WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX of my student loans are in delinquency. I paid $ XXXX towards them last week to pay the outstanding balance to bring them current. I called Navient today, and they told me that they will remain delinquent until I pay them in full, which is over $ 100k. I am unable to purchase a home because of these delinquent student loans. I was under the impression that by bringing them current, they would bounce back to a current status where I can pay them monthly just as I do on my other loans. They told me that I can pay them monthly but it will not bring them current. This seems very unfair that I must pay my student loans in full in order to bring them current. The past due amount on them was paid in full. Why can I not keep paying on them every month to keep them current just as the other loans? This has put a complete stop to my life, as my credit is suffering and due to these private loans ( not my credit score specifically ) I am unable to buy a home because the mortgage companies see me as a risk with delinquencies with a federal agency. Technically, with paying the past due amount of $ XXXX, I am not delinquent on these loans any longer. I find this to be very unfair and am looking for some guidance on how to resolve this.
I applied for a XXXX XXXX Credit card which is handled by Bank of America.I have excellent credit ( scoreXXXX ) and pay all my credit cards at end of month. Bank of America said the decision as based on an assessment of your application, current economic trends and a copy of your credit report.. I am applying to XXXX XXXX and Bank of America is not making any money off of me so is not approving of the card. In XXXX letter they say not due to credit report.I used to bank at Bank of America and found them to charge for every little thing so I closed the accounts I feel this is main reason for being turned down.
on XX/XX/2018 an unknown person used my identity in the XXXX TN Best buy store to look up and purchase two large ticket items.

The clerk looked up my account information and sold the two large ticket items to the person. 

Best buy in my opinion did not do enough to protect my identity and verify the purchase.
I called experian after noticing that XXXX XXXX placed a chapter XXXX comment on my credit report.Since I have never filed a chapter XXXX I requested experian to remove this incorrect information. They refused.I need this company who I do n't really know to tell me who or where they got this information from then remove it from my credit report
Over a year ago, I had misplaced a credit card ( issued by Continental Finance ). I knew it was in my house somewhere and had not been stolen, but I could not find it. I called Continental Finance to replace the card, explaining there was no fraud, I just needed a new card. They said they would send one in the mail. It never came. I made no less that 5 calls to Continental Finance with the same request. Each time, I was told my card would be sent to me. I never received the card. Each time I called, I was told that there was some kind of security alert on my card, that was causing them to not send my card. I eventually gave up and paid off my card in order to close it. Once I paid the card off, I called to close the account. They apologzed for the previous problems, and told me they closed the account. This happened in the beginning of XXXX. XXXX XXXX I was billed for the {$18.00} account maintenence fee. I called to complain. They never could give me a straight answer, as to why my account was not closed. They have said they have closed my account again and refunded my charge, but I can not take them at their word, because each time I have called, they have claimed to resolve my issues, and have failed to do so each time.
This account is paid in full and verified by XXXX as paid in full on XXXX XXXX, 2016 ; however, the creditor a month later reported inaccurate, bogus balance information and late payments on my XXXX credit report. I disputed, again, with XXXX a month ago, and just today, XXXX XXXX, 2016, XXXX deleted the bogus item from my credit report, but Argon Credit reported this bogus item to XXXX, today, in retaliation.
