WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I went to where I bank locally to open an Health Savings Account. I wanted to move my HSA account from " XXXX XXXX '' ( a division of Webster Bank, N.A., located in XXXX, Wisconsin ), because local banking is more convenient for me and their customer service is great.

A financial customer service officer at my local bank opened an HSA account for me and also prepared and submitted online all the necessary documents to transfer my account from XXXX XXXX on XX/XX/XXXX. Also, to ensure the process of transferring my account from XXXX XXXX was underway, the local bank financial officer and I called XXXX XXXX to confirm they had received my request. XXXX XXXX confirmed that they had, then immediately expressed strong opposition to moving my money, wanting to know why and trying to convince me I should stay with them. I let XXXX XXXX know that I was not going to stay with them, period. XXXX seemed to begrudgingly " accept '' hat I wanted to move my money. When I asked how long it would take to transfer my account they stated it would be finalized within 6-8 weeks from the date of receipt ( XX/XX/XXXX ). 

XX/XX/XXXX was the 8 week period XXXX XXXX declared was the maximum time frame needed to finalize the transfer, and yet by this date it had still not happened. 

On XX/XX/XXXX, I called my local bank wondering what else, if anything, needed to be done on their part or mine to make this transaction happen. My local bank said all they could do was wait, but that I should give XXXX XXXX a call to find out what to hold up was. 

I called XXXX XXXX on Friday, XX/XX/XXXX. Their customer service rep. confirmed they had received the request XX/XX/XXXX, confirmed it was well past the maximum 8 week period, additionally confirmed that nothing had been done on their end. The rep. said they would expedite my request and call me back no later than Wednesday, XX/XX/XXXX to confirm that they had completed the transaction. I received no call back. 

I called XXXX XXXX again on Friday, XX/XX/XXXX. I spoke with the SAME rep. who had promised to make everything happen and call me back on XX/XX/XXXX. They aknowledged they had not followed through, apologized multiple times and stated they would " make it happen today! and call me back to let me know they had taken care of it. '' Again, I received no call back. 

As of today, XX/XX/XXXX, it's been 12 WEEKS and XXXX XXXX has still not transferred my account! 

P.S. You should check out online consumer reviews that have been posted about XXXX XXXX. Apparently what I've run into, and even more types of bad behavior!, have been experienced by countless other people. An absolute mountain of TERRIBLE treatment of their customers.
Equifax questions about loans I 've taken out in XX/XX/XXXX and XX/XX/XXXX and I 've never had XXXX
XX/XX/2016 I signed up for a promotional offer of a CitiGold Checking Account that would credit my account with XXXX ThankYou Points. I received the promotion in a letter with the offer code XXXX which was applied while opening the account over the phone with a Citi Representative. The representative confirmed for me that the promotion would apply to my account if the qualifications are met. 

I called Citi multiple times over the course of XX/XX/XXXX and XX/XX/XXXX to confirm that I met the qualifications for the account and that my account would be credited. I was told multiple times that I did in fact meet the qualifications and that my account would be credited within the next 2 months. Recently I had an investigation opened asking why the account was n't credited, and Citi responded by stating that the promotion was not on my account. 

I feel as if I have been lied to and cheated, this type of deception should not be tolerated.
My mortgage was transferred to JP Morgan-Chase by my current servicing provider, XXXX. I received a notification about this change less than five days before the change from XXXX, and a notice from Chase the day OF the supposed payment change. 

I want nothing to do with JP Morgan-Chase - they are a company known for committing significant mortgage fraud - billions of dollars worth - and I have a moral conviction to not do any business with them. I attempted to contact them, however their customer service lines all hang up on you without letting you speak to anyone. 

I refuse to do business with a morally bankrupt institution such as JP Morgan Chase. What are my options to prevent the transfer of my loan, or move it to a company that isn't filled with blood sucking leeches?
Chase Bank did not fund my car and insurance payments without my knowledge. It caused the lender to report us to the credit bureau for late payment. This resulted to a drop on our Credit Score by more than 50 points. Chase claimed to have mailed a letter stating that I had until XX/XX/XXXX to provide information or they would freeze my account. 

