WillisBack/dataset-financial-user-claim huggingface dataset:
7 times since XX/XX/XXXX we have been told by Navient that we either had past due amounts or additional fees due. Each time we call Navient to settle these issues we reach the XXXX where they barely speak English and have little idea what the left hand in XXXX, PA is doing. What we do know is that in XXXX XXXX, PA they intentionally mis-apply the money we send to them so they can tack on late fees and past due amounts. Then we get a letter from Navient that states we have a past due amount of {$110.00}. Every time we call Navient they tell us somebody has mis applied the money we specifically ear mark for each account. We put the account numbers on the two checks we send in each month and then we send in a typed form with the account number, the amount of money still owed on that account, the interest rate being charged, the monthly amount to be paid, and finally the check number to subtract the monthly amount from. Yet 7 out of 12 months they harass us with past due amounts. We can never find out who the somebody is that is responsible for not being able to read what is sent them. It is simply a case of greed, fraud & trying to get more than they deserve. The CEO needs to take responsibility for a corrupt and evil company. The last I knew the CEO of XXXX made 4.6 million dollars a year doing the exact same thing as Navient and XXXX. Why so much money for ripping American 's off???
In XX/XX/2018, I took out a personal loan with XXXX XXXX XXXX. I walked into the store located on XXXX and XXXX XXXX in XXXX XXXX. The staff was nice and welcoming, and I took out a {$500.00} loan. I set up a payment arrangement for weekly payments with no missed payments. In XXXX, I was told I had available credit on my account without having to take out and additional loan. DLC called this a " credit line increase ''. I took advantage of the increase since it was during a time of need. After about six weeks of weekly payments, I had to miss a payment due to health reasons and other finances. Upon checking my credit report, I noticed DLC marked my previous account as closed and opened another in my name. These are not the terms discussed when the credit line increase was granted. I informed DLC of this and received no response. My credit score dropped due to this. My payments have been missed for about a month due to the excess interest added to my loan. They've also miscalculated my pay weekly and have me as making {$480.00} per week when my weekly pay is usually no more than {$330.00} per week after taxes. I also let DLC know I am on commission and get paid at the end of the month and that's what is used to make payments on my bills. I can not afford weekly payments. By the end of XXXX the loan will be paid off in full, but the interest can not be paid. It is excessive and this is a predatory loan as far as I'm concerned. My income does not match the payment schedule XXXX XXXX XXXX expects and the interest and fees are not able to be paid per my limited income.
I've started 7 disputes with Citicards against an online merchant that failed and stopped to provide services..The charges were XX/XX/2017 for {$2900.00}, XX/XX/2017 for {$2900.00}, XX/XX/2017 for {$2900.00}, XX/XX/2017 for {$2900.00}, XX/XX/2017 for {$2900.00}, $ XX/XX/2017 {$2900.00}, XX/XX/2017 {$2800.00}. Citicards failed to protect my consumer rights.
XXXX XXXX sold or transferred a XXXX XXXX account ( XXXX ) to XXXX XXXX. This XXXX account number XXXX has since been resolved. A full and final resolution resulted in the removal of the XXXX line item from all XXXX of my credit reports. Experian has not removed the XXXX XXXX corresponding line item from my Experian Credit file, but they have removed the XXXX line item. All other credit bureaus have removed both the XXXX XXXX and the corresponding XXXX XXXX line item from my files.
I have XXXX companies that are calming that i have an outstanding close balance with XXXX that was for the same past due bill that was on my report and last year previously deleted off at the beginning of the year. 
XXXX company is XXXX XXXX XXXX, and the other XXXX is XXXX both have amounts of XXXX and XXXX ... I think the last company sold this account to a different creditors and they put it back on my credit report. under different names. 

