WillisBack/dataset-financial-user-claim huggingface dataset:
Consumer bank records to accommodate/justify the claims outlined in this consumer complaint are available upon request. It 's interesting to see the growing number of XXXX XXXX XXXX consumer complaints and negative consumer reviews vs. positive or neutral consumer reviews located at XXXX XXXX XXXXXXXX XXXX when a consumer clicks " View Customer Complaints ( 7 ) ''. My XXXX XXXX XXXX Checking and Savings account was breached AGAIN just last month and I have yet to receive a professional courtesy phone call from XXXX XXXX XXXX 's XXXX regarding ( 1 ) the fair resolution outlined in this consumer complaint and ( 2 ) explain to me why my/XXXX XXXX XXXX member accounts keep getting breached. I have been informed by XXXX XXXX XXXX 's Executive Leadership Team that XXXX XXXX XXXX has gotten too big and CAN NOT manage their account holder/member operations effectively, efficiently and with integrity. As pertains to my specific citizen/civilian/consumer incident, XXXX XXXX XXXX CHOOSES NOT TO cross-check its own/XXXX XXXX XXXX members ' Checking and Savings accounts for available/substantial funds being available for XXXX XXXX XXXX loan payments, BEFORE flagging their own members ' loan payments as " past due '', collecting various fees, conducting professional courtesy phone calls, and reporting loan accounts as " past due '' to major credit reporting agencies. From a non-collusion, consumer-centric and operational integrity perspective, the AVAILABLE FUNDS in a XXXX XXXX XXXX account holder's/member 's XXXX  XXXX XXXX Checking and Savings accounts should be cross-checked by XXXX XXXX XXXX  operations to confirm ( or deny ) that funds are available to pay/pay off a XXXX XXXX XXXX  loan and then followed up on by either an automated or personalized XXXX XXXX XXXX  professional courtesy phone call BEFORE ( 1 ) reporting honest consumer oversight as " past due '' to major reporting agencies ( 2 ) collecting various XXXX XXXX XXXX fees and ( 3 ) damaging a consumer 's immaculate loan payment history for 7 years. Again, I would like a professional courtesy phone call at the number on my XXXX XXXX XXXX account, and a letter sent to the address on my XXXX XXXX XXXX account, from XXXX XXXX XXXX 's CEO, XXXX XXXX, explaining to me, a loyal XXXX XXXX XXXX member for over 10 years, ( 1 ) why she 's endorsing and allowing known operational integrity issues to run rampant under her leadership, ( 2 ) what will be done to resolve what happened to me, and ( 3 ) what will be done to prevent what happened to me from happening to other XXXX XXXX XXXX account holders/members. I will continue to submit formal consumer complaints with any/all financial reporting organizations and agencies that are in the best interests of protecting citizens/civilians and consumers of XXXX XXXX XXXX 's misconduct until XXXX XXXX XXXX 's operational integrity improves and my desired settlement is achieved.
On XXXX XXXX, 2015, QUALITY LOAN SERVICE CORPORATION informed CFPB that " althought the Trustee Sale is set for XXXX XXXX, 2015, their file is on a HOLD per servicer 's request for loss mitigation. '' ( Please see attached Quality Loan 's response on CFPB Portal. ) However, one week thru TODAY, XXXX XXXX, 2015, QUALITY 's website, and that of XXXX via telephone number indicated on Notice of Postponement ( Quality 's Sales Agent ) - still reflect the XXXX XXXX, 2015 Sale Date. ( attached today 's XXXX Sale Status from Quality 's website ). 

Is this subject to consumer protection laws? 

Thank you CFPB for your urgent help.
EOS CCA reached out to me on numerous occasions about a debt to XXXX XXXX. I advised them that the account was involved in some type of fraud and that I was in the process of filing a complaint with the state of New York, but they have continued to call. They have even gone as far to call relatives.
I have tried numerous times to lower my payments to something I can afford with no success and my loan just keeps getting larger and larger every month
TransUnion transferred me five times two five different foreign Representatives that was unable to read unable to help me and continuously one by one they said the same exact line to me and forward me to the next person that said the same line over and over no one was able to help me I have for hard inquiries that I need removed
Been dealing with diversified consultants once again I need them to verify the debt and not with a itemized bill I need something thats bearing my signature and also diversified is not licensed or bonded in the state of Minnesota to collect the debt please verify my signature and not a itemized bill or else I will proceed to take court action.
