WillisBack/dataset-financial-user-claim huggingface dataset:
My complaint is about Navient. 

I am a resident physician who took out money for medical school. I am now a second-year resident so this is my second year paying on the loan. I have to be on an income-based repayment plan because my income ( ~ $ XXXX ) can not possibly make the payment on my > {$200000.00} student loan. As a result of being on the income-based repayment plan, Navient forces me to re-demonstrate my income every year to re-qualify. In order to accomplish this re-demonstration ( which is a useless exercise anyway because my income barely increases annually and that number is set years ahead of time for all residency programs and it is published online ), they sent a single non-descript email on XX/XX/2018. The email does not include any indication that it might contain such a re-authorization requirement. I have attached the email with my information redacted. In order to receive the contents of the email we are required to follow the link, login, and click on a pdf link that may or may not be the most recent message ; that is easy to overlook when you get 50 emails, this one contains nothing but a link, and there is no way to tell which message on the Navient website this email is connected to. BTW, I have four post-graduate college degrees and this is not straightforward. 

Of note, Navient does not include additional reminders. They do not include an email saying anything relevant at all. In fact, all Navient emails are essentially hidden until you conduct the separate login. Then, after that single email, they emailed me in XX/XX/XXXX to say that my payment would be increasing to {$2600.00} a month. Obviously, I can not afford that while I make {$50000.00} a year. They do give me the chance to fix the problem by going back on the income-based plan. I submitted all of the information to get back to the same income-based repayment program I was previously that is currently pending. 

However, despite staying on the same payment plan and having no lapses in my payments, Navient capitalized my interest. Apparently, that is their policy. If people do not re-authorize their loan in a pre-specified window of time, Navient capitalizes their interest. In my case, that capitalization was approximately {$6000.00}. So now I am getting compounded interest around 6 % on another {$6000.00}. In other words, I get to pay an extra {$30.00} a month for the duration of my loan. All because I missed a single non-descript email. 

I am wondering what the value of such a policy for the government that I borrowed money from? That is, why would Navient be allowed to steal a huge amount of money due to missing an arbitrary re-authorization date despite staying on the exact same repayment plan. It seems like a scam. We are basically borrowing money from our own government and Navient is being allowed to skim money off the top.
Describe what happened so we can understand the issue ... An alleged debt in the amount of approximately {$280.00} was reported to Equifax, XXXX, XXXX for an account from XXXX ( acct. # XXXX and/or XXXX ). I sent an online dispute to XXXX & Equifax. XXXX & Equifax reported that the dispute or dispute investigation as closed and the alleged disputed amount was placed or kept on my credit report. I ordered and cancelled the order for the services. I never received the phone and internet services that XXXX claimed to have provided. I never received their equipment, their technician did n't connect anything in or around the house, nor did I use their services reference in that account.
On XX/XX/2017 my attorneys submitted a dispute of this debt on my behalf. At which time NCC Business Services was reporting this debt to XXXX. NCC was not able to validate the debt owed, so the account was deleted. NCC are currently reporting this debt to XXXX and XXXX despite the fact that they can not validate. 
They are in violation of the FCRA. As they continue to report an invalidated debt to the remaining agencies, when they requested the debt be removed from one.
I was a victim of identity theft. Upon realizing that this had happened after pulling my credit report for the first time a couple years ago, I realized that there were items on my report that I had no idea what they were. I immediately searched for the name of the companies and guidance on how to resolve this matter. I was directed to the FTC to file a report that would remove these accounts from my credit report ( s ). The report would also serve as my " police report '' hence the accounts are out of the limitation to be handled by the local authorities ( per the pd ). One of the accounts was changed quite a few times. Two of the three reporting agencies updated my report very quickly, removing all of the items that were on my FTC report. XXXX was the easiest and most helpful. XXXX has been accessible but some of the items took a while to remove. The 3rd ( that this complaint is about ) is XXXX. They keep checking my disputes ( which take fairly long ) and come back saying that they are mine. I called them so many times to explain that the other reporting agencies have deleted them and to check my FTC claim. When I further explain that the company went from one company name to another, they don't understand why I am upset because they removed the old accounts under the old name, but left the same accounts with the newer name. When i call to further explain or complain, they ask me a series of questions that are for my protection as they claim ... .the problem is, and I tell them this, the questions they ask are about accounts on my credit file that DO NOT BELONG TO ME, therefore i can not answer them. I give them all information about accounts that are mine and still cant get any headway with them. I don't understand how 2 out of the 3 are updated to reflect my actual accounts, but this company can not get on the same page. I have been dealing with this for a couple years now and it is really hindering my score & affecting my ability to do anything that pulls from XXXX. When i call them, they are like robots ... they do not listen or try to help when i say things like i don't own the accounts that you are asking me about so i can not answer them. If they delete the original accounts, why do they keep the same accounts that just changed names or hand offs?? I am also including the information that i sent to the companies reporting info to the credit bureau 's. I am being penalized and harassed by collectors for things that are not mine.
We need your help. XXXX XXXX XXXX, sent us a letter in regards to removing our mortgage insurance. 

