WillisBack/dataset-financial-user-claim huggingface dataset:
For the past 6-9 month I have made my Navient Payments in full according to my online portal in the amount of {$180.00}. I add a note every month to spread my payment across all loans in full. Every month my account shows that I am behind {$100.00}. Every month I call Navient to fix the issue and I get the same response. " We ( Navient ) didn't apply your payment across all of your loans ( even though I added a note to do so ), that's why its showing a pass due amount. Navient then sends a request to another one of their departments to spread my payments evenly. I go through this every month for 6-8 months. 

This month my online portal is the same {$180.00}. I make the payment and again I am behind {$100.00}. I call and I am told my new loan amount is {$290.00} and I am behind {$100.00}, again. I was not yet told that my amount has been raised to the new number of {$290.00}. My online portal still says {$180.00}. I haven't gotten a clear answer on why my current pass due of {$100.00} with the new payment of {$290.00} is equal to the previous pass due of {$100.00} when my monthly payments were {$180.00}. 

There are two issues here. 
1. Every Month I make a payment in full Navient doesn't spread my loan equally even after I am told for now on they will spread my loan out equally. And even though I attach a note to each check to spread my loan out equally. If I were to send my check in and not check my account this would have drastically hurt my credit score. This is an obvious practice that they will continue to do. I have been told they will fix it by multiple Navient representatives who I will list below. 

2. I made my usual payment and once again pass due. But this time its because my payment was increased and I was not notified. The increase was not posted on my Navient online portal. Why is the current pass due amount with a new payment equal to previous pass due amounts that I have been making of a different payment? Why is Naveint continuingly trying to get an extra {$100.00}? 

I have spoken with : 1.Someone with the E Code XXXX XXXX. XXXX XXXX on XXXX 3. XXXX XXXX on XXXX XXXX. XXXX  XXXX on XXXX XXXX. XXXX XXXX on XXXX 6. XXXX XXXX on XXXX XXXX. Many more prior to XXXX Attachments explained : Monthly payments should be the same each month. If you look at my attached copies of payments via the Navient portal, you can see timely payments from me and repeated adjustments to fix the issue from Navient, AFTER I called about the issue. The most recent previous months Navient still had to make adjustments but they didn't show in the portal this time, they covered their mistakes up.
Around XX/XX/2018 checks were deposited into my account using an atm and that multiple transfers were the made out of my account totaling up to {$3000.00} but they did not come from me. The bank did not even notify me that they were putting a freez on my account yet along starting and investigation. I didnt find this out until I tried to log onto my mobile app and could not so I had to call them. When I called they told me thats when they told me about the checks I told them ok well they did not come from me.usaa then said they were doing an investigation and that it would take four to five business days and would be in contact with me. Two weeks went by and I still didnt hear anything. When I called back I got the run around and nobody could give me an answer on what was going on with the investigation it was also at this time that I found out they were closing my account. The XX/XX/XXXX rolls around and Im expecting this to be handled ... no Usaa then takes my retirement pay ( my only source of income ) saying that the I owed then for the bad check, mind you they still have not given me any information on whats going on with the fraud investigation. By this time no one has giving me any information and I was told that their fraud department would get in contact with me with in 3 to 5 business days and yet again I hear nothing. Today XX/XX/2018 I called them because my deposit was not made into my new account. The deposit was made into this same account that they said they were closing.usaa then says they took the rest of the money owed to them and that there were remaining funds in my account but I dont have access to it and they would have to get approve to release it to me. Once I go off one the rep about that on top of the fraud investigation I was transferred to a supervisor who then looks into it. Im then told that the investigation was completed and that they found me responsible. I ask how am I responsible when these transactions one were not authorized by me and two were in a complete different town than where I live. I was then told well thats what our investigation decided and that I should call back Monday to check the status of if I still owe them money. This is the second time this year there has been fraud on my account with them. You would think after banking with them for more than 6 years they would be a little more helpful instead of putting me in a bad situation.
My wife and I filed a Complaint with Macys Credit Card ( Case number : XXXX ) which was successfully resolved ; however, now it has come to our attention that Macys has taken action against my wife and I and have closed our Credit Card account without warning and without justifiable cause and this has caused us great harm in terms of our availabile credit and credit reporting ; therefore, we want to know why Macy 's has taken this action against us due to our original complaint the reason for closing our account when our original complaint did not mention anything of requesting to close out our account and just to give us back our money owed.
From : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXPhone : ( XXXX ) XXXXEmail : XXXXPHH Mortgage Service loan number : XXXXRegarding : PHH Mortgage Servicer Loan Modification DenialOn XXXX XXXX, 2015, I was notified by PHH Mortgage Service Loss Mitigation that my loan modification was denied because of too much expenses, I have requested for an explanation. On XXXX XXXX, 2015, I received a Decision Notice ( denial ) letter of XXXX pages, ( exhibit A, B, C, D, E, F ) and XXXX pages of Income and Expenses Worksheet ( exhibit G, H, I ) via email and fax. On PHH Income and Expenses worksheet they stated that my expenses is {$6400.00}, which is completely inaccurate and deceivable figures. On XXXX XXXX, 2015, XXXX XXXX XXXX supervisor PHH Mortgage Loss Mitigation called me, I 've asked him why did you calculate this figures as part of my expense such as all the credit cards that I do not pay on and are delinquents and charged-off, and most of the other figures are outdated and inaccurate because it has been about XXXX months since I submitted my loan modification documents and even a monthly payment and the amount I owe on a mortgage on a house that I have not owned in over XXXX years? he basically stated that those figures are correct because they show up on my credit report and for me to contact those companies and have them remove it from the consumer reporting agencies. I asked my case manager from PHH Loss Mitigation why is the XXXX pages of Income and Expenses Worksheet has XXXX Investor XXXX, she said they are the one who owns my loan, I asked why is it in the Denial XXXX pages letter it states that XXXX Bank XXXX XXXX XXXX is the owner of my loan, she does not know. 
When I submitted my loan modification documents in XXXX 2015, XXXX XXXX XXXX XXXX XXXX was the owner, then XXXX XXXX foreclosing on my house and now XXXX XXXX denied my loan modification. Three different banks own my loan in less than XXXX days. I have presented this case to XXXX Housing Council of XXXX, Housing Counselor XXXX XXXX, she told me that PHH is wrong and she wrote a letter XXXX exhibit J ) stating that which I forwarded the letter to PHH. 