XXXX charges that caused overdrafts. To the tune of {$480.00}. The initial XXXX was {$26.00}. No correspondence regarding insufficient funds and/or fees. Next thing you know, PNC steals the {$480.00} from my daughters account while she was overseas. No correspondence. No email, letter, or phone call. My daughter returned to the USA to discover the missing funds. She reported it stolen to the bank. After much research, we found out the bank helped themselves to my daughters money to cover the ridiculous fees my son had been lumped with. Funny, they could n't take {$26.00} out to rectify the situation. 2 months of going into the bank, calling the bank, and waiting I was told that what they do was ok in their book. I think it 's illegal and theft. Worst bank ever
SunTrust Mortgage held the mortgage on my home until XXXX XXXX. An escrow account was established at closing to pay taxes and insurance. SunTrust made a partial payment on the insurance in XX/XX/XXXX, even though there were funds in the account to cover all charges. The insurance was canceled due to lack of full payment. SunTrust then sold the loan to XXXX XXXX XX/XX/XXXX due to lack of insurance. I made several calls and wrote letters to them there was never no written response. .An attorney contact them in XX/XX/XXXX on my behalf still no response.I spoke with them however, they stated they have no information on my file since it was sold. The lender placed insurance cost is $ XXXX yearly and only covers the structure. I have a 30 year fixed mortgage however the escrow has increased to over {$500.00} per month .We could loose our home due to their error. My payments have gone from {$1900.00} to $ XXXX.Desired resolution I want SunTrust to compensate me for the harm they have caused my family, I would like to be included in a class action suite against them since I got my loan XX/XX/XXXX and the interest rate is 5.8 %. My husband and I are XXXX and both had scores above XXXX when the loan was secured. I can be reached at XXXX XXXX XXXX XXXX XXXX Ga XXXX, XXXX XXXX owner.
I have no idea how much I owe on a vehicle that I purchased in XX/XX/XXXX because Santander has never sent me what I would be exactly paying on my car with finance charges. I purchase the vehicle on XX/XX/XXXX for {$16000.00} before interest which is supposedly 16.95 % but I never signed anything to that effect. I can't get the company to send me a statement or allow me to access it online. I have requested a password to go online but site is still not accepting it. I have requested a breakdown of the balance due and was told my interest calculates daily so they have no way of giving me a statement of my balance. I have been paying Santander Consumer USA on this vehicle since XX/XX/XXXX payments of {$350.00} and yes due to medical, personal and job loss problems the payments where not made on time. When I went back to work in XX/XX/XXXX the balance was {$10000.00} and I started making large payments to date I have paid {$4800.00} but yet the payoff balance as of today XX/XX/XXXX is {$6100.00} up {$17.00} from XX/XX/XXXX when the payoff amount was {$6100.00}. I don't understand how I can possibly still owe {$6100.00} on a vehicle that I have been paying on for 6 years. I made a payment of {$950.00} on XX/XX/XXXX and the  payoff amount was {$7400.00} and when I made a payment of {$600.00} on XX/XX/XXXX the payoff amount was {$7500.00} up {$120.00} in a month. At this rate I will never pay this vehicle off because my payment is not decreasing it is steady increasing day by day. I will continue to make large payments to try and have this account paid by XX/XX/XXXX, not by XX/XX/XXXX like they are saying.
This federal tax lien was paid and WITHDRAWN through the XXXX and should have been removed from my credit report. I uploaded the form from the XXXX to Equifax and disputed it XXXX, but they say they keep verifying with the XXXX County tax recorder office. I 'm attaching the form from the XXXX verifying the lien was paid and approved for withdrawal.
I recently checked my credit report for the first time in a while and i notice items on my credit report that i didn't agree to. I would like these items removed immediately. They are not mine. XXXX  XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX/XXXX XXXX XXXX XXXX XXXX. I am doing this own my own behalf and have contacted my police and the FTC.
I have been careful in ensuring that I do not incur Bank of America 's overdraft fees, even with my recent charges below {$25.00}, I immediately transferred fund to make sure I do not get hit with overdraft fees. Lo and behold, I get XXXX XXXX overdraft fees the next day because some charges hit my account right before I get a deposit. I see my bank account statement, and I do not see where my account went below XXXX. I called the bank, and told me to follow the Account History Balance, not the statement, the account history balance is in another screen that a regular consumer would not know about. It 's on a hidden link which gives consumers false balance with the statement that is currently on the screen. I have relied on that statement, and now I 'm being told to follow another screen in order for me to avoid getting overdraft fees. I was supposed to have XXXX for the week, good for groceries, and gas. Now I 'm left behind XXXX for the week! I have requested for a reverse on the overdraft and Bank of America will not give me the credit back. I have my statement to prove that I never went below XXXX. They took my money for no reason!
