WillisBack/dataset-financial-user-claim huggingface dataset:
I made a payment for {$10000.00} against my private student loans with Navient ( originally XXXX ). My goal was to make a dent in the principle and continue to make the minimum payment to help reduce the amount of interest I was being charged. However, once I made the payment, my bill was being sent to me with a monthly payment of {$0.00}. I contacted the servicer and was told that even though I made a {$10000.00} payment directly toward the principle, they were going to treat it as if I paid my loan ahead and bill me {$0.00} for years until the {$10000.00} had been utilized. I saw this as a tactic for them to collect more interest by me not making any additional payments toward the principle. Therefore I continued to make what I was told over the phone prior to making the payment my minimum payment would be. However, when I reviewed my file, i saw they were applying my payments to interest instead of the principle. I called again and they said even though I had a {$0.00} balance every month, they were still billing interest on the remaining balance on the loan and applying my extra payments to the interest they accumulated that month first instead of the principle. I requested that if i have no required payment every month then I wanted my payments applied directly to the principle and was told No.
RMI has called multiple times after XXXX, even after XXXX, despite being informed that the matter is contested - charges for medication insurance ( after date of cancellation ) that had been cancelled because the insurance had ceased medication coverage! RMI was told the billing was contested, with request for the names of their officers/owners and those of XXXX Mmedicare RxSaver Plus PDP who apparently sent them the bogus charges and instruction not to contact me again until that information was provided. Not only has RMI not provided the requested material. Not only has RMI continued to contact me, but now they are repeatedly contacting me after XXXX. When their telephoning individual is informed that they are calling after XXXX, they are refusing to terminate the call.
i have been working very hard to upgrade my FICO scores i have brought my score up to XXXX with XXXX ,XXXX with XXXX XXXX but EXPERIAN refuses to update my score they have it at XXXX i have called repeatedly, i have joined their monitoring service all in hopes of getting them updating my score when i called i went through the whole phone tree until i was finally was able to speak a representative XXXX she was unable to answer any of my questions, she passed me off to - a area supervisor XXXX XXXX refused to explain their company 's scoring formula as if her, XXXX, XXXX, and XXXX were siting there calculating algorithms that i was to simple to understand. 
A perfect score is XXXX, mine is XXXX I asked why my score was 145 points lower than the best score possible her answer was -there were 3 negative factors first, was a delinquent medical bill ; which was paid in full a that point and that was reflected in my score with the other 2 major agency 's also, one credit card was over the 100 percent credit limit in the recent past, but by the time we spoke that account had been paid down below 90 % percent of the credit limit, also reflected in my scores with the other major agency 's third MOST importantly my DEMOGRAPHICS " my demographic s '' i asked her was it because i was XXXX or XXXX what demographic was damaging my score ; she refused to answer, she said the matter would be referred to the regional supervisor, its been 5 days i have heard from no one and my score hasn't changed still XXXX  according to experian these conversations were recorded any help is appreciated
After going through numerous stages to obtain a Federal employment position, the final stage is a background check which includes pulling my credit report from the 3 agency 's. Two came across no problems but the 3rd from Equifax returned a fraud alert error. This alert was not placed by me, and i was never notified of this error. I have spent now 30 days attempting to remove this alert, calling every day, faxing requested documents numerous times. I get different explanations from them each time i call. Nobody at Equifax can tell me why the alert was placed in the first place, and now i.am being told they have no file for me at all. I am now in jeopardy of loosing this position i have worked so hard for, and nobody at Equifax will help me.
