WillisBack/dataset-financial-user-claim huggingface dataset:
My student loan was with XXXX XXXX, and is now owned by Navient. Since the change, I have not been allowed to pay more than the minimum balance each month. With XXXX XXXX, I was paying far more than the monthly minimum in an effort to pay the loan sooner ( interest rate is quite high ). Navient does not permit advance payment. In fact, until XX/XX/XXXX of this year, every check I sent, directly from my bank, was returned through a government issued check. I also attempted to pay electronically, but that was returned. They content that, although you ca n't pay extra in your monthly payment, you can make an extra payment ; but this was not true until they realized they were in trouble ( lawsuit in XX/XX/XXXX ). I would like to be compensated for the extra interest I 've paid since XXXX XXXX sold my loan to Navient. I would not have agreed to Navient 's terms had I any choice.
The bill collector originally called my father and the message was passed on to me that this person keeps calling even after my father communicated that it was wrong number. 

I called office and someone just answered with " hello. '' I had communicated that someone was trying to call me and that I did n't know where I was calling. The female then transferred my call to the collector. 

I gave the gentleman my name and told him that they needed to remove my dad 's number from their system. He then cut me off and asked if my dad 's name was XXXX. I did n't want to give my dad 's info so I did n't answer and told him to take out number. The collector then said " Your father said he did n't even know you, just thought you should know that. '' I was taken back and asked what the point of his statement was and he just said " well, just thought you 'd like to know that he said that. '' Then he asked me if I remember seeing a Doctor back in 2015. I said, " I saw a lot of doctors. '' Then, without even verifying any more info, he completely disclosed what the bill was, who it was for and asked how I wanted to pay it. I said " Yo 're not even going to verify last 4 of my social? '' He then replied " you already verified yourself as XXXX but I have the full thing in front of my face '' " Last four XXXX and then gave me my birthday ... Then asked again, how I wanted to pay the bill or was I refusing to pay. I explained that he did n't give mini miranda or call disclosure and did n't properly verify my info. He laughed and asked if wanted to complain to a manager. I agreed and spoke to manager. Again, without disclosing who I was, he tried to get me to pay my bill. They did n't verify anything or disclose anything.
My payment is due on the first of each month. On XX/XX/18 according to my phone record, I made my payment at XXXX Eastern time. When I received my next statement I had a late fee of {$27.00}. 

XXXX credit statement does not give clear information on the time phone/internet payments are due. It only states " crediting times vary, but generally must be made before XXXX XXXX   CT to XXXX XXXX CT depending on what day and how the payment is made. If you are making an internet/telephone payment please contact Cardmember Service for times specific to your Account and your payment option. '' However, when you call there are extremely long wait times to speak to a customer service representative. I waited 25 minutes before finally hanging up. After several attempts and further waiting on hold, I was eventually able to speak to someone. The person was extremely rude and kept cutting me off and talking over me. I finally took down his name, which was XXXX, operator # XXXX, and because of his extreme rudeness I requested to speak to a supervisor. He kept demanding to know why I wanted a supervisor and it took a long time with him yelling at me before I finally was put through to a supervisor named XXXX. 

XXXX was slightly better to deal with. He explained that phone payments have to be received by XXXX CT. I explained that according to my records I made my payment at XXXX ET ( XXXX CT. ) He said that their records showed my payment not being made until XXXX ET. I questioned the accuracy of this, but he was determined his records were the correct ones, not mine. He did, however, remove the late fee, but this was a lot of hassle to go through. And, my understanding is that the CARD ACT requires that payments be credited on the day they are received. All of my other credit cards have a cutoff time of XXXX ( in their respective time zone. ) If phone payments are due at XXXX CT, why isn't this stated clearly on the statement? It seems like this system is designed to trip people up so they can collect more late fees. Customer service is poor and it is very difficult to get through to someone.
XXXX XXXXXXXX XXXX XXXX XXXX XXXX will not address the issue at hand in which is 2 documents that in which 1 is not my signature and the other is not legally binding by no notary signature nor which is binding contract nor the instrument is legally binding. XXXX XXXX XXXXXXXX XXXX has yet to prove my signature is mines in which any one can tell the document is in fact one person signature. 

