WillisBack/dataset-financial-user-claim huggingface dataset:
My tenant ( XXXX XXXX ) used to send his regular monthly rent via his Wells Fargo Account. He will send money from his Wells Fargo account to my XXXX XXXX account. Wells Fargo has a very faulty implementation of XXXX ( XXXX is from XXXX XXXX XXXX ) for the money transfer.Wells Fargo has no other way to make inter bank money transfer like old traditional ACH. Wells Fargo are forcing to use the wire transfer which is costly. 
My tenant is more than XXXX years of age and this issue is happening 2nd time. 
Every time - myself as well as my tenant has to spend time dealing with non customer friendly Wells Fargo every now and then. 
Today I talked with XXXX and XXXX XXXX during XXXX to XXXX XXXX central time. 
They only have excuses : 1 ) Telephone line is not clear 2 ) You have strong accent 3 ) It's XXXX 's problem - go and follow with them 4 ) It's the  problem with your tenant. You can not talk on their behalf.
My home was completely destroyed by flood on XXXX XXXX, l was told by my insurance adjuster that they would contact Chase ( my mortgage carrier ) and arrangements would be made so l would not be expected to make further payments in lue of the mortgage being paid off. My insurance company sent several emails requesting information to process this interaction, but no response was ever received from Chase. Upon my request to contact my insurance company, Chase refused to respond saying that the insurance company did not need any information from them to expidite the payoff. Upon a phone conversation in which my insurance adjuster made to Chase, they explained that email was not an accepted for m off communication for them and all interactions had to be submitted by way of fax. No contact was made however by Chase to either myself or my insurance company to relay this information and so they ignored any requests that had been made by myself and the insurance company for information relating to my situation.l then made phone calls to Chase to explain the situation at which time after more than an hour and a half on the phone and being transfered to XXXX departments, l was told l could only avoid being reported as delinquent to the credit department if my payment was made before it was more than 30 days past due, which at the time, l was hopeful would be paid off by the insurance company by that time.After several calls to the insurance company and 3 more phone calls to Chase requesting ANY options available to me to avoid a negative report, l was told there was nothing available to me to help my situation. On XXXX XXXX l made one final call to Chase to try and work out any kind of arraingment, l was then told that a mortgage assistance program had been available to me since the beginning and had been set up to assist victims of the flood with exactly this problem! Had l been informed, a simple form should have been filled out and l would not have been responsible for any further payments until the insurance company satisfied the loan. Of course l was told that it was too late to fill it out then because not enough time was left to submit it before the end of business that day when they would be submitting not a 30 day delinquency, but a 60 day one, which they did ... Now that my mortgage is paid off and l am starting over, l must apply for a loan to rebuild a mew home, but probably will not be able to get, due to a drop in my credit score in excess of XXXX points. If our financial institutions have this little regard for people like me who maintained a perfect payment record for over 13 years to them, and because l was a victim of a natural disaster, l am being punished and mistreated, and inevitably will be the one to pay a very high price for THEIR incompatance, then how are we supposed to have any faith in the " system '' or in our governing bodies!!!
On XXXX XXXX, 2015, I called Network Capital to get a rate quote on an investor 15 year fixed-rate refinance mortgage loan on a residential townhouse that I am currently renting out. I stated up-front that I needed a quote on an investor loan refinance. The loan officer informed me that the range of interest rates of 15 year fixed-rate investor loan refinances is between 2.875 % - 3.25 % depending on LTV and credit score. Based on that representation, I proceeded to provide the loan officer with my information on the address of the property, the size of the loan, my salary, the fair market value, etc. He then stated that, since the LTV is at 60 %, I would be able to obtain the best financing at 2.875 % if my credit score is high. I assured him that my credit score is high and that I just want a quote. He said that he can not proceed with providing me a rate quote unless I provide him with authorization to pull my credit. I did not want my credit pulled, but with his representations that he provided that I would get the best financing at 2.875 % if my credit score is indeed high, I gave his the authorization to pull my credit. 
