WillisBack/dataset-financial-user-claim huggingface dataset:
I have been trying to pay down my student loan debt however, I believe my payments are being misapplied and more interest and fees are being charged than should be. Last year, I paid an extra {$16000.00} on top of my regular monthly payment, however my XXXX from Navient stated that I paid {$17000.00} in interest for the year, which is a {$3300.00} increase over the previous year of {$14000.00}. When I inquired about the difference, I was told that I paid {$13000.00} in accrued interest, {$3100.00} in capitalized interest, and {$900.00} in origination fees. If I paid that much extra, I do not understand why/how I paid any capitalized interest? Navient claims that all payments go to pay interest first. I do not believe that an EXTRA {$16000.00} didn't pay the outstanding interest. I also do not understand why there is any origination fees. Origination fees are charged at the beginning of a loan to cover the cost to process the loan. Why, 8 years later, am I still being charged an origination fee? The other issue I have is with 2 extra payments I've made recently. I scheduled a payment of {$4000.00} to post on XX/XX/18. I have a confirmation and screenshot from Navient confirming the payment was to be made on XX/XX/18. However, the payment was not posted to my account until XX/XX/18. It was one day later than I requested, but Navient still listed it on their website as being paid on XX/XX/18. The same thing happened on an payment of {$5400.00} that I scheduled for XX/XX/18. The amount did not post until XX/XX/18, but they listed it as being paid XX/XX/18. My monthly payment is automatically deducted from my account, and Navient doesn't seem to have a problem posting it on the correct date. I realize this is one day 's interest, however with how this company has dealt with my account, one day 's interest means a lot. I'm sure this has occurred on previous extra payments as well, but I just caught on to this issue. I am trying to be responsible and pay off my debt, but I feel that Navient is making it impossible and punishing me for doing so at every turn.
In XXXX XXXX my wife and I applied through the Michigan Hardest Hit for assistance with our mortgage due to a reduction in income and layoffs and XXXX XXXX the Michigan Step Forward program approved us for a pay down off {$24000.00} on our principle mortgage balance. At the same time we applied with Select Portfolio Services our mortgage company to refinance the balance of our mortgage to reduce the rate and payment. We sent all our current tax returns, paystubs, bank statements, paid property taxes, proof of insurance and a written letter from my wife 's employer and was told bu Select Portfolio they would not accept the pay stubs and letter because they were hand written, we were also told that they would not accept my wife 's XXXX as verification of employment. My wife has worked for the same company for over 6 years and has kept her stubs until she receives her XXXX and we file our taxes. All we want to do is refinance our mortgage to lower the rate and payments.
I sent 3 certified letters and the company has violated and failed too : 1. Required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which the company signed for my letter 3 times. I have retained a copy of the signatures and date of receipt, as well as a time-stamped copy of my credit reports, showing that company have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section. 

2. Failed to provide copy of the original contact bearing my signature. 

This company has violated and is in non-compliance, per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

This company violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, and the company must now remove the item. 

Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Hello, I would like to make a formal complaint against XXXX in the Navient Collections Department.I set up a payment pay with Navient and they say they took my money out on XX/XX/XXXX. However, my bank manager told me that Navient never took my payment out. I called XXXX and I wanted him to take the payment from my debt card. However, he started to talk smart and then I started talking smart to him.On a personal note, I believe that Navient has workers there who have no respect for people trying to pay their student loans. At first, XXXX did not want to take my payment from my debt card and fought me all the way. Then he told me after the payment went through that Navient was going to double charge me and I could not complaint about.Personally, I just trying to pay my bill with Navient without people like XXXX causing me problems.
Hello- My name is XXXX XXXX . My car loan was paid in full and there was an over payment taken for $ XXXX- after arguing back and forth with Consumer Portfolio Services to try to get my money back, I was told that I would receive a cashier 's check for {$280.00} ( I am not sure why the {$11.00} difference- I asked several times and never got a response ). I was also told that I would have the money deposited back into my account with 24-48 hours however, they are now supposed to be sending me a cashier 's check. I am NOT HAPPY. I have called three times and emailed them 5- I have not received a response ... I have chased them for weeks and still do not have the money that is due to me. This company is completely unprofessional, irresponsible, and should not be allowed to conduct business as a financial company. My account number with them is XXXX. I have been dealing with XXXX XXXX. I was told to send them a bank statement showing that they took the money out of my account ... which I did. They told me to fax it- their fax machine did n't work. I had to scan the statement and then sent it to them via email. I then called for three days to get a status update. The bottom line is I am not sure why I STILL do not have the money that is mine and why they have given me the run around. Their last excuse was that the pay-off amount was incorrect and that their accounting department made an error. The pay off amount was {$9600.00} and they said that the check that was sent was only for {$9300.00}. Please let me know how I should further proceed. Thank you so much.
I have repeatedly requested that LVNV Funding Llc provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Every time I reach out to the company ( Loancare ) in regards to my loss mitigation application I am told something different. Ive never received correspondence about my case and when I call the company no one seems to be able to help me or have any information about it. I was told my case workers name is XXXX XXXX be shenever answers when Im transferred to her nor does she returns my calls. Ive been told that I was in a trial payment plan for four months and was forced to make a payment of {$1000.00} and some cents without agreeing to any of it only to call again and be told that no Im not on any trail payments and that they must have been in the wrong persons file!!!! My regular mortgage payment is 1200 plus dollars so the XXXX payment then was moved to so other account not being applied to my monthly payment and now Im considered to be be late due to their confusion. Even when I visit their site it shows that there is a 1st trail payment that they are trying to tell me that they never had me pay. Their site does not allow you to pay less than your monthly balance do this wouldnt have happened unless they arranged it that way. Somewhere along the way there is a lack of communication within this company that my mortgage was unfortunately sold to.
Hello, I went to XXXX in XXXX, MI. I read an article on the way XXXX defrauded student loans. I, too, was in school at that time and had XXXX of those XXXX loans. I feel that I should not have to repay the remainder of that loan based upon that lawsuit against them. My loan, no doubt, has been sold to UAS ( University Accounting Services ) LLC. The address is : XXXX, MN XXXX. Any help would greatly be appreciated.
My Chase bank account ending in XXXX was closed by Chase, even though I have had no problems with my account and had very good relations. When I called to understand why my account was closed, they said they could not give me an answer. I even went to the Chase Bank that I always do my banking at and they also could not get any information. I sent a letter to Chase headquarters and a woman who worked there called me. I thought for sure I would get an explanation of why my account was closed, to my dismay it was not. I believe it is because I am a XXXX of XXXX XXXX that they closed my account. I know of numerous people that the same happened to them. They were all either XXXX or XXXX or both.
Regarding a XXXX installation. XXXX installed internet and TV service under a30 day trial. The service did not function correctly repeatedly. Within the 30 day trial period, I told them to remove it. They did so but charged my account {$130.00} but never sent a bill that I received. They turned this over to Credit Management , LP. to collect. Credit Management would not accept the XXXX reference number ( XXXX/XXXX/2015 ) saying it was rectified. My XXXX score, I just learned last week, is now low XXXX 's down from over a consistent XXXX. I had called XXXX to rectify on : XXXX/XXXX/2015 XXXX # XXXX ( talked to XXXX in XXXX XXXX XXXX said she would fix it and someone would call back to confirm. They never did. 
XXXX/XXXX/2015 talked to XXXX Billing Dept?? Ticket # XXXX said I would receive a letter confirming the correction and XXXX fix on priority basis. As of XXXX/XXXX/2015 no letter was received. 
XXXX/XXXX/2015 I explained XXXX last time the issue but I am certain the gal on the phone was not understanding the issue. I requested to be contacted by a supervisor and let them know this is my LAST call to XXXX. I have no confidence I will hear from XXXX. 
I applied for a home mortgage last week to find my damaged credit score and now have to accept a higher rate 4.75 % due to this. This will cost me XXXX dollars. 
I request XXXX be fined and pay me damages of {$100000.00}. 
I have the notes from each call on file. I also want them to fix my XXXX score and I ask that Credit Management be fined and pay me damages for predatory practices.
lvnv funding proceeded to judgment in the wrong forum despite the fact i disputed the total amount of debt with original creditor and debt collector to no avail. they never validated the alleged debt lvnv has committed FDCPA/OCSPA VIOLATIONS- filing suit arbitrarily in wrong forum, and pursuing a debt supplier knows has been cancelled See ; State ex rel. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Ohio XXXX. XXXX ) Section 1692e ( 5 ) of the FDCPA prohibits debt collectors from threatening or taking legal action that can not be taken legally. case-XXXX- XXXX
It is very clear that XXXX and Experian are providing false information on my credit report, worst is, when I contacted them to dispute the accounts and ask for evidence or proof of ownership, they could not supply one.. CFPB amp up and remove XXXX XXXX XXXX XXXX
I saw it have XXXX different issues in collections. I have no idea as to what they are from. A few months ago I had received calls from a pool supply store. I told them that I did not order anything, and did not receive any sort of billing statements. I told them who the individual was who took Mt card information and have n't heard from them since. I have tried to contact the collection company and the phone # is no longer in service.
On XXXX XXXX, 2018, I checked my credit score and found that XXXX had lowered my score by 26 points due to an unknown inquiry and/or known inquiries on my account. I called XXXX to complain and received no satisfactory resolution to my complaint. I am a veteran XXXX XXXX XXXX and occasionally receive calls from lenders wanting to extend credit to my company. Since I am the owner, they generally want to check my personal credit history. This should not be a reason to lower my credit score. I employ approximately 50 people, many XXXX veterans, like myself. I feel that I am being unfairly treated and hindered in my ability to conduct business in the ordinary course as a result of this lowering of my credit score.
XXXX XXXX XXXX is collecting on a debt that has been paid. XXXX sold accounts to XXXX XXXX, I have number of accounts showing up under XXXX. These are accounts for as early as 2002.
My complaint focuses around the fact that they did not provide proper notice as to the cumulative impact of viewing check images. They have a list of confusing pricing but it is not clear to the consumer if the fee applies to them in that instance, nor is it clear what the total fees are incurred, until they already take the money out of the account. 