XXXX XXXX XXXX XXXX keeps sending documents not requested and a lot of documents not requested in chines writing. 

XXXX XXXX XXXXXXXX XXXX does not Reply to the issues at hand. There is no legally binding contract or Instrument legally binding.
I filed a complaint my # is XXXX I receive some documentation from my Mortgage Company That they must clear up. I am forwarding the document to you after I explain how fraudulent they are. 
This letter dated XXXX XXXX 2015 states they were contacted on XXXX XXXX 2015 for a payment {$850.00} to be made on XXXX XXXX this is FALSE TOTALLY FALSE. The mortgage payment will be paid on XXXX XXXX 2015 IN THE AMOUNT OF {$850.00} TWO DAYS AWAY. I WOULD NOT HAVE CALLED ON XXXX XXXX 2015 to make a payment that is going to be paid through my bank in two days on XXXX XXXX 2015 that is schedule procedure every month. 
On XXXX XXXX 2015 the payment was made through as schedule and arrive at America 's Servicing Company on XXXX XXXX 2015. 
On XXXX XXXX 2015 the Bank fraudulently create an electronic check to my bank for {$850.00}. I was now in the negative and was charged {$30.00}. 
On XXXX XXXX 2015 they again entered the same check and again I was still negative and another {$30.00} charge to my account. 
On XXXX XXXX the check was entered again and I was charge {$30.00}. 
This Electronic check should not have been done they were paid the Mortgage on XXXX XXXX as schedule for my payment each month through the bank. 
Copies of the documents will follow. 
I am so tired of been Harass and threaten by this bank. I purchase this house for my MY PRIMARY HOME DURING MY RETIRED YEARS AND MY MORTGAGE IS MY FIRST AND FOREMOST GOAL. 
I AM EXPERIENCING A FINANCIAL STRUGLE AND I ENTER COUNCELING I REQUEST A MODIFICATION OR REFINANCING AND HAVE BEEN TURNED DOWN ALWAYS. 
MY INTREST RATE IS 8 % AND THEY REFUSE TO LOWER SAME FOR ME. THEY ONLY HARASS YOU AND TREATHENED YOU.
We have been residing in the subject property for over fifteen years. The property was quit claim deeded to us by parents, mother still has continued to live with us along with our five dependent children. When we purchased the house, we were placed into a Negative Option Arm Mortgage by XXXX XXXX broker who recommended it as the best financial solution for us and our extended family. We were unaware of the details and pitfalls of Negative Amortization Adjustable Mortgages at the time of the financing and relied upon the mortgage professional and lender for their advice and expertise. 

Once we came to understand the problems and pitfalls of this mortgage product, we repeatedly asked to convert the negative option arm loan into fixed mortgage. We submitted repeated applications for mortgage assistance programs through XXXX and all its successors, XXXX XXXX XXXX, XXXX XXXX XXXX and finally Fay Servicing , LLC. All our requests were delayed, passed from one company and relationship manager to the next and finally denied. 