Dear Sir/Madam, I am writing to complain you of actions by my bank. I purchased a car which I financed through Santander Consumer USA of Texas. On XXXX XXXX 2016 my car was damaged. XXXX ( insurance company ) sent to Santander Consumer USA Total Loss pay off check, which amount is {$13.00} XXXX. Santander Consumer USA received the check on XXXX XXXX 2016 that is confirmed by the account information. From that moment began to occur incomprehensible actions. 
On XXXX XXXX 2016 was posted information that only {$340.00} was paid instead full amount ( {$13.00} XXXX ). Then the amounts of {$680.00} and {$3.00} XXXX were posted on XXXX XXXX 2016. The balance was changed to {$10.00} XXXX. On XXXX XXXX 2016 also the amount of {$340.00} was posted. Even after spending several wasted hours trying to found out what happened, I did not get a clear answer. Different representatives told different untrue information. 
On XXXX XXXX 2016 I got the information that there was an error in my account and Santander Consumer USA will correct this error up to XXXX/XXXX/2016. Also, my auto loan will be ended. But nothing happened. They continued to place unclear data instead of correcting the error and close the loan. I was surprised I still have to make monthly payment on XXXX XXXX 2016. The balance was changed from {$10.00} XXXX to {$13.00} XXXX. I was upset to see the terrible data. They put me and my wife in a stressful situation. 
My attorney called them to ask what do I have to do. The supervisor told that Santander Consumer USA has all documentation from XXXX and I do not need to make monthly payment. But the data has not been updated yet, I still have to make a payment. I am afraid to get a bad credit score. I have read a ton of stories like mine. Probably, they want to get more money that they can get. 
Please, help me to resolve the situation. 
Thank you!
I applied for a payday loan with XXXX on XXXX/XXXX/XXXX. I received an email stating the loan was finalized. I never received the funds so I called the company. They said the loan was denied and I would receive an email detailing the reason for the denial. I did receive the email and the reason for the denial was that I had another outstanding loan. I then called XXXX XXXX and was told that I have an outstanding loan with XXXX, even though the loan was never approved. No one at XXXX seems to be able to resolve this issue and no one has been able to assist me with having this information removed.
Ditech collected an additional month of PMI insurance after my loan was paid off. 
Statements show : PMI Disbursement for XXXX, XXXX 2016. Payoff amount included XXXX and XXXX 2016. The loan was paid off XXXX XXXX, 2016. Escrow disbursement after payoff did not include the additional PMI they collected. 
I called Ditech twice regarding this issue, they hung up on me once and the second time told me to request an account review in writing or they would n't address their mistake.
Re : Account # XXXX payment history reported to all three major credit reporting agencies, which is encircled on the attached copy of XXXX   report. 
Based on my records, the 180-days past due occurrences reported as of XX/XX/XXXX through XX/XX/XXXX are inaccurate. These payments were suspended at Pennymacs recommendation during the process of setting up a trial loan modification and extension, as I was advised the payments must be delinquent and the loan in Default in order to qualify for the program and any missed payments would be added to the end of the loan. Pennymac then repeatedly lost the modification application paperwork submitted by us, requesting us to resubmit everything multiple times. We now know these activities were in direct violation of the Dodd-Frank Wall Street Reform and Consumer Protection Act. Once regular payments for this modified loan commenced in XX/XX/XXXX, I established a very strong record of punctuality through all 16 months of payments since. Payment s during the setup of the modification program should not be reported as past due, as they really were not even due. Furthermore, this loan was not opened with Pennymac in XX/XX/XXXX as reported to the agencies, but in fact did not start inprocessing until XX/XX/XXXX. Any payments after that date were held up at Pennymacs behest and were through no fault of my own ; therefore, these past due payment items reported to all three major credit reporting agencies must be removed immediately. Also, I have repeatedly disputed and requested verification and validation of this inaccurate debt for over two years now. Pennymac has responded only with improper verification form letters that provide no backup documentation or proof of this debt being mine, and require more information of me instead ( examples attached ). To  properly validate a debt by law, a copy of the original contract signed by and obligating me to the debt must be provided to myself. Pennymac has negligently and willfully failed to validate this debt, and is in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o,  subject to a {$1000.00} fine for each instance.
