WillisBack/dataset-financial-user-claim huggingface dataset:
Received letter from Wells Fargo Card services dated XX/XX/2017 stating Subject : Your balance transfer request in amount of {$1500.00} has been processed and transferred to your designated deposit account.I received this letter on XX/XX/2017.I received a phone call from Wells fargo representative on XX/XX/2017 asking me if I was familiar with a credit card ending in XXXX.I answered No.Rep.Do you have any credit cards ending in XXXX.I checked my cards but none of them had that number I said.Why do you ask? Well, it appears that someone deposited {$1500.00} into your checking account.and we are trying to find out who the card belongs to! It is possible that it could have been hacked from outside the country.I said if you have the last four numbers then you must have the other 12 numbers & the security number on the back in order for the transaction to be successful.right? yes but we are contineuing our investigation of the matter.OK, let me know what you find out but I never heard of someone depositing money into an account, its usually the other way around.what should we do in regards to this credit card ending in XXXX? Rep : I would suggest you close that account.OK can you do that or should I call someone else to handle that? No, I can close that account for you and order a replacement card also for you.OK, we better do that then.Rep : will it be inconvenient while you wait for a new card which should arrive within 7 to 10 days? I said no problem at all.Will This closing effect my credit rating? No not at all.Then I understand that you did not make a balance transfer? I answered no and if I wanted to it would be with one of your balance transfer checks that always are in your billings, ect.in person at your bank.Do you have a balance transfer check from me that I signed & deposited with your bank? No, we do not have any paperwork at all.Now, two weeks later on XX/XX/2017 I receive credit card bill for {$1500.00} in mail but not with card XXXX but rather the new card No : ending inXXXX.even though the bank Rep : indicates an incident took place illegally causing the closing & opening of a new card for number forthat reason.The billing also indicates in purchases section '' Ballance transfer with card numbersXXXX including all 16 numbers dated XX/XX/2017 for XXXXwhich was a previous payment made onXX/XX/2017. & then added to the {$1500.00} billing.If you would ask For copy of resolution letter sent to me from Wells Fargo Card services dated XX/XX/2017 from their credit card fraud claims dept.you will see why I am requesting your assistance in this matter.Thank you kindly in advance.My phone No:XXXX if you need more information.My credit rating is great and I am worried this could cause me a negative rating as I am almost XXXX.Never experienced anything like this with any bank or credit card Company.
According to HUD guidelines ( see 24 CFR 203.604 ), a face to face home visit was supposed to occur prior to the start of foreclosure activity being conducted by Wells Fargo. Initially a certified letter should have been requesting a face to face visit. Then a Wells Fargo representative is supposed to come to the home to make the request in person. This did not occur. HUD guidelines are very clear that this must happen before a foreclosure filing can happen.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX To : Customer Advocate Services Team American Express XXXX XXXX XXXX, XXXX XXXX XXXX, UT CFPB Ref No : XXXX Ref : XXXX XX/XX/2019 American Express To whom it may concern : Im appreciate to your respond on XX/XX/2019. but I still dont understanding your explanation, As your advertisement : Earn {$150.00} back after you spend {$1000.00} or more in purchases with your new Card within the the the first 3 month of Card Membership, you will receive the cash back in the form of a statement credit, This is my first time to applied for American Express Cash MagnetCard , would you provide any evidence for I have broken your rules and cause to ineligible for the welcome offer? 

Sincerely XXXX XXXX
Recently, I went to use my Barclay Rewards credit card only to have the purchase declined. I found that very surprising because I was n't contacted by Barclays before the decline. I was even more surprised since in an effort to reduce my credit card balances I used my entire annual bonus I received to pay down my total credit card balances by over 25 %. I made it a point to pay Barclays the most - I paid my card down {$900.00} on XXXX/XXXX/16 via eft. I also made a regularly scheduled monthly payment to Barclays, and do n't believe I was ever delinquent. 

When I got home on XXXX/XXXX/16, the same day of my declined purchase, I immediately called Barclays and spoke to a few individuals ( rep last name XXXX, ID XXXX and also XXXX, ID XXXX ) who simply said my account was closed due to negatives items on my credit report. 

Yes, I know I have some, but for Barclays to close my account AFTER I made a substantial payment to them and other creditors was devastating, and honestly I think disingenuous on their part. To make matters worse, I know their act of closing my account further damaged my credit rating! It should be noted that NONE of my other creditors closed any of my accounts and XXXX XXXX actually reached out to me to work out a payment plan that I also completed on XXXX/XXXX/16 AND they have reactivated ALL privileges on my XXXX accounts I have with them - despite the fact that I was previously delinquent on my accounts with them! 

