WillisBack/dataset-financial-user-claim huggingface dataset:
I took out a {$10000.00} student loan from XXXX in XX/XX/XXXX. I finished school in spring XX/XX/XXXX. After I graduated, I was unable to find a job to begin making payment on the loan. After being harassed starting 3 months after I graduated, the loan was finally defaulted on after a few months. Eventually after finding a job, I still was unable to make payments, but the loan had been handed over to navient. The company was unwilling to do any type of forbearance or deferment to help reduce the payments. Currently, I 've tried again to help fix the issue but I 'm completely unable to even speak with anyone from navient. I 'm automatically transferred to a 3rd party for collection. The collection agency offers settlement options that are competent unrealistic. They offer me a settlement ranging from $ XXXX {$8000.00} or a payment plan to reduce to the interest rate. As they said he current interest rate, the monthly payment would go only to interest and never touch the principal balance. The issue with the payment reduction plan is that it requires too much month up front ranging from $ XXXX {$2000.00} and then followed by monthly payments that are unaffordable. I just want to clear up this debt or get help with repayment from NAVIENT because the 3rd party collection agency ca n't even negotiate the terms of the settlement. No one would benefit. But on the other side NAVIENT is completely unwilling to communicate with me to discuss options. And they still currently service the loan.
I have been unable to make payments exceeding the minimum required payment amount since taking out the loan. The minimum payment insures I will pay massive amounts of interest to XXXX. I would like to pay down/off the balance of the loan but have been unable to do so. 

There are no links on their website ( desktop or mobile ) to make a payment. The link to make a payment on their mobile app is broken and says " payments are not available at this time ''. I've emailed them twice now, once in early late XX/XX/XXXX and again on XX/XX/2018. I've tried calling multiple times to setup a payment and or ask about their " broken '' wesbite/app features, but I have never been able to get a hold of a an actual person. 

The way everything is with their website, app, and non-existent phone reps it seems like they almost don't want the principal amount paid down ...
During the last week in XXXX, I contacted company servicing my mortgage, XXXX of Virginia XXXX, VA, to discuss my payoff payment and upcoming real estate taxes. 
My final mortgage payment was due on XXXX XXXX and my real estate taxes were due on XXXX XXXX. My fear was that by paying off the mortgage, the company would no longer pay escrow items, despite having collected escrow over the past year. My escrow information page on the company 's website showed a projected dispersal in XXXX for the taxes, but I wanted confirmation. The associate confirmed that my real estate taxes would be paid in XXXX. 
On XXXX XXXX, I checked their website and found that my real estate taxes had not been paid in XXXX as both indicated on their website and confirmed by phone. I spoke to a XXXX, XXXX XXXX ID XXXX XXXX who told me that because my loan had been paid off that the company would no longer pay escrow items. I explained that was in conflict with what I had been told the previous week, but he could n't explain it as " everyone '' knew that once a loan was paid off, they essentially stopped servicing it. He said that he would have the XXXX department issue the escrow funds so I could pay my real estate taxes that were due on the XXXX. 
On XXXX XXXX, I checked and my escrow account still had the same funds in it. I called and talked to a different XXXX, XXXX XXXX ID XXXX XXXX who could n't explain either why my taxes were n't paid in XXXX or why my escrow had n't been released as I was told. She said she understood the pending taxes and told me that she would have my escrow released and overnighted to me so that I could have the funds on the XXXX. 
This evening, XXXX XXXX, with no expedited mail received, I checked my online account information again and the escrow funds have not been released. My taxes are now overdue and when I 've called this evening, all XXXX are unavailable. 
I 'm requesting assistance in freeing up my escrow funds to pay my now overdue real estate taxes. A quick internet search shows that others have experienced similar issues with this company paying escrow items. 
Thanks in advance, XXXX XXXX
I took out two loans with XXXX back in XXXX when I attended XXXX Community College in XXXX, FL. I am XXXX school now and suddenly these loans have come into repayment. I called Navient, and they told me that I 've run out of time to not make payments and must make take a forebearance, pay {$100.00} to clear the past due and now start making payments each month. I paid {$150.00} for XX/XX/XXXX and now they say I owe {$160.00} for XX/XX/XXXX. 