Our property remains deeply underwater and no financial institution has been able to provide us with a financing option to refinance or purchase the loan. Our property was taken to auction on XX/XX/2018 ; the current redemption amount of {$420000.00} is significantly above the market value of the property. We do not have the financial means to buy the property out right.
Dear CFPB, I 'm submitting my complaint regarding a consumer mortgage loan with Associated Bank that was obtained through the XXXX XXXX Mn branch at XXXX XXXX XXXX XXXX XXXX Mn XXXX on XX/XX/XXXX. XXXX # XXXXThe loan amount was for {$41000.00}. I became concerned when I noticed that despite on time payments, my principal balance had not changed. Associated bank offered me several explanations on my numerous visits to the bank to inquire, which never really made sense to me. I was told that it took several years for the principal amount to decease. My last visit to the bank to inquire about this was in XX/XX/XXXX. I had gone into the bank and or called previous to XX/XX/XXXX, at least XXXX times a year, always trusting that the bank was correct and it would take time for my principal balance to come down. 
I was also told that my loan was an interest only loan ( though I specifically had requested a loan that was not interest only ) since my XXXX mtg was an interest only and I did not want another one. The gentleman that oversaw my loan at its inception assured me it was not interest only. Incidentally this man was no longer employed at the bank within weeks of my loan ( I did see him oddly enough at a store and he would not speak to me ) I really became concerned when a bank teller who processed one of my payments whispered to me that I really needed to get out this loan. 
At present I have paid off somewhere around {$39000.00} dollars on this consumer loan, and still owe more than the total it was taken out for some XXXX years ago. By the time I pay off this loan I will have paid {$130000.00} dollars. 
I 'm quite concerned that this loan is predatory in nature, that I was taken advantage of because of my lack of knowledge of consumer loans and that the terms of this loan were never fully explained to me despite my numerous attempts at contacting the bank. 
On my last visit to Associated Bank, I asked the loan officer if he would have advised his Mother to take this loan? He would not answer me. 
I do not think a {$40000.00} dollar loan should cost me XXXX, and I m asking for the CFBP to intervene on my behalf. 

I have attached my original note for your review. 