1. They sent the mail to a wrong address.

2. The claimed letter stated that I would have until XX/XX/XXXX to go to a Chase Bank office. 
3. I was on the call several times and at Chase Bank office on several occasions to complain about my account prior to XX/XX/XXXX and was never told that they will not fund my checks even if I had more than enough deposit. 
4. The payments that were funded were on the dates before the deadline of XX/XX/XXXX. 
5. On chase explanation letter dated XX/XX/XXXX, it stated that they need some information that was already given several times starting from the opening of the account. If Chase lost the records, they should not penalize the depositor from their carelessness. 

I demand that Chase Bank send a letter to XXXX XXXX stating that it was their fault on failure to fund my checks as requested by XXXX XXXX in order to correct the Credit Bureau reporting.
A company called XXXX XXXX XXXX XXXX I had a bank account with them, it seems as though the company sold or changed name and is now called XXXX XXXX XXXX, well they have a account that they placed on my credit report, the problem is that I did not know that they report checking accounts ... but let me explain I had a tax check from the mother of my child that went into my account, the irs deposit the money in my account ... we started to use the money in the account to make transactions, when we went inside the branch to make a withdrawal the teller profiled is racially and decided to bring up the company policies, Im not saying that it was not the companies policies but they only said something because it was a lot of money and how can two young XXXX Americans come up with this money neglecting the fact that I have a account with them and they know by application that I was at my job for numerous years.. they took back the money right there and then and returned it to the irs, now because we had pending transactions that did not clear yet a chain reaction occurred now each item overdrafts the account and it was many transactions that was pending.. I called the customer services they assured me that they would reverse the fees due to the fact that its not my fault and they were the ones that took the money away that would have covered the pending transactions ... they never kept their word and promise the account was overdrawn like {$710.00}, then it somehow got to {$810.00} and they threw it on my credit ... now this company acted in bad faith doing what they did my account was in great standing up until they did that, and they promised me so they should have filled through with the promise to remove the fees
The debt in question was from several years previous. XXXX There was no legal action at that time and no judgment etc. filed. Recently ARA Inc. contacted me by phone demanding that I pay that very old debt. The original amount of {$20000.00}. They advised me that they had contacted my bank and other creditors and determined I had the ability to pay. I told the representative that I did not like or were legally able to do so. I was told that it was determined that I was financially able to pay them. They were filing a petition to freeze or attach my assets. I advised them that the debt was very old and questioned about their ability to ignore the statute of limitations or other legal procedures provided by law. I also advised them that my income was fully XXXX compensation. I was ignored and threatened with further legal process and garnishment of my XXXX income. 