Upon pulling my credit, he determined that I have a high credit score. However, he then informed me that, since this is an investor loan, Network Capital will only provide an interest rate of 3.75 %. This interest rate is not the 2.875 % that the loan officer represented was available for those investor refinance applicants with a 60 % LTV and a high credit score. The 3.75 % interest rate is even beyond the interest rate range that he initially represented was available to investor refinance applicants at the start of the conversation. I would never have proceeded with the conversation and provided my personal information had I known that Network Capital was going to quote me an interest rate at 3.75 %. Further, I would never have authorized Network Capital to pull my credit had I known that the 2.875 % was not a real number for a 15 year fixed rate investor loan refinance. Dangling a phony teaser interest rate in order to induce me to apply for a loan and pull my credit is a clear Unfair, Deceptive and Abusive Act or Practice ( UDAAP ). In addition, I did not authorize Network Capital to pull my credit for a 3.75 % rate quote. That authorization, induced by a bait and switch, was invalid and pulling my credit report was thus contrary to the requirements of the Fair Credit Reporting Act. 
Further, the loan officer stated that Network Capital has a guarantee that it will beat any competitor 's rate quote. Accordingly, I sent the loan officer a GFE from a competitor on the same loan terms at 3.375 %. However, Network Capital failed to honor its rate guarantee by offering me a better rate or even the same rate as this competitor. Clearly, the advertised rate guarantee is phony in violation of UDAAP. 
Lastly, Network Capital never sent me a GFE on the application that I was fraudulently induced to submit. This failure to send me a GFE is in violation of TILA and RESPA.
I received an email from Wells Fargo on XX/XX/XXXXstating my XX/XX/XXXX mortgage payment was past due. I have always paid my monthly payment in two payments for example, a payment around XX/XX/XXXXand another around XX/XX/XXXX the combined total equaling the full amount for the XX/XX/XXXX mortgage payment. When I called, I was informed portions of my payments for several months had been getting applied to the principle balance and not towards my monthly payment ( the amount was never the same and it was also never the full payment I sent in ). For example if I sent in a payment of {$900.00}, {$140.00} of that was applied to the principle and not my monthly payment. Over months this has added up to an entire missing payment of {$2100.00}. Wells Fargo stated this was the risk I take by paying in two payments and that they can not correct the payments as it has been over 90 days, even though I did not know this was taking place until XX/XX/XXXX. I have made this full payment and they are now asking for another payment for XX/XX/XXXX. I have reviewed the statements and there is no mention that payments must be made in one single, full amount or that there is risk of payments being miss-applied if they are sent in separately.
Fay Servicing did not pay my homeowner 's policy from my escrow account on time, although there was sufficient funds to do so. My homeowner 's policy was cancelled on Friday XXXX XXXX XXXX. 
I did get an email that Fay paid the premium late ( XXXX XXXX. XXXX ). 
However, since the payment was made this year it has caused my escrow balance to be in the negative. 
Fay told my insurance agent on XXXX XXXX, XXXX that they were going to overnight the insurance payment. They did NOT do so.
We were served foreclosure papers and decided to call the XXXX from Core Advisory 's mail advertisement. The advertisement looked very promising as it states our new payment would be reduced down to a 2 % rate. The advertisement also stated that I am eligible to be a plaintiff to sue my lender so when I called, the conversation I had with XXXX XXXX was did not align with what the advertisement states however I was presented with another option to file complaint against my lender and XXXX informed me that will force my lender to negotiate better loan modification terms. After I paid them upfront {$2200.00} and additional {$120.00} separately to use their notary service, I got an interview with a gentlemen name XXXX XXXX he put together XXXX complaint letters to be sent off to my lender XXXX, US XXXX and my XXXX however after reading the complaint that was put together on my behalf was fabricated or inconsistent to what actually happened. I was better off writing this myself and felt if that was the case, why am I paying these guys over {$2200.00} just to write me XXXX XXXX half page complaints that is n't even factual? Another concern I have with this company is that they sent me a loan modification package and asked me to complete and as well as pay them another {$1800.00} to get the modification application submitted. This is illegal and violates not only the Wisconsin consumer protection act but also the FTC ( XXXX ) rules. I feel this company has taken advantage of me and I would like for them to return my money back as they failed to help me with my mortgage and securing me a loan modification.
