WillisBack/dataset-financial-user-claim huggingface dataset:
Several customer service representatives and supervisors have unfairly, unprofessionally, misled and misinformed me about how to avoid overdraft fees. Only the last XXXX supervisors that I spoke with fully informed me how to avoid overdraft fees and even both of them had slightly different versions of how I can avoid overdraft fees. How am I suppose to avoid overdraft fees if I 'm not being properly informed by TD Bank 's customer service representatives and supervisors? I followed what I was told and directed to do and I still get hit with overdraft fees. This is seriously unprofessional and unfair to me because all I did was what I was instructed to do by several TD Bank 's customer service representatives and supervisors. I would like for your agency to review all of my recorded customer service conversations so that you can hear how many different, incorrect and incomplete versions of how to prevent overdraft fees I 've been told by TD Bank 's consumer service representatives and supervisors. Even if I read and signed TD Bank 's overdraft fees policy when I first opened my TD Bank checking account, I should n't be told different or incomplete misleading and misinforming versions of TD Banks overdraft policies, especially from TD Bank 's own customer services representatives and supervisors. I just figured and was falsely made to believe that TD Bank 's overdraft fees policies had changed based on the incorrect, unfair, misleading and misinforming information I received directly from several TD Bank customer service representatives and supervisors. A TD Bank customer service supervisor supposedly reviewed all of the recorded conversations between TD Bank 's customer service representatives, supervisors and me and that same TD Bank customer service supervisor concluded that I was fully and correctly informed and that nothing incomplete, misleading or misinforming was ever told to me in regards to any TD Bank 's overdraft fees policies by any of the TD Bank customer service representatives or supervisors I spoke with. To this moment, because of all the endless different versions I been told or received or also because of the lack of information provided by TD Bank 's customer service representatives and supervisors, I still do n't know what are the real and correct overdraft fees policies at TD Bank. Plus I had to endlessly plead with and almost beg the last TD Bank customer service supervisor I spoke with to have someone look into my complaints and unfairly and unprofessionally no one has ever called me back.
I sent a letter to ERC on XX/XX/XXXX, regarding Acct requesting the company to validate the debt they say that I owe them. I did not recieve any documentation that I owed this company anything, I recently checked my credit report and ERC was listed as a creditor. This prompted my letter to them. This letter was sent Certified Mail with a Return Receipt Tracking Number. ERC recieved the letter and they signed the return receipt. They sent me a packet of a bill after I specifically requested evidence of the alleged contract bearing my signatureaccording to the law. They blatantly ignored me and sent a bill without a contract. ERC has failed to provide me a contract bearing my signature to this debt yet they continue to report this debt to the Credit Bureaus damaging my ability to obtain credit without clear validation. 

I sent a follow up letter on XX/XX/XXXX to request the contract bearing my signature to this alleged debt.
This complaint is for Barclay 's US bank ( Barclays Bank Delaware in XXXX DE ). I have multiple complaints about this back including : 1 ) Gross misrepresentation of the US Patriot Act in an apparent effort to illegally freeze accounts and or account access of US citizens.

2 ) Breach of contract for it's certificate of deposit holders 3 ) Failure to provide the legal documentation for accounts ( deposit certificate, statements, forms to close account, etc ) to US account holders, even after being told to do so over a dozen times.

4 ) Theft of the funds held in my account from me. 


I have contacted the bank over a dozen times over the past month and several other times in the past ( Supervisors XXXX XXXX, XXXX XXXX, et al have been involved in some of these requests ). They have been informed that they are in breach of contract by freezing my account and/or access to my account which I opened 3 years ago. I have told them numerous times that I never received any information in the mail at my legal address about my account, that they never even sent me an account number for my account, and that I find them in breach of contract. 

This bank is horrible and they are risking financial misery of all their US clients by grossly misrepresenting the US Patriot Act. They have stated to me that they can freeze accounts purely because a customer does not wish to risk his/her identity security by giving out confidential information over the phone each and every year to avoid freezing their accounts, and they are doing this only to have the customer prove that he/she is the same person and has not moved since last year. I know of no other bank in the USA that acts in such an extreme and radical manner. They have no basis or evidence to suggest any of my information has changed ( I still have the same name and reside at the same home, which I also own and the public records proves that ) and yet they are freezing accounts and refusing to send the account documentation to the account holder 's legal address - and even after they have been informed that said account holder wishes to close their account immediately and requires the necessary forms to do so. 

I have had this account for 3 years and even though I have complained many, many times they have not sent me one acknowledgement of the account with an account number or one statement.

