WillisBack/dataset-financial-user-claim huggingface dataset:
This is a complaint that I thought was done and over, I just received another collection letter from a Century Link collection bill Via : EOS CCA, Collecto, Inc. I never received the modem or the services at that time that these charges occurred. I am currently a XXXX XXXX customer and thought this issue was resolved until I opened my mail yesterday. I placed an order to XXXX XXXX back a few months after I moved into my home in 2014. I went months without internet if it was n't for convenience, and it was inexpensive enough I thought. I do n't really do anything but watch movies and pay bills with it, I 'm not on any social media, I 'm not a gamer. Ironically I am using XXXX XXXX right now to type this. This bill has been ruining my credit for years and I did n't know it. I Ordered XXXX XXXX in 2014 the modem was supposed to be sent out, It was never sent out, someone was supposed to check my service outside only, at no charge they said they had n't made before my first call. They even said they were going to expedite my services to that weekend I would get my modem in 3 days. I was busy working I almost forgot about it completely until I really needed the service I called and asked the lady what happened I thought the modem got stolen off my door step, she said she would check my order " it was never even sent out '' and they would send it and it would be " Expedited '' again, it did n't arrive again ( huge fail ) it was over a month until services started. Long story long They tried collecting in the past and realized their mistake apologized made up for it a little then made the same mistake a little over a year later and continue to ruin my credit.
Since XXXX XXXX, 2017, I have been trying to gain access to my account with Santander, but after five attempts and no resolution, I am finally giving up. I have spoken to roughly six people at Santander and they have all claimed to try and help me, to no avail. I have requested a PIN to be sent to me three times and a checkbook to be sent to me once. Every single time, I receive NOTHING in my mail. When I ask them to close my account, they tell me I must send in a notarized letter to do so, which is unacceptable for someone who is extremely busy. Their only other two options seem to be sending me a PIN or a checkbook, both of which have not happened with FOUR tries. My account currently has {$810.00} in it.
I USED THE PAYDAY SERVICE TO BORROW XXXX DOLLARS MADE FIRST INSTALLMENT HAD AN ILLNESS NEEDED 30 DAYS TO GET BACK ON TRACK EMONEY WAS NOT ABLE TO PROVIDE RELEIF PUT A STOP PAYMENT ON ACH WITHDRAWL AND EMAILED THE COMPANY STATING WOULD BE CONTACTING AND SETTING REPAYMNET OPTION BEGINNING OF XX/XX/XXXX RECIEVED A CALL AT MY WORK NUMBER XXXX AND FATHERS NUMBER XXXX SPOKE WITH REP AND STATED ONLY CONTACT ME BY EMAIL, TEXT OR CALL XXXX CAN NOT RECIEVE PERSONAL CALLS AT WORK 7 DAYS AFTER THIS CONVERSATION STILL RECIEVING CALLS TO MY WORK NUMBER XXXX
On XX/XX/XXXX I opened a automatically renewable CD account with XXXX XXXX, My initial deposit was {$5000.00}. I was told by ms. XXXX XXXX ( financial specialist ) that my CD would auto renew at each maturity date, and there would be no need for me to do any mantainence, So i made the deposit and left it there, because it was for my grandsons college fund. XXXX merged with Wells Fargo in XX/XX/XXXX, and i just assumed my account would be transfered over with no problem. 
On XX/XX/XXXX I went to Wells Fargo with my receipt of deposit and all the paperwork that was given to me at the time of deposit, only to be told that they had no record of my account, there was no record of deposit or withdrawal, so they said that they would investigate, and after about 4 weeks of contacting the bank for updates they finally told me that the account was purged from their system, so they said that the account must have been closed out, I asked them by whom, and they said that they have no idea, I know I didn't close the account. so I feel they owe me a better explanation as to what happened to my money
I set up auto pmt on my account by filling in a form with my name and address and attaching a voided check from my bank. The scheduled auto pmt did not go through -- I was charged interest because my payment was denied by ACH -- NOT by my bank. My bank researched the problem and said that ACH denied the payment. I called the cc company and they said it was my fautl -- I must have filled in the form wrong. I submitted a second form and to prevent the same thing happening I paid my account through the online payment feature. I had used it once before with no problems. The website said the payment was accepted. I got a confirmation email also. XXXX weeks later my credit card was declined. I called the cc company and they said they did n't get the payment and I needed to pay the minimum amount. I told them to check on their side. Why would n't the online payment go through this time when I had used it successfully before? The customer service rep said she could n't do anything and that her supervisor would be researching the problem. Also, she could n't explain why they did n't contact me via email or telephone when the payment did n't go through and they put my card on hold. Its been one week and I have not heard anything back from them. I continued to try to make payments using the online method and finally I was able to get XXXX to go through. I am closing this account, but I told them I wanted all interest and late fees back since it was their problem my payments were n't getting through. Also, I wanted my credit report to show I was not late.
