent any further fraudulent activity. I also submitted a police report to accompany my claim, which I have included with this complaint. The report contains information that proves my personal information was compromised. I received correspondence from Equifax stating that the fraudulent inquiries still remain on my report. I am very upset that my personal information is being mishandled by Equifax and I should not be held accountable for a fraud related situation.
I had a valid Mastercard with Citi which I closed several years ago. The rationale for my voluntary closing the card was due to Citi raising the rate. At the time I had a large balance on the card and continued to make payments on the card. Within the last year my 9.9 % rate has been raised twice to the current rate of 11.49 %. I have inquired several times concerning the recent increases, only be told that the rates were raised to reflect the change in the Federal Reserve rates. They adjusted my rate accordingly. My question, is when the standard interest rates were lower, how come my 9.9 % was not adjusted downward. It seems that would have been appropriate. I have never been notified by Citi, to rate increases.
I do not owe any debt from Creditor " XXXX '' and never get any call for " XXXX XXXX XXXX '' Collection Agency but I see collection added to my Equifax Credit Report. I tried to contact collection agency but did not find proper information for contact. It seems to be fraud alerts. I did not find any way to dispute with Equifax for this fraud alert. Please escalate it to Equifax or some one as it is impacting my credit score.
Equifax has my account showing date of last payment XX/2017 a balance amount {$2900.00} a charge off amount of {$2900.00} My account was closed out onXX/XX/2017 as inactive and a balance of {$0.00} I was mailed a copy of this account with the account number. 
I have provided by mail to Equifax proof of the account there is no active account no last payment nor a balance on this account as stated on my credit file by Equifax.