I applied for a retiree refinance on my primary residence. I gave them all of my financial information. On my tax return I write off the interest from bank of america 's equity on my primary home to a rental. the cpa makes comments on the tax returns telling under what irs ruling I can do this. My refinance on my primary residence payoff the b of a first mortgage, and the aforementioned b of a equity line. There are no liens on the rental. the are only XXXX liens on my primary a first mortgage and the equity line.. The rental is book entry. B of A insists that my CPA perjures himself telling them that my rental is free and clear. I have told B of A 20 times the only way you can meet your own condition is to pull a lot book or have a title company search the XXXX records. You ca n't expect a cpa to perjury himself. They do n't care or understand. I have been told that the head of credit underwriting wants this. I have asked to speak to senior underwriter and that is against bank policy. Also, inconsistent lending practices. They did not ask for this when I refi 'd this line on last year. I called and tried to escalate it. I talk to other B of A lending officers and they knew what I was talking about but refuse to help. There a too many emails and letters to send. You have the full story. Thank you, XXXX XXXX
Originally my mortgage had  XXXX . For breach of payments and delays  XXXX  sold the portfolio to Bank of America. My residence is  in Puerto Rico and  with the new job I have been paying the mortgage for more than 3 years without fail. When the loan was paid to  XXXX  on payment was included the payment of property insurance. Now Bank of America tells me that I need property insurance and that I have to pay {$190.00} more to pay the mortgage. I realize that this payment is already included in the payment of the mortgage. In addition they receive the payment but when I call for any service or for some adjustment or to help me some help they indicate to me that as the house is  in Puerto Rico does no t apply. I want to refinance the house and they tell me that they do not finance house in  Puerto Rico and  I wonder then how they receive the payment of my house or why they bought the wallet
I sold my home with closing completed on XX/XX/XXXX. I received a confirmation letter from the mortgage holder, XXXX XXXX, dated XX/XX/XXXX that the account had been paid in full. A follow-up letter dated XX/XX/XXXX from a national clearinghouse in New Jersey confirmed all liens had been cleared. On XX/XX/XXXX I received an e-mail from Mr. Cooper claiming my mortgage account transferred to them on XX/XX/XXXX. The e-mail provided instructions on establishing an online account and automatic payments. Calls to Mr. Cooper and XXXX   XXXX  failed to gain resolution. On XX/XX/XXXX I received a letter from Mr. Cooper with a statement and a bill for mortgage payment on XX/XX/XXXX for the home which was sold on XX/XX/XXXX. Again a call to Mr. Cooper failed to gain resolution. I need for Mr. Cooper to cease these communications and close all references to this closed account.
The name of the current holder of mortgage is Caliber Home Loans INC., number of contact XXXX XXXX and XXXX XXXX. is their representative as attorney number of contact XXXX XXXX. I simply put in for a request of payoff and it was to be sent to fax number XXXX XXXX attending XXXX XXXX XXXX. located in XXXX Massachusetts close to 4 weeks ago. 
My name is XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, Massachusetts XXXX. I am a current tax payer of XXXX years of age. I am simply looking for a payoff amount but they both have refused to provide me with one for up to four weeks, I have discussed this with many of their employees and they have strung me along and lied outright stating it was sent we have it but cant issue it to you and then others are stating that it was not sent over yet, Sent but will take 24 hours by fax. I have a number of credible witnesses that can give sworn statements as I have discussed these matters over a speaker phone line. Even had a conversation with Attorney XXXX on the line with XXXX XXXX. but all empty promises of completion. What can I do???
XXXX XXXX XXXX hasnt reported my credit card account to XXXX  and transunion its been almost two months and i called them and never heard back from them and i closed the fraud dispute and told XXXX XXXX XXXX that this credit card account belong to me and it only been reported to XXXX and they refuse to report to other two credit agencies and never heard back from XXXX XXXX  account number ending XXXX and i would need this account to be reported ASAP THANK YOU
