WillisBack/dataset-financial-user-claim huggingface dataset:
I am filing this complaint against NAVIENT student loan servicing company. It appears to me that they are in violation of their obligation to provide their borrowers with information pertinent to the administration of their accounts. On XXXX XXXX 2017, I called NAVIENT and spoke with 6 different people ; had my call dropped twice and re-routed to a survey gauging my customer satisfaction ; and was yelled at by a customer representative before I finally ended a 90 minute international call, all while being stonewalled and aggressed -- ultimately accepting defeat. <P/>My query was simple : do I qualify for an interest rate reduction, and if not, why not. <P/>After 7+ years of making regular payments and having a credit score in the upper 10th percentile, I was told I did not qualify but that they could provide me with was no reason for this disqualification. Customer Representative ( CR ) XXXX speculated it was because of my loan type, but could not specify what loan types I possessed, CR XXXX opined it was because of my personal eligibility, but could not specify what personal criteria applied. All assertions made by NAVIENT staff were pure conjecture. <P/>I persisted, asking to speak with someone who would be able to provide such information. With every phone transfer up the food chain, I asked repeatedly if there were eligibility criteria that I could access, to which I was told that this information is not available to me. This stonewalling alone would have been altogether deflating in and of itself. However, things digressed rapidly when I was then put in touch with CR XXXX, XXXX, who said that she knew what the eligibility criteria was but then said that she could not and did not want to share them with me- she vacillated between could and would. <P/>I was perplexed by the withholding of such information. NAVIENT is a multi-billion dollar business that thrives off of charging usurious interest rates on students for the duration of their lifetimesbut to add insult to injury, they treat you like they did you a favor. After XXXX withheld the information, she then raised her voice a number of times, and ultimately hung up without so much as a goodbye. <P/>NAVIENT represents student loan predation at its worst : it has no accountability to the clients it allegedly serves, and, furthermore, is hostile towards them while taking their money. It is not surprising then that NAVIENT has been named the most complained against loan provider in America across myriad credible publications in 2017 and is being sued by the Consumer Financial Protection Bureau ( CFPB ). Predatory companies like NAVIENT need to be stopped. I sincerely hope that I receive a response to the specifics of my complaint. I value the work that the CFPB conducts in protecting consumers and their confidence in our economic system.
This complaint involves a  XXXX   XXXX  card with  XXXX   XXXX  or  XXXX   XXXX . I made timely payments online and paid off the remaining balance. However, beginning on  XXXX     2015, I ha ve allegedly missed payments until today. Like other customers, I made my payments online. I have never received any paper bills, electronic statements, or email confirmation of my payments. I have also never received any communications alleging that I have an outstanding balance or that my account is past due. I have had other  XXXX   XXXX  and   XXXX   cards in the past and successfully paid them off.
COMMONWEALTH FINANCIAL SYSTEMS placed me in collections with no notice, letter, or phone call on XX/XX/XXXX for a medical debt that someone opened under my behalf in XX/XX/XXXX. This debt did not belong to me and I provided the company with the fraud affidavit and they removed the Collection from my credit report and closed the account. I spoke to a representative from the company in early XX/XX/XXXX which also confirmed this. This company is now criminally diminishing my credit after they were given all the documents needed and after they agreed to close the fraudulent Account. I now want consumer finance to step in and the Federal government to investigate this company. There is misconduct going on here.
My  XXXX  credit bureau was pulled by  XXXX  on  X/X/16   . I do not recognize this company and have been the victim of identity theft. I asked they provide a copy of my drivers license to prove it was me requesting credit to which they refused to provide.
Equifax security breach potentially exposed my credit information according to equifaxsecurity2017.com
XXXX, XXXX and XXXX  inacurrate information caused me to put a id theft report with ftc now none of the bank wil do business with me b/c i filed against thme fair lending act.. XXXX, XXXX XXXX XXXX , XXXX, i could go one for day how is that rithg b/c i have XXXX job and about 720 credit on all three and 8 paid off auto loans
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft, CFPB please remove the accounts asap XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, Chapter XXXX Bankruptcy XXXX
1 ) On XXXX/XXXX/2016 I experienced ID theft ( see # 1 ). Several contacted me to make sure I had intended to open new credit cards, and I said no. However, on XXXX Capital One Bank did not contacted e and opened a credit card in my name ( see # 2 ). 