I have 2 hard pulls from XXXX XXXX XXXX no way. plus the next one was a prequalified that hrrased me for years, then turned me down. 

PLEASE REGARD ME AND REMOVE THESE 2 -- ABSOLUTELY DISGRACEFUL CUSTOMER SERVICE WITH CHASE -- REFUSAL TO ATTEMP HELP
On XXXX, I requested approval for a loan for {$370.00} from big picture loans. I asked a lot of questions initially. I specifically asked if something came up if it would not report to the credit reporting agencies if I defaulted, and I was assured by the loan officer I spoke with that no matter what this type of loan would not report to any agency. I have made a couple of payments, and lost my house to a hurricane last month. I had to switch checking accounts due to unexpected expenses, and today, after missing one payment, bigpictureloans.com sent me a email stating they could proceed with damaging my credit, and saying that the bill is now at a new balance of {$720.00}. 
.I also have no problem paying back what I borrowed, even with some interest. I have no paperwork indicating they could double the loan over a 30 day period. 
The breakdown they sent me reads as follows. 
" principal {$340.00} Interest ; {$320.00} fees {$60.00} Total {$720.00}. 
This situation has me very upset, I want a fair bill, and I can not afford to have this affect my credit, I am trying to become a homeowner relatively soon. 
This exact statement was sent to me today via email.
NPAS, Inc, XXXX, attempted to collect XXXX that was an error of XXXX XXXX XXXX XXXX in that the hospital failed to submit the necessary documentation to the insurer which resulted in the claim being improperly processed. It should be noted that the first bill we received for this amount came directly from NPAS and not the hospital billing department. I contacted NPAS prior to XX/XX/19 and told the rep that this bill was in error and it wasn't owed. I also asked to speak to a supervisor and was told that all five supervisors were busy. I told the rep. to take a message and have a supervisor call me back. I never received a call. On XX/XX/19, I had my wife call NPAS since she's the patient at XXXX XXXX XXXX XXXX being treated for relapsed XXXX. She told the rep. that it was an error and we didn't owe that amount and besides, we had already hit our catastrophic cap before that date of service for that claim. The rep refused to help and told the wife that she would have to dispute it with our insurer ( I am the policy holder ), but there was nothing to dispute. My wife told me what they told her, and I called back the afternoon of XX/XX/19 and once again explained we didn't owe that amount. I also asked the rep if NPAS was a collection agency and the rep denied they were a collections agency and told me that NPAS was an extension of the hospital 's business office. I once again asked to speak to a supervisor and once again, it didn't happen. At this time, neither my wife or I have heard back from anyone at NPAS. I XXXX   NPAS and it indicated that they are indeed a collection agency. So, the rep misrepresented that fact and lied to me. The only contact info I have for NPAS is the phone number XXXX and an address of NPAS, XXXX, XXXX. XXXX XXXX, XXXX KY XXXX. NOTE : I am the husband of the patient and I am filing this complaint on her behalf. I will enter her as the primary on the complaint and me as the secondary on the complaint in the contact info section of this submission.
please i had Fraud Alert on my credit Report and i received Alert email from XXXX XXXX change on transunion by bank of america someone applied for some Credit type and already contact bank of america and complaint and deactivate credit card to replace and change user and password and now i'm asking to remove Unauthorized hard inquiries from my report XXXX XXXX XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX due to Unauthorized and Fraud alert already on my report XXXX XXXX month ago and i already contact them
Citicards XXXX is listing a credit account on my XXXX credit report that is not my account and is a fraud account
In XX/XX/XXXX a fixed term CD was opened with bank of America in which my child support was being held. I was XXXX XXXX XXXX at the time and the maturity date was set for XX/XX/XXXX which would have made me over XXXX XXXX XXXX. I was never notified by my guardians of this account that was solely in my name and someone closed the account other than me. I am holding bank of America responsible for unlawful release of my funds. And would like to file a lawsuit on whomever walked in that day and closed it. On XX/XX/XXXX it had {$12000.00} at a 2.6 % interest compounding monthly.
