WillisBack/dataset-financial-user-claim huggingface dataset:
After receiving a Reduced Rate Sales call from our existing Mortgage Provider, my husband agreed to submit an application for a VA Mortgage Refinance. Roughly 30 days later the deal closed ( XX/XX/16 ) with 1st payment due in XX/XX/XXXX. In XX/XX/XXXX we received a Letter of Demand for Outstanding 2016 Property Taxes ( delinquent XX/XX/XXXX ). It was a Final Notice before publishing our names in the local newspaper with a threat to garnish wages, bank accounts etc. After numerous calls to the bank, we were told that the taxes were paid 'on time ' from the now refinanced Escrow Account, but that was INCORRECT. After realizing the mistake, Wells Fargo proceeded to pay the delinquent taxes from the new loan escrow account while conducting a formal investigation into the matter. This has been an Official Complaint since XX/XX/XXXX & with every passing deadline for answers, they are still yet to provide any. The issues are as follows ; - Questionable Sales Practice, negligible benefit/ savings to customer. Nominal ( 0.5 % ) rate reduction, extended loan term, origination/ closing fees added to principle. - Although projected, Taxes Not Paid from 1st Escrow Acc't resulting in 6 month delinquency, why? - {$2400.00} - MISSING from 1st Escrow, still unaccounted for. - Bank Explanation ; Insufficient funds to close 1st loan, Incorrect payout figure, balance taken from escrow..??? - Incorrect Payout figure on banks own refinance, how is that possible? - What was the 1st loan Payout Figure? As asked in XX/XX/XXXX, still no answer. - Although joint title holder, Did the bank conduct Credit Check on non-borrowing spouse, without permission? - Closed VA Loan with property taxes in arrears. How? - Escalated to official complaint in XX/XX/XXXX, was contacted by bank rep/ customer liaisons officer handling the investigation who promised to make contact within 6 days ( as required by law ) to give update ( not outcome ) This did n't happen. XX/XX/XXXX thru XX/XX/XXXX zero contact. - XX/XX/XXXX. Contacted by different rep stating investigation still ongoing, XX/XX/XXXX projected date for outcome ... .. XX/XX/XXXX, no answers new projected outcome. XX/XX/XXXX. - Against our wishes, as stated in original complaint due to ongoing investigation. Bank is now debiting funds over & above mortgage payment, to make up difference in new escrow account. - Was the missing ( {$2400.00} ) from 1st escrow acc't used to offset new loan origination costs & closing fees? - Is Wells Fargo attempting to sell the servicing of loan to another provider while investigation still ongoing? The serious nature of our complaint is obvious and without answers, egregious. We have completely lost faith in the ability of Wells Fargo to manage this loan. Without recourse they can do what they wish, take what they want, leaving little room for the consumer to hold them accountable to the rules & regulations that are meant to protect us..
I am a public interest attorney and have been on the income based repayment plan ever since in XX/XX/XXXX. I have not missed any payment because of the Loan Repayment Assistant Progam that covers my monthly payment. 
For the year XX/XX/XXXX, I was late with recertifying my Income Based Repayment plan for 3 weeks ( the deadline was XX/XX/XXXX, but I submitted my recertification request on XX/XX/XXXX ). I missed the deadline because I was not aware of the deadline. My lender sent me a notification prior to recertification deadline twice via email only, but I was not checking the email account since that email account had been hacked previously. Now I just learned my interest has been capitalized and the principal loan amount increased as of XX/XX/XXXX. I called my lender several times to understand why it happened, and each time, different representatives gave me mixed answers- one told me it was because I was on forbearance, which I was not even on at that time, and someone else to me that it was because I made too many {$0.00} payments. I was not convinced with those reasons, and still called the lender several more times, and I got the most convincing answer that it was because I was late with my recertification request. I agree that it was partly my fault that I was late with recertification request, but the consequences of it, which is capitalization of interest, is too harsh for one negligent act, which was not intentional. I have been talking to my lender if I capitalization of interest can be undone in lieu of payment of penalty, but the lender says there 's nothing can be done.