2 ) If this complaint can also address an unsolved case, this tie in relation to a fraudulent mortgage payment that still, as of XXXX XXXX, 2016 still has not been removed from my mortgage bill ( see cases XXXX, XXXX and # 3 )
I have disputed this account 2 times since XXXX and they keep telling me that it is verified but not showing me what they have on file to verify this when I can't even get the creditor to verify this account
XX/XX/XXXX To Whom It May Concern : On XX/XX/XXXX, we had a pipe in our master bathroom break. It flooded our master bath, our bedroom, the entry way, dining room and bar area. We called XXXX as our XXXX XXXX XXXX representative suggested. They came out and cleaned up the mess. They billed us for {$3200.00}. XXXX XXXX cut a check payable to XXXX and Selene Finance ( our mortgage company ). Since then, we have complied with all the requests of document ( which I will attach ) Selene Finance has asked for. They continually, lost, or misplaced docs and we had to resend them. XXXX also had to submit documents multiple times. After sending the docs they requested, they always then tell us that they need something else to release the funds to XXXX. Selene Finance refused the lien release that XXXX sent, and insisted on having their form instead. Each time we submitted additional documents, they had to go to a review panel, taking over a week to see if they would accept them. They even sent our an inspector to verify that all the mitigation work was complete. Finally, they admitted that they had everything they needed and we were to have XXXX send in the check. They did, but Selene Finance called me saying they were returning the check to me because it was not endorsed by XXXX. I told them that they should endorse the check and return it to XXXX since they are the ones that are owed the money. They refused saying it is not their policy to do that. After calling many times, they now say that they are rolling the mitigation into the repair and they will not release funds until 25 % of the work is complete. They state that mitigation is only % 15 of the work. We have not even started rebuilding. And we have a separate check for the rebuild. They are not reasonable. XXXX provided a service for us over 6 months ago. My insurance company paid for the services and our mortgage company is holding us hostage. They are not working in good faith. 

Sincerely, XXXX XXXX
I have requested that well fargo mortgage stop calling me work, company refused to stop the calls. If, my mortgage payment is not received by XX/XX/XXXX, well fargo mortgage starts calling me at work, reminding me of the payment or when can they except the payment. Sometimes calls are recorded message, mostly a live person.
Our issue wi th Ditech beg an in  XX/XX/XXXX . Our mon thly Mortgage payment that is due is {$1000.00}. I always pay a little more each month. Typically {$1100.00} to make it an even number.  <P/> In   XX/XX/XXXX , I  accidently paid our regular mortgage payment to the Home Equity Account that is also on the property Instead of the Mortgage Account in error. I n XX/XX/XXXX  after the  XX/XX/XXXX  we began receiving calls that we did not make our monthly mortgage payment and I discovered my error and Immediately made the payment o n  XX/XX/XXXX  fo {$110 0.00}. This is the amount we were told by the ditech rep over the phone that was due and included late fees.   To insure that this would n't happen again, I started paying our monthly payment early each month. On   XX/XX/XXXX  I p aid {$1100.00} and on   XX/XX/XXXX   I paid {$1100.00} because we received a notice that the amount needed for our monthly escrow account payment had increased. Per our statements, fro m Ditech, the  XX/XX/XXXX  Payment on  XX/XX/XXXX  was not applied to our account. It shows received but was no t applied. Th e XX/XX/XXXX  p ayment was applied to principle, interest and then a huge payment to the escrow account of {$690.00}. Per the escrow account statement/analysis as of   XX/XX/XXXX  it sh ows that the escrow account payment should be {$180.00}. I received a phone call in  XXXX  that we owed {$89.00} in late fees so I paid it right away on  XX/XX/XXXX  not wanting to argue with them further on the phone since everyone I spoke to on the phone claimed everything has been corrected on the account and we owed these funds. The {$89.00} payment was also not applied. To say it has been frustrating is an understatement. Multiple calls a week from  Ditech an d multiple conversations stating that they have already corrected the problem and we need to make more payments.   