I HAVE BEEN RECEIVING CALLS FOR THE LAST  3-4  YEARS ABOUT THIS DEBT. EACH TIME I ASK TO BE SENT PROOF THAT I OWE THIS DEBT AND I NEVER RECEIVE IT, THEY JUST KEEP MOVING IT TO DIFFERENT COLLECTION AGENCIES AND THEN THE CALL START OVER.ITS BEEN MANY YEARS AND STILL NO PROOF EXIST THAT I OWE THIS DEBT.
My problem is with the private student loan servicing company, Navient. My original loan was with XXXX XXXX until this company took over. I have a XXXX claim pending and have not worked since XXXX 2013. I have tried to get this company to either give me some kind of temporary forbearance or lower my payment or interest. Time and time again they have refused to do anything and some of the representatives ( particularly the last one ) have been extremely rude and unreasonable. I explained to them that I have other Federal students loans and they have been working with me on my situation, but that did n't phase them at all. I did not know what I was getting into when I took out this private loan until it was too late. My husband is having a hard time helping me with this loan because he gets paid on a commission basis and his paychecks can be skimpy at best. Companies like Navient need to learn to work with people just as the Federal system does!
My car payment was due XX/XX/XXXX, I 'm a little behind right now nothing major, three weeks, some unexpected issues came up.., but they started calling me XX/XX/XXXX ... They call everyday, all day long. Ive asked them repeadily to STOP calling my job, but they keep doing it ... And it 's at least three times a day ... The late payment is n't even considered a problem for my credit until XX/XX/XXXX!! Today it 's XX/XX/XXXX!!! 
I just want them to stop harassing me.
I have had continuing issues with my loan servicer researching a payment I made that was never credited to my account. The first request was made on XXXX XXXX, 2016. I sent a request using their online form ( their preferred method of contact ). I detailed every payment that I had made, along with all of the details I had available to me and requested they research and let me know which payment ( XXXX ) were not applied to my account. The response was a generic informational message noting that my payment was made on XXXX XXXX, 2016 and my next payment was not due until XXXX XXXX, 2016. I replied informing them that that response did not address my issue in the slightest and that I would like a supervisor to call me. I never received a call or a reply to that response. 

I contacted them again on XXXX XXXX, 2016 under a new request. I asked for a supervisor to contact me and notified them that the payments that had been posted to my account were not applied anywhere near the dates the bank honored the payments, which would cause me to incur additional interest on the loan. The response was, again, that my payment was made on XXXX XXXX, 2016 and my next payment was not due until XXXX XXXX, 2016. 

I then contacted Benchmark by phone on XXXX XXXX, 2016. The result of that call was that I was to fax proof of payment from my bank to them in order for them to research the payments. I faxed the information I had on XXXX XXXX, then faxed additional information I had obtained from my bank on XXXX XXXX. On XXXX XXXX, 2016, I received an email from the research department saying they had not cashed one of the checks that I had provided proof of payment for. This check was mailed to their parent company at the same payment acceptance address as their company. I contacted my bank and they confirmed that the check was paid to the payee. I responded to the email with this information on XXXX XXXX and I have not received any reply.
