WillisBack/dataset-financial-user-claim huggingface dataset:
Please consider a review of the Federal Student Loan program, and the conduct of Federal Loan servicers. 
Item : 1. Overpayments being used to offset future payments. 

As a student loan borrower, if you make an additional payment, or pay over the monthly amount, servicers are applying the overpayment against future month 's payment. 
This is incorrect. 
The payment amount is based on the amount of time that has been agreed to in paying off an loaned amount - any increases in payment or payment speed should shorten the principal amount owed - and thereby the amount of time required to pay. 

What these Student Loan servicers ( Granite State Management & Resources in my experience ) are doing is maintaining the original amount of interest due by not reducing the principal with amounts over the payment amount or payments that occur earlier than the agreed-to payment dates. 

They should not be allowed to receive any more amounts in interest than what is equivalent to the interest rate times the amount of funds x time borrowed. 
They should not be allowed to " tack time on '' to increase the total interest payment amount, or maintain an artificially-higher level of payment distribution towards interest than towards principal. 
The requirement to a separate payment ( by mail, phone, etc. ) in order to get additional payment amounts to apply towards principal is in no way designed to assist the borrower. 

This is equivalent to a pre-payment penalty, and should not be allowed to be applied towards federal student loans just as prepayment penalties are no longer allowed to be applied towards private bank credit cards or any other private loan. 
This is ESPECIALLY predatory, since the loan can not be discharged in bankruptcy and certainly should not be allowed with Federally-guaranteed loans. 
Thank you for your consideration, and your service.
XXXX XXXX, based in XXXX XXXX, MO, does not correctly follow reg E when cardholders contact them regarding unauthorized transactions on their account. The advisers in their fraud department regularly deny cardholders the opportunity to open a fraud case for charges they didn't attempt. There are many excuses and justifications that the call center advisers give as to why they won't start a fraud case, but ultimately they are not correctly following reg E. The advisers know what they're doing isn't allowed, but they do it anyway.
l bought my home insurance and the bank lender of my mortgage was still charging me insurance escrow. So l requested deletion of this escrow and they denied my request. So I they pay on my policy with XXXX 's like they are suppose to since they had been collecting escrow and again they did not. Since l had instructed the insurance company to submit the bill to my lender for continuous on the policy, and when my lender failed to pay the bill accordingly like they were suppose to in a timely manner, l was again notified by XXXX 's XXXX to pay l did. Unfortunately, it was too late thirty days had passed and my money was returned and my policy was cancelled. Faced with this sudden dilemma, l went out and bought another policy which ended up costing me more money. After obtaining this policy l forwarded a copy to my lender BoA. To my surprise a couple of weeks later BoA notify me that l should provide them with insurance for the period of time during which my previous insurance company had been trying to receive payment from them. Since they were make a big deal out of the unfortunate situation they created, l when out and try to buy a policy for that period nonetheless. However, l was told by my insurance company that the new policy can not go back beyond 30 days. This same policy was stated by a few other companies l contacted. Somehow without proof of insurance during this period, BoA send me a letter charging me triple insurance escrow on a insurance policy which they claim the had purchased for the period that my insurance was cancelled five months later. This i was told by BoA after l had been told by insurance companies that they can not retroactively sell me a policy. Someway BoA was able to accomplished that easily but which l find strange especially since they had such a hard time processing my request and could not pay my insurance with my own money they collecting hence having my insurance policy which fairly cheap cancelled. This l think is not appropriate and a manipulation by BoA to charge me undue after intentionally or otherwise costing more money buying the new policy.
I was evicted in XX/XX/2015. A judgment was entered, and I owed {$2200.00}. They said I had to pay an amount of {$230.00} a month if I wanted to keep this off my credit. The payments were due each XXXX  of the month. I paid on time the best I could. When not able to, they worked with me. They accepted a lesser amount, but I had to make up for it the following month. The last payment was made in XX/XX/XXXX. I ran a credit report shortly after this to start working on other issues, only to find that it was reported in XX/XX/XXXXBEFORE the payment was even due. I feel this is completely unfair. I contacted the company several times, and they said they could not send me a deletion letter so I could have all 3 credit bureaus remove it, but they sent me a paid in full letter. That letter was in my purse when it got stolen out of my car, so I dont have that anymore, but I do have proof it was paid off. The company did contact the credit bureaus, and transunion and experian took it off right away, as it was unfairly reported. XXXX, however, to this day, refuses to remove it. They claim theyve contacted the company and gotten confirmation that its accurate. This company claims they told equifax to remove it. Neither one will do anything to actually remove it, and its preventing me from getting an apartment for me and my children. This has affected my credit for a year and a half longer than it should have. It never should have been reported because I did my part to keep it off of my report.
