WillisBack/dataset-financial-user-claim huggingface dataset:
I have several problems with Navient in handling my student loans. 
1. My original loan amount was {$4400.00}. It is now up to {$76000.00} due to the company encouraging me to apply for a forbearance or " hardship '' deferment. 
2. I have made several payments ( via different methods i.e. online, over the phone, mail ) and they have either applied the wrong amount to my loans, or given me to wrong amount to pay, or charged a late fee for a payment that was not late. 
3. I was not told that I need to renew the Income Based Repayment Plan I was on and therefore my payment was changed and then charged as late. 
4. I am supposedly reported to pay {$500.00} a month. Only {$100.00} of that goes to principle and the remain {$400.00} goes to interest. 
5. When I have been late on a payment they have called my parents, cousins, and even ex-husband asking for them to make a payment. They have called exactly 21 times in one day ; oftenn one call right after another. They call as early as XXXX on Saturday and Sunday mornings and then as late as XXXX every night of the week. 
It seems like the more I try to pay and stay on top of my financial obligations with them the more they charge me or effect my credit.
XX/XX/2012 {$4000.00}, The company is trying to collect an OLD debt in which a VOLUNTARY repossession occurred. They would not allow me to Refinance which left me stuck paying on a car that has no function. I have XXXX small kids and I felt they tried to get over on me. They In turn tried to take the money out of a Bank account that I no longer have. This in turn is causing a lawsuit with that bank. I did not give them authorization to do that. I do not owe this debt
I have this phoenix recovery group reporting negative. I disputed it and it came back as my. I contacted the source themselves and learned that it was a apartment lease that they said it was a broken lease. This was at XXXX in XXXX XXXX TX. my apartment had caught fire. It 's still online at XXXX XXXX. We were relocated to a hotel for about a month. Then we were released from the lease. We signed release papers.I tried finding the release paper and could n't. I talked to Phoenix recoveryour group and explained what happened and they did n't care one bit. They said they want their money and that 's all. I asked for proof of it being my so I can find the management company that was there at the time in 2009. They told me they do n't have to show any proof at all to me. I was released from the lease and should n't have to pay for it. I want this removed from my credit report ASAP. If failing to do so in a timely matter I will be urged to take legal actions as it has been harmful to my credit when it should n't even be on there in the first place.
On XXXX XXXX, 2015 I made a payment over the phone with BOA, for XXXX month, they waived my XXXX processing fee. On XXXX XXXX, 2015, they took out XXXX XXXX payments from my checking account, leaving me with only XXXX. On the response I received on XXXX/XXXX/15, they stated that because my account was past due XXXX payments they took out more then my payment that I authorized. I want to see their policy where it states, that because I was past due they have the right to deduct XXXX XXXX payments from my checking account with out my authorization. If they can not provide that information they need to compensate my account for a mortgage payment, If not I will be contacting an Attorney. This is my XXXX complaint,. I also requested a call back regarding this issue, I got a call back XXXX weeks later. Keep in mind, that BOA only left me with XXXX in my checking for my family to feed and at that time it was snowing and cold, I had to borrow money to pay my electricity bill to stay warm. So its up to them, do they want to pay me out for a law suit or compensate me for something they are not allow to do with out my authorization. This will be my last complaint I submit, next time it will come from my attorney, I also received a Breach letter, which was incorrect, due to my payment had been made in XXXX/XXXX/15, leaving me with XXXX payment due on he account not XXXX when they reversed that large amount due to I placed a stop on the transaction because I knew it was going to take them weeks before I got my money back, due to debiting more then the regular monthly payment. Now I have to drive to the branch and make my payments because I do n't trust them on making a payment over the phone.