I have a loans out through XXXX. I have had fraud on my bank account recently I do not want my bank information to anyone. I have told them I revoked my authorization to debit that bank account. They refused to take my account information off. I do not wants fees and overdrafts because they wo n't work anything out with me. I have talked to them numerous times. In the loan agreement they do not state how to unauthorize the debit to my account.
Bank of America has been my lender since 2006. From the inception of the loan I have never had an escrow account and have always paid the taxes and insurance on my house. Recently, Bank of America created an escrow account, deposited two months of mortgage payments into the escrow account, charged me late fees although they acknowledged receipt of the mortgage payments. Despite repeated requests via telephone and mail, Bank of America has refused to credit my mortgage payments for XXXX and XXXX and they have refused to get rid of the escow account although the taxes and insurance are paid. 
I believe BOA created the escrow account because I was out of town for 6 months and the tax bill was mailed while I was out of town. The bank paid the taxes. I reimbursed the bank for taxes together with the XXXX mortgage payment but BOA has refused to get rid of the escrow account. In addition, BOA has refused to credit my account for XXXX mortgage payment and has charged a late fee. Although the taxes and insurance are current and paid, BOA demands a monthly escrow of {$120.00} in addition to the mortgage where one should not exist.
I have sent several letters to Experian advising them that one or more of the Dismissed bankruptcy on my credit file was not authorized ( has no signature ). I contact the United States Bankruptcy court to dispute the information directly and was advised to contact the credit bureaus, which I did on many occasions. ( See enclosed ). 
Each time that I send Experian letter to inquire about the unsigned dismissed bankruptcies on my profile. They send that same standard response. THE INFORMATION HAS BEEN VERIFED. It doesnt say how and who the information was verified with.
To : Consumer Financial Protection Services From : XXXX XXXX On XXXX/XXXX/2016 I disputed an unauthorized charge made on American Express Serve Prepaid Debit card on XXXX/XXXX/2016 through XXXX and XXXX, the charge was for {$630.00}. I contacted my cardholder as soon as I noticed the charge. I was told the investigation process will take up to 45 days and a provisional credit will be applied to my account in 10 business days until a decision was made. On XXXX/XXXX/2016 I first got an email saying my account was suspended then a few minutes later I got an email saying my claim was denied with no reason behind the decision. I called to find out the reason for the decision and was told I violated the terms and conditions of the account. I spoke with XXXX the same day XXXX/XXXX/2016 and was told that they had n't responded to my card provider yet, and to call back at a later date to find out the status. I called XXXX again XXXX/XXXX/2016 and spoke with a supervisor whom explained that they granted the charge back because the seller was n't cooperating and my money had been sent to my card holder ( American Express Serve ) XXXX/XXXX/2016 I was give the run around and told that my account had been closed and that was it with no explanation. I wrote customer relations but have yet to get a response. It took exactly 10 business days for my card holder to reach a decision and XXXX had n't sent anything to my card holder yet. The chargeback was granted XXXX/XXXX/2016 by XXXX because of lack of cooperation from the seller. I am attaching copies of the email 's sent from American Express Serve. I hope this helps and I could get my money back. Thank you
Loan office has some sort of issue with questions about my loan. Every time I ask details I get unclear answers and push to another time. If I email him my questions about the extra payment plan agreed to, I receive vague answers in red & no contact info for said XXXX party servicer ( XXXX ). XXXX who services my mortgage knows nothing about extra payment plan agreed to. My original mortgage is with Resmac, my servicer is XXXX, the third party whom they have the agreement with is XXXX. It 's a whirlwind of confusion. XXXX XXXX XXXX a XXXX Resmac
I have been disputing with Experian since XX/XX/XXXX for every month up until now. The first issue is they keep stating accounts are verified. But the FCRA clearly states that the XXXX system is not the only way the bureau can verify a debt. I have been receiving account verified updates since XX/XX/XXXX-XX/XX/XXXX thats about 8 months worth of disputing. I have yet to receive any paperwork from your bureau stating how it verified any debt. So its safe to say your bureau only used XXXX system meaning your bureau is in clear violation of the law. Additionally XXXX Account # XXXX on the most recent dispute as of XX/XX/XXXX has multiple FCRA & FDCPA violations. Just to name a few loan type is wrong, high balance wrong or not reporting, terms wrong, account balance wrong, original payment wrong or not reporting. 