I took over ownership of an account where I was an authorized user on the grounds that interest would not be added are continue to accrue since balance was accumulated under interest free terms and that late fees would not be added now or in future. Fraud Representative XXXX agreed to these terms. From the first time I received my bill I noticed interest and late fees so I called Capital one and spoke to a supervisor. I explained what The Representative informed me before I signed and agreed to the letter of responsibility. The supervisor removed the late fees and interest and stated he would stop the interest moving forward as agreed. I get my second bill and again interest was charged. I then spoke to XXXX who was a supervisor in XXXX XXXX XXXX Utah who informed me that she would listen to all of my conversations that I had with XXXX and the supervisor who removed the late fees and interest the XXXX time. She stated she would call back in 24-48 hours. I called capital one 168 hours later because I had not heard from XXXX and the representative I spoke to agreed to remove the interest and stop the interest moving forward. Then today XXXX/XXXX/15 XXXX calls me to say she listened to XXXX call. Which was the last call XXXX made to me about not receiving the letter of responsibility. She did not listen to the call where I agreed to take over the account with there being no interest or late fees applied. She did not pull the call between me and the supervisor I spoke to that removed the late fees and interest. She rudely informed me she would not be honoring what the representative from XXXX/XXXX/2015 provided and would not be honoring what the supervisor informed me nor would she honor the original agreement with XXXX XXXX which she adamantly refused to pull that call ). With these original agreements not being honored this account has been set up frequently in my name. I asked to speak to XXXX 's supervisor and I asked XXXX to honor what she said she would do by listening to all of the calls and she again refused. She stated her supervisor XXXX does not take calls nor does she make calls. Since original agreement is not being honored this nulls my letter of responsibility.
In  XXXX   XXXX , I got behind on my credit card with First National Bank of Omaha due to having a baby and being on unpaid maternity leave. I could n't catch up and pay the minimum amount due so I ignored it for a while. About a year later, a debt consolidation company  XXXX   XXXX  ) contacted me on First National 's behalf in order to consolidate. I worked out a deal where I would pay back half of the debt over a course of a year which amounted to about {$2400.00} and the other half would be reported on a  XXXX  Cancellation of Debt which I filed on my taxes for the year  XXXX . Since then, I keep having call after call from a different company/firm trying to collect on this same debt. I tell them that I have fulfilled the debt through a debt consolidation company and they say thank you and we will take care of it. Then a month or two later, I get another call from another company with the same story. So I tell them again what I did and they leave me alone. I have seen where they are going so far as to call my brother in another state and my in laws trying to find me. This is utterly ridiculous and I need help! Any help you can provide would be fantastic.
My attorney and I have attempted to contact Central Financial Control on several occasions going back 2-3 months to obtain and itemized statement of services received on XX/XX/2016, in order to settle my lawsuit and pay the debt collector. This bill was generated from XXXX XXXX Hospital in XXXX, GA. Central Financial Control promises a 7-10 business day timeframe for receipt, however, they continuously fail to furnish the necessary documentation as requested.
Equifax is responsible via poor security protocols for being hacked and revealing my and my wife 's personal information, credit information, SS #, to hackers and identity thieves. This lack of professionalism and regard for what they do has cost myself and millions of other American 's peace of mind that their financial information is secure and all the time involved in restoring said peace of mind.
I am filing this complaint today against Jefferson Capital LLC because my credit monitoring service notified me on XXXX XXXX, 2016 that a collection was placed on my XXXX and XXXX reports by them. I have never heard of nor from this company and I have never entered into any legal agreement or contract to do business with them. Furthermore ; the debt they claim I owe them was illegally purchased and furnished on my credit file without my consent nor an opportunity to verify or validate debt per FDCPA. The debt has been previously deemed unverifiable and was removed from my credit file due to another illegal purchase once before. I have reached out to them and have asked them to please remove the unverifiable negative item from my credit reports and have been ignored so far. Please resolve the situation as soon as possible. Thank you.
What happen was that I hired a Realtor to sell my home which I 'm upside down in. He explain to me that I could apply for a Short Sale with my mortgage company Wells Fargo Mortgage Co. Well he started the process with the short sale department and gathered all the information requested by Wells Fargo and submitted it on time. An appraisal was done and just as I stated I was under water with my loan. My original loan amount was {$240000.00} and the appraisal value came back {$130000.00} Then Wells Fargo requested bank statements, earning statement, proof of income ( SSI & VA ). Once I provided these documents to Wells Fargo they requested letters of explanation of deposits and withdrawals. I provided them with letters as requested. Now things started to get strange because Wells Fargo began to request documents and letters of explanation that has already been provided. They kept asking me where this money came from or what this deposit was for and so on. Requests started duplicating them self. They kept asking for letters and documents that has already been provide. At this point the case manger replied that she would not continue my case if I did n't provide her with the duplicate request. So I requested to speak with he supervisor. Once on the supervisor she also was very disrespectful and stated that if I did n't submit to her the duplicate request that she would close my Short Sale file as well. Then she hung up one me. This type of conduct was not acceptable and prompted me to make this complaint. Also, my case manger never return calls to my agent for two to three weeks at a time. Gave no explanation on why duplicate documents was being requested or why case would not return calls or emails to my agent. Please see attached file to prove my case and concerns. 
Sincerely, Disgruntle Customer
Based on misinformation provided by CITICARDS customer service on procedures required by the card holder in submitting a merchant dispute the card account was closed. Citicards provides no way of getting in touch with their offices and getting an explanation as to why the card was closed, nor do they provide a procedure as to how a card member can request an investigation into the matter and have their complaints reviewed. 

