WillisBack/dataset-financial-user-claim huggingface dataset:
I consolidated my student loans in   XXXX   XXXX    . I began repaying my loans in    XXXX   XXXX     . I understand that my payments will apply only to interest until my interest balance is  XXXX  and then they will apply to principal. The payment history page of  XXXX   XXXX  's website does not show how change in my interest balance. The payment history shows the date of payment, my total payment, how much of my payment was applied to interest/principal, and then my total principal balance. There is no column to display total interest balance, which would show my interest total decreasing as I make my monthly payments. I have searched the website and the only place where I can see my total interest balance is on the home page, but there is no history option to show me what the interest was before I made my payments, and how the balance has decreased each month. This is disconcerting because, just by looking at the payment history, it is impossible to see how my monthly payments are affecting my overall balance. Great Lakes should include an interest balance column of the payment history chart to clearly show how my payments are applying to interest over time. Otherwise, there is no way for me to verify that my payments are applying correctly and instead I have to just rely that my payments are properly being applied to my interest balance.
My XXXX student loan was bought by XXXX. They said they were going to move the student loan over to the XXXX system, and give me a 71 % discount on the loan. I have n't been able to make any payments because I am paying the XXXX student loans. 

It is showing that this loan is going in default, and also that the loan has n't been switched over to XXXX. 

I am filing this to get a deferment so that the XXXX Student loan can be transferred over at the new 71 % discount rate, which would make the loan originally less than XXXX dollars. 

The implementation of the loan onto XXXX 's website has taken so long it has started affecting my credit score. 

I tried to call AES to put the loan on forbearance or deferment but to no avail they will not work with me to do the deferment. 

I need it to be deferred XXXX more months. So the loan can be transferred over to XXXX, and be rolled into the bankruptcy settlement.
The inquiries below are not mines. 

XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, AZ XXXX BYMAILONLY XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Reseller XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX BYMAILONLY XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX BYMAILONLY XXXX  XX/XX/XXXXXXXX XXXX, XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX BYMAILONLY XXXX XXXX XX/XX/XXXX XX/XX/XXXX Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
I have been disputing inaccurate information that is reporting to the XXXX major credit reporting agency 's in regards to my capital one account. It is reporting as having a late payment. ( which I never was late in paying ). Recently I requested my interest rate to possibly be lowered. Capital one lowered the interest rate and sent me a letter that I would receive {$24.00} credited back to my card due to the lowered interest rate. I viewed the statment and it is showing as a late payment reversal fee. I contacted capital one as I explained that I was not late with my payment and have not received the credit back to my card they had promised. I was told that on XXXX/XXXX/2016 there was a credit for {$24.00} and on XXXX/XXXX/2016 there was a credit for XXXX cents. I explained that this is very confusing because showing on my statement it is showing as a late fee reversal. I also asked why in XXXX the XXXX then in XXXX the XXXX cents. I was told this is the credit that I was to receive for the interest rate. This is very mis-leading as it shows on my side that I was late and they gave me back the late fee. This is wrong information and also very confusing. I am submitting this complaint because I was not happy about seeing a late fee credit when I was not late. It should be listed on the statement a credit due back for lowering interest rate. This is very diseving. I am submittin this complaint because capital one is reporting that I had a late payment last year ( which I did not ). Having this deragatory remark reporting on my credit reports is affecting my credit score in a negative way. After seeing today how my statement read an untrue fact is quiet concerning to me.
Navient has been extreme ly difficult to work with. My husband is a   XXXX   XXXX    and  the program takes  five y ears. During this time money is VERY limited. He has been  XXXX  on my family and I to try and make these payments. We are trying ! Navient  has NOT been willing to help us I any way. In the meantime they are hitting my credit every time I turn around. It 's not fair and needs to be fixed! I have explained to them that I will be done with   XXXX    XXXX   XXXX   in  XXXX     2017 an d at that time can begin regular payments. I feel like I have been charged additional interest and fees that need to be fixed. We are supposed to be on a rate reduction plan but every time we turn around they are telling us that we are no longer on the plan and calling us every single d ay three tim es a day and charging us more in interest.
I spoke with Lowes Credit XXXX on XX/XX/XXXX.2017 about raising my credit limit to {$1000.00}. I asked them to run a soft inquiry only because I am applying for a mortgage on Monday and do not want any hard inquiries to affect my credit score. I specifically asked for only A SOFT INQUIRY AND TOLD THEM NOT TO RUN A HARD INQUIRY. My XXXX score was XXXX as of XXXX/XXXX/2017. 
I check my reports everyday because I am meeting the mortgage officer this coming Monday to get a pre approval for a mortgage.. I wish I never ever spoke to Lowes. I never would ask for a hard inquiry knowing the depth of injury it would put on my FICO score. 
Today I looked at my credit score and it has been reduced to XXXX. I looked into my repot. Lowes ran a hard copy of my credit and reduced me by over 20 points in my FICO. This is so unfair to me. The whole credit reporting business has been a nightmare to deal with. Everyday thee is an issue. Just when I am finally in the home stretch and meeting my broker on Monday, THIS HAPPENS. tHIS WAS NOT WORHT THE PHONE CALL TO lOWES. tHEY MADE AN ERROR WITH MAKING A HARD COPY. 
This hard copy info needs to be removed so I can qualify for my loan. I am so tired of being beat up by the credit card company poor reporting and constant mistakes through XXXX, XXXX XXXX and XXXX. 
You are the only people that help. Please please please help me.
We bought a mobile home in XXXX Id. They would n't let us see the place till we signed all the paperwork. No cell phone service or land line.They knew about XXXX XXXX medical condition needing a phone.There was holes in the skirting. Also air was in water lines.The kitchen sink jump all the time and had to try to start it a couple of times to get water. We had satellite tv and it would come up no signal.
At the end of XX/XX/XXXX our mortgage was sold. It had been with XXXX XXXX and it was sold to something called Mr. Cooper. We have never been late on a payment in over 20 years. We are very close to being finished with our mortgage. We got XXXX information about how to pay our mortgage from Mr. Cooper. My husband called XXXX and was told there was a 60 day grace period. Then within a week or so this Mr. Cooper place started calling my husband at work telling him our payment was late. He did n't even have any information at that point on how to pay or who to pay. We finally got paperwork from them and he set up on an online account and paid the mortgage. He continued getting robocalls at work. He has been getting one to two calls per day from this company. Yesterday I called to confirm that they had indeed received the payment. After being forced to listen to a recorded message telling me that anything I said on the phone would be used against me, I talked to an agent who claimed they had received the payment. Today ( XX/XX/XXXX ) we received a letter saying we were overdue on our payment and that we owed them double the monthly payment. In addition somehow they appear to have added {$1000.00} to our escrow account which stands now at close to {$10000.00}. I am outraged by this treatment. We have never had any trouble with any mortgage provider until this Mr. Cooper thing happened. We are about to just pay off the rest of the mortgage so we never have to deal with Mr. Cooper again. I wanted to write this complaint in case other responsible customers are getting these harassing calls and letters from this company. I think they need to be investigated for their practices. Are they even within their legal rights to call my husband every day at work harassing him for a payment that we have already made? How long once a mortgage is sold do consumers have to make a next payment to the new servicer?
I was a victim of unauthorized transactions due to the cust service rep failing to cancel my account after crediting my account for unauthorized transactions. This led to additional unauthorized transactions occurring by whoever had my card. 
I was by assured by capital one that : 1. My credit would be re-reported and updated immediately as " current '' after the account became credited again for the unauthorized balance 2. All of the " PAST DUE '' reporting for the months of XXXX XXXX XXXX XXXX 2018 would be removed from my reports since it was past due as a result of the unauthorized transactions that were causing the balance on the card. 
This did not happen and it is preventing me from obtaining credit. 
This is causing me to suffer Damages and I should not be " HELD LIABLE '' as per Capital One 's own Policy. 
In Fact Capital One is going to be Held Liable for such Damages suffered by me as a result of breach of " zero liability. '' promise. 
Damages will be sought for unless this issue is resolved.
Both XXXX and TransUnion report an account that is over the statue of limitations. The XXXX XXXX XXXX the first time it was disputed they both sent in information indicating the account first became late in XX/XX/2011 then when additional information was requested, they started to report different dates the account was delinquent. Every response/report received has different information and it makes no sense. Also my mortgage with XXXX XXXX XXXX was modified under the govt relief act and part of that process is that they were not suppose to report late payments during the process yet the two bureaus are still reporting them.
I never opened or seen the credit card come to me from XXXX XXXX XXXX Credit Card. At the time they claim I had gotten card I was living in XXXX CA. I been living with my parents in XXXX XXXX CA. One thing has stopped the calls from XXXX XXXX because they can not legally track me to my parents house when they never gad the number in the first placr and my father told them quit persueing otherwise talk to our lawyer that stopped the calls but I still getting mail into my parents post office box if I was in XXXX where they say I opened credit how are they sending to a box in XXXX XXXX I didn't give it to them. I had no existence of the card or anything from XXXX XXXX until I noticed it on my credit report. I am in the process to taking XXXX XXXX  to Court for harrassment and turning in complaint to Experian and who knows the other 2 credit bureaus and I guarntee I will win I have probably over half of the lawyers in XXXX XXXX County that are personal friends back me up and ready to fight XXXX XXXX when I say so and I will go against Experian and the other 2 credit  monitoring companies if its not erased from my report and Experian knows the others I'm disputing too I am just starting with XXXX XXXX and then others will follow. I can not fix my credit if my disputes dont get resolved and I can't fix everything because I been a victim of Identity theft already and I am taking revenge as of now and will probably become rich in the process because I will win.
I applied for assistance with my utilities with XXXX XXXX XXXX and XXXX. XXXX made a payment to account number XXXX. XXXX check number XXXX dated XX/XX/XXXX. Another payment was made on the same account number using check number XXXX, in the amount of $ XXXX-XX/XX/XXXX. A payment was made to EPAY from XXXX XXXX XXXX account number XXXX, in the amount of {$360.00} date XX/XX/XXXX. All of my transactions was being manipulated by the XXXX Family. They 've stolen my identity. Social Security Card have been stolen, my drivers license have been stolen. All my former employers have been changed with all three credit agencies. My last employer from XX/XX/XXXX-XX/XX/XXXXis XXXX XXXX XXXX XXXX . Their ein number is XXXX. IRS can verify my employment with the company. Social Security can verify my employment. My social security number is XXXX.
bank of America has refused to assist me with my mortgage issues. They have delayed assistance over and over, and initiated foreclosure against myself. They have violated the fha hud servicing requirements several times.
I originally sent this dispute ( Case number : XXXX ) and contacted XXXX County and received the attached document showing the tax lien has been paid in full/ satisfied. There are XXXX entries under the public records for this dispute on my credit report. It is under XXXX County Spr Cour and XXXX County Superior Court.
I called the company and asked them to verify debt, I have sent emails and shown that debt is not owed, the company will not remove the debt and states that I was to difficult to talk too, I have asked for the proof that they own this debt and they continue to deny me of that, I have asked that they remove the debt with all XXXX credit reporting agencies and without assistance they tell me they will and do not, I have spent countless hours on the phone and emails and money to check to see If they have removed the debt and they have not.
After numerous attempts since XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have sent out emails and phone calls explaining proof of payments that we've have made our mortgage payments on time and are current since we completed our BK in XX/XX/XXXX and was instructed by the Trustee to make our first payment for the month of XX/XX/XXXX and an attached legal document of " FINAL CURE '' identifying that we ARE NOT INAREARS of any payments and we are current. Each time my wife and I have called XXXX customer service, it was ask if my emails including my attachments were reviewed? 