I was contacted by navient ( XXXX XXXX ) on XXXX XXXX, 2015 at approx. XXXX spoke with lady ( never gave name ) who advised me the status of my account. She advised me that I was 2 months behind at the beginning I told her that I could not pay until XXXX and XXXX/XXXX/2015, she advised me that she needed me to pay today or this month. I told her that I could n't she said that my account would escalate and they would start calling my co-signer. I feel very threatned by navient, I am not sure why she would tell me that my co-signer would be contacted, she is already called XXXX times a day so what changes now? I then asked her for a supervisor over XXXX times, and she never transferred the call. She said to me that she needed to know why I wanted a SUP I advised her to complain on her she still continued to speak and make me feel " threatened " and upset. I am currently suffering from a XXXX in which I am not allowed to have any XXXX and this is why I fell behind in my payments. She made me feel like I did something wrong and worse than I already fill. I then had to call back and request another rep XXXX to speak with a SUP he transferred me immediately. In speaking with the sup he advised me that I could set up my arrangement for XXXX and XXXX as previously requested and in addition he advised me that they had the correct card on file that the very rude rep I spoke with first did claims that I did not have on file. In summary, I feel that Navient has mislead me, harassed me and threatened me about my situation please help.
Equifax is violating the FCRA by not blocking and removing fraudulent accounts!!! I have sent in police reports and ID THEFT affidavits and troves of other supporting documents clearly showing this to be the result of ID THEFT, All I keep getting told it that they are begin verified as belonging to me!!! How can this be when the other agencies have removed these fraud accounts with the supporting documents? Equifax needs to follow the law and remove the following!!! 
1.XXXX XXXX XXXX Account XXXX XXXX Date Opened XX/XX/XXXX Balance {$10000.00} 2.XXXX Account # XXXX Date Opened XX/XX/XXXX 3.XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Equifax has also ignored a XXXX complaint that I filed against them by saying that my info does not match even though I sent them the required documents verifying my ID>
XX/XX/2018 U.S.Bank charged me an overdraft fee of XXXX. My check deposited during the blizzard in New York and i explained this to them, I had an automatic payment that came out on the same night that my check was deposited and they clearly chose the payment over my check. I called and talked to XXXX XXXX and told him my dilemma. He proceeded to tell me a refund was given once before and said too bad we cant do anything. 
tried the XXXX but had to reject US banks answer because they gave a generic response that didn't address the problem. 
The main issue was an electronic deposit was made on THE SAME DAY. US Bank choose to overdraft instead of depositing the funds first. 
US Bank bank dealt with the charges out of order, processing the largest transaction first. 
This common practice allows banks to deplete your account faster, thus making it easier for them to charge unnecessary overdraft fees. 
Therefore I reject their business response. 
The XXXX closed my Complaint Complaint ID : XXXX Complaint Type : Business Complaint Date Filed : XX/XX/2018 XXXX XXXX Dispute Center : XXXX XXXX XXXX ( XXXX XXXX, MN ) XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Email : Web : XXXX : XXXX
I was charged interest on purchases for a credit card that had been paid in full the prior month. When I called to find out why I was charged interest, I was told that the interest was residual interest and unless I paid my account in full 2 months in a row, there would be residual interest. I asked them to explain to me what purchases had residual interest and they could not explain it.
Bank of America has increased my mortgage balance by lying and deceit. From charging me for mowing the lawn to clearing debris. The XXXX XXXX XXXX has proof from XX/XX/XXXX to XX/XX/XXXX that Bank of America never removed debris or mowed my lawn. the only person that mowed my lawn was me. Furthermore, Bank of America has put my home into foreclosure with a XXXX XXXX
I booked a vacation home with a vendor and the vendor request payment via  XXXX . So, I used my  XXXX  account to make the payment directly from my bank account. Unbeknownst to me,  XXXX  automatically created a credit account without my consent. I did not want a credit card account with  XXXX . This scam has been widely reported. I thought I was paying with my bank account and then a few weeks later I got a credit card wiith a bill. I immediately paid it off and never used the credit card. I few weeks ago, I had another vendor for a cleaning service request payment via  XXXX . Again, this went on the credit account that I never wanted to use and I got another bill.
Hello, I have been notified by equifax that my information might 've been compromised by the recent hack on Equifax. I 've contacted Equifax twice to get numerous inquiries from my account deleted. I 've also sent letters to each creditor that has an inquiry listed on my credit report without any resolution. Please help me in finding a resolution with Equifax. 
Equifax apparently has an auto response for inquiries when they are disputed. It kicks them out without a thorough investigation. 