This was an account in good standing for over one year, total balance paid in full every month and on time.
On Saturday XX/XX/XXXX I went to XXXX at XXXX XXXX XXXX, XXXX, XXXX to send my brother in XXXX money through Western Union. I sent {$1000.00} in cash they charged me {$86.00} fee for an Immediate transfer, so the money would be available to my brother immediately. My brother went to pick up the money in XXXX with the transaction number that I provided him with and his picture XXXX driver 's license. He was told that " the money was on hold '' to come back at a later time. He went back with his US passport as ID and was told that the money was still on hold. On Sunday XXXX/XXXX/2015 he called me to inform me of this problem and I went to The Stop and Shop that I had originally sent the money from and was told that they " had nothing to do with it '' that I had to call Western Union. I called Western Union and spoke to XXXX different representatives they kept on reciting some verbage about government sanctions and I asked to please tell me what the problem was. All the lady, XXXX told me was have your brother Fax or email a picture ID to us and " our legal department will notify you. I explained to her that this money I had sent so that my brother could have quick access for the care of my dad who is XXXX years old and has XXXX and lives alone in XXXX, XXXX. She told me that Western Union would contact me. My brother emailed Western Union right away a copy of his US Passport on Sunday " XXXX '' I waited and waited an heard nothing from Western Union. Today I called their customer service number and was told that they had not received any emails from my brother. I asked my brother to please send me the email which he did right away and I emailed it to them I also faxed it to make sure they receive. Again I asked Western Union when could I expect to get my {$1000.00} back plus the fee of {$86.00} since they had failed their fiduciary responsibility to the paying customer of make the transaction as agreed. A few minutes ago I receive a short email from Western Union reading that this case had been escalated to higher department and that they would notify me when the " investigation '' is completed. No time frame when the money would be return to me. To say the least I am very upset about this issue. I am a XXXX XXXX with the highest credentials and clearance working for the XXXX and a law abiding citizen and for this company to hold my hard earned money which my dad needs is inexcusable. I feel that Western Union has racially profiled my brother and I and this not acceptable. We were born in XXXX and have resided in the US since XX/XX/XXXX and are American citizens we are being treated as criminals by Western Union and that is very frustrating. 
I want this embarrasing incident to be put behind us and I want justice for my brother and I. I also want my money to be returned to me by Western Union as soon as possible. 
Thank you for taking the time to read this complaint. 
Respectfully submitted, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXcell number XXXXhome number XXXX
I opened a new account with BBVA Compass on XXXX XXXX, XXXX, under a new account promotion where I would receive {$200.00} if I opened a new account and they received a direct deposit of at least {$300.00} within 60 days. 