After consulting several agencies, I dispute the denial of my loan modification decision that was made by PHH Mortgage Servicer and whoever owns my loan. 
I demand a stop to the foreclosure of my house and I appeal to the owner of my loan to review this case. I also urge the Consumer Financial Protection Bureau to investigate this matter before the bank takes my house with their inaccurate figures
I have a credit card with Bank of America. I have had this card for quite some time and there are multiple balances with difference interest rates on this card. I thought if I made a monthly payment that is higher than my minimum payment due then that extra amount would be applied to the balance with highest interest rate first. But they are not doing this and I asked about it and was told that this is not how they distribute the extra amount that is paid over the minimum due. But I thought this was a regulation in the CARD Act. Am I misinterpreting the law?
XXXX, XXXX, and EQUIFAX is posting old information on my credit report. I have made several attempts to settle the matter and XXXX, XXXX, and EQUIFAX have ignored my notices. As of today, XX/XX/2017, i have several inaccuracies listed on my credit report and old information that should be removed according FAIR CREDIT REPORTING ACT and statue of limitations. My character is being damaged and the Credit reporting agencies is making it very difficult for me to obtain new credit.
My XXXX year old mother passed away recently, after having had an at & t/universal/citi credit card since 1990. Concerned with eliminating any chance of fraud, I called the XXXX number and canceled the card. In the process of canceling the card, I noticed that there were XXXX available reward points on the card with a value of approximately {$250.00}, so I asked if I could collect them, if the card was canceled. The answer was yes, cancel the card, and log in to the website to redeem the points. However, once the card was canceled, I could no longer log in. So I called back, only to be disconnected twice, after explaining the problem, being asked if there was a will and being left on hold several minutes. The third time I called, I was told that when you die, you forfeit your points. This is not a significant amount of money to us, but I believe it is real money, used as an enticement to gain business, and should not default back to the bank. When this policy is amplified on a national basis, it becomes a very significant amount to the bank. 
In addition, in the initial call, I was told we would receive a final bill, which I indicated we would pay. The final bill never came. Instead, we receved a letter from a Delaware collection agency regarding my mother 's unpaid bill. This part is just bad policy on the part of the bank, but the required forfeiting of the rewards points I would consider to be outright fraud or theft, very similar to the charging of fees on gift cards until they devour themselves, which I believe has since been outlawed.
Equifax mishandled my information by allowing access to mine and 209,000 other persons ' financial information without authorization and failed to report it for several months. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Repeatedly for several years, CHASE BANK has made UNAUTHORIZED, UNSOLICITED HARD INQUIRIES INTO CREDIT BUREAUS, ESPECIALLY XXXX. 
Most recent dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Have tried freezes, but the instant I lift them, CHASE hits me AGAIN!?! As a senior struggling to get by solely on Social Security, these dire negative hits to credit scores is hurting my chances at procuring senior rental housing & necessary automobiles. PLUS : inflated interest rates & painfully larger deposits. I called Chase the summer of XXXX to STOP, but to no avail. My powerlessness over the situation is severely exacerbating XXXX, one of my XXXX. I have NO charge cards, have not had one in the last 20 years and DO NOT WANT ONE.
I moved to a new apartment. In doing so, I noticed that my social security card missing. I reported the loss to Equifax via telephone. Pretty soon all XXXX credit reporting agencies confirmed receipt of the loss. This XXXX, I applied to a senior housing in XXXX. The application was denied. I did not give it importance. Then I applied for a car loan with XXXX because of their 0 % financing. It was then that I learned that there was a fraud alert on my credit. I had become a victim of my own credit alert. The XXXX reporting agencies never bothered to call me when there arose a credit inquiry on me. I have been prejudiced and was forced to take a 4 % financing on my car loan, instead of the 0 % financing. I am in jeopardy of using up my savings just to pay this loan.
This is a general policy issue. Consumer debt is at an all time high. If you pay a credit card off and closed the account your credit score goes down. This policy needs review we should be encouraging and rewarding people for paying their cards off. What do you think?
This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX XXXX XXXX is currently reporting to TRANSUNION that I applied for credit with XXXX XXXX on XXXX/XXXX/2015 I did not grant TRANSUNION authorization to provide access to my credit report to XXXX XXXX ; or share my credit report with XXXX XXXX XXXX. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry.
I have a XXXX XXXX card which, if I pay my statement online, allows free Fico score. 
When I set up my payment this month I checked the Fico score and found that w/o warningit had dropped from near XXXX to XXXX in one month. I have spent 3 days trying to found out whyand have been all over the internet. YES, with the big XXXX! They want you to fill out and givethem everything but your birth certificate and then at bottom near submit button and in fineprint, they want a monthly fee! There is a form you must download and fill out and send inbut I can NOT get a full copy ; I have tried to turn it clockwise, counterclockwise, shrink it ; ETC. 
Still can not get full copy. It may say FREE but you finally give up!!!! I am XXXX years old ; I cannottake this anymore. I just want a FREE credit report!! Oh yes, XXXX of the big XXXX say mycredit report is NOT available online, hence the reason I have tried to get a form to fill out. 
And I need to see a report as I have NOT opened any new accounts, all my bills are paidonline monthly and I have checked my credit cards and do not see any unusual activity. 