We traded in our vehicle and contacted the holder of the loan which was Key Bank to cancel an upcoming auto debit payment and all future payments since we were no longer the owner of the mini-van. We did so days in advance and received a cancellation code, and were assured the payment would not go through. We had to take money out of our account for the new vehicle and I had bills to pay the coming week. They still took out the payment, which took my account down so far, that I was unable to buy food for the week, and has made several other bills late. When we called Key bank they gave us the runaround that the person we spoke to was not available and that we have to wait five days for the money to be refunded. This is unacceptable on several levels. We cancelled in enough time and received a cancellation code, and were reassured by a supervisor that it would not come out of our account. My wife and I have spent hours on this between excessive hold times and poor customer service. When we asked for the supervisor 's full name, the girl said that they do not give out full names. When calling we have a right to know the identify of the person we spoke to especially since they make us go through excessive security identifiers. This is very unprofessional and when we told them we need our money back now, it is preventing us from paying our bills, they did not care, and said " we are sorry you feel that way ''. To me, this why the CFPB exists and needs to step in. We need more than our money back at this point. My XXXX was racing when I saw the money come out of our account, and after hearing from my wife that they will not refund the money as quickly as they took it out, that I nearly had to go to XXXX XXXX with a XXXX XXXX. This is an unfair practice under the CFPB. I have suffered financial harm, it was not avoidable since we did our due diligence in cancelling with back up evidence of the cancellation, and this was not for reasons of competition, and the bank does not care what damage this is doing to us, by their attitude when we have called. We need some type of financial restitution, and being a bank, they need to be investigated for their practices. We looked into this bank and they have a number of consumer affairs complaints and get " a single star ''. This should give a glimpse into how good this bank is.
Calls come from this number day and night and even weekends. When I answer, they say I owe a debt but won't tell me the debt before I tell them personal info like my addresses and phone numbers. When I call, I get several rude people who give me the run around or hang up on me. I've asked to NOT BE CALLED. THEY JUST HANG UP IN ME AND START ALL OVER! This company is disgusting and classless. I'm reporting the issue to my lawyer as well for further litigation
My information was part of the Equifax and XXXX data breach. My information was compromised. I have taken the necessary steps to put a lock/freeze on my credit report to prevent this form happening again. I have several hard inquires from companies that I didn't apply for credit nor authorize them to so. I have tried to reach out to the companies along with the credit bureaus to try to get these inquires removed and have had no success. Some of these same inquires were also on my wife credit report. An have been removed from her report. This is affecting my credit score as well as my well as my ability to apply for credit now or in the future due to too many inquires. I makes me look like a high risk. Also I have to keep a certain imagine up due to certain security clearances for my job.
Could not use my Rush card. My electricity was disconnected due to this poor service.Still as of today I have money on the card but ca n't access the card.
On  XXXX   XXXX ,   XXXX  , I notified my  XXXX   XXXX   XXXX  that I had both moved and purchased a new vehicle and was moving my insurance to another company. I provided the proof from the vehicle purchase, proof of coverage from the new insurance company, and a written ( emailed ) statement of the cancellation. I had paid a full month 's premium on  XXXX   XXXX  and was not provided a refund for the pro-rated portion.     In  XXXX ,   XXXX   I began to receive outside collection notices claiming I owed a month 's premium and my account had been " cancelled for non-payment of premium. '' I contacted my agent,  XXXX   XXXX . At that point I was told by  XXXX   XXXX  that  XXXX   XXXX  was no longer the agent and that she would take care of the issue. In  XXXX ,   XXXX  ,  XXXX   XXXX  assured me the situation had been rectified and no collection would continue.     I have received another collection notice as well as having been informed that it is showing up as an uncollected debt on my credit report. I am working hard to rebuild my credit after   XXXX   XXXX   resulted in a loss of all assets and personal bankrutpcy. I have both contacted  XXXX  and sent a letter to the collection company more than once, to no avail.
XXXX works for Online Information Solutions about my {$300.00} some debt for XXXX XXXX. The only reason he has my information was because I called the debt recovery solutions company because I do want to pay my debt, when I can. I explained I want to buy a house, but paying all my debts at the price they are is something I ca n't do at the moment. I wanted to see if they would settle for a less amount. It turns out they would n't, but I said I would pay when I can. Instead of trusting that I will pay when I can, XXXX is constantly calling my phone leaving voicemail after voicemail. Today he called at XXXX, I explained AGAIN that I do n't have the money right now, I will pay when I can and to please stop calling it is harrassing. He told me he is allowed to keep calling. I said it is against the law to harass me like this and he replied with " It does n't work like that we can keep calling '' ; implying that he is above the law and making me feel pressured to pay, or else.
On XX/XX/XXXX2017 I went to XXXX and attempted to view my free credit reports. I was only able to view my XX/XX/XXXX report. XXXXXXXX gave me an unintelligible error. XXXXTransUnion said it could n't confirm my identity after a series of follow up questions. The follow up questions were very vague. Some included no possible correct answers, and some included multiple possible correct answers. From this it is unclear if they have accurate information on file for me.