Moreover,  Ditch 's g ross negligence of our payment appropriation between escrow, principle and interest caused some alarm. I began reviewing our escrow account and payment application since the last escrow adjustment in XX/XX/XXXX . Per th e  XX/XX/XXXX  esc row accounting there was a shortage of {$16.00} each month which increased our payment from {$1000.00} to {$1000.00}. If you look at our statements we have paid more than that amount each month, however, ditech has not applied the escrow account appropriately  ( per their own statements and documents ). At the end of  XX/XX/XXXX  we received another escr ow statement showing that the payments they have been using were {$1000.00} and not the {$1000.00} per the escrow statement we had been sent as of last year. Future monthly payments would be {$1100.00} to make up for the shortage. I reviewed the history of the payments applied to our escrow account from our monthly mortgage payments and much to my chagrin in was extremely inconsistent. Some months they took {$160.00}, then {$160.00}, or {$200.00} and most recently {$690.00} from our monthly payments to apply to our escrow account. I realized that the varying payments to our escrow account each month would affect how our mortgage was being paid off overall.
XX/XX/2018 I sold a XXXX through XXXX XXXX XXXX here in the XXXX XXXX IA. XXXX   XXXX  Check  is through Great Western Bank here in XXXX XXXX IA. He mailed my check to me and I went to Great Western Bank XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX phone # ( XXXX ) XXXX and was told I need to pay a {$5.00} check cashing fee due to I am not a member of their bank. I refuse to let them blatantly steel my money. The check a issued by their bank and I will not pay the fee. I went and talked to the Branch Manger XXXX XXXX and she attempted to lie to me that all financial institutions charge this fee. I told her I will go file a complaint with the Feds and she told me to go ahead. I went to one of my banks and ask them if the same scenario a would happen, would the person be charged and my bank said no. Great Western Bank is a lier and thief. My complaint is filed.
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
My standard finance rate was raised to over 25 % without cause ( they do have an opt out ) I have a perfect credit history and an income level to place me in the top % XXXX of the country. I have had this card for several years and never had any credit or payment problems with me or I with them. 
It is an outrage that someone with an excellent credit history ( Fair Issac typically around XXXX - XXXX ) is placed in such a category, no doubt, for profit alone. Why do people maintain good credit? Why maintain a good credit history is one is to be subjugated to such extremes? What legal authority do they have to do this? Are there not laws that regulate how banks treat citizens for the good of the nation? What do they charge people with bad credit history? 250 %? 
When I was young this was considered usury and was illegal. Many tolerate the XXXX fees today because they have no choice with bad credit but mine is as good as one can get, yet with my excellent credit rating/ history I am treated like pariah at Macy 's . 
Please help. 

Below are relevant info. 
Thank you for your assistance. 
XXXX Name : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX Occupation : XXXX Age XXXX CC rating XXXX Macy 's cc # ( last XXXX ) My husband is writing this letter for me as I am not well at the moment, undergoing XXXX which incapacitates me. This matter concerns me greatly as credit is our way of life and I worked hard on mine all my life. To be raised to such an exorbitant rate is astonishing in this day, in this nation. Is Macy 's based in XXXX ( where they are experiencing insane inflation ). 
I just do n't understand. I worked a=hard all my life, I 'm a professional and yet I am still given the highest rate with no cause. Is this what America has come to, \???
We purchased our home in XXXX with the mortgage originally serviced by XXXX, XXXX and XXXX which was sold to XXXX XXXX XXXX in XXXX - and never reported late by either company. 
With XXXX XXXX XXXX, we were not considered late until the XXXX of the month. We paid no later than the XXXX of each month. 