The point is to demonstrate the totally disparate treatment I received from XXXX creditors - XXXX, XXXX XXXX reached out to me to resolve my issues, the other, Barclays, closed my account AFTER I made a substantial payment and without advance notice. Although the date of the notice that finally did arrive from Barclays, and it was dated XXXX/XXXX/16, I know for a fact it came days AFTER my purchase was declined. 

Ironically, just today, XXXX/XXXX/16 I received another notice from Barclays dated XXXX/XXXX/16 acknowledging my complaint, and giving me an XXXX to call. Now, why would I waste my time at this point when the damage is done?!
My son received academic services through XXXX XXXX XXXX. When I was referred to XXXX in XXXX of XXXX, my husband and I were informed that our son could receive one-on-one, in person, tutoring services from one of XXXX 's academic tutors for three years. The start of services were provided through a one-on-one format with one of your academic tutors, but after the eighth sessions my son was informed that he would be receiving academic tutoring services via computer format. My husband and I were never informed that academic tutoring services would be switching from a one-on-one format to a computer format. We would not have signed up for XXXX 's services if we knew that they would be on the computer and not in person. This was not the type of tutoring service we pursed for our son, and I followed up with a representative of XXXX in XXXX of XXXX via telephone requesting to terminate services, in which I was initially denied and informed that nothing further could be done because the contract date had passed to cancel. Despite our rescission of the contract in XXXX XXXX based on this misrepresentation, Equitable Acceptance, who financed a revolving credit plan for XXXX 's services, has been attempting to collect {$1500.00} from us. Attached to this complaint are copies of the billing statements and the XXXX XXXX, XXXX letter sent to both XXXX and Equitable Acceptance reiterating our grounds for rescission and describing the provisions of California 's Consumer Legal Remedies Act violated by XXXX 's conduct. Instead of validating the debt in any way or responding to the content of the letter, Equitable Acceptance instead sent a billing statement on XXXX XXXX, XXXX. I believe this was sent in violation of the FDCPA and California 's Rosenthal Act.
Description from my complaint : On Monday, XXXX XXXX, I attempted to use my debit card and it was declined. Knowing there were funds available, I called the customer service number at Santander. I spoke to a woman who informed me that my card had been flagged for fraudulent activity and canceled/put on hold on Friday, XXXX XXXX. I never received a phone call telling me this. I tell her the charges on the card were not fraudulent, as I was traveling for work all week and weekend and had purchased the items. The woman then lifted the freeze on my card, and I was able to make an online purchase. 

A few hours later, I go to use my card again. It is declined. I call the bank back and am hung up on in the middle of speaking to someone twice. I call back a third time. The woman is so rude to me regarding the charges that I tell her I will go to my local branch. I walk to my local branch ( XXXX ), and the manager there informs me my card has this time been canceled, confirms a new one has been ordered, confirms my address and I leave. 

That was XXXX XXXX. Today is XXXX XXXX. After going to the bank numerous times and having the card sent to XXXX separate addresses, I have still not received a debit card. I have not had a debit card for my account for 43 days. 

I have already filled out a survey explaining all of this following my calls with the customer service center. No one ever called me. I have never been contacted regarding my issues, despite numerous phone calls and visits to my local branch. The service I have received, particularly being a new customer, is borderline unbelievable. 

At this time, I have gone on my online banking on my own and ordered a new card, and put in a THIRD address, hoping it would come there. To be very clear, both my home and the additional address I used ( work ) are extremely secure, so neither of these are instances of mail disappearing. They simply never arrived. 43 days later, I 'm ordering my own card, having never been contacted by customer service and still without a card, which I 'll spend another week waiting for, hoping it will arrive.
Midland credit management , inc . Sent me 2 threatening letters in less than a month. In the first letter I received I was given until XX/XX/XXXX to reply or they may forward my case to an attorney in my area. 
The second letter I received gave me until XX/XX/XXXX to reply. The second letter is dated XX/XX/XXXX. I received the letter on the XXXX. I dispute this debt, and I feel threatened and intimidated by the language they used, and the tactics they are using
XXXX is attempting to collect a debt I do not owe to it. 

I ordered internet service on XXXX XXXX, XXXX. I was subsequently sold cable television service by phone. There was a 30 day money back guarantee as to both services. On the second occasion in which I took off work to wait for cable installers that never came, I canceled the service and returned the equipment to XXXX on XXXX XXXX, XXXX which was well within the thirty days. 

I later received a bill from XXXX and called and spoke to a representative on XXXX XXXX, XXXX. After reviewing my account she informed me that all charges would be removed within 48 hours because the package had a 30 day money back guarantee and I had disconnected and returned all the equipment on time. 

Despite this representation, I next received a letter dated XXXX XXXX, XXXX from debt collection agency XXXX XXXX XXXX seeking to collect for XXXX. I responded in writing denying the debt and explaining why including copies of all relevant documentation on XXXX XXXX, XXXX. 