At each time the answer from XXXX was " we did not receive the emails, so no one has reviewed them. '' This is unacceptable and I find this hard to believe. On XX/XX/XXXX the Trustee was speaking with XXXX ( XXXX rep ) as my wife and I was part of the conversation listening in as XXXX had asked for proof of payments by the Trustee. The Trustee rep emailed the information to the required XXXX email address and yet there is not recorded of it. My wife made an another phone call to XXXX on XX/XX/XXXX to find out of any updates because we were told the review by XXXX   should be completed in 7-10 days, but it was already beyond the time frame given and the rep said " Oh it was completed a few days ago. '' However, each time we would asked when someone would contact us of the results we get the same response from the XXXX rep " someone will contact you or your husband '', well no one has made any attempt to reach us. The same day of XX/XX/XXXX my wife reached out to the Trustee to let them know the concern once again and to let the Trustee know the email sent on XX/XX/XXXX was not received by XXXX. The Trustee re sent the email and faxed the proof of payments to XXXX on XX/XX/XXXX. 

We had asked numerous times to speak to someone in a different level or department who is handling our case, but the response we are given is " well let someone know. '' Seems like a cover up for XXXX not to accept the truth and not wanting to engage with the customer. XXXX says the review has been completed and it is shown that we are 1 month behind in our mortgage payment, but yet XXXX only reviews their records, but FAIL, REFUSE OR IGNORE my information that I've been providing including the legal document of " FINAL CURE. '' Whatever the case maybe, XXXX continues to think we are behind in our mortgage payments.To add to our concern, this has put added stress onto our lives that we don't need as my wife is recovering from her XXXX  XXXX dealing with XXXX in addition, XXXX is damaging my credit. 