Most Sincere Regards, XXXX XXXX XXXXXXXXXXXX
Incorrect information on my report showing that i owe XXXX XXXX have reported incorrect information for several years..I have never had a XXXX account.i use XXXX. Please send me a contract showing that i had this service with my signed name. XXXX XXXX does not even service my area.It is illegal to incorrectly report items on a credit file.this needs to be corrected as i am buying a house.and i have never had XXXX XXXX account.If this is not removed i will have to seek legal action to compensate for my losses.
FHA loan closed with a monthly mortgage payment of {$2600.00}. Received a letter from loan company XXXX statements calling for a change in insurance/taxes, raising monthly mortgage payment to {$2900.00}.
Dear Sir/Madam I have been a long time Target customer ; I used Target red card to do my purchases. Target used to send me the card statement in a paper format using the US mail. I have never missed or delayed a payment. I decided in XXXX to convert from paper format to an electronic format to save Target paper and money. I made a purchase in XX/XX/XXXX for the amount of {$100.00} never received any email notification to pay the bill. I checked all my email account history including the spam, did not find any correspondence from Target regarding the due balance. However, there were a number of advertising emails I received from Target. The only notification I got was a phone call onXX/XX/XXXX telling me that I have been a few months late and the balance now stands at {$170.00} including {$69.00} late fees and penalties. Target also tarnished my credit score which declined from XXXX to XXXX. I was very disappointed, paid the total balance on the spot, cancelled my account, shredded the card and decided to never buy anything from Target again. I strongly feel that I was mistreated by the Target organization and the action they took against me is unlawful and unjustifiable. Can I seek legal action against Target to restore my credit and to prevent this shameful incident from happening to other people?
I authorized XXXX XXXX XXXX to make a inquiry on my credit file. The dealership auctioned my car loan out to several financial institutes without my approval. My credit report dropped XXXX points in less that 2 days.
I have  had an American Express cr edit card for a while ( sin ce  XX/XX/XXXX  ). I  have  XXXX  types of accounts with AmEX.  XXXX  that is paid in full at the end of the cycle and  XXXX  that is a revolving account that they call, " Pay  Over Time. ''  On occasion, AmEX will ask for a payment prior to the due date because they feel you may be exceeding an algorithm limit. In the past, I have paid this amount and payment has been credited to the amount paid-in-full ( not the revolving account ).     On   XX/XX/XXXX , A  mEX requested I pay {$2600.00} as I had reached some limit. I paid the requ ested amount. At the end of the month when my pay-in-full was due, the amount AmEX said I owed them differed from the tallied amount. I call many time  (   > 4  times  )  to try to find out what the problem was, and, each time I was passed to a minimum o f four ( yes, 4 ) ag ents who could not help me. I called the last week in   XX/XX/XXXX  to find see if I c ould get to the bottom of the problem and found out AmEX credited the {$2600.00} payment to the " Pa y Over Time ''  account. This had never happened before. They refused to move the payment over to the pay-in-full account and expect me to fork over this amount.
Citibank was alerted XX/XX/2015 and XX/XX/2015 that they had failed to properly post information on my credit reports. The misreporting showed me serious delinquent for 5 years instead of the account being charged off and no longer past due. Including the fact that it never properly stated the date of last payment. 
After being notified, my XXXX credit report was amended to properly show the date of last payment, no longer delinquent and the charge off. 
However, my XXXX and my XXXX were never amended and I continue 6 months later to be showing as serious delinquency. 
For intentional violations of the FDCPA for 6 months after being properly notified Citibank should be fined {$1000.00} at minimum. They had a duty after being informed to properly respond, not partially. 
If they choose not to amend the records AND pay a fine to me then I will start a small claims filing for the amounts due under Federal Law.
Attached is a third-party authorization giving SLS permission to speak with my attorney about my account. My first mortgage was modified in XX/XX/XXXX with a HAMP Tier 1 modification. Since I received a HAMP modification before XX/XX/XXXX and my second mortgage servicer is a HAMP servicer, I should have been offered a XXXX modification for my second mortgage. It has been a year since my first mortgage was modified, but my second mortgage servicer, SLS, has still not offered me a XXXX modification.
On XXXX XXXX, 2016, I placed an order from XXXX website using a XXXX. I filled out the forms that popped up. Unknowingly, the website had me sign up for PayPal Credit. On XXXX XXXX, 2016, I received a statement for an unpaid balance for my purchase. Upon calling PayPal Credit, I find out that I have a {$2300.00} line of credit. I have paid for the transaction and closed the account. I feel that PayPal Credit did not fully vet the vendor to see how their website is signing customers up for PayPal credit. PayPal credit says they do not report to credit bureaus ; however, I am concerned that my credit score will be affected by this. PayPal credit also informed me that they are not a credit card, but my account number is XXXX-digits long. I am beyond frustrated and they need to be held to the same standards of every other company in the financial industry. I also did not receive a privacy notice until my statement arrived. Had I not opened my mail, I would have ruined my credit because I believed it to be junk mail.
I have contracte d Navient for over one yea r. I lost my   XXXX   XXXX   in  XXXX  of  2016 . I sent confirmation of this and my  2016  IRS approved  XXXX  and my current income. Navient has not offered ANY assistance and continues to send me past due communications. They list my current monthly bill at {$950.00} which represents over 89 % of my discretionary income. I have been paying {$240.00} which is above the 15 % max. allowed by law on my loans and have been making monthly payments for over 28 months straight. I will be  XXXX   XXXX   XXXX  in  XXXX  and have contacted the  Attorney Generals Office ( which has a current law suit with Navient ) because of the same issues I 'm experiencing. This company has no desire to work with any of its borrowers. They push you to take a 45 day forbearance which is nothing more than a bandage on the issue- not a solution. Navient does not honoring or even entertain " the income based repayment options '' offered by the Department of Education ( which I have filed and sent the back up documentation to Navient - twice - ( which they ignore ). I would greatly appreciate your help in getting this Loan provider to follow the current laws and options on student loan rep ayments.    XXXX   XXXX   XXXX
I would like to request a security freeze placed on my Consumer Disclosure Report. 
I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX XXXX please remove any variation of my name. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX  XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NC XXXX
I received a {$50.00} prepaid card from XXXX XXXX, issued by Citibank in XXXX 2015. I forgot that i had the card and it expired in 6 months in XXXX 2015Tried calling Citibank to reissue me a new card as the funds were not used ( verified with the agent ) and they refused to issue me a replacement cardNow Citibank has {$50.00} more in their account from mePrepaid cards should have a longer expiration dateAppreciate if i can get a replacement card issued. 

thanks
First of all, I received information in the mail from all 3 agencies, which I will share with the CFPB. As XXXX student loan servicer and credit agencies are placing negative information my credit report it's still not corrected as complained weeks ago. Here is the reference numbers : TransUnion # XXXX ; XXXX # XXXX ; XXXX # XXXX. 