Also XXXX XXXX Account # XXXX on the most recent dispute as of XX/XX/XXXX Has multiple FCRA & FDCPA violations just to name a few open date wrong, original creditor is wrong, no high balance, original payment wrong, terms wrong, no contact number so how did your bureau verify anything theres more please see attached file. 
Additionally XXXX XXXX Account # XXXX on the most recent dispute Has multiple FCRA & FDCPA violations as well. One of the main ones are Reporting a late pay when collection accounts are close-ended and can not be late ( unlike open-ended credit card accounts ) please review attached file theres plenty more. Remove and delete all accounts listed before your bureau faces serious legal recourse from me. This is unbelievable how your bureau has so many violations.
I have received XXXX denial letters for store credit cards that I did not apply for. The XXXX letter was for a Best Buy credit card and the XXXX Sears.
The following credit inquiries are fraudulent, unauthorized, not mine and from the XXXX XXXX XXXX XXXX XXXX  XXXX  major data breach that occurred on XX/XX/2018 : XXXX  XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX, XX/XX/2018, XXXX, XX/XX/2018, and XXXX XXXX XXXX, XX/XX/2018.
Wakefield and associates is sending me letters saying I owe {$1400.00} and that a 6 % increase will be applied. This is absurd, I don't know who they are except it says a debt collector. I have placed a fraud alert on all 3 credit reports.
Both the credit bureau and the furnisher of information are legally obligated to investigate your dispute. XXXX  XXXX XXXX Reported on XX/XX/XXXX Original Creditor Name XXXX PP L {$1700.00} XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX TransUnion Result : Verified As Accurate and Updated - It looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity. 
Dispute Reason Ownership : I have no knowledge of this account. 
Dispute Results From TransUnion : TransUnion received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. 
If you're not satisfied with these results you can go to TransUnion 's site and submit a Request for Investigation. You'll be able to attach supporting documents to your dispute and ask TransUnion to add an explanatory statement to your credit report. 
When contacting TransUnion, provide your current file number : XXXX. Mail : TransUnion XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Phone : XXXX
This company put a bad collection debt on my credit report. This same debt was deleted from my   XXXX    &amp;   XXXX  report because of false reporting information from a different previous collection agency that placed it as a collection on my credit report. The original creditor (  XXXX  ) doesnt even show on my report anymore because the debt is so old. I never received a debt collection notice from this company because I would have disputed it a lot sooner. This is a bad debt &amp; I want it removed from my  XXXX  report through the dispute I filed with them. They violated FDCPA laws.
I called the collection agency ( AR Resources INC. ) and I told them that I did not have the full amount of {$290.00} that was owed but I wanted to know if I could settle the account for a lesser amount and if so I could pay that amount the same day. The representative told that I could pay {$180.00} and that it would be taken care of and that it would take 30 days to show the collection as paid on my credit report. So I thought that everything was taken care of. When I pulled up my credit report this morning, It showed that I did pay {$180.00} but it also showed that I still owe a balance. According to what the representative said, the debt is supposed to removed because of the payment that I made.
I submitted an investigation request to Equifax and XXXX XXXX on XX/XX/XXXX. They were supposed to respond within 30 days, but they have not.
