WillisBack/dataset-financial-user-claim huggingface dataset:
To whom it may concern ; I 've some concerns regarding my current student loans and came across your web site thinking you might give me some direction to my quandary. 
Student loan servicers, whether for-profit, not-for-profit or government agencies, should be accountable for serving borrowers fairly, efficiently and effectively. The " Joint Statement of Principles on Student Loan Servicing '' states that student loan borrowers have protections so that they will be treated " fairly '' even if they are struggling to repay their loans and have assurances that student loan servicers, both in the marketplace and through federally-contracted companies, " are held accountable for their conduct ''. 
But I find that this is inaccurate - Loan servicers do n't apply repayment funds equitably to the interest and the principle balance, such as in a home mortgage. This is unfair practice that keeps the borrower in debt for longer periods of time at greater expense on long term notes. 
I have been in repayment for some time now and found out that my loan servicer has only been applying my payment to the interest only. At this rate I will constantly accrue interest and never have the ability to pay down the principle amount, costing thousands of dollars that are charged to me unfairly. 
Is there some resolve to this mess that can give me some direction so I can feel better about paying on my loans? 
I would appreciate any guidance you can offer, A frustrated borrower
From XX/XX/XXXX - XX/XX/XXXX I worked as an agent for a new XXXX office. 
I was explicitly told by management that for my entire first year, I would not have to pay rent or other office related fees. 
It's common for many insurance and financial companies to charge agents/representatives rent and other fees associated with running an office. 
I remember accepting this job because I thought a first year with no rent was a fair offer for a brand new office trying to establish itself. 

Anyways, I left the company in XX/XX/XXXX for a better job opportunity. 
And I specifically asked my manager, when I gave my notice, if I owed any money to XXXX. 
He told me " No, '' and I thought that was it. And it was, until XX/XX/XXXX. On XX/XX/XXXX, I received a letter in the mail from XXXX stating I owe them {$1400.00} and that I was delinquent on it. I asked for a breakdown of the charges and an explanation on how they could fail to notify me of an alleged debt of {$1400.00} for well over a year and then threatened me with collections. 

Needles to say, they had a poor explanation for the delay and a majority of the money I allegedly owed XXXX was rent and technology fees ( effectively office expenses I was told I wouldn't have to pay during my first year ). I told the XXXX finance director trying to collect this debt that I disputed it and that I never agreed to these expenses either verbally or in my written contract with XXXX. Furthermore, XXXX couldn't even provide me with a contract that I physically signed. 

XXXX ignored my dispute and didn't respond to any of my concerns. I would have happily paid them back for any charges they could show me I agreed to. 
I figured they would take me to court or arbitration ( part of my contract with them ) in order to collect and I would be able to make my case. 
Instead, they sent my " debt '' to a collections agency called " Stuart-Lippman & Associates. '' My lawyer immediately responded to the collections agent from Stuart-Lippman when he contacted me via e-mail on XX/XX/XXXX about the debt. My lawyer notified this collection agent that the debt was disputed and no evidence of me consenting to these charges existed. I did not sign or consent verbally or in writing to pay rent or other office expenses at all, let alone at whatever rate XXXX charged me. The collections agent sent my lawyer the same few documents that XXXX had already given us ( i.e my " bill '' and employment contract ). None of those documents have me agreeing to pay these charges. 

My lawyer explicitly asked the collections agent to please show and prove where in XXXX 's documents I agreed/consented to these charges. 
Again, I would've gladly paid once I was shown where I consented to these charges and agreed to pay them. The collections agent ignored my lawyers request and reported me to the credit reporting agencies. 

I now have a delinquent/late payment impacting my credit score and it's for charges I never consented to. 
Furthermore, myself and my lawyer have disputed the charges and asked for evidence. Our requests were either ignored or given useless documents that don't prove anything.
I'm trying to sign up with XXXX XXXX ( XXXX XXXX XXXX ) on XX/XX/2018. 