In the letter XXXX XXXX XXXX stated the following : 1. We could only use the improvements we made to the home in the last year.
2. We could not use current comps from the increased market.
3. We could not order a BPO for a valuation, but only could order a appraisal.
4. We could not remove the Mortgage Insurance if we were not at 75 %.
5. They quoted the appraisal to be {$470.00} and then came back and asked for {$250.00} more.
Chase Card Services is reporting a charged off account on my 3 credit bureau files. I have never applied for this credit card and have attempted to contact them for correction. They refused to research and provide validation of debt as requested. I do not know the exact date that I contacted them but have done so on many occasions and am now requesting this be removed.
Loan was with One Main Financial ( XXXX ), XXXX XXXX XXXX, XXXX Ohio, taken in XXXX, 2015 Actual Loan amount {$4700.00}, for 30 months. Total to be paid with finance charge {$6500.00}. Total I paid in 12 months was {$6000.00}. ( XXXX pmts of {$210.00} and XXXX check {$3400.00} ) .In XXXX when I called for pay off amount was given {$2000.00}, but when written letter received payoff was {$3400.00}. When I asked for report of how may payments was allocated ( interest and principle ) they refuse to give to me. I received my last payment of {$210.00} refunded to me. I believe One Main Financial took the total finance charges before applying money to the principle. One Main Financial owes me at least {$1000.00} if not more.
In XX/XX/XXXX, after 36 months of payments, I returned my car at the end of its lease to XXXX XXXX XXXX XXXX, Nevada, and exchanged it for a new one. The dealership asked for both keys for the car I was returning. I said I only have one because the other one was stolen. The dealership asked whether I could produce a police report. I said yes and sent them a police report clearly showing the XXXX key among the items stolen. The police report is attached. They asked if I was reimbursed for this and I said no because my deductible was too high. The dealership ( XXXX and/or XXXX ) said that would be fine not to turn in the second key as I had a police report, and that all was taken care of. The car was returned in pristine condition and no other fees were charged to return the car. 

Several weeks later, in XX/XX/XXXX, I got a bill from XXXX XXXX for {$400.00}. I called XXXX to ask what this is for, and was told it was for a missing key. I explained the above situation to them, and they said fine, thank you. I returned the invoice to them with a note repeating the above as well and thus do not have the original invoice to give you. For the second time, I thought the matter was done. 

But no. I subsequently got a call from the dealership in perhaps XX/XX/XXXX saying that XXXX did not waive the fee after all, and they felt bad about that, and would I like to split the cost with them? I told them no, that the cost of a key to XXXX was nowhere near {$400.00}, that the new owner already had their new key, and they needed to honor their deal as part of my taking on a new car lease. 

In addition, {$400.00} is also grossly inflated. The value of the key at the time it was stolen ( XX/XX/XXXX ) was reportedly {$220.00} according to the XXXX dealer ( invoice attached ) plus {$65.00} to rekey. 

I am now getting threats of collection from XXXX ( letter attached ). I have emailed XXXX through my account on their website and told them if they do not honor their agreement to waive the fee for the missing key, which clearly does not cost them anywhere close to that, that this would be the last car any of our family buys or leases from XXXX or XXXX. I told them hassling me over a missing key is not a way to take care of customers who have made thousands of dollars of lease payments on time for nearly four years now. I have not received a response. I can't believe I am wasting your time and mine over a key after now four years of on-time lease payments, but here we are. 