Basically PNC is charging me for viewing images of checks. That is fine in principle. But the problem is that the consumer has no idea of what they are getting charged in total. There is absolutely no notice that tells the consumer how much charges they have incurred. The notice only indicates in a general way that fees will apply. 

For the last two months they have taken the following amounts out of my account : XX/XX/2018 SERVICE CHARGE {$350.00} XX/XX/2018 SERVICE CHARGE {$400.00} Yes that is right {$400.00} per month to see images of checks. Absolutely crazy. 

I complained with them and they did reimburse {$150.00} XX/XX/2018 SERVICE CHARGE ADJUSTMEN {$150.00} But then I got charged again on XXXX. This is absolutely unsustainable for me. 

No business can ever afford to pay that to see images of their checks. Some banks actually allow that as a free service. 

My complaint focuses around the fact that they did not provide proper notice as to the cumulative impact of viewing check images. They have a list of confusing pricing but it is not clear to the consumer if the fee applies to them in that instance, nor is it clear what the total fees are incurred. 

This is why it is such a shock to see {$400.00} taken directly out of the account for two consecutive months. 

For this I demand a full refund of {$610.00}.
In XX/XX/XXXX I moved to XXXX for a XXXX XXXX after college. This was a big change and didn't have a physician, doctor or anything. So in XX/XX/XXXX I went to an XXXX XXXX in XXXX. The documents attached will give you all of the information. I went to the XXXX XXXX to find a new doctor and more information because I was trying to set up my life and all of that. Well I went to the XXXX XXXX in XX/XX/XXXX, and after two hours saw the doctor and she handed me a script and left. I decided to never go back there because it was very dirty and these places aren't too pleasant. Initially, I rarely remembered seeing the doctor. THEN TWO YEARS later I receive a medical debt collection. First I didn't remember this because I went to a new doctor right afterwards. After remembering, I was like is these even fair? I never received any bills or anything. Even when I moved all my mail was forwarded to me. I never had this problem. So instead of contacting me over the two years, they sent my bill right to debt collections. Is that legal? XXXX XXXX had my phone number and email. Then I never received anything in the mail. They never contacted me. Everyone I went to and XXXX XXXX I paid before my visit. But after two years I couldn't even remember.
This letter is to inform you that Experian has failed to respond to my inquiry dispute letter that I sent certified mail on XX/XX/XXXX. As a consumer, I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. According to the USPS, Experian received my dispute letter on XX/XX/XXXX. Please remove the following inquiries from my report as pursuant to 15 U.S.C.1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. XXXX , XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
On XX/XX/XXXX, after receiving a preapproval letter and qualifying for a mortgage purchase back in XX/XX/XXXX, we were advised by our local NACA office that they were declining to allow us to put a contract on a house due to maternity leave despite the fact that we are no longer on maternity leave and have returned to work and despite the fact that when we were off for maternity leave we utilized banked leave time and our pay never changed. 