can you please help me get this off my credit please
I took out a student loan to send my XXXX daughters through college at XXXX XXXX University. XXXX graduated from XXXX in XXXX ; the other in XXXX. Just as I was starting to pay the {$110000.00} loan back ; my husband ( who was a XXXX and main bread winner, as I am a XXXX ) had a XXXX on XXXX XXXX, XXXX. He had XXXX XXXX over the course of a year and a half - and had to go on social security XXXX. The loans are in my name alone, so we could not qualify for loan forgiveness. We lost our cars, our home, everything - and of course my loans went directly into forebearance. Fast forward to today. My loans have ballooned into an insermountable amount of almost {$200000.00}. I am XXXX years old. I ca n't understand why a serious medical happening would not allow me to " freeze '' my accounts ( so as not to accumulate so much interest and penalties ). This seems almost illegal and if not, definitely unfair. How can I ever climb out of this hole - a hole that through no fault of mine I fell into that I can not get out of. My credit is ruined. I ca n't even buy a small house or condo because of that. It seems that there should be medical exceptions to loan forgiveness ( if you can show proof - which we of course can. ) It hangs over my head daily - and it keeps growing and growing, because I ca n't even afford XXXX of hwat the minimum monthly amount is. I am stuck, lost and scared to death. XXXX XXXX XXXX, XXXX, Ohio
I obtained a credit report from Experian on XX/XX/2017. We also obtained one for my wife using my credit card for both. The credit report was " free '' and they charged a {$1.00} for credit scores. They had a pop up with a lengthy description of terms of service which I accepted. ( I did not read it thoroughly as this stuff is mostly boiler plate usually. ) I accepted. On XX/XX/XXXX they made XXXX separate charges of {$21.00} on my credit card. I noticed the charges on XX/XX/XXXX and called. They indicated that it was a membership fee that I agreed to in the terms of service area. I have to say, that the disclosure is not clear. I asked for a refund and they refused. They have supposedly cancelled my membership but will not refund the nearly {$44.00} in charges that were not plainly posted. I know of no financial institution that can bury notices like this and the lengths that mortgage companies must go to in disclosure and think Experian is using deceptive practices with the {$1.00} charge to lure you in and accept the terms of service with the hidden fees. I want Experian to refund my moeny.
When making a purchase using the card, I was promised 48 months to pay the balance at a 9.99 % APR. The first statement I received indicates that I was given 12 months at 0 %.
I allowed someone to sublet my apartment XX/XX/2013. They did not pay the final amount due on my XXXX bill. A debt collector called me a couple months later and I paid the debt. Today, I got a call from a collector saying I owed XXXX for my debt. I told him I paid it and he asked for proof. I do n't have proof because I was assured that I settled the debt. I paid the XXXX again. I just do n't want this to keep happening to keep ruining my credit.
I attended XXXX XXXX XXXX XXXX XXXX XXXX and XXXX in XXXX. 
I was forced to file for chapter XXXX bankruptcy in XXXX because of the lack of willingness by a student loan company to work with me on the payment amount. Just before I XXXX from XXXX, I suffered from a serious medical condition that forced me to be out of work for about six months. In XXXX the economy was starting the downward spiral, I managed to get XXXX jobs XXXX at minimum pay and eventually got a job with the Social Security XXXX in XXXX XXXX. My starting salary was {$37000.00} per year. I had my young son and a household to support. The student loan company did not care and based my payment on what I earned. I could not afford the payment thereby filing for chapter XXXX bankruptcy. I made the court ordered payments to the trustee who then sent payments to the student loan servicing company, XXXX. My bankruptcy was discharged in XXXX XXXX. What I was not aware that XXXX sold my loan to ACS Loan Services, it took ACS 4 months to inform me that they were now servicing my student loan and then informed me that they added capitalized interest of {$14000.00} onto my loan, bringing my loan amount to {$100000.00} at an interest rate of XXXX. My payment is now {$680.00} per month. I never received any kind of notices or information from the either student loan servicer that this was happening. I have tried to dispute the capitalized interest with ACS with no relief. I have been sending in partial payments of what I can afford. I have managed to make a full payment the last three months but ACS keeps charging me late fees, applies none of my payment to the principle and the balance of the loan keeps growing and the interest keeps compounding. Over 6 years I have payed XXXX and ACS about {$25000.00} and my student loan principle has never gone down, it continues to grow. This is extremely distressing, I am XXXX XXXX XXXX and will never be able to pay this off. I am not disputing that I am obligated to pay the loan, I am disputing the {$14000.00} ACS added onto the balance. I have made a good faith effort by making payments towards this loan, but, at this rate I feel this situation is hopeless.
My Loan : XXXX at Quicken Loans I originally got started processing my Quicken Loan application with XXXX XXXX ( Mortgage Banker ) and uploaded my Verification of Assets on XXXX/XXXX/2016. However, somehow I lost communication with XXXX, and later on, got in touch with XXXX XXXX ( Mortgage Banker ) on XXXX/XXXX/2016. 