Kindest regards, XXXX XXXX
I have had a XXXX XXXX account since XXXX. My account has always been current - as a XXXX studentXXXX and professional. My current balance is {$19000.00}. 

I was laid off from my job in XXXX, XXXX. I contacted XXXX regarding my job status in XXXX, XXXX and let you know that I would be living off my bi-monthly unemployment benefits for the unforeseeable future. In the meantime, I would continue my fervent job hunt. At that time, I set up a monthly payment plan of {$97.00} for three months in which no interest, late fees or over -the- credit- line fees would be applied. I also agreed to close my account for the time being. I asked what would happen after three months if I had not found a job yet and the representative assured me that we would continue the agreement- if need be. 

Three months later, after having made my monthly payments - I still had not found a job yet. So I indicated that I would like to continue with our new agreement. However, the representative informed me that I could no longer continue the $ 97 monthly payments and I would need to pay at least {$190.00} a month going forward. 

I was unable to afford to pay {$190.00} at this time. In fact, given my living expenses - I would be unable to live if I paid more than {$97.00} a month. XXXX did not care about this. They were totally unwilling to continue my payment plan. They wanted what they wanted. Period. 

It is now XXXX and XXXX sold my debt to Unifund CCR , LLC in XXXX, OH. I am still unemployed and they served me court papers recently informing me that Unifund is suing me for approx. {$22000.00}. I just mailed in my response to the court. Can the CFPB help me with this crucial matter?
My complaint is with XXXX XXXX XXXX On 4XX/XX/XXXX at XXXX XXXX, I went to the bank to cover my overdraft that came in on XX/XX/XXXX. PNC 's policy is if a check comes in on the day, you have until XXXX XXXX to get the money into your bank account, which as I stated, I made my deposit at XXXX XXXX. When I made my deposit, I was {$0.00} cents overdrawn, however, PNC would be able to get the {$0.00} cents from my checking account as I have overdraft protection. When I looked at my balance, it stated I was ONLY {$0.00} overdrawn and I also called on the telephone to check my balance at XXXX XXXX, the telephone banker reported that I was {$0.00} overdrawn. Again, they could pull the {$0.00} from my OD protection account. As far as I could tell, my account was OK. Today, XX/XX/XXXX,  when I checked my balance, and to my surprise, I am charged with a OD charge of {$36.00}. There was no indication that anything else was pending in my account. If so, I would have put that money into my account to avoid an OD charge. That is why I was at the bank last night to avoid an OD charge, however, this morning, my account is showing a {$35.00} amount that was not showing last night. PNC does this all the time. Why is it that that XXXX was not showing up when I went to the bank last night at XXXX XXXX. This bank does things like this all the time. 
Apparently, this amount must have came from my debit card. Again, had that XXXX been pending last night at XXXX XXXX, I would have paid that too. I had the money to put in the bank, however, again, my account was ONLY {$0.00} overdrawn. 


PNC is a bank that likes to take fees. I would like to have my XXXX because last night, I satisfied my account and anything else that showed up, showed up on the next day, because again, last night, I was ONLY {$0.00} OVERDRAWN and as far as I know, the bank should not charge you an overdraft fee for less than {$1.00}. I have my PNC deposit receipt from XX/XX/XXXX at XXXX XXXX and again, it does not state any {$35.00} charge, had it, I would have put that in my account. 

Again, I would like PNC to return my {$36.00}, as they hid the {$35.00}. Again, the {$35.00} did not show as outstanding in my checking account last night.
1 ) I called Experian credit Reporting agency regarding My negative remark on my XXXX XXXX XXXX account. The negative remark was caused by my disputing a fraudulent charge on the account which caused my credit score to drop significantly. I provided my social security number, date of birth, address all correctly. I was not able to answer their security questions regarding my current account balances correctly so I they said they could not help me. I asked for a supervisor and told her that I could not start to even fathom how asking for a account balance that is perpetually changing is the only security questions they could come up with in order to help me. I had no issues with XXXX XXXX in verifying my identity and was not asked ridiculous questions about account balances. How could anyone know the date at which they looked at an account balance in order to match up and pass their security questions. Also the fact that disputing fraudulent charges causes ones credit score to drop only encourages consumers to not report Fraud!