The mortgage was sold to Selene Finance who has reported us as being 30 days late on multiple occasions. We have attempted to pay within the 15 day window via their website - which regularly throws error messages or logs us out. I 've worked as a XXXX XXXX for more than 10 years and can say without a doubt, it is the most poorly constructed public ecommerce site I have ever encountered. We have called them on several occasions and are told that we are on the same pay schedule as when XXXX XXXX XXXX serviced the loan and to " pay just as we did before ''. 
We receive threatening statements in the mail stating that we owe a " corporate advance '' of {$1000.00} in addition to our regular payment - yet when we log in to selenefinance.com our account appears to be current. 
I am requesting that Selene Finance remove all delinquencies from my credit report and stop mailing threatening statements with erroneous charges.
Here is what happened at Flagstar Bank, XXXX XXXX XXXX, XXXX Branch, MI. 

XX/XX/XXXX -@XXXX XXXX, Submitted a personal check from Chase for {$30000.00} to credit into my Business account. I wanted to transfer the fund to my trading account by next day but I was told that it takes max of 2 days before it can be transferred. 

XX/XX/XXXX - Checked my Flagstar business account balance. It did n't show the credit.

XX/XX/XXXX - Checked again in the morning and afternoon. Did n't show the credit. 
XX/XX/XXXX - Same. Did n't show the credit XX/XX/XXXX - Same. Did n't show the credit. 
XX/XX/XXXX - Checked and did n't see the credit, I got annoyed with the delay. Called the XXXX branch office and enquired about the status with the manager. 
The manager indicated to me that she sent a notification on XX/XX/XXXX stating that the fund transfer would be on hold. Pressing for details, she mentioned that she received an electronic notification from XXXX indicating that the funds transfer would be on hold. I was asking for Bank 's process in clearing local checks and the reason for such abnormal delay. She kept telling that this is normal and it is bank 's process. She asked me to follow-up with XXXX XXXX and bring the " cleared check '' so that she can credit into the Flagstar account. If not, it will be cleared after 6 days, on XX/XX/XXXX. 
Since, I already lost 4 days and needed the funds immediately, I went to chase and asked why my personal check is on hold for clearing. To my surprise, the officer told me that the check was cleared and sent to Flagstar on XX/XX/XXXX itself. XXXX XXXX officer gave me the " cleared check '' and my personal account balance showing that the check amount was debited from my account on XX/XX/XXXX. 
I took the " cleared check '' back to Flagstar bank and the manager credited the amount immediately. Here are my questions ; When the check was cleared by XXXX and sent to Flagstar on XX/XX/XXXX, why this was not credited to my account immediately? 
It is very clear that {$30000.00} was credited to Flagstar on XX/XX/XXXX and they were using the funds for the past 5 days ( XX/XX/XXXX thru XX/XX/XXXX ) without crediting to my bank account. To me this is fraud and as a business owner I lost the opportunity to make {$200000.00} in Day trading using this funds. I also went through lot of emotional distress as the funds were not available immediately. 
Flagstar needs to compensate me for the loss and STOP using customer funds. 
Thanks, XXXX
I took a mortgage in XXXX of XXXX with XXXX and my then husband, for XXXX, the the best of my recollection. In XXXX, we separated, and he remained in the house covered by the mortgage. In XXXX, I had a XXXX Chapter XXXX which included the mortgage. XXXX stopped reporting it to all three credit bureau. Upon very bad advice from a lawyer, I quit-claimed the deed to him without him refinancing the loan. He then modified the loan with XXXX XXXX XXXX, increasing the term to 432 months from 360 months, and the amount to over XXXX from the original terms. I NEVER signed for this increase. XXXX XXXX XXXX, in XXXX, FL, states that they can modifiy the terms of the loan without my signature, and they have started reporting it on my credit report as of XXXX XXXX. The loan is already delinquent ( as of XXXX XXXX, XXXX, due for XXXX XXXX ). XXXX XXXX told me NOT to complain to the credit bureau, I did and Equifax already removed it but the other two have not. XXXX XXXX continues to report and I have been denied for two car loans because of " Excessive Obligations '' because the payment on this loan is {$3600.00} and I have my mortgage of {$1900.00}. The company stubbornly refuses to remove it from my credit report, and I will not be able to get a car loan or any other for the next XXXX years as a result.