I had gotten behind on payments my daughter was XXXX injured at XXXX school dance and and requiring XXXX I had to take XXXX with no pay. She eas injued XX/XX/XXXX and her XXXX was XX/XX/XXXX. Ally financial contacted me I spospoke to XXXX at extension XXXX I told when I could pay and said that XX/XX/XXXX was to late since subject to repossession. He asked me how fast does my bank process the check advised next business day after speaking with him I agreed to set up a check on XX/XX/XXXX knowing the bank wo t process till the next Monday due to the holiday. I agreed to bounce a check hoping that it would n't get to my bank again till XX/XX/XXXX. I would not be able to go back to work till XXXX/XXXX/XXXX unless my daughter recovers faster than expected. He advised me to cb @ XX/XX/XXXX to set up the check for XX/XX/XXXX and gave me the direct number for him. Today on XXXX I received a call from ally. She stated my amount and advised that my auto can be repossessed if I do not setup the total amount due today. I advised who I spoke to and when advised I was told to call back on XXXX to set up PMT said that 's not an arrangement. She threatened me with repossession but could not give me the date it would be repossessed. She was rude and threatening. I got scared and hung up the phone. Since my daughter has XXXX and XXXX I actually considered loading this girl in the back seat and moving her to a safe location. She has to have her XXXX removed on XXXX/XXXX/XXXX and ca n't walk to the XXXX. I reconsidered and called back to ally and it was s fight to the finish to get just my account number in which I finally asked for a supervisor in which I was denied by XXXX but she finally have me the account number so I can lodge this complaint. I truly believe that since I have 5 payment left that they want the truck back and would threaten with repossession if you were 16 days late. It 's been a horrific experience.
The Sears-Citi credit card website payment page understates the minimum payment due. For instance, this month my minimum payment was about {$30.00}, but a check of my account statement, downloaded from the site, listed my minimum payment as about {$120.00}. This has been going on for 6 months. As a result, I 've been paying more in interest charges than I would have if the website had not misinformed me that I owed a minimum payment that was some {$100.00} less than I actually owed. 

I attempted to resolve the issue using the website 's chat facility, and the contact did refund my latest month 's interest charges of some {$25.00}, and promised to bring the matter to the attention of the concerned department. I have n't done the math, but it seems likely that underpayments of {$100.00} per month for 6 months would put me a bit more in debt than {$25.00}, as the interest rate is 25.24 %. Before I was overdrawn, no interest was being charged at all, and after becoming overdrawn in XXXX, 2015, the interest charges were $ XXXX- $ XXXX/month, for an average accumulation of about {$150.00}.
Someone was able to use my account and go to various other banking locations such as XXXX XXXX XXXX and XXXX XXXX XXXX and pull funds depleting my account. They depleted about 1500 dollars. I went into the office talked with branch managers and even filed a police report and nothing was done. I ended up having to close my account with this bank. They did absolutely nothing to help me and they didnt even check out my police report
After submitting complaint #  XXXX  against Paypal, that company did NOT address what I complained. I expressed my big dissatisfaction with the response provided by  XXXX   XXXX   XXXX , who also mailed a letter to me with the same text. .CFPB should allow a follow-up instead of closing the complaint as in this case CFPB is not protecting me as a customer of a US company like  Paypal , w hich has thousands of complaints worldwide.   The restrictions to login continue in m y Paypal account and I can not withddraw the balance of   XXXX   XXXX  , for which I feel deeply frustr ated.    XXXX   XXXX   XXXX   XXXX  stated tha t US headquarters  can not assist me, and that is a shameful and evasive " wash my hands '' answer . Paypal emailed me a message in   XXXX   languague stating that they sent me a message inside my Paypal account, however as I have restrictions to login I am unable to read that interna l message!     Here is my feedback posted to CFPB after receiving  Paypals answer : Paypal did NOT solve at all the login problems originating this complaint. Paypal did NOT send me a detailed email response, which I was looking forward to receiving. The only thing Paypal did is to tell me that I have a message inside my account ... which I can not access : - ) so I am unable to read what they say ... I emphasize that I want to be able to login to my Paypal account so Paypal MUST eliminate the login restrictions. I   want to be able to withdraw the   XXXX   XXXX     balance in my account or at least  Paypal should do it but in any case I WANT MY FUNDS! Paypal has thousands of complaints worldwide and the authorities make nothing against their constant abuse! I see that thousands of accountholders have their accounts restricted by Paypal!!     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Paypal treat customers as stupid people  !! I can not bear this situation anymore!! In conclussion, Paypal did NOT address my com plaint!
Purchased a product with 24 months deferred interest. Figured out automatic payments to pay off it 23 months. Did not pay off in 23 months and was not notified of that fact. Charged all of the interest previously accrued at 25 %. Called to see if they would forgive remaining interest and they declined. I should have been notified that date was approaching so full payment could be made.