WillisBack/dataset-financial-user-claim huggingface dataset:
With the change to the chip readers, customers who have chips in their debit cards are n't allowed to use a pin in our chip reader pin pads. In trying to determine why this is, I have learned a few things ... 
I called my bank to ask that I be allowed to opt to use the PIN when making debit card purchases, and the representative with whom I spoke referred to her guidebook and said that it is the terminal that determines how the card is processed. Our processor, XXXX XXXX, says that it is the card that determines this. I believe the latter is the case from what I have experienced firsthand. 
My XXXX, when I activated it, asked that I set a PIN. When I tried using it in the terminal at work, IT PROMPTED ME TO INPUT MY PIN. When I called XXXX XXXX yesterday, I was told that they have not issued Chip and PIN cards in the US, only Chip and Sign cards. When I said that I 'd rather have a PIN to avoid fraud in the first place and make my card truly secure, I was told that Fraud is covered 100 % and not to worry ... How stupid is that? 
My work XXXX cards have chips and I called to ask to set a PIN with both of them. The woman with whom I spoke was happy to help and it took a minute to set the PIN. Trouble is, the cards Chip and Sign cards and the PIN will only work in ATMs, which is n't what my goal was. 
In the meantime, XXXX and XXXX are earning extra fees for running the cards on their networks rather than on the debit networks. The debit companies are losing out, but more importantly, the merchants are suffering most in having to pay higher fees for the transactions. 
So much for the Dodd Frank Wall Street Reforms pertaining to debit cards. 
I plan to call the issuers and demand Chip and Pin cards, but XXXX XXXX did n't seem too interested in my request yesterday. Can you help?
I got a loan with Ally through a XXXX dealer and after a couple months I wanted to send in a extra payment to go towards the PRINCIPAL ONLY so I called and ask how this was done. The rep on the phone told me to make the payment and to call in after it was posted to have it applied to the principal. Which I did and the person on the phone said it was done. I logged into my ally account and they still pull out the interest out of the XXXX sent in. 
I have called 3 separate times and asked to speak to a supervisor ( 2 of those times they said someone would call me back ). Now 3 days later ( still no phone call back ) I called again and finally spoke to a supervisor. Went round and round with someone I could barely understand, he kept saying the same thing. " That is the way we do it '' then asked for an e mail address so I could file a complaint with them. THEY COULD NOT EVEN PROVIDE THAT!!!! 
So now my next payment is not due for another 3+ months because they wo n't take a payment towards the principal! What a joke!!! 
This company is a complete SCAM!!!! 
I will either pay this loan of this week or refinance it.
New billing date and amount.My report should not read late nor past do.New terms, payment due ... XXXX, {$230.00} for 6 months .... Please update report.
Do to a financial hardship I was no longer able to pay my mortgage. I contacted the bank before stopping payments, told them my situation and submitted all documentation that was requested. I then decided that staying in my home was not an option and started discussing a short sale with the bank. the whole process started in XXXX of 2015 ( over a year ago ) and has still not been resolved. I obtained a realtor and attorney to help with the process of working with the bank on the short sale. The bank has been very uncooperative. They refuse to give any information to my attorney or me, keep refusing a short sale for various reasons, and most recently certified my home as vacant even though I am still living here ( I was handed the vacant cert on my front step ). Most recently the bank informed my attorney that the offer on my home was too low and they would not accept the short sale. they refused to provide a counter offer or let us know what the value of the house was ( appraisal had been done in XXXX 2015 by the bank. The foreclosure process was started in XXXX 2015, while we were waiting for the bank to review the first offer I had on my home.
I am homeowner WHO NEED TO SAVE HIS HOME XXXX XXXX XXXX, XXXX A. IS ORIGINAL BANK and i recived UNIFORM FINAL JUDGMENT OF FORECLOSURE AND SALE DATE ON XXXX/XXXX/2016 I beg you to help with canceling foreclosure sale on XXXX/XXXX/2016, i am willing to do any loan modification, mediation, loss mitigatin, please help me and our family to save our home.Bank XXXX sold loan to XXXX end i just find out that XXXX sold this loan to Nationstar loan # XXXX i wasnt notified, i need to do loan modification ASAP and Nationstar only intersted to foreclose, they dont give a chance to do loan modificatin, i just got statement where they charge me for legal fee XXXX, property inspection XXXX $ title lien search XXXX XXXX prior lender expense XXXX XXXX escrow XXXX $ they just purchased this loan from XXXX and now FRAUDULENLY Creating chages out of knowere and want to sell my house.MY family beg to stop this FRAUD.WE willing to do loan modi need to keep roof over heads As homeowner in danger of Foreclosure sale on XXXX/XXXX/2016 my mortgage bank was XXXX XXXX XXXX, i was late on payments, So bank XXXX XXXX was trying to foreclose on me, But i didnt got no Mediaton hearin no loan modification, so later i realized that loan was transfered to XXXX and just now XXXX transfered this loan to Nationstar, but Because Of Bank XXXX XXXX was my bank I am covered by National Mortgage Setlement, Nationstar doesnt give me option to do loan modification and only proceeding towards Foreclosure sale which violates National Mortgage Setlement Agreement, Fraudulently under Consumer Financial Protection Bureau CFPB Rules for Servicing Loans in Default, Nationstar violated almost all rules in book and like loanshark they interest only in getting house and going in foreclosure sale. Government through you gave us last chance, last hope ... Please Help us to save HOME Open to all loan modification willing to work any- ANY possible scenario.this bank chargeXXXX,XXXXlega As homeowner in danger of Foreclosure sale on XXXX/XXXX/2016 my mortgage bank was Bank XXXX XXXX XXXX i was late on payments, So bank XXXX XXXX was trying to foreclose on me, But i didnt got no Mediaton hearin no loan modification, so later i realized that loan was transfered to XXXX and just now XXXX transfered this loan to Nationstar, but Because Of Bank XXXX XXXX was my bank I am covered by National Mortgage Setlement, Nationstar doesnt give me option to do loan modification and only proceeding towards Foreclosure sale which violates National Mortgage Setlement Agreement, Fraudulently under Consumer Financial Protection Bureau CFPB Rules for Servicing Loans in Default, Nationstar violated almost all rules in book and like loanshark they interest only in getting house and going in foreclosure sale. Government through you gave us last chance, last hope ... Please Help us to save HOME Open to all loan modification willing to work any- ANY possible scenario.this bank chargeXXXX,XXXXlega
I contacted this company XXXX XXXX several times in attempt to complain about sales lady I am XXXX and XXXX I believe the lady knew it and took full advantage of me. She opened a credit card with a XXXX limit then said i needed to buy more stuff without having a parent who takes care of me there I was sold into XXXX worth of merchandise including mens XXXX XXXX sunglasses perfume a wallet and gym pants. When i returned to the store to return them after I had took my medicine they would not let me return the items. I am now having and looking into bankruptcy. I was only making XXXX on XXXX XXXX a year and they qualified me for XXXX limit more than I make in a month
I received a call from a company in California called XXXX XXXX XXXX who said that they had submitted paperwork to take me to court for litigation on an old bank account from US bank from like XXXX or XXXX, I did n't even know about this account til the company said something because I was never sent the information pertaining to it file # XXXX and then they said the consumer finance protection bureau had filed a complaint against me as well but I never received any notification from you guys or US Bank claiming fraud, I thought that once something was n't on credit report could n't use it again
On XX/XX/XXXX I called in to make payment iao of XXXX the rep at the time didnt inform me that part of the payment would be applied towards fees and not the actual payment it caused me to get further behind every one there at first investors states there is nothing they can do and I believe that is a lie
Subject : Follow up information regarding Treasure Offset Program ( TOP ) Reference number : XXXX I had filed a complaint in regards to XXXX XXXX XXXX XXXX XXXX ( XXXX ) and a third party collection agency Transworld Systems , Inc. 