A few years ago I had several collection accounts from XXXX XXXX XXXX, which were reported to all three credit reporting agencies. After these account were paid in full, I was assured that these account would be deleted from all three bureaus, and they were. About a year ago ( XX/XX/XXXX ),   five of these accounts appeared on my TransUnion report. After noticing that they were not on the other two credit reporting agency reports I contacted TransUnion and asked for an investigation. The investigation resulted in the deletion of the accounts ( XX/XX/XXXX ). However, about two weeks later they were back on the report. This went on for about five ( 5 ) times over a four ( 4 ) month period. I have called XXXX XXXX several times in which they have informed me that first of all they stop reporting to the credit reporting agencies after a year, secondly, they don't give permission for deletion and turn around and report again, and thirdly, they report to all three bureaus, not only TransUnion. TransUnion is not cooperating with the investigation and continue to delete and re-report these account, and in the meantime, my score is affected by at least 60 points. I do not know where else to turn. Your help in this matter would be greatly appreciated.
Pnc just purchased our mortgage from XXXX XXXX in XXXX XXXX. Every ince we started this loan I have always been XXXX payment a head. Started paying on this mortgage XXXX XXXX. The first payment was not due until XXXX XXXX we have never missed a payment. In XXXX I had a dispute about repairs that need to be done on a dump truck and trailer I drive. I informed him that I could no llonger safely drive vehicle until repairs were made.well h not only just replaced me but refused to pay the money he owed me almost XXXX but that the way things can go. So I made some adjustments to get but and XXXX was to not be a month ahead on mortgage for awhile Pnc has done nothing but harass me and my XXXX XXXX XXXX mother in law. I explained to them what i did and told them to go back over the history of our loan and send me a copy. Well they only go back to XXXX so they cant see that i started paying on this mortgage 1 month early and I have also made another extra payment to come of the principal.
A lady impersonating a attorney called my phone and left me a very threatening message i called the number back and she said she was from the XXXX XXXX in California. Stating that I was being sued for fraud for not paying a pay day loan from cash central, and that a sherriff was going to serve me at my job. My loans with Cash Central are paid in full btw. I even have documentation stating that my loans were paid in full. She told me that if I didn't pay them, that I would be served at my job and that all of my bank accounts would be suspended for 10 years. She tried to get {$550.00} from me, saying that if I paid the money by XX/XX/XXXX, that I would not be served and that cash central would drop the lawsuit. Her phone number is ( XXXX ) XXXX and her fax number is ( XXXX ) XXXX.
In or about XX/XX/2016, I took advantage of a no interest promotional check through my XXXX Rewards Mastercard through Chase. To earn points, I make all of my purchases on this credit card and pay my purchase balance in full every month to avoid interest. I recently noticed that I was being charged interest and when I called to inquire as to why they stated that when I accepted the promotion, I forfeited my 30 day grace period on purchases. I accepted that this was an error on my part by not reading the terms and conditions and I wanted to promptly pay off any purchases on which I was being charged interest on daily. Being that the balance was over $ XXXX, I had to pull the payment from multiple accounts. When I went online to make those payments, I was able to process the first payment but not additional payments from additional accounts so I called customer service. When I spoke with an Account Supervisor named XXXX, he informed me that he could take multiple payments over the phone but the payments would not be applied to the purchases I was accruing daily interest on but rather the promotional balance because the purchases have not been through a cycle so the only way I could pay off purchases I 've made since my last statement would be to pay off my entire balance including the promotion. My other option is to wait until my cycle ends and be charged interest daily before I have the option of paying off my purchases.Since I 've never had a company that started charging interest on purchases the day that the purchases were made, I find it highly questionable that they are not allowing the option to pay those purchases off daily?
Since Ally Financial has taken over both my car loan and my husbands, we have had nothing but problems. When they took over for GMAC, I had no late fees on my account and then suddenlty with ALLY I continually have late fees. I have written them time and time again but to no avail. They now call all the time either for my husband and myself or just for my husband on my personal phone. I have sent them proof of payment any number of times but am continually harrassed with phone calls. They even attemped to have my car repossessed even though I had proof of payments. Now my husband has not received a statement from them since XXXX and now I am not receiving any statements for several months. Enough is enough. Almost every day I have to block their calls. 
Some agency needs to take a look at these poor financial practices by Ally. We never had problems with GMAC. I am sure that with all the late fees they tack on, my credit will be hurt. When I send them proof of payment, they never acknowledge anything.