TransUnion ( File Number XXXX ) - Has stated history was updated and " Paid or as Agreed '', but I was 120 days late in XXXX. XXXX did not have this account then and I completed a " rehabilitation program '' in XXXX that removed all " NEGATIVE INFORMATION '' off my credit report. They have placed that information back on there and I can show you years of credit reports without the information reported and I have the rehabilitation paperwork! 

All XXXX XXXX account were removed now reinserted. 

XXXX ( File Number # XXXX ) Is stating the XXXX account will become positive in XX/XX/XXXX as they are reporting negative to information stating I'm " CURRENTLY LATE AS OF LAST MONTH '' Again XXXX is the only account reporting this information. In addition ; XXXX is report addressed I have never live at : XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX ( File Number # XXXX ) - Is reporting account " NEVER LATE ''. Which correct is correct Like I mentioned before I'm in the process of buying a house and under contract. This I can not obtain my house due to incorrect information I'm filing all law suit on ALL PARITES INVOLVED! I have been in contact with the person that sued XXXX for XXXX because they would not correct someone credit report. I close on the XXXX of XXXX and I expect this be resolved. If not I have supporting paperwork to address the issue. 

PLEASE REMOVE NAGAITVE INOFORMATION ASAP AND REMOVE INCORRECT ADDRESSES OF MY CRDIT REPORT.
XXXX   XXXX  sold an accou nt to Portfolio Recovery   XXXX    XXXX   in the amount of {$930.00} and they have been contacting me all times of day and night and threatening to sue. I have no written or signed contract with  Portfolio   Recovery. I have made all  XXXX  credit bureaus (  XXXX ,  XXXX  and  XXXX  ) aware of this matter, yet they continue to report inaccurate information on my report. T his matter has become a troublesome situation for myself and my family. Any help in assisting me with this matter is greatly appreciated.
In XXXX 2014, Green Tree Mortgage took over my home mortgage with XXXX. The statements provided by Green Tree did not provide me with needed information, such as amount due. Instead, the statement read " not a bill '', " for information purposes only '' and " total amount due '' was left blank. I called Green Tree, and they told me that this was due to a bankruptcy. I am not in bankruptcy court, though my wife did file for bankruptcy a few years ago. I asked Green Tree to send me a monthly statement with information, including the monthly amount due, due date, and the total amount owed. To date, I have not received this information. I have spoken to several representatives and sent several letters requesting this information. To date, I have not received said information. I wrote another letter to the president of the company. Although he responded saying that they were looking into the matter, the situation got worse. Now, I am not getting any correspondence from Green Tree. According to a representative, all correspondence is being sent to my wife 's bankruptcy attorney. In XXXX, a company representative suggested that I go online. I did so and to my surprise, Green Tree charged me {$1400.00}. According to a representative, the fees were for attorney costs for my wife 's bankruptcy. Additionally, I noticed that my monthly payment went up from {$700.00}, the agreed-upon amount, to {$800.00}. According to the representative, the increase was to pay for the attorney fees. I was not given any type of notice regarding the attorney fees and the increase. I recently spoke to another representative. I asked that the fees be reimbursed. The representative advised me to send a letter to Green Tree, which I did. Lastly, on several occasions, I have asked Green Tree to send my an application for " auto pay '' so the monthly amount can be deducted from my bank account. I am still waiting for this form. I am requesting that Green Tree 1 ) reimburse me the aforementioned attorney fees, 2 ) send me a monthly statement with the monthly amount, amount due, and amount owed ( balance ), 3 ) send its correspondence to my home address, and 4 ) send me an application for " auto pay. ''