2 ) My second complaint is regarding XXXX XXXX Credit reporting agency. I contacted XXXX XXXX in regard to My XXXXXXXX XXXX ( XXXX XXXX ) account information and I disputed account information and the outcome was that XXXX XXXX erased my XXXX XXXX account from ever having existed on my credit report. When I contacted them further they allege that the company XXXXXXXX XXXX ( XXXX XXXX ) stopped reporting. So I contacted XXXX XXXX and they stated that they have been reporting to XXXX XXXX. So I went back and forth and even wrote letters to both XXXX XXXX ( XXXX XXXX ) and XXXX XXXX with no explanation or any pleasant outcome. So I am filing these two complaints in hopes to attempt to rectify these situation and would appreciate some help and a response to these issues!
I have an account on my credit report that caused me to be denied housing on XX/XX/XXXX. I contacted the agency who is listed : RENT RECOVERY SOLUTI Reported : XX/XX/XXXX {$1600.00} Needs Attention Overview You've paid off 0 % of your collection amount.

Balance {$1600.00} Highest Balance {$1600.00} Opened XX/XX/XXXX( 7 mos ) Account status Open Type No Info Responsibility Individual Account.

Original Creditor Name THIRD PARTY XXXX Creditor Information RENT RECOVERY SOLUTI XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX   XX/XX/XXXXI disputed the information. Then in XX/XX/XXXX I called again to Rent Recovery and they told me to call another company, XXXX XXXX XXXX. But they're the company on my credit report and this other company has never heard of me.

I have a recording of the call.

I have disputed this with XXXX twice and they have " confirmed '' it twice. But XXXX says they are confirming my name and not social security number. So they asked them to verify mu social security number the the second time. They " confirmed '' but it's IMPOSSIBLE because I've never leased with them. Nor are they supplying the social security number they have.

I have owned my house since XX/XX/XXXXthat I'm now trying to sell. Also there isn't an inquiry for when this " account '' was opened in my credit file to have alerted me to something even going on in my name, which I don't think is the case, as when I call Rent Recovery, giving them my social and other information they don't have account and refuse to speak to me. But I can't get them off my credit report either.

I would really like to be able to stop sleeping on the floor of a friend 's place and get my own. But this is preventing me from having a place to live.
I paid a debt settlement to IQ Data International on the basis of a pay-to-delete. I have requested multiple times for a validation of debt and they refused until I paid the debt. After contacting the original creditor they stated that I have no debt obligation with them and any amount I paid the collection agency would result in the removal of the account from my report. IQ Data has yet to honor this on the basis of " recorded agreement ''. Although the account is " settled '' I would like for IQ Data to substantiate their right to provide derogatory and fraudulent information to my reports which should have been removed.
My mother and I were on a CD together at PNC Bank. She unexpectedly passed away in XXXX XX/XX/XXXX. I let the CD roll when it came due in XXXX XX/XX/XXXX since I was unprepared to deal with that after her recent passing. In XXXX of XX/XX/XXXX, as I was trying to close my mom 's estate, I went to the PNC Bank branch in XXXX XXXX, Alabama and provided all necessary documentation to remove her name from the CD. In the course of removing her name, I was then charged a fee of {$40.00} as a " early withdrawal penalty ''. I was told at the time that this was necessary and could not be waived even though I was leaving the funds on deposit with PNC Bank and remaining as a customer.
I put a stop payment on a charge for cable that was not authorized and had already been taken from our account two weeks prior. I was told it would be stopped and not go through. Two days later it went through and created an over draft of XXXX