I filed my complaint on the following basis. 
1. Did XXXX sent me a letter in regards to Treasury Offset ( TOP ) 2. Transworld never advised per letter that they will collect on debt 3. Transworld added further fees to benefit themselves at my expense. 
4. Any attempt to contact XXXX to re solve this matter was not accomplished. 
XXXX  refused to assist on resolving my concerns with the excuse by customer service that I was fully aware of a debt. 
5. Attempt to communicate with Transworld was with excuses to collect and I spoke to a supervisor that refuse to assist in resolving the matter any further. I was treated unfairly and with disrespect. 
Soon after I filed my complaint with the FTC consumer complaint ( XX/XX/XXXX ) the following occurred. 

Consumer Financial Protection Bureau, provided me copies of Transworld debt collection ( itemized ) they continue by saying of Federal laws protecting my rights but my rights were not protected why I tried to resolve this matter before my complaints. Secondly, all documents received by CFPB and attached to me on the resolution could not be read. Why CFPB did not notice this matter. 

XXXX, then proceeded to send me documents of the same attachment. XXXX  sent statements and a letter in small font ( required magnifying glass to read ) and if I had concerns of my right to communicate this with XXXX, again prior to my complaint, I called XXXX trying to resolve this matter and they continue to say you know you had a debt! Why call if they will not listen to me and try to get this matter without a third party collection. 

The problem, I read per XXXX  letter provided by Transworld XX/XX/XXXX XXXX  : if you do not pay your debt or take other actions described below within 60 days from the date of this Letter. ( XXXX XX/XX/XXXX ) 60 days from XX/XX/XXXX is the first week of XX/XX/XXXX. The agreement has been violated and the law broken. Both XXXX and Transworld has conspired to insure my Federal Tax Refund is taken away regardless of the agreement set forth in XXXX  letters. 