I received a letter dated XX/XX/XXXX regarding a refund I was suppose to receive from GM financial in the amount of {$3500.00} dollars. I have called multiple times and was told the check has been mailed by multiple employees on XX/XX/XXXX, but I recently called XX/XX/XXXX to find that the check hasnt even been printed. I have requested this refund be processed and overnighted but the employees are refusing to send my refund over night telling me i will receive it by XX/XX/XXXX i called XX/XX/XXXX and the check still hasnt been mailed so there is no way I will receive it by XX/XX/XXXX. So at this point they are holding my refund for no reason and it looks the refund will never be mailed. The same story they keep telling me is the accounting department is back up but i do not believe it should have taken this long nor do I believe its been processed because they have lied to me multiple times.
the incorrect information on my credit report was not mine it was identity theft as a join account my husband and I. we had previously to the law enforcement. please review the report and correct all negative information they not mine. okay thank you.
Experian credit prepared report dated XX/XX/2015 have us filing Chapter XXXX Bankruptcy on XX/XX/2015 and that grievous error was made. We have NEVER filed for bankruptcy on XX/XX/2015.We have had our credit denied several times because of this report from XXXX XXXX .
In XX/XX/XXXX I lost my job, collected unemployment, applied for Save the XXXX Ohio, In XX/XX/XXXX. My application for assistance was approved by SDO. XXXX Nationstar states they did not receive any files from Ohio for my assistance. Save the Dream states they sent file to Nationstar and did not receive anything back. I have until XX/XX/XXXX to file an appeal with SDO, Save the Dream told me to submit appeal when Nationstar approves my file. Nationstar states they are waiting on Save the Dream. I need HELP
I filed a Bankruptcy in XXXX of 2011 which did not go through and was closed with out discharge by the BK court which makes not an official BK. I have disputed this with XXXX over the years to have it removed on several occasions to no avail and I am not happy. It is my understanding that XXXX searches for public records with out investigation and does not care to see if the BK is legitimate or not. I was told this by the BK court. Credit Bureaus should not be allowed to do this kind of unfair, predatory and hurtful practice on consumers and they should be punished. It has been on my report for seven years something that was just filled closed with out discharge and never official. The rules need to be changed on how you the credit bureau collect a serious public record information like this. If a BK is official and goes through the courts and is approved sure it is legitimate put it on the report. If it never goes through and gets discharged or dismissed you the credit bureau should have it as a public record on that persons report therefor hurting the consumer by reporting something that was never made official and was only a filed document. I am going to request again to please have my BK removed immediately. If it is not removed I will take further action and go as high as I need to go with the Federal Government to get this removed and make sure you the credit bureau don't hurt the consumer with this unfair and predatory practice again.
This claim is related to claim XXXX. I submitted a XXXX insurance check in the amount of {$44000.00} on XXXX/XXXX/15 related to my original claim.! XXXX of that was to be released to me immediately which as of XXXX/XXXX/15 has not happened. That was the subject of my original complaint. Now, my home has passed the 50 % inspection and Chase was to release the next XXXX of the original claim ( which they have done XXXX plus XXXX of the {$44000.00} which has not been done. I need this money to order materials and make necessary payments to the contractor so that I can move back into my house. I am incurring significant additional living expenses because of the delay in these payments of my money. I have complied with all of Chase 's documentation requests and they have done nothing to resolve the situation since they received the original complaint at the beginning of XXXX. I do n't no where else to turn to get my money and fix my home.
Their representative keep contacting me at work and when I requested for a proof of debt they insisted they will send it but have n't. 

Additionally, when I told them I paid it off with XXXX they insisted I should go online and pay. They never provided me with a log in to their website or how I should access their website. This is n't a trust worthy collector and seems shady. 