Claim  XXXX  was opened on  XXXX ,  XXXX   XXXX   XXXX   XXXX . This transaction was paid through  XXXX , the package arrived with item missing from it. The merchant did not include the item prior to shipping, a mens wallet.   XXXX   will not refund, they will only reship the item which is no longer wanted.They advised me to dispute charge. I attempted to dispute charge through  XXXX . however, claim was closed by mistake and refuse to re-open it or do anything further, I was advised to dispute charge with my bank which is Suntrust. A claim was made on  XXXX , however, nothing has been done. Suntrust reps, which are outsourced to foreign countries like  XXXX , are of no help and only state the claim is in progress. They verified affidavit was received, still nothing done as of today,  XXXX . The transaction has overdrawn the account and received  XXXX  insufficient funds fees on  XXXX  and  XXXX  because of it. I need credit for transaction as well as overdraft fees mentioned
I opened a Citigold checking account with a bonus offer of XXXX Thank you points. 
Before opening it, I confirmed I was eligible for it. 
I completed the requirements and waited 90 days for the bonus points. 
I chatted with a Citi rep named XXXX who confirmed I 'll get the points. 
Now Citi is saying I 'm not eligible for them.
As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for  TRANSWORLD SYSTEMS lic ense. I have found they are in direct violation of TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-101. TRANSWORLD SYSTEMS do es not have a license in the state of TENNESSEE. They can not collect on a debt. TENNESSEE FAIR DEBT COLLECTION PRACTI CES ACT 62-20-105 stat es no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNESSEE FAIR DEBT COLLECTION PRACTICES A CT 62-20-108 ( a ) ( 1 ) Every collection service shall have, for each location at which it conducts business a location manager who  has submitted an application on a form prescribed by the board. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-123  states a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor.  TRANSWORLD SYSTEMS is i n direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.
On XX/XX/2018, I called my bank USAA and said I needed to make a transfer but I did not know if XXXX app that they advertise through their website would be safe. I have always used XXXX for transfers and had no issue. The customer service representative said it was an app used by many banks in the US and it was a safe way for purchase, transfer etc. I felt much secure once the customer service representative said that. 

I made a transfer from my bank account through XXXX ( app that USAA advertise in they website ) for {$200.00} to purchase concert tickets for my daughter and I. After 5 minutes that passed and I had no reply from the seller, I called USAA and explain the situation. They said they were going to stop the payment and I would get a refund. 

After 2 weeks I called them back and they said they weren't able to give me my refund because the seller never contacted them back again. Obviously it was fraud and they could not protect me as a customer. I would like them to give me my refund as they stated in the first conversation I had with customer service. If they advertise a app, say it is safe to use and we are protected as costumers they should be able to honor it. So please make an investigation and help me get the {$200.00} back. 


Thank you.
Incorrect addresses and Phone numbers on transunion. They would not help me. They validted my identity by phone but put a hold on my acct. online, Customer service person would not give me and reference info on who she was : Name, I 'D. or location. I asked for supervisor and was put on hold and then hung up on. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX is not a valid address for me. I have never been to XXXX XXXX XXXX XXXX, XXXX, XXXXA XXXX XXXX XXXX XXXX, XXXXXXXX XXXX are not valid addresses.
I got a phone from XXXX, as previously mentioned in numerous complaints through the BBB, XXXX themselves, and XXXX XXXX. I got a new phone and a speaker at the time of the contract. I was unable to pay. Later, I paid the phone off, to switch providers. To this day, I get mail from CONVERGENT and XXXX stating I owe them XXXX. 

XXXX can check their own system to show the phone is paid off. I don't owe them anything. 

Due to their negligence, seditious acts, and the like, I currently do not own a cell phone AT ALL, because each time I activate a new phone I get 3-4 bills from XXXX, XXXX, and most recently XXXX XXXX XXXX attempting to get me to pay for old services that have been paid off. I refuse to continue to purchase services, only to be hit over the head with a new bill about old services I've already paid.
I have contacted the CRA multiple times via Certified Mail and their online dispute system ( which seldom works ). There are multiple entries listed on my credit report in error, which I have tried to have removed repeatedly. It has come to my attention that multiple unauthorized credit inquiries have been listed, and continue to be listed after being informed that these inquiries were provided in violation of the FCRA, and continue to be listed in violation of the FCRA.>>>> As you well know it is a violation of the Fair Credit Reporting Act, 15 U.S.C. 1681 et  seq. to report erroneous information on a credit report. I demand that Transunion expunge the reporting of the unauthorized inquiries listed hereafter, as it is a willful violation of the reporting requirements of 15 U.S.C. 1681-1681x. Id. 40-43.>>> As stated in Transunion 's most recent XXXX, Transunion 's U.S. operations `` are subject to numerous laws that regulate privacy, data security and the use of consumer credit or an individuals healthcare information. Certain of these laws provide for civil and criminal penalties for the unauthorized release of, or access to, this protected information. '' And, " The law contains an attorney fee shifting provision to provide an incentive to consumers to bring individual or class action lawsuits against a consumer reporting agency for violations of FCRA. " >>>> The continued reporting of these unauthorized inquires constitute both negligent and willful violations the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 1681-1681x.>>>> I both have placed a fraud alert on my Transunion report and requested a lock on my report so third parties, such as lenders or other companies, will not be able to access your credit report without your consent. Still, I just received an alert for a new unauthorized inquiry by XXXX XXXX XXXX>>> The following Inquiries are unauthorized, all others are verified as authorized : 1. XXXX XXXX XXXX  - Date : XX/XX/XXXX, XXXX>>> 2. XXXX XXXX XXXX - Date : XX/XX/XXXX, XXXX>>> 3. XXXX XXXX XXXX - Date : XX/XX/XXXX, XXXX>>>> 4. XXXX - Date ( s ) : XX/XX/XXXX &XX/XX/XXXX>>>
I am a victim of identity theft. The following XXXX credit card accounts are fraudulent and unauthorized : XXXX and XXXX, the following hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX.