As of XX/XX/XXXX XXXX  still contends we are 1 month behind in our mortgage payments. I have taken a lot of time during my work time to get bank documents and send out emails and try to connect with someone hire than a XXXX rep to hear my complaint. No such luck that XXXX will not let us speak with anyone other than a rep from customer service. Since the credit report ( attached ) XXXX has reported my credit 30 days late each month to XX/XX/XXXX, XX/XX/XXXX is about to be finished and they will once again report me as 30 day late.
My husband and I have received a number of calls from XXXX XXXX, an Independent Process Server regarding an attempt to deliver civil documents. She gave me the number of a company Alternative Dispute Resolution in XXXX TX ( XXXX ) XXXX File # XXXX. I spoke with a man by the name XXXX XXXX who told me that he was trying to send documents to my husband regarding a debt to XXXX   XXXX XXXX from 2006 resulting from overdrafts. I asked him to send the information certified mail, to which he refused. He said if we did not allow him to serve my husband at work they would move forward with taking legal action to attach wages, tax refunds, and seize assets. He claimed they were not a debt collector. He refused to send the information certified mail and hung up on me. I also believe he should not have shared private information regarding my husband.
All of my mortgage accounts get paid via bill pay from  XXXX   XXXX .   XXXX    XXXX   XXXX  has sold my lo an to Carrington. W hen this loan was transferred over there was a negative amount in escrow account at   XXXX    XXXX   XXXX . Per escrow instructions, I was paying down the negative over 12 month period with my payments . Carrington computer system has expected illegally to collect full escrow negative from my mortgage payment. Per fair credit act this is prohibited. In addition, I was never correctly notified that my payments were going into suspense and late fees were adding up. I only found out because of inaccurate reporting to the credit bureaus and my credit score going down for miss ing payments that  XXXX  has made on time. I have made additional payments to the account to correct the issue.
XXXX XXXX, a division of XXXX, has submitted a bill to collections against me. The charges are related to an energy bill for XXXX of XXXX for a former residence of mine. I vacated the home, and closed all accounts with XXXX, in XXXX of XXXX. 15 months later, they assigned these charges to me. Upon investigation from the collections agency, it was revealed that XXXX had sent a meter-reader to the home, 15 months after I vacated the property and closed my account. Based on that reading they assigned charges to me of {$230.00}. These charges took place 15 months after I had lived there. Multiple other XXXX accounts had been opened by the new residents at the home since mine was closed. XXXX has been unable to offer me any explanation as to why these charges were assigned to me, and have stopped returning my calls and emails. I have contacted all XXXX major credit agencies to dispute the collection ( which caused my credit score to drop significantly ). After investigating, all three determined these charges to be unlawful, and deleted it from my credit report. 

I would like for there to be an investigation into how a company like this can simply re-open an account that I closed 15 months prior, and start adding new charges. There was no attempt to contact me regarding this debt, in fact I have had no contact with the company since the day I closed my account upon my relocation in XXXX XXXX. They simply sent this directly to a collection agency.
I have had nothing but problems when trying to make a payment with Fifth Third Bank. I 've had to request that my online account be reset multiple times due to problems with their website. I 've tried calling but the system wo n't allow me to make automatic payments over the phone so I have to wait on hold for a ridiculous amount of time, and often times I 've been disconnected and have to start the process all over again. All of these technical issues have resulted in some late payments, numerous late fees, and now my credit report has been negatively impacted. The last customer service person that I spoke with was also informed about my troubles when accessing the account. I tried making my payment on the due date and could n't access the account, she then ADMITTED to me that the website has been having problems. I asked her to remove the late fee that I was charged but she refused, even after admitting that the website has been malfunctioning. Because of the late payment the company has reported to the credit bureaus that my account as being paid late, and the result has been a drop in my XXXX XXXX. I 've tried working with the company but they did n't seem to really care about me as a customer or the issues that I was having. I will never do business with this company again. I plan to pay the card off and close the account. They have HORRIBLE service. I tried finding contact info for a department to file a complaint but had no luck.
Net Spend sent me a card for which I did not apply. This is an actual chipped card, with embossed numbers, and my name on the front. I was under the impression that this practice was illegal, as it made the recipients of these cards easy targets for identity theft. I have never had any contact with Net Spend, and until about  XXXX  minutes ago, when I opened some mail, was completely unaware of their existence. I am appalled that any company would be so reckless. It is negligent on their part to send out a card, to my home, that could so easily be activated by someone other than myself. Their business model is predatory and unethical. They charge consumers a ridiculous amount of fees for using their own money.