Today, XXXX/XXXX/2015, I received another call from ARA Inc. Again threatening me with legal garnishment proceedings. I asked for a copy of the original debt and again advised them that my income was from state and federal pensions. I asked that they provide the legal remedy they were claiming allowed them to garnish and collect my financial funds. They again advised me of legal action would be take. I told them that they were unable to secure my income. I was told that " they would get their money, one way or another. '' I was concerned of illegal and immoral actions to attach my income. As they have all my personal security information I was concerned of Identity Theft or other acts of harassment and possibly violence. Later this day I received, by mail, a demand for payment in full. If I disputed the debt, " this office will obtain a copy of a judgment and mail you a copy of such verification. " This blatant and obvious illegal process appears to be their standard collection practices. There will be more threats.
SAM ; S ACCT HAS BEEN PAID DOWN TO {$200.00} BALANCE > STILL SHOWS {$910.00} THAT I OWE > PAID OVER MONTH AGO. ACCT XXXX XXXX
I was a customer of XXXX XXXX XXXX. They merged with XXXX XXXX and had me sign up for their new program which " would save me money ''. I signed up and the billing had been inaccurate for months. I finally disconnected their services and sent all equipment back to the company as they indicated. After receiving a large bill indicating a substantial balance was due, I called the company and they indicated that there was an issue with billing as the services were still billed under each company separately but only one invoice was sent out on behalf of both companies. After spending 3 hours on the phone with multiple representatives, the issue was resolved. A month later I received a letter in the mail indicating I was owed a balance of {$74.00}. I have since received that letter every month for the months of XXXX, XXXX and XXXX stating the company still owes ME money but they have not issued the reimbursement to date. In XXXX, I received a letter from the collection agency XXXX XXXX on XX/XX/18 claiming that I owe an amount of {$210.00}. I contacted their company to tell them this is incorrect and XXXX XXXX XXXX XXXX actually owes me money. Their representative started laughing and stated that I was incorrect and their documents do not lie. I told him I would submit the paperwork and he said it did not matter and I had to pay the entire balance due. XXXX XXXX XXXX has made a negative report on my credit which has impacted my score substantially and they have now turned a false balance to a collection company who continues to call and send letters demanding payment.
Back on XX/XX/XXXX my mortgage was in the process of foreclosure, however during negotiations thru my attorney and Bank of America 's attorney a resolution was reached to pay the back charges due and resume normal activity with mortgage, with no foreclosure and we remained in the home. This was completed sometime in XX/XX/XXXX. So for 6 years I have since made all payments as requested and per monthly statements I receive. Tax 's and Insurance is up to date. The last reporting date on my credit bureau, shows XX/XX/XXXX, and shows current under " payment status ''. But " account status '' shows " closed '', when the balance is XXXX from XXXX when this was worked out through Bank of America, so balance as dropped as shown, I am not being given credit on bureau since XX/XX/XXXX, and this reports on XXXX and XXXX XXXX. I have called many times but can not get this resolved, and always have to speak to a automated person, or be transferred to someone else who can not help me, except they say " it takes time for updating '' Really? its XX/XX/XXXX, a year and half, since they lest reported. I am not sure why it stopped reporting, as it was reporting current payment but with a closed account?!? I am confused, and need this corrected.
SCA has reported XXXX collection accounts on my credit report. Prior to these accounts appearing on my report, I never received a notice of right to dispute, which is a violation of the Fair Debt Collection Practices Act. I have asked SCA to remove these accounts because I was never served with a notice of right to dispute, but they refuse.
I paid a medical bill to XXXX XXXX on XXXX/XXXX/16. I received a letter the end of XXXX dated XXXX/XXXX/16 stating that my account was past due. I contacted and faxed proof that it was paid and have now received a notice from a collection agency, RMB , Inc . I contact them and tried to explain that this was indeed paid and the gentleman was very rude. I have called XXXX XXXX again and faxed everything again. Was told that the girl that handle credit card payments was on vacation.
A few months ago I tried switching my phone from XXXX to XXXX. After all I decided not to because it was n't cost effective. So months go by and I am thinking that everything is clear I pull my XXXX report right before I begin negotiations on purchasing a home. I found out I have a collection from Amsher for {$60.00}. I immediately contacted them, they forwarded me to XXXX. The representative told me i have a XXXX balance with XXXX and it was an error on their part for reporting for early termination. I contacted Amsher who promised that once my account is updated by XXXX that situation so be fix, since I requested verification of the {$60.00}. While this might be only {$60.00} it has been reporting negatively on my credit. Costing my family a lot of money. I have tried reaching out but there has been no response from this debt collector.
On XX/XX/XXXX, I received an email notification from my credit monitoring service that a collection has been added to my XXXX   credit report by a company named XXXX XXXX XXXX for a XXXX account that I do now owe. The XXXX account was from XXXX and has been removed from my credit report years ago. This collection company, XXXX XXXX, has never sent me any correspondence regarding an old debt they purchased from XXXX. The debt does not belong to me. This collection has damaged my credit score by almost 85 points! I will be filing a civil action against this collection company for reporting a debt on my credit report that I do now owe. At this time, I am requesting CFPB to investigate this matter for this collection company to remove this alleged debt from all my credit reports. Further, I am requesting certified correspondence sent to my address and recorded statements indicating I owe a debt to XXXX XXXX XXXX. I am attaching documentation showing proof that the XXXX matter has been disputed and resolved more than two years ago.
Returned check amounts for XXXX are showing as unpaid balance.Telecheck Services were held accountable for illegal services, and innacuracies against consumers. Sued for failure to follow guidelines for check reporting information ; Telecheck was required to pay consumers fees in return for innacuracies. Suit was filed in XX/XX/2014. Several checks that Telecheck states are unpaid, but have been paid are still pending as balance owed on my credit report.
I was unable to pay my payday loan with cash express in XXXX ky. Even after I tried to set up a payment with them, they have called every day. even had a collection agencency call. I was suppose to be able to set up a payment with them. Now cash express is saying I cant make payments. They was at my door this morning to collect.. Not sure if its illegal to harass people at there residents. But this is very over whelming. Please let me know what I need to do?
I went to buy a car and was told by the dealer i had been denied a loan because i had 2 collection accounts on my credit report. I obtained the credit reports and it said I owe {$190.00} to XXXX & XXXX XXXX and originated with XXXX XXXX and {$570.00} to XXXX XXXX XXXX originating with XXXX XXXX XXXX. Everyone who has owned a car knows you can not run a bill with insurance. If you do not pay by your due date your policy is cancelled and if you have an accident and attempt to make a claim it will be denied. So the premise under which i supposedly owe this debt is entirely fraudulent. I believe XXXX XXXX and XXXXXXXX XXXX XXXX has committed fraud by selling this fraudulent debt to XXXX & XXXX XXXX and XXXX XXXX XXXX which is attempting to collect it from me. This fraudulent debt has caused my credit rating to go down by as much as 200 points.
I had BTC both in a wallet and a vault at Coinbase at the time BCH fork was created. An email from Coinbase said BCH would be delivered to customers in XX/XX/XXXX. A Coinbase article, stated those customers with BTC in a vault would receive BCH in a regular wallet. 