XXXX keep saying they 've sent to a third party.
A statement admitting whether AMERICAN EXPRESS is the holder in due course or whether AMERICAN EXPRESS is a servicer. A statement admitting whether AMERICAN EXPRESS sold my note in a pooling or servicing agreement. This is also known as securitization..
-On   XXXX   XXXX  , 2017 I paid all of my accounts with USAA in full.
-On XX/XX/XXXX  I confirmed that all of my accounts were paid off in full and found I still owed  XXXX  on my account -On  XX/XX/XXXX  I sent in a payment of {$27.00} in order to pay off my Master Card account in full. I confirmed with USAA that the account was paid off in full.
-On  XX/XX/XXXX  USAA assigned a charge to a  XXXX  for   XXXX  . I called them and asked them to remove it as the card had been paid in full. Over the course of the next week I talked to multiple managers at USAA and they refused to remove it. I specifically requested they examine all my accounts with USAA to ensure I was paid in full. I told them I would write a complaint to the CFPB in regard to this.
-On  XX/XX/XXXX  USAA called to tell me they were going to waive the  XXXX . They had already done so as of   XXXX   XXXX  , 2017.
- On XX/XX/XXXX  USAA assigned a charge of {$1.00} to the Master Card I had paid off in full on XX/XX/XXXX .
This is clearly a retaliation for submitting a CFPB complaint and an attempt to get money from me for the {$8.00} they " waived '' from the other account. I have asked them to ensure all of my accounts are closed and completed prior to  XX/XX/XXXX , and they told me they were. I have paid them in full and they just keep assigning charges to me on an account that they can then assign a late fee to if it is not paid and use that account to destroy my credit rating. They have implied as much in conversations threatening to send these charges to collections.
I disputed several incorrect and inaccurately reported items on my credit report by sending this credit repository a letter last XXXX XXXX, XXXXOne of the disputed items is Bankruptcy : XXXX XXXX ref # XXXXwhich according to the court has been dismissed last XXXX XXXX. This proves that no investigation was done by this company and that their records are outdated. The other items I disputed are listed in the attached files. These are copies of the letters I sent them last XXXX XXXX, XXXX and the letter I am sending them today. Inaccurate and incorrect information such as account opened date, payment history, highest balance, status, closed date etc. are still reporting and violation FCRA, FDCPA and the bankruptcy law.
Signed up for US Bank Altitude reward card on XX/XX/XXXX, with the primary reason being their 3X reward points on digital wallet purchases. I bought a XXXX Smartphone to be able to take advantage of this feature of the card. As soon as I received the card, I began using the card for all my purchases, from travel, to groceries, to everyday miscellaneous spending. On XX/XX/XXXX, I tried to use my card at a grocery store like I had several times before. It did n't work. I was n't sure if it was the digital wallet feature ( XXXX XXXX ) or the card itself. I called US Bank and they told me they could n't tell me what the problem was, but I was given a name and number in the investigations department. I called the phone number the next day ( XX/XX/XXXX ) and left a message. I got in touch with a representative the next day ( XX/XX/XXXX ) and was told that my card was closed because I had violated the card agreement by purchasing gift cards. I had done so on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I buy one gift card for my wife each week for her purchasing as a tool for budgeting. I have done this with other credit cards for years and never had a problem. While it would be inconvenient, I would have no problem not doing this on the US Bank card ( even though it is normal spend on my card ), but that my card was closed with no warning seems to violate any customer service standards or card agreements.
Additionally, upon account closure, I lost any access to rewards points that I had accrued.
I contacted TransUnion in 2014 regarding a student loan reports of 90-days late - although it says US Dept of Education/Direct Loan Service System on XXXX late reports, the DOE stated that it was not from them, rather another entity ( some prior loan servicer XXXX, out of NY state ), that they no longer use. Presently and when reported, XXXX/XXXX was/is handling my loan servicing. I asked them for help and they were not able to provide any further assistance either. 
The credit bureaus will NOT remove, even though there is no evidence regarding this report or incident. I was never served with any notes about late payments either ( which I never had, as my loans were under forbearance or in-school deferment, per the DOEs policies. ) Also, these loans are marked as closed, which they are n't and were n't. I never had my loans serviced by this entity either. Again, there are XXXX ( XXXX ) reports that are inaccurate. 
XXXX had this same dispute with them, and have removed it - confirmation is attached.
First contacted them on XX/XX/18. Last contact was XX/XX/XXXX. 


1. There is no balance history anywhere that I have access to ( desktop browser ). There is only transaction history and current balance. This is extremely shady and allows all the XXXX  that follows. 
2. I'm watching my balance as I'm selling things on XXXX  because I'm going to pay for something close to {$300.00}. When I'm almost there my current balance drops about {$70.00} without there being any new transactions. This occurred during the middle of XX/XX/2018. 
3. Paypal notifies me by email that an XXXX  buyer made a fraudulent chargeback with his credit card. The item was sold for {$23.00}, and paypal says there's a chargeback fee of {$20.00}. Nothing close to {$70.00}. And neither of those items showed on the activity page. 
4. I contact Paypal support via the site 's message center. They tell me to call. I call and they tell me they'll pass it on to someone who will look into it and email me. 