I never heard another word about it but learned in XXXX XXXX, when I was buying a car, that this was on my credit report but showed as disputed. 

Recently ( in and around XXXX XXXX ) I started receiving debt collection telephone calls from a new company regarding this matter. The new company is called Diversified Consultants. I have received multiple daily phone calls which have continued even after I told their representative that I did not owe this and after they have sent me a letter dated XXXX XXXX, XXXX which gives me 30 days to respond. 

At this point, I am at a loss of what to do because when I provide them a written response and evidence to prove that I do not owe this debt they nonetheless report it to credit bureaus and just send it to new companies to collect. I do not owe it and I am tired of being constantly harassed. This needs to be resolved and the matter needs to be removed from being reported against me to all XXXX credit reporting agencies. Further XXXX, XXXX XXXX XXXX and Diversified need to be penalized in whatever manner it is possible for their conduct. Specifically, XXXX failed at all points to competently handle this matter and to have forwarded it for collections not once but twice and to have negatively impacted my credit report when their own records reveal I do not owe it. XXXX XXXX XXXX failed to competently reflect this matter as a debt not owed and negatively impacted my credit report and Diversified Inc. is engaging in telephone harassment in attempting to collect a debt that is not owed and engaging in the repeated daily phone calls even though I am within my timeframe to respond in writing.
On XX/XX/XXXX, I received a letter from PayPal Credit thanking me for opening an account. 

I did not open an account and I do not have a Paypal account. 

On XX/XX/XXXX, there were two {$1.00} charges from Paypal against my XXXX  XXXX XXXX credit card. XXXX said there was fraudulent activity on my XXXX card, so they closed it and issued a new card. This is not a complaint about XXXX. 

On XX/XX/XXXX, I received another letter from Paypal credit saying they suspected suspicious activity on the PayPal account and they gave a number to call. I called the telephone number, but the woman demanded my date of birth and last 4 digits of my social security number. I did not give them this information. 

On XX/XX/XXXX, I received a statement from Paypal Credit saying I owe {$800.00} I have received many harassing robo calls in the past few months.
I don't recognize the company XXXX XXXX XXXX date reported XX/XX/XXXX for the amount of XXXX. 
Diversified Consultant is saying owe the same amount as XXXX.. I don ; t agree  with these action and believe it needs futher investigation. 
dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All of the amount show XXXX.
I recently have been working on my credit and when I got an alert from Midwest recovery for collections - I was shocked. Not only am I unable to verify any correspondence since 2012 - when they are saying the account was open but they have the incorrect address on file. I do n't understand how after 4 years this can pop up without any prior notice. I 've had the same address for over 3 years and has been updated on all my credit reports. If they were to properly provide a notice of attempt to collect a debt - they could have easily found my home address. In XXXX Carolina, by law a debt collector can not continue to attempt to collect a debt without good faith attempt to contact the individual. I have not been contacted at all. Please help in getting this off of my credit reports and have the company provide proper service proof of debt.
Sadly it has become necessary to file a chapter XXXX. I have retained an Attorney and preparations for a bankruptcy filing are being made. My Attorney has instructed me to direct creditors to his office. In XXXX/ XXXX of this year ( 2016 ) I notified several of my creditors of this development and all of my creditors with the exception of one have shifted communication to his office. I have a loan with First Heritage Credit,XXXX, TN XXXX Voice : XXXX Fax : XXXX In addition to making initial notification of the impending bankruptcy by phone to them in XXXX/XXXX. 2016 I also sent them via certified mail on XXXX/XXXX/16 a correspondence which served as my cease communication written notification. I again re-iterated my Attorney contact information in this communication that was received and signed for by First Heritage Credit on XXXX/XXXX/16. This communication also had the following FDCPA excerpt enclosure which highlighted point # 2 : 805. Communication in connection with debt collection ( 15 USC 1692c ) ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- ( 1 ) At any unusual time or place or a time or place known or which should be known to be inconvenient to the 15 USC 1692b 15 USC 1692c 805 15 USC 1692c consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX o'clock antimeridian and before XXXX o'clock postmeridian, local time at the consumer 's location ; ( 2 ) If the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer ; My Attorney information is available upon request incidentally. 