I hereby request that the US Gov't investigate the practices of this bank. Every bank that operates in the United States mails a certificate of deposit statement, account statement, etc to the mailing address on record for the account yet this bank refuses to do so.
On XX/XX/XXXX I sold Test Voucher on XXXX The Voucher have expiration dates and the buyer was aware of it. 
The Buyer was supposed to used the voucher before XX/XX/XXXX on XX/XX/XXXX the buyer filed frivolous claim with XXXX and XXXX dismissed his claim. 
The buyer turn around and filed another claims with PayPal and PayPal refund the money without considering the facts. 
The transaction happened on XXXX and decide the case in my favor because they know the buyer was filing fraudulent claims. 
PayPal turn around and demand from me ridicules proof. 
PayPal intentionally ignored me and robbed me when they are aware that the buyer was not honest. 
The buyer claims with XXXX was not the same claim that he filed with PayPal. 
the buyer switch his story everytime and paypal refused to look into the facts that the buyer story is different every time and that the buyer did items was delivered.
I went online and selected the option to pay the balance in full on all 4 cards and now Im getting statements saying I still owe them money. I talked to supervisors XXXX ( XXXX ) and XXXX ( XXXX ) who stated the only place it says that when paying that amount is on the back of a statement. Which would be fine, but I chose to pay the cards off but when I did so it did say this doesnt include daily interest it just let me pay the balance in full.
XX/XX/2015 I signed up for a Citigold account via a promotional offer # XXXX that advertised XXXX XXXX XXXX miles after completion of XXXX requirements : { { {$1000.00} } } dollars in qualifying debit card purchases and one ( 1 ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. I was told I had been enrolled for the offer and just needed to complete the above requirements in order to obtain my bonus. So I completed these requirements within the allotted time, confirmed conditions were met with Citibank, and waited for my points to arrive. After more than 90 days had passed, I had still not received my bonus, so sent an inquiry via secure message. I was told to continue waiting. After more time had passed, I reached out again, and was told they would investigate the bonus offer. I also went into my branch where I have the account with {$50000.00} balance several times and was told I would receive the bonus but I have not yet received it. I was then sent a secure message that that I would not receive a bonus. I was eligible under the terms and conditions and met the requirements, yet they still would not make good on their bonus offer.
I have a combined statement for a period for my Mothers account ( XXXX ) between XX/XX/XXXX and XX/XX/XXXX. There is a checking and savings account listed but no credit card. I also have a combined statement for XX/XX/XXXX to XX/XX/XXXX. It lists a checking account, savings and a credit card ending in XXXX. I did not notice this until I went through the few hardcopy statements I have a few days ago. 
Since around XX/XX/XXXX and I was listed as POA, all statements or any mail from Wells Fargo was addressed to me or my Mother at my Tennessee address. There were never any credit cards sent for XXXX. At this point of time my Mother was having a lot of problems and we had to hire a neighbor so stay with her at times to make sure she ate something in the mornings or evenings and sometimes just to stay with her. My Mother was hospitalized XX/XX/XXXX at XXXX XXXX XXXX in XXXX. She would not have been able to request the card at the time in her condition. 
I understand that there were many accounts set up by Wells Fargo without the owners consent. This appears to be one of them. My concern is why was I not notified. It's to late to be a part of the class action.so what do I do. Is Wells Fargo off the hook for this or can the ignore it. How many other accounts were missed. I am expecting an answer from Wells Fargo.
I have lived in my home for over 13 years and have had a mortgage with CitiMortgage. I have gone through XXXX financial situations when I divorced and when I changed employers. The most recent issue came when I changed employers. When I changed employers my income went from {$1500.00} bi-weekly to $ 1500 monthly. I informed my mortgage company and asked for a hardship/modification. My current payments were {$1000.00}. which I had been unable to make but at the time I applied my mortgage was up to date. I was contacted by my mortgage company yesterday XXXX who informed me that I was approved and my new mortgage would be {$710.00} which was great because my take home pay is {$880.00} and I could pay a mortgage payment from XXXX check. After about 5 minutes I received another call from the mortgage company who told me that the information provided previously was an error and my payment would be {$1000.00} and I said that 's what I pay now how is that a modification? My issue is that I received a modification from this company before and my mortgage amount was almost exactly the same but I felt like I was compelled to accept it because I did n't want to lose my home because I have children. I am feeling that I am in a corner because I do n't understand why if I told them my pay has been cut in half and I need a hardship they believe its okay to give me the same payment and call it a modification. I believe that something shady is going on and I do n't know what I need to do to get to the bottom of the situation. I need a modification that will work for me and that I can afford. I want to keep my home but they really are n't giving me any options.
Hi, I have initiated a money transfer with Ria Money Transfer on XX/XX/2018 and normal processing time was 2 to 3 days. It's been more 14 days and whenever I contact the customer support they are mentioning the amount will be credited in 24-48 hours. I have been hearing this for past 10 days and so far no action. Tried reaching out to the supervisors in Ria customer support but no one is available to support this.