Next, XXXX XXXX passed me XXXX XXXX ( Client Care Specialist ) on XXXX/XXXX/2016 in entering the Underwriting stage of the loan process. 

Keep in mind Quicken Loan 's Verification of Assets says this : To close your loan, we need to verify that you have {$9500.00} in assets for reserves. This amount is subject to change as your loan is processed. Please provide bank, depository or brokerage statements, 401 ( k ), 403 ( b ), a Keogh account or an IRA statement showing a 60 days history for this verification. 

Given that I provided my XXXX XXXX bank statements on XXXX/XXXX/2016 and the Underwriting process started on XXXX/XXXX/2016, I felt Quicken Loan 's Underwriter made a bad decision to have me pay around {$500.00} for the appraisal performed on XXXX/XXXX/2016 when there was a chance the Verification of Assets could be a show stopper. As it turned out, it was a show stopper. According to Quicken Loan, my letter of explanation for assets was decline. So basically, I did a cash deposit of {$2100.00} on XXXX/XXXX/2016, {$3000.00} on XXXX/XXXX/2016, and {$5000.00} on XXXX/XXXX/2016 from my home safety deposit box and this reason was rejected. 

Good business practice of the underwriter should have been take care of all the necessary show stopper paperwork first before having a possible lender pay for the appraisal. 

Given I contacted Quicken Loan based on your recommendation, can you please help me get a refund from my appraisal? 

Thanks, XXXX XXXX
The amount I 'm paying is n't an issue, they told me not to do a ny payments for 3 or 4 m onths last year to which they where adding more interest and charges to my account. They defaultedmy paym ent one t ime and asked me to pay double the amount due to their issues with their server. I do n't see a decrease of my total account but I do see it rising for some reason, tried to find out why but I believe they 're making me run around circles. I 'll have to refinance somewhere else but I want to make the total payment settlement low to take out their unnecessary interest and charges that was n't even my fault.
I know I owe the account for XXXX XXXX which is a payday loan, it is now in collections which National Credit Adjusters are calling me, they are being rude, not allowing me to answer the questions that they are asking and they are talking over me, I do not want to send them anything if I am feeling intimidated, manipulated, every time I ask to speak with an individual I spoke with person they indicate he is not available.
Hello, I was promised a XXXX via Chase Credit Card Specialist phone conversation.In this situation I had opened up a Southwest/Chase Business card that had an opening reward of XXXX travel points if a minimum spend of {$2000.00} was met within 3 months. In my first month I hit the minimum spend ( XXXX XXXX ) and in turn had earned the XXXX points. To make sure that I was to receive the points into my Southwest account I called into Chase to investigate. In this conversation with the specialist he assured me that I had indeed earned the points via the minimum spend, and that in fact made me qualify for the XXXX Southwest Companion Pass. In the conversation I made my concerns clear that I did not want to the points to disburse later that the new year or the pass would not be awarded to me. At this moment he assured me that they would disburse by the XXXX cycle and also left a note on my profile that stated these above points that I had earned the points and than in turn qualified me for the pass. Moving forward the points were not awarded before the end of the year and I missed out on the promised pass.
XXXX XXXX and XXXX XXXX sent me a letter of notification that they had a major data breach and my personal information was stolen and compromised. I checked all 3 of my  credit reports and I discovered 2 accounts on my credit report thats fraudulent, unauthorized and not mine. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX, XX/XX/XXXX. These 2 fraudulent accounts are the result of the XXXX XXXX data breach announced on XX/XX/XXXX.
The company is Portfolio Recovery they call way to often at least 5 to 6 times a day on both my phones. I had two XXXX XXXX Credit Cards each using a different number I think this is harassment.
I have an open and current account with US Bank for the XXXX XXXX XXXX XXXX XXXX XXXX. 