I would appreciate your intervention in getting XXXX to honor the dealership 's agreement to waive the fee for the missing key and stop hassling me with threats of collection activity. Thank you for your help.
Wells Fargo is retaliating against me for filing a complaint with your office. I complained that they have in effect stolen my Hurricane Harvey insurance proceeds by refusing to cash the check locally. They have forced me to sign the check and mail to South Carolina. They have delayed the restoration of my flooded home by 10 days. I have no check and no information on when said check will be sent to me. Today I received a " hold wells fargo harmless form '' This is EXTORTION. This document was not on any list of required documents. This only came after I filed a complaint with your office, my senators, us representation and XXXX " reclaiming my time '' XXXX on the house banking committee. Wells Fargo has indeed harmed me by hold {$53000.00} without paying me any interest and delaying necessary work on my home. I doubt I will have a contractor by the time they get around to reissuing the check. He is getting more and more jobs EVERY DAY. And I ca n't get him started on my home. I have tried to work with a " customer resolution specialist ''. They call and are so very sorry I am frustrated but they know NOTHING. They are going to look into it.
In XXXX 2016, I applied for a credit card from XXXX and was denied based upon my Experian credit report. In XXXX 2016, I requested Experian send me a copy of my credit report and Experian refused.
I sent a letter to ALLIED COLLECTION SVC regarding account XXXX asking to verify and validate this debt. I was notified that this account was verified with no proof of original documents with my signature. I was not give a fair and thorough investigation per the FCRA. I also believe that they may not have a license to collect in Texas.
This concerns XXXX XXXX. They are showing 30 day late payment on two bureaus and an incorrect balance on 2 bureaus. I paid myXX/XX/XXXX payment which was dueXX/XX/XXXX on XX/XX/XXXXwhich was one day late, not 30 days late. They reported to XXXX that I was on time. They reported to XXXX  and Trans Union that I was 30 days late in XXXX. I caught the account up in XXXX and can not have them showing 30 days late when i was not. Also, XXXX and XXXX show a balance of {$17000.00} which is incorrect and TransUnion shows a balance of {$13000.00} which is correct. I made 4 payments in XXXX and XXXX to catch up. XXXX XXXX told me that they had a system update in XXXX and could not report untilXX/XX/XXXX. That was 4 months of non-reporting and when they did report, they reported something inaccurate to each bureau : either the balance or a 30 day late payment. I most recently spoke with XXXX today ( XX/XX/ ). They tell me they reported and can not correct until the XXXX report. This is hurting my credit score, increasing interest amounts on anything I want to buy on credit and a low score could impact a job offer. Please assist me in solving this issue.
I DISPUTE THE DEBT REPORTED BY XXXX XXXX THIS CHARGE IS RELATED TO A MODEM THEY MAILED TO ME AROUND XXXX OR XXXX 2010. I RETURNED THE PACKAGE TO THEM WITHOUT OPENING THE BOX AND THEY RECEIVED IT. HOWEVER, THEY SAID I HAD TO PAY {$190.00} DEPOSIT BECAUSE IT WAS RETURNED MORE THAN 30 DAYS AFTER DELIVERED, I WAS IN TREATMENT XXXX WHEN BOX WAS DELIVERED, AND I RETURNED IT UNOPENED AS SOON AS I WAS ABLE.
I have a hospital bill from XX/XX/2016 that my insurance for some reason would not cover. I was not properly notified of this due to change of address, so the bills did not reach me. My credit score just dropped from a XXXX to a XXXX. I never had a problem with resolving the bill before it reached this point, had I been properly notified. Also the balance amount of the account is {$780.00}, not {$790.00} as the collection agency reports. I would like this removed from my credit report as soon as possible. I have never missed a payment or not paid a bill. I am trying to buy a house and this drastically affects me in a negative way. thank you Old address XXXX XXXX, NJ XXXX New address XXXX XXXX, NJ XXXX
I have recently paid Bank of America XXXX for a closed acct and XXXX XXXX XXXX for a closed acct documented and XXXX XXXX.. but bofa has place me in ews and I am unable to open any acct .. 
says account closed due to attempt to extract from acct in 2013 ( 2 ) .. I just want this removed so I. An move on with my life
This debt collector, XXXX previously calls Progresso Fiananciero, calls 5 or more times a day from different numbers. When I have answered and explained my situation they always force me to make a promise payment, and when obviously it is n't kept they note it as a broken promise and pretty much throw it in your face and against you. I 've expressed my apology to failure keeping my loan on track when i understand i commited myself to it, yet they will tell me. " Well you compromised to the loan and your are not complying '' Recently they contacted multiple times my references who i was told were only for reference purposes. They are fustrated with me already. I am facing a nerve breaking point full of stress and i cant do it anymore. Help im tired of their harrassment asking every time why haveny i paid. I explained my grandmother passed away, my mother due to that faced health complications. During this time i faced a cut of hours at my job. To top things we had to leave our home because it did n't comply with city safety regulation. I turned homeless for a short period and they dont seem to understand that.
On XX/XX/19 i noticed a new collection account on my credit reports from XXXX. They are not bonded in the state of Texas and therefore can not collect a debt on behalf of XXXX XXXX XXXX XXXX amount {$2000.00}.
XXXX I contacted XXXX XXXX and asked for a credit increase. I specifically stated I did not want hard pull done. I did not want the increase a hard Pull had to be done. They told me would not be a hard pull. It would be a internal pull. I was denied. I then requested to speak with a supervisor as to why I was denied the supervisor told me she would look into it and inquire. I told her that was ok as long as it did not result in any form of a inquiry on my credit report. The supervisor told me there was a exception for XXXX XXXX relief victims and because I was in Florida she could submit a request for me and that it would not be a hard pull/ inquiry on my credit report. I was a XXXX XXXX victim and needed assistance so I said yes. 
The Supervisor completely assured me that it would not be a hard pull. She advised me to call back the following day at XXXX to see if the additional {$500.00} XXXX relief was provided to me. I checked my credit report today and there is a hard pull dated XXXX on all 3 bureas and it has lowered my credit score. 