I called The CBE Group, Inc because they sent me a email about a debt which I know about. I called to make arrangements because I want to get this paid. The gentleman I spoke to had a heavy middle eastern accent and I was telling him that I will make monthly payments starting XXXX XXXX of 2016. I think his name was XXXX or XXXX ... but he told me if I do n't setup automatic withdraws his company will continue to call me. I asked him to repeat his name because I did n't understand ; His reply was that he already said his name in the beginning. That 's the XXXX negative response because I 'm the consumer who is actually trying to take care of this matter ... I do n't deserve that treatment when a company wants me to pay them. I asked for his manager and he never transferred the call to a manager ; he placed another agent or changed his voice because he sounded just like the unprofessional agent.
On XXXX XXXX, 2017, Equifax announced that they were the victim of a hack that occurred on or about XXXX 2017 that leaked my personal information according to their victim reporting tool at this address : https : //www.equifaxsecurity2017.comXXXX According to this site, and after I sent my identifying information for them to check says that my information has been leaked due to to this hack. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company. It is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives who dumped stock immediately prior to the data breach announcement.
JP MORGAN CHASE BANK KEEPS SENDING ME BILLS FOR OVERDRAFT LINE OF CREDIT PROTECTION THAT THEY SAY I AUTHORIZED THEM IN 2005. DESPITE THE CHECKING ACCOUNT IN QUESTION BEING CLOSED, THEY KEEP SENDING ME BILLS AND REPORTING NON-PAYMENT TO CREDIT AGENCY SEVERELY AFFECTING MY CREDIT. I HAVE CALLED SEVERAL TIMES TO THEIR XXXX NUMBER AND VISITED THE BRANCH BUT TO NO AVAIL. THEY ARE REFUSING TO RESOLVE THE ACCOUNT.
I have attempted, for several years, to get Optimum Outcomes to provide me with written copies of the original medical bill and the Explanation of Benefits from my insurance company showing that I did not owe this account. I have disputed this account that is showing on my Credit report. I have contacted the hospital and their XXXX, 3rd party billers and they all show that I do not owe them any thing. I have a copy of of the Explanation of Benefits that show that this account was settled by the medical office. I have been denied a mortgage loan because of this false collection account.
On last week, I contacted Synchrony Bank, for my XXXX XXXX XXXX card. My recent statement jumped from a minimum payment of {$370.00} to {$580.00}, of which I was alarmed. I contacted Synchrony Bank and talked with the customer service representative and the supervisor to see if they could get my payments lowered, adjust the interest rate or keep the payments where they were around {$400.00}. They told me no. I contacted them again today XXXX, and they told me no. I told them I would report this to the Fair Credit and CFPB. The interest rate they quoted me is {$29.00}. Almost 30 %, which is outrageous and they said there is no negotiability. I asked if I could n't make the monthly payment, then what happens and they said I 'll be paying late fees and a much higher monthly payment. Something must be negotiated here. I am struggling month to month, I am able to negotiate other cards and even student loans but not this card. I make my monthly payments on-time and I feel like I am being penalized, I have suffered a death and I am just overwhelmed in grief and financial responsibilities that go along with it. If you could help me in any way to get the payment lowered or lower the interest rate I would appreciate it. Thank you for your time. Sincerely, XXXX XXXX email : XXXX
I recently received a copy of my Experian credit report. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XX/XX/2017 XXXX There is ( XXXX ) reporting on my Credit XXXX XX/XX/2017 XXXX XXXX/XXXX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017
This company ( Healthcare Collections-I , LLC ), which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$2900.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. This company stated I have a daughter named XXXX XXXX  which I do not. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
In an understanding for 'Formal Disputes ' of Bank Transcations with Merchants, only certain Banks file Formal Disputes where as, in the Past if ( you ) did not. Contact the Bank within Days or Hours in receiving a Letter the Bank would impose Excessive Fines and Fees on Top of, Additional Fines and Fees.