I looked at the loan information and it says that the loans were disbursed XX/XX/XXXX and XX/XX/XXXX, both of which is a lie. I was attending the XXXX in XXXX and was taking federal loans at that time, so no private loan would have have been needed. 

Further more, when I talked to their customer service, they said I had no income based plans available to me and must start making payments immediately, even though I am still in school. Then I see that the government is suing Navient for misleading it 's customers so I 'm filing this official complaint to see what can be done.
In the attachment, XXXX credit bureau has incorrect information. I have never had an account at XXXX. 

Why is this account ( for which I have never had ) appearing on my credit in XXXX, when the debt is zero and the original ( inaccurate ) report is listed as XXXX? Can you please work with Transunion to remove this from my credit? 
Thank you, XXXX XXXX The company responded with a non-answer. I want the company to actually RESPOND with real information before I get a lawyer. Why is the XXXX EVENT on my credit, and I dispute the initial validity of the XXXX event.
This AFNI Inc Account does not belong to me. AFNI Inc informed me that this account was charged off my XXXX in XX/XX/2008. AFNI Inc has not provided any documents in regards to this Account.Please ask AFNI Inc to remove this account from my credit reports as this account is almost 9 years from the date of the charge and this account does not belong to me.
I reached an agreement with Universal Acceptance Corporation to settle my account for {$1000.00}, which, I paid with my XXXX XXXX XXXX debit card. I want UAC to send me a letter of confirmation and the release of lien document.
I have been in contact with Chrysler Capital on a recent truck lease that was just turned in and I was sent a bill in the mail stating I owed money for damages that I did get fixed. Here is the timeline of events : -Hail damage to the truck occurred in XXXX 2015-Claim with my insurance was filed for the damage before XX/XX/XXXX15-I called Chrysler Capital to set up the turn-in inspection and they said I needed to have the inspection done prior to getting the hail repairs completed. 
-Chrysler Capital person came to my house for inspection on XXXX/XXXX/15 and estimated damage of {$1500.00} needed to be fixed prior to turn-in of the lease. 
-Truck was then taken in to XXXX XXXX XXXX XXXX MN for repairs done on XXXX/XXXX/15 ( shop was recommended by the Chrysler dealership ). Actual cost of damage was {$3500.00}. 
-Repairs were completed and I paid my insurance claim deductible. 
-Truck was taken to XXXX XXXX MN Chrysler dealership on XXXX/XXXX/15 and turned-in. No damage was noted at turn-in and everything seemed to be OK. 
-A few weeks later a bill was sent to me from Chrysler Capital in the exact same amount of {$1500.00} that was originally estimated as the damage. 
-I called Chrysler Capital assuming this was just an error as the repairs were completed. They stated I needed to send proof of the repair for review. 
-Documented detailed proof of repair from XXXX was provided to Chrysler Capital for review and removal from final bill. 
-Chrysler Capital reviewed and is saying the damage was still present and the repair was " subpar '' at the time it was released to auction. 
-I requested what exactly was subpar and they could not tell me exact areas that were not fixed and say I still owe the money. They have not shown any documentation to me on what was supposedly wrong, yet they say I owe them the money. 

This is not true as I know the hail was fixed - repairs that were done were actually double of the original from the Chrysler inspector estimate. This is not fair that they are holding me liable for these charges since I did in fact get the damage fixed. I do not want this to hurt my credit, but I am not paying for something that was already fixed prior to returning the truck. 