After a chain of phone calls and emails over the past couple of days, we were again advised, this time in writing that, as a broker, they are exempt from the fair housing act portion that states denial solely due to maternity leave status is a violation.
In XXXX I experienced a sudden loss of income. I had several credit cards and was struggling to support my children. My debt went into collection and I currently have most paid. I had one however that was an XXXX account that went into a place that was never documented but I paid a company that said they had acquired the debt. That was called XXXX XXXX and my bank account was debited XXXX dollars a month starting in XXXX. The last one beingXX/XX/XXXX. Now it seems to not exist and after receiving odd phone calls from another company and making many on my own, I believe National Credit Adjusters has that loan and has had it all along. I have been paying, it seems, to a fraudulent company. National Credit Adjusters has been disrespectful, rude, demeaning, but more importantly not forth coming with documentation. I would love to pay my debt but with the proper process and until I receive that I would like to alert you to this company 's practices and have some solid answers before proceeding.
I moved into an apartment in XXXX XXXX and when my lease was up I moved out. The apartment manager or owner is attempting to collect a debt for what I assume is repairs or something to the apartment but when I moved in I paid a security deposit that should have covered it but they are claiming I owe them over {$800.00} which is impossible. I filed a dispute twice with XXXX  and my disputes went nowhere. I was never given documentation proving I owed them this insane amount of money and never returned my security deposit so this needs to be taken off of my credit and XXXX isnt giving me good results.
LVNV funding continues to try to collect a debt that 's not mine. I do not know where the account has come from. The debt on this account is for XXXX for XXXX. This debt has been previously removed before.
XXXX Mortgage made an error back in XX/XX/XXXX when it paid taxes to XXXX XXXX using applicant 's Escrow Funds. Taxes should have been paid to XXXX XXXX XXXX where property address is located XXXX XXXX TX XXXX ). 
Taxes were incorrectly paid to property address : XXXX TX XXXX by XXXX Mortgage using applicant 's escrow funds. This property address belonged to applicant but that was sold back in XX/XX/XXXX. This property was purchased/owned under the maiden name. 
XXXX XXXX XXXX XXXX confirmed that a payment was made by XXXX Mortgage. XXXX XXXX XXXX XXXX XXXX confirmed that overage payment was made by XXXX Mortgage. The new property owners also paid tax payments on that property XXXX XXXX TX XXXX ). There is now overage in payment to property XXXX TX XXXX. 

Please see Deposit No : XXXX ( Freedom Mortgage ) for the XXXX XXXX Tax Receipt. Attached are both receipts that confirm there was payment made to wrong property address that is not owned by applicant. This property address belonged to applicant and was sold on XX/XX/XXXX. Both parties XXXX Tax offices XXXX informed applicant that XXXX Mortgage would have to apply for refund of this incorrect payment, as they are not able to refund to the applicant since she did not make disbursement. 
Please see account XXXX : XXXX that was associated with applicant 's for the property of XXXX TX XXXX. This is currently affecting her Escrow analysis and has placed applicant 's in an overwhelming debilitating financial situation that may foreclouse her home when she can not meet new mortgage payment. 
Please see attached receipts ( Spring Branch XXXX XXXX XXXX - {$4700.00} and XXXX XXXX XXXX XXXX XXXX XXXX Assessor {$4400.00} ). For a total of {$9200.00} multiple phone calls and converstations with Tellers from XXXX Mortgage have been made : Faxes producing Deliquent Bills from XXXX XXXX were sent to XXXX Mortgage on XX/XX/XXXX and XX/XX/XXXX. 
Letters with Tax receipts from address XXXX TX XXXX were faxed to XXXX Mortgage on XX/XX/XXXX. 
XXXX XXXX ID XXXX Geovana Teller ID XXXX XXXX XXXX supervisor ) Teller ID XXXX
Date the transaction was initiated was on XX/XX/XXXX. The transfer amount is XXXX USD. 
After the transaction was complete, I received a mail from transfast mentioning that the amount will be transferred safe, secure and quickly and estimate delivery date is XX/XX/XXXX. 

There is neither a mail communication not a phone call from transfast on my transaction. 
Request you to please take this up as critical priority as they need to mention the reason for cancellation as I sent the money to XXXX which was needed for emergency purposes. My family in XXXX had to suffer due to unavailability of funds. We all had to suffer mental tension due to this and the purpose was not served too. 

My amount has not been reversed till I called transfast team to check on my transaction status.