I'm getting an error that Capital One is blocking external applications. Can't find a way to enable it.
A phone number was calling me so I called back. The first person I spoke with asked if they asked for when I called and I said yes and then was put on hold. After a couple of minutes of being on hold I hung up and called back. When I called back the gentleman who answered the phone asked me if I was " XXXX XXXX '' and I said yes. I then asked him what company this was that was calling me and he said, " Direct Recovery Services ''. He then told me XXXX XXXX has hired them to collect the debt for them. I informed him I do not pay anything unless I have it in writing. He stated they have mailed notice out and I informed him I have not received it. I asked him to mail XXXX out because I do not pay anything over the phone unless I have proof of debt. There is so many scammers out there plus they do n't even answer their phone by stating the company name. I have no idea if they are legit or not. He told me to get in touch with XXXX and they will direct me to them. I again told the gentleman I do not pay anything over the phone without documentation. Rudely he told me they have sent out notices. I again told him I have not received any notice. I then told him he is not to call any other phone number except for my number XXXX so he does n't have to harass anyone else to just call me. He stated he was not harassing anyone and he is not going to mail out anymore notices and there will be no settlement offer. I told him I do n't pay unless I have proof of debt and I hung up. The gentleman on the phone was rude.
I applied for a loan refinance with Quicken Loans. This required an upfront payment of {$500.00} and an appraisal. The appraisal was completed and Quicken Loans gave me the details of the refinance package they could offer. Subsequently, I was offered a superior package from XXXX Bank. After much consideration, I decided to pursue the refinance with XXXX. On XXXX XXXX, Renasant and I emailed Quicken Loans and requested that the appraisal be transferred so that I could complete my refinance with XXXX. Quicken Loans chose to delay the transfer until they could speak with me. After several calls and emails, it was determined once again that I would pursue the refinance with XXXX. At this point, I was passed to a different group within Quicken Loans and told that my appraisal would not be transferred. I restated my request, but was told Quicken Loan 's company policy prohibited the transfer. I professionally expressed my frustration, and found only a cold indifference to my request. 

I paid Quicken Loans to engage the appraisal company. The appraisal should be transferred upon my request. It should not be held hostage in an effort to force me to transact with Quicken Loans. 