Please help!
The United States Bankruptcy XXXX failed to report payments to the three ( 3 ) credit bureaus from the Chapter XXXX Bankruptcy case in which there were payroll deductions made by XXXX XXXX XXXX as well as payments made prior to and after with a money order in the amount of $ XXXX a month.
In a previously issued complaint, XXXX, XXXX XXXX XXXX only provided information to falsely support 1 loan the collected on. But failed to confirm that they are still illegally garnishing me for XXXX more loans. Despite the fact the company they are collecting for, XXXX XXXX XXXX, was ordered to stop all collections. They also did not correctly address how they improperly served me.
My mortgage was sold to Green Tree Services LLC/now Ditech in 2014. Since then my monthly mortgage payments that I make on a timely basis have not been applied correctly, they have been misappropriated into a " Funds In Suspense Balance account ''. Because the funds are not applied correctly, I receive multiple harassing phone calls from Ditech on a daily basis to bring my account current. When I speak to the representatives that call me, they scream, holler and belittle me. When I try to contact someone at Ditech ( each week they give you a new account manager and they have no idea who you talked to previously or what the problem is with your account so you have to start all over again and explain to them what the problem is ), you are put on hold for long periods of time, directed to someone 's voicemail who has no idea what is going on with your account, and disconnected. My account is current and paid up to date yet notices have been put on the door of my property from a company called XXXX XXXX XXXX XXXX that is contracted out by Ditech to check on " their property '' to make sure it is being maintained. No legitimate mortgage company takes these kind of actions to ensure that they get their monthly payments.
I have not been receiving rewards certificates for my best buy ( citibank credit card. ) I received a {$5.00} certificate that was reissued yesterday. I called their customer service number to find out what was going on. I have {$50.00} worth of reward certificates on my account, but their computer system says they were sent out so they can not be re-issued. I have checked every email account and can not find record of any emails with the reward certificates. I did find one for {$20.00} in XX/XX/XXXX.

I spoke with one gentleman before asking to speak to his supervisor ( who did not know what a supervisor was ). I spoke with XXXX ( Case ID XXXX ) today XX/XX/XXXX the entire call was from XXXX to XXXX XXXX ( CST ). I was told it was recorded.

No matter what question I asked, I was given a scripted response.

What is the point of having a rewards program when I can't used rewards points I was earning. I was specifically using my credit card to earn certificates to purchase a computer with Best Buy.
I have a USBank XXXX XXXX XXXX XXXX card. I have had this particular card since XXXX. I have had my USBank account since XXXX. I use this XXXX card for both personal and business expenses and I pay {$49.00}. Recently, XX/XX/XXXX, I noticed XXXX reduced my points by XXXX points. I called them ( XXXX XXXX ) and discussed that the points NEVER expire. I was told I was wrong but the lady would request they give me back the deducted missing points. I waited several weeks but nothing happened. I went to the issuing back, USBank XXXX, MN ( XXXX blocks from my home ) and asked for help. Again, at the beginning of the conversation, it looked positive. The account manager called XXXX and they offered me XXXX points. I told them it was a slap in the face ... that is only +2 % of the XXXX they took from me. The manger called back and asked to speak to a supervisor... she offer XXXX but is was in the form of some kind of gift. I told her I want the points and not a small " gift ''. 