PLEASE, PLEASE HELP ME!!!!!
On  XXXX   XXXX ,   XXXX   I pulled my  XXXX  major credit reports from  XXXX . I noticed an account being reported by  XXXX   XXXX   XXXX   XXXX  that I had no knowledge or record of. I disputed this account with all  XXXX  agencies under the complaint of " account does not belong to me ''. On or around  XXXX   XXXX ,   XXXX   I received an updated credit report and a summary of the investigation that simply stated  " Information va lidated as accurate ''. No reason, method, or support to that statement.     In the updated credit report I found that not only did they not resolve my complaint but they allowed  XXXX   XXXX   XXXX   XXXX  to update information on the account from charge-off with a balance of   XXXX   and no late payments to having no high credit limit, a balance of {$2200.00}, a charge off amount of {$2200.00}, re-age the date of last payment from  XXXX  to  XXXX , and tack on  XXXX  reports of 90 days late to account that had a previous balance of {$0.00}.     I then disputed this new information with all  XXXX  credit agencies with the investigation results once again stating  " Information  validated as accurate '' with out anything to support that statement.     I then proceeded to file a complaint with the BBB against Equifax about the matter. However, the BBB did nothing but open up a line of communication with Equifax. No investigation supporting documents were furnished to support their findings, and they refused to correct the issue.     I then made direct contact with  XXXX   XXXX   XXXX   XXXX . Once I was able to finally get a hold of the right person, after first being sent to the collection department to try and strong arm me into paying on an account that is not mine, they simply gave me the number for Equifax and hung up.     I am now in the process of initiate   XXXX   last effort to have the report corrected before I pursue legal advice on handling the matter.
Last XX/XX/XXXX Home Depot sent a mailer offering me zero percent interest for 12 months on credit card purchases totally over {$290.00}. The offer was open from XX/XX/XXXX throughXX/XX/XXXX at XXXX. I decided to do my XXXX shopping at Home Depot specifically because of this promotion.