The loan payments have not been correctly and accurately reported to the credit bureaus. on XXXX the payments from XXXX XXXX to XXXX XXXX are missing. 
XXXX the payments from XX/XX/XXXX to XX/XX/XXXX are missing XXXX payments from XX/XX/XXXX to XX/XX/XXXX are missing.also the loan was paid off XX/XX/XXXX.on my credit report it is showing a payment made XXXX.
Company was persistent and I told them to not call me anymore. Then one day, I received a call from my mother advising that she was informed about my debt from this debt collector. I do n't believe it was right to release this information, as they informed her about the amount I owed. This was my first issue with the debt collector. 

Then, in good faith I began to have scheduled payments taken out of my bank account every month with them in 2015, then one month I called in advance advising them that I had a new job and since I now would be working with the state, I would be paid monthy instead of biweekly and needed to have a payment date moved. They agreed. However, the amount was still taken out of my account and I received overdraft fees. 

I then, called and asked them to reverse this. And the debt collector said that I never had called. I find this to be unethical. I did everything I could to do the right thing. I had to call my bank and tell them that this was unauthorized.
I feel that I was a victim of discrimination. Around XXXX/XXXX/2014, I purchased a house and was financed by First California Mortgage Company ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Nevada XXXX ). My loan number is # XXXX. First reason why I feel I was discriminated, I feel because we are XXXX, First California Mortgage Company allowed its brokers to charge us higher fees for mortgage loans. Second reason is that I had clearly stated I was giving 15 % of down payment to avoid paying a PMI ( Private Mortgage Insurance ) when I signed the closing documents, they had put 10 % down payment. I called to tell I wanted to give 15 % down and I was convinced by the broker to leave it at 10 % telling me that my PMI would only be {$49.00} a month. I would like to ask if can start an investigation to see if other XXXX or XXXX customers were discriminated by First California Mortgage Company? This company should have recorded conversation when I called the agent to argue the amount of Down Payment. I think First California Mortgage Company only wanted to charge me the PMI of {$49.00} each month reason why they claimed they made the mistake of going with 10 % down and convinced me to leave it like that. I am sure there is more victims like me.
I had a motorcycle lease with Motolease , LLC. I closed the account at the beginning of XXXX. XXXX is still reporting that my account is delinquent. They have reported a delinquent status for the month of XXXX and XXXX. I have spoken with 3 different people who have admitted that there was an error on their part and that it would be fixed on their end. To this point, it has not been fixed. This error has been hurting my credit tremendously and I am not getting any positive feedback from XXXX. I have asked for correspondence to be emailed to me so I could send it to the credit bureaus and they have failed to do so numerous times. I spoke with a supervisor who ensured me that they would send me documentation and each time they have failed to do so. When I did speak with someone, they told me to " just dispute my credit report ''.
I am trying to release my ex wife as a cosignor from my student loans as part of a court ordered divorce decree. I have not missed a payment and do n't plan on missin g one even though they have financially   XXXX   XXXX  . They denied releasing her and  now I am facing contempt of court because they wo n't switch cosignors or release the cosignor even though I have never missed a payment.
XXXX XXXX XXXX. XXXX Texas, is trying to collect money from me that is fraudulent. Opened no new accounts in XX/XX/2018. They say I owe XXXX but I have receive any letters or phone calls from this company telling what this false debt is about. It is currently on my credit rating. Liars. How can they do that with no proof or documentation? Guilty until I prove myself innocent?
I haved lived in thos house for 7 years+. Every year my mortgage goes up and XXXX Mortgage says its because of escrow. When we moved in the payment was 570.00 dollars and has went up like five or ten dollars every year. We get letter this year it has went up to XXXX when will it stop? we almost cant afford the increase!
My medical bill at XXXX XXXX Hospital was paid to the caregiver by my insurer but the hospital mistakenly reported the bill as unpaid and sent it to collections at Gold Key Credit, who refuse to remove this incorrect information.