So on XXXX XXXX 2016, I login in to my XXXX and this debt shows up stating I owed XXXX from XXXX. 1St of all I have never heard of this company. 2Nd I have never received anything about a debt from the original creditor or the 3rd party collection agency.
On XX/XX/18 I sent a dispute to the XXXX at XXXX XXXX XXXX Tx XXXX and Transunion at XXXX XXXX XXXX XXXX, PA XXXX. They received them XX/XX/18 and XX/XX/18 respectively via certified mail. I sent the letter in regards to the inaccurate reporting on my consumer report. Today 's date is XX/XX/18 and it has been over 60 days since they have received my dispute about the collection accounts on my report and according to FCRA they only have 30 days to respond to disputes and both have yet to do so. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. After I contacted them in XX/XX/XXXX it was then being reported as current but fell behind, even though I told them it wasn't me and I never made a payment. The account is XXXX/XXXX in the amount of {$990.00} and needs to be deleted immediately for not following FCRA rules and regulations in a timely manner. This debt has never been verified, I have not received in the mail and XXXX and TRANSUNION aren't responding to my correspondence and this has already jeopardized me getting on my home loan and now is not allowing me to obtain my XXXX and continue my education.
This account was disputed and removed in XXXX 2015 and reappeared on my credit report as of XXXX 2015. This account is well over XXXX years old and a new company is trying to collect on it and increased the amount owed by 50 %.
XXXX XXXX XXXXXXXX XXXX XXXX is my Commercial policy Insurance Company. On XX/XX/XXXX and XX/XX/XXXX I was rear ended and suffered severe debilitating injuries resulting in Loss Wages paid by XXXX XXXX XXXX XXXX XXXX of {$2000.00} per month from XX/XX/XXXX to XX/XX/XXXX. Along with Personal Injury Protection Medical payments made by them to all my Medical providers. This company has in essence penalized me for these Accidents and has raised my Commercial Policy premiums from {$2500.00} per year to {$5900.00} per year for my XXXX XXXX policy. This is clearly based upon my filing of Bankruptcy in XXXX XXXX of Bankruptcy case # XXXX. 
I have filed several complaints with the Hawaii State Insurance Commissioner 's Office and have not received any justifiable results to correct the Over charging or the Injustice of being placed on the Joint Underwriters program. I should not be on this program and it is due in part to my credit rating that needs to be corrected with all credit rating bureau 's in the United States. The Bankruptcy Trustee has returned my cases a few months ago. But, I am still subjected to the same hardships, or difficulty with the legal system to pursue these matters, and receive fair and adequate settlements for injuries. So, I can move forward with my Surgeries and once again pursue my Businesses and Life per se. WILL FAX THE BANKRUPTCY COURT FINAL DECREE
On XX/XX/17 while trying to put down a {$200.00} deposit for my daughters XXXX birthday I was told that my card was declined. I called XXXX XXXX only to be rudely told that all of my accounts with them had been closed and that I would have to wait for a letter in the mail to find out why. I have never missed a payment in fact I make multiple payments a month. I would like all of my XXXX accounts restored.
XX/XX/XXXX my debit card information was stolen and someone racked up about {$2000.00} worth of charges on MY CITIBANK checking account. when I went into the bank and explained my situation to the banker they told me they would investigate and my money would be refunded within 7 to 10 days. I went back to the bank weeks later and still no refund. I spoke with a representative from Citibank and she told me they sent me a letter in the mail that I never received that stated they were denying my claim and were n't going to refund my money to my account because it appears i racked up charges myself, she told me I needed to file a Police report and there 's nothing she can do. So I filed my Police report like she told me with an officer named XXXX, XXXX. in his report he states that he received survailance from one of the ATM 'S i had claimed to never been to before and found that somebody else was in fact at the ATM using my information. I went back to CITIBANK to submit the police report. the woman helping me told me that while they were investigating again the would send me " provisions ''. I never received any provisions. and on XX/XX/XXXX CITIBANK sent me XXXX letter in the mail stating they were deny my claim again. Im running out of options I hope your company can get me my hard earned much needed funds back. thank you
At the time of my purchase I was asked to give XXXX personal references in the event I was unavailable for a phone call. I was told that they would only leave name and a phone number. My finance company have been ask by me on XXXX different occasions not to disclose my personal information to my references. Today, XXXX XXXX, 2016 I was contacted by XXXX of my references stating Coastal Credit LLC, representative XXXX XXXX contact them disclosing that I was delinquent on my vehicle loan payment and my vehicle was subject to repossession.