Despite these developments First Heritage Credit continues to make collection calls and has now begun to also harass the personal references I provided at the inception of the loan. I have three dated recordings from them ( XXXX and XXXX ) saved on my phone at present. 
Since I am also choosing to publish this complaint I am including this link : XXXX which give a lot of good information about repeated calls to debtors and references as well as a reference to a written cease communication. 
I see multiple violations regarding the conduct of First Heritage Credit in this matter. 
Thank You for the opportunity to file this complaint.
Last XXXX, Paypal placed a limitation on my account and blocked me from access for my balance. I was told that Paypal may hold my balance for up to 180 days. 180 days have come and passed, Paypal still blocked my access to my balance.
Navient Never told me that the interest rate on my loans were accruing. I went from XXXX to XXXX I need my principle lowered.
I was approved for a BestBuy storecard and my card was compromised when my identity was stolen. I submitted a fraud claim for the charges on my BestBuy card and according to BestBuy they have completed the fraud claim but I have not received a replacement card. It has been several months since they have completed the fraud claim but as of today I still was not issued a replacement card.
Citibank solicited my application for their neew Simplicit Card which offers 21 months of 0 % APR on balance trqnsfers but did not disclose the 5 % initial fee charged to the account
I am the sole owner of a XXXX that has been in business 36 years. Equifax Commercial Solutions continues to provide inaccurate credit reports to potential creditors. Worse yet, they refuse to tell me what companies are providing negative reports - they simply say things like " Business Lease '' or " Trade Account '' or " Commercial card ''. 
I have repeatedly requested that Equifax tell me who the creditors/vendors are so that I can confirm that these are my accounts. However, they refuse to do so. Attached is a copy of their most recent response which states that they will not identify the reporting companies. Therefore, reporting companies can continue to provide incorrect information and I can not find out who is making these incorrect statements in order to get them corrected. 
Meanwhile, Equifax Commercial Solutions is providing a false picture to my potential creditors and damaging my opportunity to establish accounts. 
Before submitting this report we called CFPB and were assured this request can be dealt with by CFPB. 
The following key documents are attached : XXXX XXXX, XXXX - my first letter to Equifax Information Services informing them there are errors in the credit report and requesting they correct the errors. 
XXXX XXXX, XXXX - my second letter with a list of discrepancies and a request they correct the report. 
XXXX XXXX, XXXX - my third letter detailing continuing errors in updated information they sent me on XXXX XXXX. 
XXXX XXXX, XXXX - my fourth letter listing the remaining XXXX accounts that are still in error and requested name of the party making the report so that I could get it corrected. A dispute form was included for each account. 
XXXX XXXX, XXXX - my fifth letter requesting a response to my XXXX XXXX letter. 
XXXX XXXX, XXXX - an email I received from Equifax stating that they will not tell me what companies are submitting the incorrect reports for which I have filed dispute forms. The data I receive simply says " Trade account '' or " Business lease '' or " Commercial card. " This leaves me with no way to get the misinformation corrected. 
Fair resolution : Equifax Commercial Information Solutions immediately provide with the name of the creditor and contact information for each of the remaining XXXX unidentifiable accounts on the credit. report. Also, provide me with a specific person in Equifax whom I can contact for follow-up. 
I will attempt to confirm that each of these accounts is indeed mine and that the information is accurate. Upon receiving such verification or correction, I will notify the person Equifax Commercial Solutions has designated as the contact. 
Immediate action by Equifax Commercial Solutions to correct the report and promptly provide me a full copy of the corrected report at no charge.
The Discover Financial Services placed my account with Atterney Office for Collection where the action of the firm affected my health condition that may arise based on my past condition, which I prefer not to share as it is private and confidential information. The name of company or person ( XXXX ) XXXX XXXX. 
I rejected to speak with anybody from this office and having preference based on my experience at working settings with this office not to have any conversation at all for harassing and insulting action following with mental abuse that affected my health condition and issue. Please consider this complaint seriously to resolve the issue of Financial Fraud and changes on my account due to change of numbers on my account with Discover. this person must be discipline for his harassing and discriminating actions as me personally as company where I work at the current moment that affecting all other employees as well. 
Very unfriendly personality unwilling to communicate have a lack of managerial skills and ability communicate normally with people especially customer service.
Just yesterday, I had seven calls during the day from Ally Auto. Yes, I understand I owe a payment. You have left me a voicemail message. I will respond to it if I stop getting six other calls throughout the day. They change the phone number they are calling from, but it is the same company. Today, I have had five already. On Sunday, they started calling at XXXX On a Sunday. Call one time per day, leave a message. That is how fair collection is supposed to work. Not harassing someone with more than 15 calls in less than 72 hours.
We have two mortgages for investment property with PNC Bank. We have continuously tried to get them to include the property address of the mortgages on the escrow account statements and other correspondence, with no avail. Because they are not including the address, they have misapplied tax and insurance payments on numerous occasions. 
The properties in question have the same street address, but different building numbers. We have mortgages with other companies that include the mailing address along with the property address of the loan in question. We are not asking a lot to have the property address listed on ALL correspondence. Therefore, we are asking you to contact them to assist in resolving this matter.