My Federal Tax refund dated for XX/XX/XXXX of {$540.00} was taken away from me. 

I am aware of the TOP law since I work for an agency that handles this type of collection. We advise of the 60 day rule and collection will not be prior to the 60 days.
I have been a customer of Wells Fargo for over 10 years, I make my payments via telephone and in the last 6 months the process to use the telephone keeps sending me to a customer service rep., which take a tremendous amount of time. I have asked multiple time why this keeps happening and to no avail. Each time I am told that it was corrected and that they are proud of their work and assure me the problem has been corrected. Each month the same issue reoccurs. I have escalated this to be reviewed by Wells Fargo Executive Office complaint for review to zero satisfaction as they have not provided an answer for a single question I have as to why and they continue to be condescending and indignity. They have now created a case stating that I am not satisfied with their customer service to completely avoid answering the question as to why repeatedly I keep being forwarded to a customer service rep when making a telephonic payment. I have been passed around by the following people who tell me they are not the right person to speak. This run around has occurred for over 36 hours on the telephone. I was told that a ( XXXX ) had resolved my complaint, never spoke with anyone-complete fabrication ) and as of XX/XX/2018 the issue is still not resolved. 
I have had telephone contact with the following people in the Exec Office Complaint Review ( XXXX, XXXX, XXXX, XXXX, and lastly XXXX who was very condescending and passive aggressive and refused on 9 separate times to provide me with her supervisors name only stating that she reports to the Executive Office, and that by provide that as an answer she was responding to my question. ( very passive aggressive ) they provided fast talk, avoidance and no response to my question and when I stated that I would be filing with the CFPB I was informed that I should not be making threats. So I am immediately filing this complaint to follow through that it is not a threat only a promise to obtain a resolution to this issue that they refuse to provide.

In total I have spent 36 hrs to this point, just trying to get a satisfactory resolution, to no avail. I DO NOT WISH to have any of these listed Wells Fargo personnel to assist me as I can not afford the time or have the luxury to spend any more time on this matter which appears that is what they are hoping for.. Please help me obtain competent personal that can correct this matter and not just provide rhetoric and no resolution.
There is inaccurate information reporting to my credit report for late payments and charge offs from XXXX XXXX for PayPal, XXXX, Gap and XXXX XXXX Acccounts. These accounts are fraudulent. I have disputed multiples times and asked for verification documents to no avail. 

Dispute Dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
XXXX decided to run hard inquiries on my credit report for 3 consecutive days, totaling close to 17 hard inquiry hits on my report, causing my report to decline drastically. By almost a 100 points. I never gave them written permission to run my report. I only gave them written permission to run my credit one time through the XXXX Website that I already had 5.9 % financing through. Then I bought the car for XXXX $ US dollars, and 8 months later they claim it is only worth XXXX $ even though the car was brand new under factory warranty. Which they don't warranty nothing. They are price fixing, gouging, and currently breaking Anti-trust Federal Regulations. I will be suing them in court to have this removed from my credit score.
My previous mortgage company CitiMortgage sent me a XXXX from my foreclosure in XXXX four years after the fact in XXXX, requiring me to re-file my income taxes. In the letter from CitiMortgage it stated if I had to re-file my taxes they would reimburse the filing fees, which they have still not done to date! I had mailed them the documents which they claimed they did n't receive then I faxed them and they received them but after numerous calls to customer support, they continue to forward my claim to other individuals or departments with still no explanation or reimbursement for their mistake.
Thank you for FINALLY answering " yes '' and confirming that you did in fact contact people, including my family and friends while I and ECMC were in communication with each other about my loan account. These straightforward answers were not in the initial complaint responses. 