Can you help me?
Sold the House at XXXX XXXX XXXX, XXXX, NC, XXXX as short sale. MY name and my wife 's name on the house. Nationstar Mortgage approved the last offer after they denied two offers before. 
After the process of the short sale completed, Nationstar Mortgage ( XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ) issued two XXXX form for year XXXX, one for me and one for my wife with {$22000.00} each. 
MY tax accountant used both forms Total of {$44000.00} as income with our income tax for year XXXX, which effected on our refund amount. 
I have called Nationstar Mortgage to discuss those two forms because the amount of {$44000.00} is too high. They mentioned they have lost only {$22000.00} because of the short sale. I have asked them to send me a new XXXX with my name and my wife name with total amount of {$22000.00} because we file joint income tax or send me two XXXX one for me and one for my wife with {$11000.00} each ( $ XXXX ). Also asked them to send me itemize document to show how they lost {$22000.00} I have called them three times until now I have not received any response from them. 
I have attached some documents for your record. 
I appreciate your help to get them fix this issue.
Equifax has on XX/XX/XXXX that I have a too many delinquent past or present mortgage credit obligations as I have not had any mortgage since XXXX in which is in litigation and there is or any money owed to mortgage or after the Foreclosed the property was sold for more than I paid so there is no negative money owed and there are not any more present or past mortgage debt owed. Also Equifax has yet to mail out any updated report.
Consumer reporting agency reported negative information that is more than seven years old. Which is against my rights under the FCRA.
XXXX XXXX $ {$990.00} ( police report made, person arrested and charged ) XXXX XXXX wouldn't and didn't refund my money ... This was my whole check ... Reason. Didn't have enough evidence.. I had nothing ... This whole month. I tried repeatedly reopening dispute. To be denied ... I sent in police report ... They didn't lifted a finger to look into it ... XX/XX/XXXX ATM withdrawal {$500.00} XXXX XXXX card no money dispenced,,, XX/XX/XXXX disputed,, paperwork sent in,, them won't even give profelice credit. XX/XX/XXXX {$990.00} DISAPPEARED. I disputed didn't have XXXX.. I'm tied I live on my check ... I'm on XXXX.. XXXX XXXX XXXX  XXXX,, XXXX XXXX issues,, and XXXX survivor,, I'm in a chair,, I've contacted XXXX XXXX on all these,, to customer service it takes hours to get thru to, if you do,, and level two even harder your lucky if you do,, no number r address to these investigators. My x has made it inpossable for me to even get a regular bank account, direct XXXX is a nightmare,, and my money keeps going,, I'm crying still on twice I lost my whole check I had nothing,, but I did the questionnaire they sent me and even went and talked to vendors,, I need help,, please. XXXX XXXX {$500.00} no cash dispenced ATM withdrawal I'm presently in dispute with XXXX XXXX .. someone HELP,, IM LOST TO KNOWLEDGE OF WHAT TO DO.. WHY DOESN'T SOCIAL SECURITY, ,I KNOWING THEY ARE IN KNOWLEDGE OF PEOPLE LOSING WITH XXXX XXXX/COMERICA BANK ISN'T HELPING US,, WHY ARE THEY KEEPING THIS COMPANY,, WHO KEEPS ON TAKING FROM US?
I obtained a few student loans through the XXXX XXXX XXXX/XXXX  and am very grateful for it. However, around XXXX of 2013 and before, my understanding, was that my loans were in deferment ( 2 student loans on XXXX2013 reported 90 days late ). It has just come to my attention that it is and has been reporting as 90 days late. If I knew about this earlier, or IBR, then this issue would have never occurred. I am wondering if XXXX XXXX XXXX/XXXX would be kind enough to remove this 90 day late from both XXXX XXXX XXXX/XXXX Accounts, as it 's really hurting my credit score, and hindering my attempt of being a home-owner one day. I have made my payments current for about 2-3 years or so, and I hope that would be taken into account.
Portfolio Recovery/ fraudulently reported a dispute on my credit report for a {$600.00} collection. This is shows as a revolving credit which was paid in full over a year ago. The dispute was finally removed after 4 months. However, my home loan is being denied 10 days before closing because Portfolio Recovery/XXXX is refusing to delete the inquiry off my report. I am about to lose my home loan all because a {$600.00} collection was fraudulently disputed and effected my credit. If it had n't been disputed and the dispute recently removed, I would be approved for my home loan.
Purchased a used car from XXXX in XXXX, on XXXX We ( my partner and I ) were very stern that we did not want to spend more then XXXX. We were told the car would be XXXX. We gave them XXXX down. When we got the first payment the total we owed was XXXX. IS THIS POSSIBLE. Are taxes that much, how is interest compounded, i do n't understand how we owe this much, in addition there have been warrantee and recall problems that they have not taken care of. 
XXXX, recently I have been paying the payment, plus extra on the principle. I have tried to figure out how they are calculating this, I have put in every combination of numbers, but it seems it is always about XXXX dollars in their favor. I think they are ripping me off, and they have no one to call that I can talk with. When you go in there this is what they say " you should just buy a new car, get rid of this XXXX ... .blah blah blah '' I am so sick of this company.
I disputed inaccuracies in my consumer report with Transunion and I received a notice back that the errors were not corrected. I have no current contract with  XXXX   XXXX ,  XXXX   XXXX    XXXX   XXXX  ,  XXXX ,  XXXX   XXXX  or  XXXX   XXXX  Credit Card. I am being damaged financially due to this false information in my report. These accounts have been removed from other bureaus due to not being valid. But Transunion continues to harm my ability to participate in commerce.
USAA complaint is in conjunction with the XXXX XXXX  complaint listed below. I have contacted USAA daily to get this matter resolved. The matter is now in the hands of the executive resolution at USAA who is typically at lunch when trying to get the matter fixed. In the meantime the check for {$14000.00} is sitting is a lockbox at XXXX   and it is not being corrected. I have tried calling both parties and been on the phone for over 10 hours and have a multitude of excuses and promises that this would have been resolved on XX/XX/2018. This has not been resolved and yet again this remains my problem because the bank is not providing the money via a wire or ACH directly to XXXX  to get this money paid and once and for all resolved. This has been over 3 months and continues to be a nightmare that continues to be a problem that I can not overcome as the banks have the power to do anything they want and please. ( lawyers and all the money to fight complaints ) They do not take the complaints seriously as there is no action taken beyond a call to the institution.