In the XXXX 2017 statement for my card, I observed a discrepancy with the calculation for earned XXXX rewards points for the charitable donation transactions. 

According to the program rules for the XXXX rewards program, the XXXX XXXX XXXX card earns points " at a rate of XXXX XXXX per every {$1.00} in Net Purchases during each billing cycle for any merchant location that classifies itself as a XXXX. '' All the transactions on that statement were from merchants that classified themselves as a XXXX, according to the report on the statement generated by the ScoreBoard tool available in my US Bank online account. With a closing balance of {$1200.00} on the statement, I expected to receive XXXX XXXX XXXX = XXXX XXXX points for those transactions. Instead, my statement only reported XXXX XXXX points earned for that activity. 

I believe that XXXX transactions for XXXX XXXX XXXX totaling {$690.00} were not counted as charitable donations, which would account for the discrepancy I observed. 

On XXXX XXXX or XXXX XXXX, 2017, I used the " Email Us '' contact form in my US Bank online account to request an adjustment in the number of XXXX points earned to be consistent with the XXXX program rules, in light of the observations I made. This contact was acknowledged in an e-mail reply I received on XXXX XXXX, and on XXXX XXXX, I received a letter in the mail from " Cardmember Service '' in response to the request I made stating that " XXXX XXXX XXXX is not an eligible service organization '' and therefore, I would not receive bonus points due for charitable donations. 