Transunion is reporting on this account for over 15 years and says to be posted for another year and half way past the maximum statute.
Sent XXXX different notified letters all 30 days apart requesting verification that I was the owner of this account. I asked this company to provide me with a signature showing this was mine only to get a copy of the BIL and no verification signature. After XXXX attempts, XXXX different letters, more than 90 days between the XXXX to reply and verify NOTHING. No proof whatsoever that this was/is my account so I asked them to remove only to not get a response back.
This is our second complain against Wells Fargo ( 1st complain # XXXX ). We Recently received a resolution letter from Wells Fargo saying that they are unable to approve us for a modification as per investors guidelines. I called cfpb spoke to XXXX and he stated that a response was received and that I was approved for a modification ; when in fact is not true.
Integrated Services XXXX at XXXX XXXX demanding payment through a debit card XXXX only. When I attempted to give them my XXXX XXXX Pre Pay Card the refused to take it, and then only gave me 24 hours to call back with a new card number in which to collect the debt. I attempted to send them a money order through the mail to pay the debt and they refused to accept this payment arrangement as well. XXXX then go belligerent with me if I did not call back in 24 hours with the card information. She also has left me threatening messages of contacting my employer with a wage verification as well.
My primary residence was foreclosed on XX/XX/XXXX.  VA paid the debt and assumed the loan, that I had with Wells Fargo Bank N.A.  Wells Fargo sent me a 1XXXX form for XX/XX/XXXX taxes.  I should have also received a 1XXXX to cancel out the debt per the VA, due to the fact that they paid the whole loan off  plus some.  My original loan was for $XXXX and Wells Fargo is stating on the XXXX   form that I am liable for $XXXX.   Fair market value of the property is $XXXX.  The VA recommended me to contact me to let you know what is going on. I contact Wells Fargo on XX/XX/XXXX and spoke with the Escrow Department about the 1XXXX and the 1XXXX form.  The young lady stated," In 7 to 10 I may get a new XXXX   form without box 5 checked holding me liable for repayment of the debt or a XXXX form".  This is not the first time I have had a problem with Wells Fargo.  Earlier in XX/XX/XXXX the residence in question was supposed to sale go up for foreclosure and it did not because Wells Fargo forgot to publish the sale in all the local news papers.
XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX for XXXX. I made a down payment of XXXX on XX/XX/XXXX. The total cost included a {$790.00} Gap insurance policy through Ally. On XX/XX/XXXX, I mailed {$4500.00} ( money orders ) off to Ally so I wouldn't have to worry about it while I was finishing my certification. Unfortunately the car was totalled the same night. I called ally and let them know that the vehicle was totalled and not to apply the money I sent, she informed me that it hadn't been received yet. The money was received on XX/XX/XXXX, I called again to make sure everything was str8 but saw that they had applied the money and put it as paid up until XX/XX/XXXX! I called and the woman said that they would get it str8 once vehicles was totalled out. XX/XX/XXXX I went to XXXX and purchased another vehicle, the payments were about 100 higher but I didn't worry as much since Ally still had {$4500.00} of my money. XXXX totalled truck out and paid Ally {$23000.00} which they received on XX/XX/XXXX. We talked back n forth with me wanting payments applied to my truck. However in XXXX they were trying to repossess. I have paid a total of {$14000.00} to Ally ( not including the {$4500.00} or XXXX down payment ). I am behind now and they are talking about repossessing, however I am actually ahead. I was taking care of the situation last year but I was told that they were working on my account so I let it be. I have my money order receipts, account copy ( before it was deleted ), confirmation of sale with Gap Policy through ally, confirmation of mail received, and payment history.