XXXX Original complaint The merchant bank XXXX XXXX has advised me that they have closed the complaint. I didnt get the funds and now the bank is stating that it went to XXXX   area at USAA. This was checked into by the bank which stated that they do not have the money. It is of great concern as this is for {$14000.00}. The bank stated that they provided the trace to your organization and that closes the case regardless if I get the funds.

They advised me that this is now resolved per your guidelines and that I will owe the money which I never received due to their error in processing.

This is a serious problem as I didnt get the money and they are going to hurt me and put my account in collections if I don't pay money that is due to back to me.

I was called today and last Friday and the call today was much more aggressive stating that this is now my problem to resolve as it is out of their hands. This is not fair or honest as it was not my error it was theirs. I am reaching out to request that this be reopened and to please have a response that shows that the money was refunded or at least found.

The company stated that the CSFB has no authority to help me the consumer in this matter. I find this not only a problem but a lie based on what it states that the agency does. How can you bill someone money that is not owed? I want to file this as fraudulent or stolen money or possibly money laundering of the institution as they are not helping me.

I look forward to your help. The person who called me is at XXXX XXXX XXXX. They were not only rude but downright demeaning when I asked for this to be corrected.

The {$65.00} dollars was located but the larger transaction is lost! How can this be a issue that is my problem?

The line all of the sudden hung up on me and I am now left at the same spot where I asked for help.

Please help me. XXXX XXXX
My loan was originated XXXX XXXX, 2006 with XXXX XXXX XXXXXXXX Lender. The interest rate at that time was 8.5 % on an adjustable rate mortgage which I expressed was high but the Loan Officer with XXXX Mortgage assured me he would refinance the loan in 6 months to a fixed rate. Well to no avail, I 've been trying since 2006 to get help with this loan because the interest rate is now 11.13 % which is totally ridiculous. This Loan Officer also falsified information on this loan as well. He stated this home was my primary residence which he knew it was n't since I live in XXXX and the home is located in XXXX where my Sister resides and has ownership interest in the home. I simply want the interest rate lowered so the payment is affordable. I 've applied numerous times for a loan modification and been denied for so many different reasons including, it 's not your primary residence, you make too much money, now I 'm unemployed the excuse is my credit score is too low and the income provided is n't enough which was a rental income option Di-Tech suggested and still turned me down. These companies play the paper game and have no intentions of helping the consumer. I have yet to know who the actual note holder is. XXXX XXXX XXXX denies being the owner, as well as Bank XXXX who XXXX said they sold it to. This home is probably worth $ XXXX if that with a monthly payment of almost {$900.00}. I have several entries on my credit report stating I 'm in the arrears over $ XXXX and have a balance of over $ XXXX being reported by Di-Tech and other Loan Servicers in the past. I need help so badly with getting this loan resolved. It 's ruin my credit and caused so much stress. Any help you can offer would be greatly appreciated.
In XX/XX/2016 I received all XXXX credit reports and noticed a collection account by XXXX, collecting for XXXX, stated I owed {$1100.00}. Knowing this did not belong to me I initiated a dipute with all XXXX reporting agencies. XXXX and XXXX removed the account, but TransUnion did not. XXXX will not release any of my records I requested to prove it was mine including signatures and ID. I filed complaint with them also. This is not my account and I want it removed.