I have been following up with Ria for a Refund but have not got any positive response for past 10 days.

Please find the Transaction Number XXXX
I live in XXXX with my family like a permanent resident. The Bank closed my accounts and my family 's accounts at the same time, on XX/XX/XXXX.They reported that I would receive my money for 7 to 10 business days, I received only the letter that inform the bank 's decision to close my accounts, but I did not receive my money. On XXXX the XXXX that I was informed by phone that it could take 30 to 90 days from XXXX the XXXX, improperly changing the initial information I need my money.They cause inconveniences by closing accounts unilaterally and do not comply with what they report. Help me please. 
I presented the complaint number XXXX together with my son, you wrote to him saying that he could not present my claim, but they did not solve either of the two complaints, neither he nor mine.
I 'm confused I attempted to consolidate my loans so I could do income based repayment ( IBR ) and the public service loan forgiveness program ( PSLF ), but when I spoke to a representative from the program they said I did not have the correct loans. However, I was assured by the Great Lakes representative that this consolidation would put me on the path to loan repayment. I am very disappointed and confused- this cost me 11 months of payments. I do n't understand why there was the problem because I do n't have any private loans. Obviously, this misinformation benefits the loan company. I would like to know what recourse I have.
I received a call from Frontline Asset Strategies demand the balance of an account for about 750.00. I updated my information with the representative. I am aware I fell behind with some creditors. My contact phone number was verified as well as home address. We did discuss arrangements. I did advised the representative that I need to look over my paperwork at home as well as my finances. They did try to reach me later that week, but I was not at a place I could discuss the matter, or unable to answer my phone at all. Then they started contacting family members to reach me. Which is a violation under the FDCPA. We had verified contact information previously. There was no reason to believe the voicemail that IDs me was incorrect, nor was there return mail from my address. I have since requested information via mail only.I have since emailed them twice to validate the account that was purchased by a third party. They have failed to validate the account with information pertaining to the fees that have incurred and applied. Also they have not removed it from my credit if the charges and balance can't be verified. 
First request was emailed on XX/XX/XXXX and second email was sent XX/XX/XXXX.
As of the second email, the company has not validated the debit properly, but still reporting it on my credit.
XXXX of XXXX I signed a promissory note for a student loan with Wells Fargo. The loan refinanced a student loan I took out to attend XXXX University. When the loan was made I elected online delivery preferences for statements and notices. I received notices each month as expected through XXXX. When I logged-in XXXX XXXX, I noticed that all billing statements were missing for XXXX XXXX - XXXX XXXX. I messaged Wells Fargo, spoke to a customer service representative and a supervisor in order to track down the missing statements. I was told that the statements were not generated and were not historically available. The lack of billing statements hinders my ability to keep track of my loan. I setup direct deposit and online statements so that my time would be freed up to do other things, like work to pay off the loan. Wells Fargo states that the billing statements were not generated because they received a returned piece of mail, but it 's not clear why that should impact online billing statements -- I have n't experienced this with any other lender. I elect online statements that reduce Wells Fargo 's printing and mailing costs, but they 're not holding up their side of the bargain by making all of my statements available online. Please help. Thank you.
I sent XXXX XXXX to one very poor, deserving and aspiring young boy in XXXX for his school fees on XX/XX/XXXX. 
The transfer was put on hold because of some security checks. 
Fine. 
I was asked a copy of government issued ID-card. 
Along with receivers date of birth and current residence address. 
A colored copy of his government issued ID-card, date of birth and address, was posted to the given e-post address on the same very day. 
Since then I have sent them two reminding emails without getting any response at all. 
I have called their customer service twice. Both times, I got the same reply that they were waiting for the translation of the id-card. 
An id-card that constitutes not even 100 words and 6 lines in total. 
For last three weeks I have been running from pillar to post without getting anywhere. 
Please help that poor guy by getting this sorted out.
I enrolled into University XXXX XX/XX/XXXX. When I enrolled, I was told that I would not be using my loan, until I got into my higher classes. I was enrolled from XX/XX/XXXX to XX/XX/XXXX. Unfortunately, I got into a major car accident XX/XX/XXXX, so I had to drop from my classes due to many XXXX and doctors ' appointments. When I called my advisor, to drop my classes they told me that there was a balance left on my account in the amount of XXXX, they said that it would be sent back to the lender. Which at that time was XXXX. So, I waited, and kept checking my federal student aid report, hoping to see that they received it back. When I talked to University XXXX they said that it might take a little while to get back to XXXX, because they had just sold the company to Navient. I kept waiting. I eventually got tired of waiting and calling with no answers. So, I called University XXXX again. The first time I talked to University XXXX about the loan not credited to my account, was on Tuesday, XX/XX/XXXX at XXXX am. They said to keep waiting and that they did send it back to Navient on XXXX, XXXX, XXXX, they said to wait a little bit longer. I never saw it get credited to my account. I called University XXXX back again, on Monday, XX/XX/XXXX at XXXX. They said they would sent me a copy of the funds return letter to show Navient that they sent it back to them on XXXX, XXXX, XXXX. They sent it to me. When I got the funds return letter, I called Navient on Tuesday, XX/XX/XXXX at XXXX. I talked to a lady named XXXX. I explained the situation to her, she put me on hold to look at my account because she was having trouble with my account, it kept giving her an error message. When she got back on the phone she gave me no information about the loan being returned. She just tried to get around it. It is now XX/XX/XXXX and I still have no answers on where the money is. I really need help.
The company name is Portfolio Recovery Associates, LLC This company has harrassed me for over 2 years now, through repeated phone calls back to back, through the mail every month and even having the local XXXX department come to my house 3 times. They have already started leaving voice messages on my son 's phone, and even after I block their number they will use a different number to get through to my phone. 