This is a formal complaint against AMS SERVICING LLC now known as Seneca Mortgage Servicing LLC- Loan # XXXX they serviced the mortgage from XXXX XXXX to XXXX XXXX A tax lien was paid by XXXX on XXXX XXXX XXXX I spoke to XXXX today and they said it was paid off and we can ascertain that information from XXXX County Creditor the delinquent tax section . Seneca was definitely aware of the Tax Lien. 
Furthermore, after receiving a breakdown from Seneca- it is clear that I do not understand who they were paying our money to in the disbursements. That is not a way to do a breakdown and analysis of other people 's money. I am not sure who is responsible at this point for the willful failure to pay our School Tax for period ending XXXX or the second half of XXXX or the General Tax for the second-half of XXXX Everyone that we have encountered so far should be in prison for all I care. XXXX will deal with them accordingly, trust and believe. I just learned that XXXX XXXX got permission from one of these crooks to pay of the lien but we are doing our own investigation. We will file a formal complaint against them also as XXXX XXXX was under investigation by New York State Department of Financial Services Financial Frauds & Consumer Protection Division in XXXX XXXX. Please be advised that this is complaint is in conjunction with ( CFPB CASE # XXXX against XXXX XXXX XXXX ) & ( CFPB CASE # XXXX against XXXX ) AND NOW THE THIRD COMPLAINT against Seneca.
They call me every single day begining at XXXX XXXX all the way until after XXXX XXXX i receive about 6 calls a day for almost 2 months now. i have already told them to stop callimg me because my phone number they are calling to belongs to my XXXX year old son. So instead they will put a vocie machine to talk for me to contact them.
This company named Cooper, hoffman, klein and associates, has hounded me by telephone, at my home, work and my mother in law. They have used foul language at my place of work when asked to not contact me any further, they used the XXXX word to our receptionist at work, That persons name was XXXX, then I spoke to her I repeatedly asked her to not call me, I do n't know what she was speaking about in regards to owing something, I told her to send it to me by US mail, she told she did n't have to do that and that I was to pay up right then. They continue to call under many different numbers with automated messages, after they have been asked to stop many times. 
They have done every communication attempt in total disrespect! 
Frequent or repeated calls, Threatened to take legal action, general herrassment!
Two months ago I got behind on my mortgage because of an account the charge on my bank account with out permission and caused a domino effect with checking account payments. I paid my mortgage to ditech and make arrangements to pay and additional amount to catch up. Despite that I received letter several time a week calls and a man knocked on my door and left a Mortgage Due letter on my door. I spoke to a representative who took my complaint about the harassing way I was being treated and she apologized. Because of caring for an elderly parent out of town, I did not make it home in time to pay my XXXX mortgage. I 've attempted to call Ditech multiple time to to make the payment because they will not allow you to pay online unless you pay the full amount. I 've had no call back by XXXX XXXX who received all mu calls on voice mail. Online my bill reflect XXXX unapplied amount in addition to XXXX late fee and XXXX mortgage that I have been trying to pay. What is XXXX unapplied I 'm not going to pay so unapplied amount I am not owing. No one answers XXXX it goes to a voice mail for XXXX XXXX XXXX and he never returns the call. I have been humiliated not being one full payment behind. My payments are XXXX I agree XXXX is due per the letter they send. But if I ca n't pay online unless I speak with someone. The automated line will not accept less then the due. That amount is not right. Charges that are applied as unapplied can not be legal. Please help XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC. XXXX
I have taken out payday loans with Cashnetusa.com with no problems. However, I decided to take out an installment loan for {$2600.00} because of dental work I am having done. Most installment loans take out a payment once a month around {$200.00}. However, Cashnetusa.com is taking out XXXX every two weeks for 38 payments which equals {$7800.00}. This is over triple times the amount of the loan I took out. I live in California and looked up the laws before deciding to contact you. I take my debt seriously but Cashnetusa needs to amend my loan immediately