I did not receive any explanation for why this determination was made, given the program rules and the observations I made, so I am wholly unsatisfied with this response from US Bank and I feel that my complaint did not get due consideration.
In XX/XX/XXXX, I mortgaged a building loan through XXXX XXXX and paid off Citizens Bank in full. In XX/XX/XXXX I canceled any and all accounts with Citizens Bank. In XXXX I began receiving bills for fee 's from Citizens. I return their letters stating that I did not have any accounts with their bank. in XX/XX/XXXX, the reason for the statements was clarified with XXXX Bank. They had used a very old payment option and citizens was the bank that was listed. All settled immediately with XXXX and I phoned Citizens asking them why there were charges when there was no account. in XX/XX/XXXX, I asked XXXX to help me deal with Citizens who were beyond awful into abuse, harassment and simply impossible to deal with. XXXX did and the issue was resolved with letter supposedly stating so. A few weeks ago, new charges and new people and the issue was not resolved apparently ; although no one can tell me what who or why. I faxed faxed the letter to the Office of the Chairman and then received another letter stating that the fax did n't arrive in a timely manner ( I did explain that I was XXXX miles from a fax machine and was on way to XXXX New Hampshire for meetings and was now late having taken the call from the bank. The XXXX of this is horrible enough to loosesleep and make me stomach sick. the time and energy has been enormous. I truly want to file a complaint and if possible press charges for abuse and harassment.
Back in XX/XX/2017, I called XXXX XXXX to pick up a shipment for a small package to XXXX. I told them the size and weight of the package. They quoted me {$54.00} and I agreed to have them pick it up that day, XX/XX/2017. The following month I received a bill for {$94.00}. After numerous discussions, it seems XXXX made some errors regarding that package and are trying to make me pay for them. I have inquired why they had the weight at 2lbs when items were less than an ounce and XXXX did not reply. I agreed to pay the original quote of {$54.00} and paid via credit card on XX/XX/2017. Now they have sent a collections agency for the remaining amount which I do not owe. I have attached a snapshot of the email where XXXX realized their mistake in shipping charge. I also included a snapshot of the payment I made of {$54.00} back in XXXX. Thank you.
XXXX sent a bill that was the size of a post card, mistakenly was thrown away. Received call about debt, immediately paid XXXX once outstanding debt was realized ( paid XX/XX/2016 ). Have since rudely and aggressively been bothered by National Service Bureau to pay this debt which has already been paid. Have contacted XXXX 3 times and they have claimed to resolved this on their end, however, phone calls do n't cease and National Service Bereau keeps calling and forcefully telling me I need to pay something I 've already paid. I 've advised them to refer to XXXX, but they keep calling!
I am filing a complaint against Ditech Finamcial L.L.C. I had a home fire on XX/XX/XXXX that caused major damage to mobile home forcing me and my family to have to relocate.While waiting for insurance claims and adjustments to be completed. I managed to make a payment on XX/XX/XXXX but not living in home. Insurance agent determined that it was est. of {$25000.00} worth of repair. On XX/XX/XXXX i received a letter of default from ditech and i was also informed to send checks from insurance claim. and have home repaid. Then in return they would issue me a refund after home was repaired. Due to my situation I could not afford my monthly payments at mobile home and have it repaired.
Someone had used my information for XXXX and it resulted in over {$3000.00} in debt that is WRONGLY effecting my credit. I had contacted XXXX and even got a lawyer to help me remove this from my credit but have had no luck getting a response from Pinnacle Credit Services. I am now going to get a notarized letter from my lawyer and I and send that to them. Not hearing from them should indicate that this needs to be removed since they are not willing to work with me. This debt is NOT MINE and Pinnacle Credit services has done nothing to right this wrong.
Hello, my student loans have been repeatedly sold and each new lender can not provide information on previous payments and interest paid. I feel like my loans keep getting escalated and now the total amount due is overstated.
On XX/XX/XXXX around XXXX XXXX  in the XXXX, I have received a voice mail from an Eastern Accounts System Representative, stating that I have a bill with the XXXX Hospital which totally disagree with that debt because the hospital bill took care of my hospital debt already with the help of XXXX who represents the Registration Department of the XXXX XXXX  XXXX XXXX through a financial assistance hospital program, then the caller hung up without notifying myself about forwarding my debt to the credit bureaus.
Synchrony bank is the issuer of Amazon 's store credit card. If you look at the feedback for the card on Amazon 's site, you will see there are negative feedback ratings regarding Synchrony bank changing credit limits without notice. While this may be happening as well, Synchrony is also doing the following : they are delaying giving proper credit when payments are made. 
They are giving credit in their automated customer service system. If a consumer calls, their system says 'We received your last payment of X on Y date ; however, they are not reflecting the available credit immediately. This affects the consumer 's available credit & has the impact of artificially lowering the credit limit as well as artificially making it appear a consumer is closer to their credit limit than is actually the case. 
For example, if I make a payment of {$100.00} to my XXXX XXXX today, tomorrow I should hear through their automated system that a payment of {$100.00} was made to the card and that correspondingly {$100.00} more credit is now available. Every credit card company I 've ever had does this. 
I made a payment to Synchrony on a Monday. I called the automated system for a week straight. The automated system acknowledged my payment but also told me my credit available was much lower than it should have been. I called their customer service area? was repeatedly told my card limit had not changed. So they credit people for payments but do n't make the credit available on the card. I believe this is the reason behind the negative consumer comments about the card. 
If this is not illegal, it should be for the reasons outlined here. This is a deceptive consumer practice affecting people 's credit on a daily basis. Please use your enforcement powers to investigate and fine the company accordingly. Also be very public about this ; people need to know this company does this.