Furthermore, I should not be belittled for choosing to transact outside of Quicken Loans. Prior to my appraisal being held, I was told that my choice to deal with XXXX was ignorant. The specific words were, " Well, if you do n't know any better, [ you would choose XXXX ]. '' I am a XXXX, and I know the differences in the refinance packages being offered. XXXX came to me with a good offer right away, where Quicken Loans revised their offer XXXX times, only to offer something a few hundred dollars better ( after seeing the details of XXXX 's refinance offer ). Based upon this behavior, I chose XXXX, and I need my appraisal before my loan lock expires.
Received a collection notice form a company called Muicipal Collections of America They did not include any back up for the debt collection. The debt collector cites a ticket in forrest XXXX XXXX. on XX/XX/XXXX. We live in XXXX and were no in XXXX on the date referenced.
I have been a victim of Identity theft. Between the XXXX of XXXX, 2019 some one opened an account on my name and requested a XXXX XXXX credit card and also opened a XXXX account and bought 4 new XXXX from them. I did NOT requested such servides or accounts. I realized I was a victim because of the bills dfrom bot companies arriving at my mail adress in the US. I am currently living in XXXX XXXX XXXX. it has been very difficult from here fixing this issue. I have tried contacting both companies over the phone but both require a US police report wich I cant get overhere since the XXXX police has no authority in the US.
Credit reporting agency responded with accounts matched name social security number and date of birth. As this agency knows they have mixed my files up previously as well as not contacted the actual creditor but relied on electronic correspondence. I have asked for the name of the individual who verified this along with documents that verify. 
XXXX acct # XXXX XXXX Acct # XXXX
I applied for a Citi XXXX credit card and my application was denied. I was given some nebulous reason about there being a fraud alert on my credit report. I had removed the freeze on my credit file BEFORE applying for the card, which is how citi was able to access my credit file in the first place so I have no idea what they are talking about. There are no other credit alerts on my file.
Vehicle financed with XXXX # XXXX shows on Report as Voluntary Surrender. Loan was not Mine, but My husbands and is which was traded in and balance Paid in full to XXXX XXXX
On XX/XX/XXXX my husband and I entered into a contract with Pulte Mortgage for a new construction home in XXXX, FL. The home was scheduled to be completed in XX/XX/XXXX but was actually completed two months ahead of schedule, in XX/XX/XXXX. Pulte Mortgage denied me the financing on XX/XX/XXXX because I did not qualify for the home ( I was in the process of saving the required funds to close and also trying to rent out my condo to comply with their request since they were counting the rental income to qualify me for the property ), yet they refused to return my {$2500.00} earnest money deposit. Despite various phone calls from me, my real estate agent, and a written letter from my attorney demanding that they return the deposit, we were unsuccessful in obtaining our {$2500.00} deposit returned to us. It hardly seems fair that Pulte Mortgage initially approved us, then denied us at the last minute and sold our property to someone else at a much higher price when we complied with everything they asked of us. All I want is for them to return my {$2500.00} deposit since they did not give me enough time to qualify for the home, they denied me, and they cured the situation by selling the property at a much higher price than what I was supposed to pay ( I had received a pre-construction price ). Given the fact that they pushed the closing two months ahead of schedule and they were able to cure by selling the property to someone else they should have released my deposit back to me since we did everything that we could and really wanted to buy the home. Please investigate their practices and demand that they return the {$2500.00} deposit to us. I had almost given up when I was recently made aware of your organization and that I may still be under the statute of limitations to receive consideration for our situation. Your assistance would be greatly appreciated.
I contacted Experian today requesting a refund for an apparent membership that I did not realize I was signing up for. I went to the website on XX/XX/XXXX to purchase a credit report that I thought was free but I saw that I had to pay XXXX so I thought it was just a processing fee and then {$21.00} came out of my account 10 days later, which I just saw today and I did not authorize or think I was authorizing. What I saw when I went to the website on my phone on XX/XX/XXXX is in the attached image. 
The supervisors I spoke with today said they could not issue me a refund because it clearly states on the website that I was supposed to cancel within one week but here 's the thing, I NEVER saw the important information section that is listed on the website because you have to scroll down to see it from mobile. It 's on a separate screen. How deceiving! Seriously! Deceptive mArketing at its best, advertising a purchase for {$1.00} and then misleading customers into a monthly subscription. 
All I saw was that front page which prompts you to immediately click the button, so I clicked on it thinking I was purchasing a credit report for one dollar and that was it. I did not sign up for anything I did not authorize any reoccurring payment on my end. Today I called and did cancel after finding out that they had signed me up for this. I feel very deceived and I would like my {$21.00} back.
I've contacted credco  in regards to three hard inquires that were pulled by a company called XXXX XXXX the company did their investigation and found out that it was not accurate information it was not factual information nor did the company have my permission nor did they have my consent to pull my credit. I am a credit fraud victim I have a security alert and freeze on all 3 bureaus. A few months ago I asked credco to remove the three inquires on my account they did their investigation and in XXXX they found out that they were supposed to be removed. The company never notified XXXX  XXXX and XXXX. I have since then contacted them with updates in regards to why they have not removed this on all three credit bureaus this is not a factual report this will not stay on my credit for 2 years, this has damaged my credit by 15 points 5 / points per pull I am now legally requesting  that credco has the hard and choirs all three removed within 30 days or I will seek legal action in a court of law, credco  has a very poor customer service and extremely rude customer service they refused to help me and they have refused to remove all three credit inquires from my account they claimed that they are reopening another investigation on to see why they were not removed since then I have contacted all three credit bureaus and every single one said they were not contacted with an electronic message for deletion credco also refuses to show me a copy of proof of deletion they failed to give me any type of proof that it was removed that they are removing it and it has been requested to be removed I've asked 3 times for copies for proof of deletion so this way I can send the credit bureau a actual copy however the company refuses to give me this information as of today they have 30 days to remove all three Harden choirs that were already investigated and I was found innocent and they were wrongful credit inquiry pulls should all three inquires not be removed within 30 days I XXXX and will seek Financial reimbursement and legal repercussions for failing and refusing to delete all three records that are not factual I will wait 30 days as of today
On XXXX/XXXX/2015, I contacted Experian concerning several hard credit inquiries appearing on my credit report. These inquiries were made by third parties who DID NOT have my permission to pull the report. I made Experian aware that the companies/organizations who gained access to my credit report had no permissible purpose under the Fair Credit Reporting Act and that Experian had the responsibility under 15 U.S.C. 1681i ( a ) ( 5 ) to remove credit inquiries occurring without obtaining permissible purpose from the consumer. Experian has ( 1 ) refused to make the violators prove that they had permissible purpose, ( 2 ) refused to remove the inquiries from my credit report after failing to obtain permissible purpose from the violators, and ( 3 ) claimed that my request for corrections and accuracies to my credit report were suspicious ( see attached ).
Wells Fargo Bank has been charging our company, XXXX XXXX XXXX dollar overdraft fees. Our company operates on 30 day terms with our clients and many don't pay on time. Our XXXX   business struggles to keep sufficient funds in our accounts and the over draft fees are absurd. A {$35.00} fee is too much to bare. In 2009, commercial banks made XXXX XXXX dollars on overdraft fees alone. They continue to. Far from protecting their interests if account holders default, they are making a huge surplus off the errors of their clients. I suspect these subsequent years have shown an increase in annual overdraft fees collected.
On or about XX/XX/XXXX, I received a call from XXXX at Financial Assistance XXXX Inc., saying " this is an attempt to collect a debt '' for XXXX. I was in California, watching my mother XXXX, when she called. I do n't remember everything I said because I was distraught ; but I do remember her saying she would call back in 2 weeks. After my mother passed and I returned home I received a kind of rude letter from her. 
I do n't even think I owe this money anymore because my credit report states : " Charged off as bad debt. Profit and loss write-off ''.
XXXX XXXX has multiple late payments notated on my credit report. These payments were made on time and the loan is now paid off. XXXX has failed to report any payments since XX/XX/XXXX. These late payments should be updated to on time and my account should show as closed in good standing. 