This hard pull credit check was done completely WITHOUT my consent or authorization. 
These calls are recorded and I want the recordings reviewed if necessary. 
I contacted XXXX XXXX XXXX and spoke with a supervisor about this matter and requested the call be removed and the hard inquiry removed from all 3 credit bureaus.
On XXXX XXXX I realized my auto payment was canceled ( not authorized by me ), which is supposed to occur on XXXX XXXX, thus I had a late fee. The buttons online that offer to let you setup auto pay or make a one-time payment were greyed out, I could not click them. I spent about an hour chatting with someone online who then said I needed to call Capital One to sort out this issue. After an hour + and being transferred all around, it was concluded that there was a " glitch in their system '', and they could not process payments for my account for some reason. They suggested that I call back in a few days and try again. Several days later I called back, and they were able to setup auto pay, and I insisted on processing a one-time payment to pay the balance on my account, but the representative insisted I could not. Several days later I realized that there were now more late fees and interest charges. I called back again, and had to argue with people for over an hour to get these fees removed even though they claimed full responsibility, they said the way their system works they just ca n't remove the full fee, even though eventually they did it. Again, we established that my account was now setup to pay on XXXX XXXX, all fees were removed, and everything was supposed to be fine. Then a few days later they started declining my card and wo n't let me make any purchases until I pay the balance. I was willing to do that all along, but now, after agreeing several times over the month that I would pay XXXX XXXX and wasting SO MUCH of my time, out of principle I will not pay my account until XXXX XXXX as agreed.
I have continuously disputed information with equifax and although the accounts are not mine they continue to report the information stating they have investigated and verified accounts that I know are not mine I have disputed every month for 1 year starting XX/XX/XXXX until now.XX/XX/XXXX
I had a R.E.S.P.A. sent out through a third party using certified mail to the servicing company and asked that if they are not the proper person to answer the request that they please forward to the correct party and inform me. I also sent a letter certified mail, informing the Trustee company that I had sent out a qualified R.E.S.P.A. I have not gotten the proper responce with the information that I requested. While I do not wish to avoid settlement of any lawful debt, it is both my duty and right to insure the proper party and the accuracy of the debt. While I was XXXX, I was in good standing with my mortgage. After collecting information from my wife, we were told that I qualified for a loan modification. When I found that the process they were going to use was to first get me in a default status, my wife requested that we just go back to the terms of the original loan. From that point, no matter what I did, the loan was never back in good standings. I am requesting the information because I want to keep my home. The only letter I have received from the company in regards to the R.E.S.P.A. is a letter acknowledging that they have received my request. That was sent to an old address that arrived a month or more after they sent it out in XX/XX/2017 and did not include anything I requested nor was it to the third party address as I requested. I requested that they stop the foreclosure process until this is resolved and they still threaten to foreclose soon. They have ignored my rights under SCRA as an XXXX soldier with this process they have taken to foreclose on my families home.
When I moved since I 'm XXXX and could n't take care of myself XXXX got it to where I could move out early I lost my pay and would n't be able to pay then after I move a year later they change mind and want all this money
On XXXX XXXX XXXX, a charge for {$430.00} appeared on my checking account from XXXX. I contacted Citibank that day to initiate fraud charges. As of XXXX XXXX, XXXX, Citibank has not resolved this issue. I have made XXXX separate phone calls to them, and faxed them twice. ( Although I first lodged the complaint XXXX/XXXX/XXXX, I was not told to fax a written statement until XXXX/XXXX/XXXX. ) Citibank representatives constantly reference their attempts to call me, though my phone shows no missed calls, and no messages were ever left.
PNC Bank N.A . ( PNC ) has a program called " XXXX XXXX '' where PNC demand account holders can transfer funds from their account to another PNC account holder. I transferred {$1000.00} on XXXX/XXXX/2016 to my girlfriend XXXX XXXX into her PNC checking account to pay her mortgage. The funds were debited from my account on XXXX/XXXX/2016. 

I called PNC today XXXX/XXXX/2016 to find out why the funds had not been deposited into XXXX account, and PNC stated that the funds would not be in her account until XXXX/XXXX/2016. This is six days from the day that the funds were debited from my account. Therefore, these funds were not available for her to pay her mortgage. 

PNC states that " XXXX '' funds transfer will take at most three days. 

Because we acted in reliance of this transfer being completed on a timely basis, we were left in a worse situation than if we had used the " XXXX XXXX '' service.