When I was able to work full time I paid my bills on time, but when I got hurt on the job and was not able to return my bills have been piling up. When this company continued to harass me, the last visit that I got from the Sherriff office the officer advised me to just contact them and explain my situation. So I did and with me having XXXX and XXXX to which I take medication, I called Portfolio Recovery. The guy over the phone told me that this debt was not going away and that I needed to set some type of payment arrangement up to avoid further court procedures. I explained that I only received Social Security XXXX and struggle to keep the rest of my bills paid. He took my prepaid debit card information and had me set up withdrawals from my Social Security XXXX check. 
After a few withdraws from my Social Security check, I had to stop the automatic withdrawals because it was either pay my electric, water, auto insurance, and other bills or do without these needed services. 
On my credit report, I noticed that not only is XXXX who is the original company that I owed the debt was impacting my credit and asking for payment. Portfolio Recovery is also on my credit report with the same amount owing to them as well. Both XXXX and Portfolio Recovery have put late payment status and amount still due on my credit reports. Portfolio Recovery has continued to harass me since XX/XX/XXXX, through letters in the mail, and civil summons being served to me 3 times and repeated phone calls. 
On XX/XX/XXXX, I received another civil summons from Portfolio Recovery, I called and spoke to a lady over the phone and she immediately tried to get me to give her all my personal information. I explained to her that if she could please note my account that I can not pay this debt because I only receive Social Security XXXX and that even though they continue to have the Sherriff come to my house, I still can not pay this debt. 

I have a long call list on my phone as well, but I don't know how to get this information to you. I will reach out to the prepaid debit card company for my history of transactions, that will show when Portfolio Recovery started automatic withdrawals on my account and when I had it stopped.
I received a letter XX/XX/XXXX from ARA Inc. indicating I had a debt in  collections with " XXXX XXXX '' in the amount of {$11000.00}. 

I called the number of the letter indicating I do not own this account and never had a credit card with " XXXX XXXX ''. The person on the phone became belligerent yelling at me telling me it was my debt from XX/XX/XXXX. 

I informed them I never had a credit card with " XXXX XXXX '', never heard of this bank and had no intention of paying this supposed " debt ''. 

The person then hung up on me. This is most definitely a scam.
I have not received a final response, however I challenged with all XXXX bureaus a falsely identified item ( listed as a judgment entry which was later appealed and removed ) XXXX of the XXXX bureaus successfully removed the judgment from my credit file. However, I have had to file another investigation with transunion in which I argued that they did not investigate anything because if they did they would have removed the error like the other XXXX agencies did. I shortly thereafter received a letter that they would not be investigating any complaints on my account because they believed they were n't coming from me. I called and verified that they were coming from me and they need to work on the issues I am presenting while trying to clean up my credit report. 

To this date, the item has not been removed, it was originally to have been investigated more than 60 days ago.