If my Bitcoin was in my Coinbase account rather than my XXXX account at the time of the fork, will I still receive my BCH? 

Yes, but the BCH amount youve been credited will appear in your Coinbase account rather than your XXXX account.Specifically, if your Bitcoin was in your Coinbase Vault at the time of the fork, your BCH will be credited to your BCH wallet in your Coinbase account.To access your BCH, log into coinbase.com where you will have the option to transfer to XXXX. ( XXXX | Bitcoin Cash FAQ https : XXXX ) On XX/XX/XXXX, a month early, Coinbase offered BCH to some customers and not all. There was a big press release where Coinbase stayed it had provided BCH to all customers with BTC at the time of the BCH fork. I received BCH for my bitcoins in their regular wallet, minus about a 6 % fee, but no BCH for bitcoins in their vault. The accompanying email stated Coinbase was working on providing BCH for funds held in their vault despite the article that said those customers would receive BCH in a regular wallet. 

( Screenshots attached ) After about 6 weeks and not hearing from Coinbase, I called their customer service department the first week in XXXX and was told Coinbase would not provide BCH to customers who held BTC in their vaults ( Screenshot provided ). I opened a ticket as advised and for the first time I received an immediate response from a representative at Coinbase who said they were working on the issue ( screenshot provided ) When Coinbase released BCH to some of its customers on XX/XX/XXXX, the following day on XX/XX/XXXX, BCH skyrocketed to about {$4100.00}. There was suspicion of insider trading and Coinbase conducted an investigation of itself. Since then BCH price fell over 70 %, Coinbases decision to provide BCH to some customers was financially harmful to other customers who were equally entitled to receive BCH but did not. They violated their own agreement, misled the public and probably broke laws around securities. A company can not selectively give dividends to some stockholders and not others at different times. Why should Coinbase be allowed to do so? 