The {$20.00} chargeback fee gets refunded, again without any record/new activity listed. My balance simply changes again. 

5. I never get an email. So I send another message. They refer me to the merchant support site. I contact that support site and they ignore the problem of the missing money and tell me I need to upgrade to a business account to be able to see my balance history, and tell me to call support. I call support again and they tell me I need to put in my social security number in order to view my balance history. That seems VERY sketchy so I do a XXXX search and see warnings about that. I put it in temporarily and it has no impact. You can't remove it, so I change it. I call support again and tell them that adding my social did nothing. The person is totally incompetent, makes nonsensical & contradictory statements, has no access to anything. Either speaks terrible english and doesn't comprehend anything, or is using that as a farcical excuse to not help me. I ask to speak to someone else, they put me on hold for 40 minutes then disconnect me. 

Looking at the information they referred me to while on the phone with support, they retroactively changed my balance so that it was never close to {$300.00}. 

I gave Paypal proof of delivery and they disputed the chargeback with the fraudster 's bank on my behalf, but they said the bank sided with the fraudster. This person is regularly doing this to multiple sellers and Paypal refuses to do anything. I called the police to report the chargeback fraudster and they said my only option is a civil suit.
On XXXX XXXX, 2015, my wife and I traveled to XXXX XXXX NV to celebrate our XXXX wedding anniversary. I used my Sam 's Club XXXX XXXX # XXXX XXXX on the XXXX to purchase dinner ( {$60.00} ) and, at the airport for XXXX shuttle bus transfers ( {$40.00} ). On the XXXX I used the same card at breakfast in the XXXX XXXX ( {$10.00} ). Later that morning my wife and I went to a vendor to purchase show tickets. After waiting in line for XXXX minutes, I presented my Sam 's Club card for payment it the transaction was denied. My wife stepped up and presented her Sam 's Club XXXX card for payment and her card was also rejected. We were now forced to call the bank, put on hold for XXXX minutes, only to find that there was some " unusual '' active in my account??? The rep then reads me all of my charges asking if that was a valid transaction. I reply " yes '' to all of them and my account was reactivated.I my opinion this bank is not to be trusted. I do n't believe anything they say .My XXXX transaction is XXXX XXXX is rejected? I ask where is the " unusual '' activity? Buying show tickets in XXXX XXXX? The simplest software would show XXXX XXXX XXXX XXXX traveling to XXXX XXXX. She bought drinks on the flight. I buy shuttle passe and dinner in a large Hotel. It looks to me like the XXXX are in XXXX. This bank is doing something illegal and I hope your organization can do something about.
I 've been paying my loan with Navient since I graduated in 2009. I have n't missed a payment. My current balance is {$8600.00}. The original loan amount was {$9000.00}. How am I supposed to get ahead at that rate?
after my legal separation from my husband he started to open credit in my name with no permission I have a legal case against him but can not find him he has ruined my life his name is XXXX XXXX XXXX   remove I have disputed by mail with all three credit bureaus. act # XXXX owing an alleged {$2200.00} XXXX   XXXX  orig creditor XXXX
I am receiving calls from fake process server named XXXX XXXX saying he will come to my place of employment to serve me. He gave me the phone number of the " client '' to contact. I called the number XXXX and spoke to XXXX XXXX. She began by stating I had committed fraud maliciously and I was going to be prosecuted for a payday loan that involved XXXX XXXX checking account in Florida. When I asked her if she was a debt collector, she replied " yes ''. I asked her why she did n't read me the XXXX warning as is required by the FDCPA. She then began to read the XXXX warning. I told her that she was violating federal collection debt practices law by having someone call to threaten me with serving a warrant and by not identifying herself as a debt collector. Then she began to yell at me that I was a criminal and I was going to be arrested for stealing money. I hung up and XXXX minutes later she called me back to tell me that she was n't afraid and I was going to be sued and then she hung up.
This is a previously disputed account with XXXX and XXXX. No method of verification was provided. According to 1319.12 O.R.C.- ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill , or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.
Please refer to case number : XXXX I open my discover bank checking account when I see the XXXX dollars promotion after XXXX Direct Deposits. I have made XXXX direct deposits through my payroll to my discover banking account, but they refused to give me the opening bonus as they promised when I open my account. When I open the account and put the promotion code in, there was no indication or notification that it was by invitation only. The system accepted the promotion code and says I will receive XXXX dollar bonus after XXXX direct deposits.
Capital One Auto Finance is not deleting an account from my credit reports, which is more than 8 years since last delinquency.