Late payments that should show as on time include : XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ; and XX/XX/XXXX 

I contacted XXXX XXXX on XX/XX/XXXX to ask that they update this information and paid off the loan completely. I now have the title and the note from XXXX saying my account is closed in good standing, but reporting to credit bureaus has not been updated. I am filing a complaint to update these late payments as on time and close this account in good standing.
Seterus is now demanding a minimum payment that is more than {$300.00} over my contracted amount. The " servicing '' department has also added more " fees '' to the amount owed on my mortgage. Seterus seems to be indicating that a portion of the payments I have been making ( all complete and made in a timely manner ) is being held " in suspense '' because they have been individually or collectively partial payments, something they NEVER informed me of, despite repeated requests to send monthly statements. They are also continuing to send me mail without my name spelled correctly, so I still am completely unable to communicate with anyone at Seterus either by telephone or writing.
I purchased a XXXX from a XXXX of XXXX, CA on sunday, XX/XX/XXXX It was late at night and my bank was already closed so I was unable to get a check to write to them. I was told that I would be getting a XXXX XXXX XXXXXXXX Loan and shown XXXX XXXX XXXXXXXX paperwork and told that if I paid it off within the first 30 days I would not be charged interest. 

I attempted to go to XXXX XXXXXXXX XXXX on XX/XX/XXXX to pay off in full and the when the bank was unable to find the loan I called XXXX of XXXX to ask who held the loan. I was informed that XXXX XXXX XXXX ( a division of Toyota Motor Credit Corporation TMCC is the authorized attorney-in-fact and servicer for XXXX XXXX XXXX. ) held the loan when I asked for the loan number I was told that XXXX of XXXX had just mailed in the paperwork that day and there was no loan number associated with my account since XXXX XXXX had not had time to receive and process the paperwork. It was suggested that I contact them next week to get a loan number. When I contacted XXXX XXXX XX/XX/XXXX to pay the payoff amount has already increased by {$78.00}. 

I do not understand why I am being charged interest when I was told it was literally not possible to pay off my loan on XX/XX/XXXX when I called XXXX of XXXX. 

How is it legal for a company to accrue interest when they do not give the consumer a way to pay off the loan? 

I made a full payment to the loan on XX/XX/XXXX and received an email from XXXX XXXX stating that the payment was received. Then on XX/XX/XXXXXXXX XXXX emailed me at XXXX saying that the payment was rejected despite the fact that I had the funds in my bank account. I called in on XX/XX/XXXX to reattempt payment and was told the account was closed and that I would have to wait for them to reopen it before I could pay it. Again they are accruing interest while not providing me a way to pay. I have called their customer service multiple times today but they are not able to immediately reopen my account and I have to wait to next week to pay.
I complained on XXXX of XXXX, 2015 regarding my mortgage with Bank of America. After the initial complain they have forwarded me to another department. The new representative seems like work for another company that is hired by Bank Of America. They have requested me the change in circumstances paperwork that I have submitted within a day or two. I have also provided all the supporting income documents for example, bank statements, and profit and loss statements. In addition I have also provided the pay stub for my wife and bank statements of my daughter because according to the website I can add household income too, even if they are not on loan. It seems that foreclosure date is coming and they are trying to gain more time. According to the law, once they receive change in modification documents complete package. They should stop the foreclosure but again Bank of America is trying to play the same witty gimmicks, that they have played with XXXX of Americans for throwing out people out of their houses. Again the person I am working with left me a phone message and after that I tried calling him XXXX times but he was not available. I got a hold of their another manager who started another paper trail which I have provided within hours and it seems like she stopped picking up her phone too. Once they realized that they might can not ask for any possible papers in the world, they stop picking up the phones. Even I had to tell the, m that a person in household can contribute in the qualification process because my initial representative XXXX XXXX have absolutely fooled us for all this time telling that we can not use any other income if its not in the mortgage. Any way I am attaching all the documents provided to bank of America for change in circumstances and hope that someone would take a look at it and ask them for answers. Since they play with peoples emotions by asking some kind of paperwork and after you provide them they tell you that no we cant use this because of some reason and then you provide them more and so on. Please stop this mega monster company from playing with peoples emotion because if they cant do it tell us in first place why play these games with the innocent customers.