I ask that Coinbase do the right thing and honor their agreement to deliver BCH to my wallet and compensate for the harm in its selective delivery of BCH to some customers with BTC ( at the time of the fork ) and not all its eligible customers.
On XX/XX/2015 I filled a police report to report that several checks that was issued to me from Child Support were missing and they were cashed. I was told by the State of Florida Disbursement Unit that I could file a complaint with Wells Fargo Bank to investigate what happened to the checks because I did not received them and they were cashed by someone else. I filled a notorized complaint XX/XX/2015 and sent to Wells Fargo Bank the missing check numbers and amounts were furnished to me by the State of Florida Disbursement Unit. I sent the paperwork to Wells Fargo Treasury Management Fraud operations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX. I called Wells Fargo numerous times and I was told that I had to get a case number from the State of Florida Dispursement Unit. When I called them they didn't know what I was talking about. So far I have not got anywhere with these 2 agencies. I have the check numbers and amount that were cashed. I really cant understand why no one can help me. I am filing this complaint in hopes of getting a resolution.
I opened a PayPal account in 2017 to explore if the service would work for collecting rent from my tenant at that time. If I remember we may have even tried a test transfer of a dollar but I may be wrong. I have never used the account and want PayPal to close it. When I call to request it be close I am told I will have to send them a copy of the lease agreement with my tenant which has since expired and the tenant has moved. Of course, I would never share this information with PayPal. When I ask to speak to a XXXX  I am told that it will do no good and they usually disconnect the call. How can I get PayPal to close my account that I have never used?? Please help!
XXXX / XXXX /  XXXX   Credit Collection Services  XXXX   XXXX   XXXX   XXXX , MA  XXXX   XXXX  This company has continued to call my Mother 's home after I have sent several letters explaining that I do not live there. I am currently dealing with illness. I have filed for  XXXX . I have no job, no income and therefore no means to pay my outstanding debt. I am not trying to get out of paying them - I simply have nothing. My Mother receives many calls from them weekly. This has been going on for almost a year. I have explained to them she is recovering from  XXXX   XXXX   XXXX  and is still undergoing treatments. I have begged them to stop calling her number. They have not stopped.   The numbers they call from are :  XXXX   XXXX
I get a letter in the mail saying I owed {$19.00} for an account on Pay Pal Credit that I never opened or used. I have a regular Pay Pal account, so someone tied both of these together without my permission. When I try to pay them with my credit union checking account., they refuse payment, and want to to send a check to them. No, I do not send checks, due to the fact many people get defrauded and their checking accounts hacked, by sending them. I tried paying with a credit card, and they refused ( because I just want it to go away ). So, they have said they are going to take legal action against me, on this, and will destroy my good credit rating.
I had a balance left over from XXXX university which I could n't pay because a loan I applied for did n't get approved XX/XX/XXXX. After graduating and securing a job I was able to pay the balance in full to the collection agency William and Fudge XX/XX/XXXX. I received an email confirming that the balance was {$0.00} and subsequently sent an email to the school to confirm payment was received. " XXXX '' from XXXX XXXX 's bursar office confirmed receipt of full payment. I called William and fudge to let them know that I had paid and to report the account as paid to the credit bureaus, to which they said It would show as closed in about a week. Fast forward couple months, they still did n't update the account status with the credit bureaus and the account shows as open. I am unable to apply for loans and this issue has been causing damages to my credit score.
I took out student loans while I was at XXXX University. The student loan total was 75,000 approximately. I have been paying on the loans for approximately 16 years and the current balance is XXXX with XXXX total I have paid currently towards interest. The company claims they told me about a graduated payment. I have no record of that in written form anywhere. I find this predatory lending. I have almost paid the entire balance of the actual loan off in interest yet I still owe MORE than the actual loan itself. This is deceitful. I was a young girl when I signed up for these loans and HAD NO IDEA that paying off the balance of these loans would put me in a financially difficult situation. Nor do I think this kind of student loan lending is fair. IT is deceptive and wrong.