Chase prepaid cards The owner o two prepaid Chase c redit cards passed away in  XXXX   XXXX .   The trustee of the estate ( me ) received two letters mailed to the card owner, dated  XXXX   XXXX ,  XXXX  and received  XXXX   XXXX ,  XXXX  stating that the balance on the cards would be transferred to the state of California as " abandoned '' if there was no response prior to  XXXX   XXXX ,  XXXX .     I contacted Chase by phone on  XXXX   XXXX ,  XXXX , on  XXXX   XXXX ,  XXXX  and again on  XXXX   XXXX ,  XXXX . I was advised I had to fax several legal documents to a specific phone number, and to expect response within  16 busin ess hours. Documents were faxed on  XXXX   XXXX ,  XXXX , again on  XXXX   XXXX ,  XXXX  and then twice on  XXXX   XXXX ,  XXXX . Followup emails were sent on  XXXX   XXXX ,  XXXX  and  XXXX   XXXX ,  XXXX .     There has been no response.     Each of the  four phone calls took over two hours and involved numerous transfers and conversations with six or more individuals. At times I was provided with false information ( a c allback number which did not provide option to speak to a person and an employee identification number that did not exist ).     I have been advised that the only way to contact the appropriate department is by fax, mail, or email. On  XXXX   XXXX , I was told that no faxes have been received, even though I have sent   three times to the phone number provided by customer service. It would be irresponsible social security numbers and other sensitive information via non-secure email. And I was advised on the first phone call that the mail method was not reliable, and might take too long for this situation.
I have now spent over eight hours on the phone and spoken to 26 or 25 different people, and I am still being told all I can do is send the required documents again and wait. I have been   told there is nobody I can speak to who can find out how to resolve the situation.     As yet, I still have not received responses to faxes or emails, and it seems lik  e Chase is doing their best to make it impossible to retrieve the prepaid funds from these cards. Chase is providing no alternative other than to repeat the same steps that have failed to work three times, and customer service representatives say there is nothing more that can be done.
This money does not belong to Chase - these were prepaid cards! It is shameful that they make it impossible to retrieve funds that they have not right to withhold.       Please assist in resolving this issue. Thank you sincerely.
I have an HSA account with HSA Bank. On XXXX/XXXX/16, I submitted paperwork to close the account and transfer the balance to my new HSA account. I have an email from the person I sent the paperwork to confirming that they received it and forwarded it on to their operations for account closure on XXXX/XXXX/16. On XXXX/XXXX/16, I logged on to the account to see if the transfer was completed. I noticed I was charged a {$2.00} service fee for the cash portion of the account on XXXX/XXXX/16 I ( which seems acceptable considering the paperwork was just submitted that day ). However, I noticed I was also charged a {$2.00} fee on XXXX/XXXX/16 for the investment portion of the account ( which was never actually opened or invested when XXXX HSA transferred to HSA bank ). This charge came11 days after the account closure form was submitted and received by their operations. I understand if the transfer was not completed, but there should have been a control to turn off fees by this point. After seeing this fee, I called HSA bank on XXXX/XXXX/16, to see if something was wrong with the paper work. They told me they were behind and it should be closed soon. On XXXX/XXXX/16 I received an email from HSA bank asking that I contact HSA bank. I called that day and was told I had to provide verbal approval to close the account, which I did that day. I do n't understand why I had to provide verbal approval after clearly trying to close my account twice already. I logged on to my account XXXX/XXXX/16 to see if the account had been closed. It is still open and I noticed that I was charged another {$2.00} fee for the cash portion of the fee and I know that any day I would have been charged another {$2.00} fee for the investment portion. I called XXXX/XXXX/16 and asked why I am being charged fees 33 days after submitting account closure paperwork and why my account is still open 42 days after submitting account closure paperwork. They told me they are about 2 months behind on account closures. This means they are making {$2.00} to {$5.00} a month from who knows how many people that have attempted to close their accounts. This is n't even mentioning the fact that I have lost potential investment gains on the close to {$8000.00} that would be invested at my new HSA account if the money were transferred in a reasonable amount of time. They said they would make a note to stop charging me fees, but we will see what happens and how much longer I have to wait to get my money.