Before making the purchase, I called Home Depot to ask how any qualifying purchase would be noted as qualifying for the promotion and I was told that it would be " automatic. '' At XXXX XXXX  on XX/XX/XXXX, I placed an online order for 8 items. The total order was {$380.00}. Please note that the purchase was OVER {$290.00} and placed BEFORE the offer expired at XXXX  of the XX/XX/XXXX. This has been confirmed by Home Depot representatives and I have attached documentation verifying it as well.

Today,XX/XX/XXXX, I went online to pay my Home Depot Credit Card bill and noticed that the total amount owed was higher than expected. I downloaded my XX/XX/XXXX- XX/XX/XXXX statements and was surprised to find that I am being charged interest on the purchase that qualified for the promotion described above. I called the credit card company ( Citibank ) to inquire why I was being charged 26 % interest on a purchase that qualified for 0 % interest for 12 months. I was transferred four times trying to get someone to help me and ended up in the office of the president of Citibank, where I was informed by XXXX  that my purchase did not qualify for the promotion. Apparently, Citibank considered each separate item as a purchase rather than the qualifying total purchase, because they bill each item separately when each item was shipped. Therefore, Citibank claimed none of my purchases met the requirement of a purchase totaling {$290.00} or more. Furthermore, the billing date was the date of fulfillment by the vendor, rather than the purchase date, which Citibank said also disqualified my purchase. I informed XXXX  that the total purchase was {$380.00} and the total purchase was made before the deadline and I had the invoice to prove it, but she said repeatedly there was nothing she could do and advised me to contact Home Depot directly.

I then called Home Depot and verified that the entire purchase did, in fact, qualify, as the purchase was made before the deadline of XXXX  XX/XX/XXXXand the total purchase was over the {$290.00} minimum. The Home Depot representative ( XXXX, Resolution Expediter, XXXX office ) created a conference call with XXXX  from the president 's office of Citibank, who merely reiterated that " there was nothing they could do '' and kept insisting that the separate purchases did not qualify for the promotion.

Despite the Home Depot representative confirming that the {$380.00} purchase was completed BEFORE the XX/XX/XXXXXXXX   deadline and totaled well OVER the {$290.00} minimum purchase required to qualify for the promotion, XXXX  simply kept repeating that my purchase did not qualify and there was nothing she could do, and that she had no supervisor that I could speak with.

To this date, I am being charged 26 % interest on a purchase that qualified for 0 % interest by Home Depot 's own criteria, but Citibank refuses to honor the promotion.
I have a pending payment due on the XXXX of XXXX for a loan used to pay XXXX University at XXXX XXXX, FL. I am experiencing financial hardship and as a result, I will not be able to make the payment at their specified amount. I decided to be proactive by calling Sallie Mae before my account becomes delinquent. When speaking with the Sallie Mae representatives, all they offered was forbearance as an option. I explained that I had already taken that option for XXXX months, which increased the loan amount as well as my monthly payment terribly, and that I was now ready to pay a monthly amount that is more fitting to my financial needs. End result : after speaking with many customer service representatives and supervisors such as XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX I was told that no sort of help or temporary repayment plan would be offered until I became delinquent on my account. Their solution was for me to not pay on my loan, and they even went as far as to encourage me to go into default. I have the representative ID numbers of several employees which made the statements described above. I am surprised as to how this company is allowed to be in business in the United States of America, and disgusted as to how they target students for these loans. I am ready and willing to make some sort of payment of my account, I just can not afford the amount demanded by Sallie Mae and it 's representatives at this time. The customer service team there appears to have a goal of pushing their clients into default. It 's an unfair business practice which is not even seen in the majority of credit card companies.
My student loan servicer was perviously XXXX and now it is Navient both whom I had major trouble with. I owe XXXX in student loans and I am on the IBR plan. My monthly payment has been calculated to zero due to low income. Despite my low income I was getting help from my family and making payments anywhere from dollars XXXX for the last few years. I have always requested my payments to be applied towards my principal but my payments were not applied correctly, my balance has still not gone down and is always the same. XXXXNavient is just scamming students and has been doing so for years. How is it possible that after all these payments I am still at the same principal balance. I kind of gave up now and really can not afford to play these games with them anymore. I was told by a financial advisor to ask them over the phone whenever i make a payment to have my payments applied towards my principal. They have not done so and have applied my payments towards interest even though there was no interest that had accrued at that time. These student loans and servicers will eat my life away just unbelievable. Instead of helping students succeed so we have more educated people in the USA they make it almost impossible to pay off these student loans and making them absolutely not affordable for students by redistributing payments wrongly. I have enough of this, this is not how students should be treated and suffer. I have enough of this and as of next week I am filing a lawsuit.