In speaking with a specialist at CFPB yesterday who assisted with this case, can you tell me what the purpose was for ECMC to contact other people while they were directly speaking to me. Federal law does not force you to call other people if I am in direct contact with you. Federal law allows you to contact other people if you can not get into contact with me ; which as we have proven you were in direct contact with me all along. You stated that " ECMC did pursue leads including attempting phone contact using phone numbers learned during skip-tracing and believed to be associated with you... [ but that ] ECMC did not discuss your defaulted student loan debt with any person other than you. '' If you were directly in contact with me when you called these other people, and your call was not to discuss my loan with anyone else as you stated, then why did you make these calls in the first place? Please give a specific answer and not the " required by federal law '' answer as that idea has proven false.
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. I am doing this on my own behalf.
I incurred an emergency room bill after being injured while attending a funeral outside of my home state. Days after I was treated, the hospital closed and did not file the invoice with my insurance company. Instead, a collection company, RMC, was given my file to collect in full without any insurance filing. I have spoken to RMC directly several times, and at one point, provided them with the name and number of a representative at my insurance company who said she would be glad to assist them in getting paid for my claim but RMC did not follow through on that and instead, opts to constantly call and write while each time I tell them that I have insurance that would pay this in full. They are using harassment techniques rather than simply filing the claim or having the hospital file the claim. I do not know how to help them help themselves, and neither does my insurance company. They need to do what 's right.
I have a small private student loan with American Education Services with XXXX. 
My loan is in good standing and I make regular payments well above the minimum and have an auto-debit feature for increased payments. 
On XXXX XXXX, 2016 I entered XXXX. 
On XXXX XXXX, 2016, AES processed an automatic enrollment in a deferment without my knowledge and against my best interest since I was at least a XXXX student. 
I immediately protested on the very next day and asked for the deferment to be removed since I intended to make payments regardless of my status as a student as is my right. 
An agent of AES contacted me via email and claimed that it was in my best interest to have the loan in deferment, since the loan was subsidized and I would not pay interest. 
I responded immediately via email that the loan was not subsidized and a deferment was not in my best interest because not only would the interest accrue but I would lose the rate reductions in place on my automatic payments and the loan interest rate itself would rise because they charged more during deferment periods than payment periods. 
The agent claimed that was not true but they could process a removal of the deferment. 
I responded via email to reverse the deferment, it was not in my best interest. 
Another agent responded via email that I was in fact right, and they could reverse the deferment and put my loan status and payments back as they were, but they would not accept any more email communication and they would not correct the loan status until I write them another communication via post. 
The loan is small, the rate is small, and the interest charged in violation is small, so It would not be in my best interest to escalate to the point of damages, but these agents have fiduciary responsibilities to service accounts in the person 's best interest and can not change the considerations to the agreement to best fit their bottom line especially when a violation like this is immediately caught, protested, and a request to return to a payment status is made.
Your choices of " best describe '' does not cover my issue. I have made an application for a new HELOC with WELLS FARGO BANK where i have been a loyal customer for 40 years. When I made the application, I asked specifically for a full appraisal so that I could obtain the largest line available. They paid no attention to this request ; simply obtained a value and told me what they could do without a full appraisal. ( very much what they have been guilty of in that THEY decide what you need/want without listening ) In addition and most importantly they send me my credit score monthly which last month was XXXX yet the score they use when THEY want to lend me money is XXXX - five points below the score that gives me the best rate! Why do they TELL me that I am an excellent credit risk and that I have the BEST score - UNTIL they want to loan me money and charge me a higher rate! I'm sure there is some fine print somewhere that exonerates them from this practice, but as a consumer when you send me my score and then use another score to charge me a higher rate it seems " bait and switch '' tactics! I don't need this line. I have plenty of assets and I will be moving my relationships and tell everyone about this! I felt this agency should know - little has changes with WELLS FARGO! My banker did the best she could against the big bank that calls the shots!
On XXXX I pulled my credit reports with all XXXX XXXX 's. I had a Bankruptcy listed on all XXXX bureaus. I sent out certified letters to all XXXX XXXX 's on XXXX. EXXXX XXXX XXXX completed the investigations in a timely manner and found the information to be unverifiable. Experian XXXX is another animal. They Signed for the certified letter on XXXX and completed their investigation on XXXX XXXX Report # XXXX XXXX. In my letter I explained to them, Experian Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. They provided none of the above. They have not removed the items in question and have failed to verify them correctly. I sent a 2nd letter to them via certified mail on XXXX and it was signed for on XXXX ( Report # XXXX ). In Experian 's response and denial they stated " The company that provided the information has certified to Experian that the information is accurate. '' Once again they were not able to furnish the appropriate documentation to me that this is a valid and verified debt, even after I requested it. I have contacted the XXXX XXXX XXXX XXXX they have verified that they do not provide information to the XXXX 's. I have called Experian multiple times and have not gotten resolution. Most recently I called on XXXX at XXXX EST and spoke with XXXX who transferred me to her supervisor, XXXX XXXX ID # XXXX ) who also could not help. She transferred me to the XXXX XXXX and I briefly spoke to a woman named XXXX who transferred me to her supervisor who claimed his name was XXXX. XXXX refused to give me any type of employee ID # or last name and claimed it was illegal and against company policy to do so ( even though a previous supervisor had no problems doing so ). XXXX claimed that the information was verified through " XXXX XXXX' and was not going to be removed. After lengthy conversation with XXXX, it slipped out that the information was verified by a XXXX party vendor, not Experian Credit Bureau. This is a clear violation of my rights under the FCRA and has caused me SEVERE financial harm and emotional distress.
One rep says they made a mistake and will remove the account - now another rep says that I owe this valid debt from 2011 and want the payment in full ( somehow went from {$300.00} to $ XXXX ). No one help 's at XXXX 's and they are trashing my good credit by reporting the account late 90+days every month!