I had payroll direct deposits of {$300.00} post to my new checking account on XXXX XXXX, XXXX, and XXXX XXXX, XXXX. 

It has been 60 days since I opened the account and I still have n't received the {$200.00} bonus. I sent the bank a secure message, and I received the following response : We received your inquiry regarding the Direct Deposit Promotion. Please note that the qualifications for promotion are based off our discretion. 

I do n't think it is fair of them to decide to not pay my bonus, after I met all requirements, just because their promotion is based off their 'discretion '. I met the requirements of their promotion and believe I am entitled to the bonus. 

Thank you.
I had a Fidelity Rewards credit card issued by U.S. Bancorp that was converted to XXXX XXXX XXXX in the summer of 2016. The advertised rewards from XXXX is that you receive double points for all qualifying purchases and 2 % rebate if the rebate is deposited into a Fidelity account. 

I have been diligently redeeming my rewards over the past year only to realize that I had only been given 1 % instead of the 2 % as advertised. I never received any information that upon my account converting from Bancorp to XXXX, I was supposed to call to change my rewards level. This was not clear and a very deceptive process for all customers. 

All along I was using my card to receive the 2 % and I was only given 1 %. This needs to be better communicated and any accounts converted should have received information regarding the steps to take to ensure they were participating in the right rewards program.
Bank of america was adjusting my account for lowering the payments and did not post my sent payments to the loan to show the government that we are behind, but we paid all on time direct deposit from my account every month. So this account is paid is full and shows late payments from XX/XX/XXXX to XX/XX/XXXX. We have XXXX kids and this is hurting us whenever we go for a car loan or refinance a mortgage. Please kind help us and our family will be thankful to you
I have sent payments for the past 6 months. The day they are scheduled to be made they are in pending status not " processing '' or even paid. So currently I accrue interest for an extra few days because they refused to accept my payments date. I have a payment scheduled for today and it says " Pending ''. The money is in my account to be withdrawn now it will not drawn until so I accrue more interest until Monday. I try to make payments early to prevent more interest being gained. Essentially I schedule a payment then they wait two or three days to process it.
On XXXX/XXXX/2015. I opened a dispute with Equifax due to the fact that I had just paid off my Student Loan in full on XXXX/XXXX/2015 with the Creditor. I provided the amount of the payoff and an explanation stating that the loan was no longer in " collections '' and should be reported as closed. Per the FCRA, my understanding is that Equifax is legally required to conduct a " reasonable investigation '' of this matter. 5 days later on XXXX/XXXX/2015 Equifax " hastily '' completed their investigation, citing that the account was being reported " correctly '' despite having direct evidence from me that the account was paid in full ( attached ). I assert that Equifax did NOT conduct a reasonable investigation, and violated the FCRA by being " willfully negligent '' in their investigation, or that they did not actually do any type of investigation at all. Due to the failure of Equifax to conduct a reasonable investigation, I demand that the report be removed from my account immediately.
My wife and I filed for and received a Chapter XXXX Bankruptcy Discharge XX/XX/XXXX. We moved across town shortly after that and because we moved we fond it impossible to get in contact with Transunion, XXXX and XXXX credit reporting companies for our free credit reports as entitled under the law. After XXXX moths passed we found where someone published the credit reporting names and addresses. We notified the credit reporting companies that they were still reporting balances owed on accounts that were included in the bankruptcy. The credit reporting companies and the account owners were properly and legally notified of the Bankruptcy filing and discharge. In the husbands credit report Transunion refuses to remove or correct the negative information by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX, XXXX that was included in the Bankruptcy Discharge. Also in the husbands report XXXX refuses to remove or correct the negative information the negative information by XXXX XXXX XXXX. In the wife 's credit report XXXX refuses to remove or correct the negative information by XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX, XXXX. Both the wife and husband wrote letters to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX dated XX/XX/XXXX challenging the credit reports we both received on XX/XX/XXXX. To date XXXX has failed to respond to the letters we wrote clearly advising them of all disputes for all of the falsely reported items including all items that were Discharged in the XX/XX/XXXX Bankruptcy. XXXX instructions on their credit report dated XX/XX/XXXX clearly instructed us to mail disputes to the afore named address. We have a large number of supporting documents that we can provide if necessary. Its clear to us that both the credit reporting companies and the creditors have little to no regard for the laws. Our attorney properly and legally notified the credit reporting companies and the creditors of the filing and discharge of our Bankruptcy. Because of the illegal negative information reported in our names we have been both denied credit and or the credit we received was at a higher interest rate than it would have been if the credit reports would of been correct under the law. The law requires the creditors to either remove negative information or show a zero balance and a statement included in Bankruptcy. We ask that you investigate to see why the credit reporting companies and creditors did n't follow the laws for reporting after a Bankruptcy Discharge, investigate why the afore named creditors even after being notified by us reused to correct the negative reported items, investigate why the credit reporting companies make it impossible to contact them in writing, investigate why when we paid for the credit reports last year the reporting companies either failed to allow us to receive our reports because we moved or provided only partial reports that did not provide us enough information to challenge the reports.