I am looking to pay back the original loan amount that I took out to attend XXXX  school ( {$170000.00} ). I have paid {$36000.00} over the past 4 years and the loans continue to increase every month. Again I have a lender that is willing to pay the {$170000.00} for me right now but I need help in making this happen. The interest rate they are offering me is extremely low and will help both my family and I. The loan company has made {$36000.00} from me in the interest I have paid them. I am currently on the IBR plan which takes 15 % of my income for my payment. If I were to lose my job they would n't receive any money at all. It just really seems criminal that the government can continue to take money from people and the balance continues to increase!
Since XX/XX/XXXX, I have been trying to solve credit fraudulent charges on my wells Fargo credit card, in the amount of over {$4000.00}, in which I did not make, nor authorized anyone to do so. Nor did I ever told anyone at wells Fargo the CV Code on the back of the e card, because, I did not have the card in my possession. I have spoken to every one there from the executive office to the fraud dept., claims dept., and so on, yet the only credit back about {$900.00}, not the entire about of fraudulent charges of over {$4000.00}, as requested on XX/XX/XXXX, claimer taker by the name of " XXXX '', who later on, I found out through the claims dept.-Supervisor, who told me, that she did not a lot of the items. However, she was to send me a new affidavit with what she added on to the form, if any other charges are listed for me to list them all, and send it back to them, in which I did in XX/XX/XXXX, along with the Police Report, Ft reports, and letters from me. Yet, each time, I call, I tossed around on the phone to different department, with different stories to tell me about my claim. It seem like no body at wells Fargo is Incompetent enough to handle this case, especially when they have some one calling me from the department in which does not handle fraud issues. As far as I am concerned, I have come to believe all that the media has to say and make consumer aware about wells Fargo fraud business dealing s with their customers. However, I am refuse to be another one of their statics. I REFUSE TO BE PENALIZED FOR FRUALENT CHARGES, IN WHICH WAAS NOT MADE BY ME, UNDER ANY CIRCUMSTANCES, ESPECAILLY WHEN I HAVE BEEN IN AND OUT OF HOSPITAL DUE TO XXXX FROM XX/XX/XXXX TO XX/XX/XXXX.
I got a reply, but I couldn't get the answer I wanted. 
The bank is shirking its responsibility by answering that it is not its authority. 
you must be transfer responsible department about this issue. 
I got the money back. after in ten days
XXXX accounts were opened under my name without my authorization. When I inquired about the accounts with the bank, the bank presented me with an authorization card with a signature purporting to be mine. I never signed the document they presented. I have been waiting for the results of their internal investigation for over two months and have not received any information from the bank as to who forged my signature or why those accounts were opened.
I have a XXXX XXXX XXXX card from XXXX XXXX. They are ilegally calling me several times a day from a unlisted number. I work in finance and you are not supposed to call from a blocked number.
On XX/XX/XXXX I went inside my nearby Chase Bank to cash some savings bonds. I went to the bank and was told i would receive XXXX $ in true amount they had matured into. On XX/XX/XXXXXX/XX/XXXX the DAY BEFORE XX/XX/XXXX WITHOUT WARNING OR PERMISSION took out XXXX XXXX After almost a month they just decided to take money out of my account and said it was an error on their part but offered no apology and said it was authorized. It wasnt. I was planning on using that money for rent and my basic needs and because of a mistake they made they were just allowed to take the money out?!?? They didnt even tell me or ask me but just did it right before the holidays. It ruined my XXXX!!! They take out overdraft fees as fast as they can when I make a mistake and wont give it back but when the bank makes one they can TAKE EVERY CENT FROM MY BANK ACCOUNT. 
Whats worse is that since they out my account in negative, an app of mine out money in to stop an overdraft fee but now I owe another company money because of what Chase did.
This is a debt that was charged by XXXX  for internet after multiple attempts to close the account. I moved from the residence and was forced by XXXX to open a new account due to a new zip code and they did not close my old account and continued to charge me on both accounts- my new residence as well as my old one. my new residence 's account is still open and currently paid in full. this charge is not valid and i have tried telling the collection agency this, have given them my current accounts number, and disputed the collection on my credit report and they are still saying the debt is valid. 

Details are as follows : Opened XX/XX/2018 ( 8 mos ) Account status Open Original Creditor Name XXXX XXXX XXXX Creditor information- EASTERN ACCOUNT SYSTEM, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CT XXXX
An XXXX report indicated that Equifax provided my credit information to " XXXX, XXXX XXXX XXXX, XXXX '' without my permission on XXXX/XXXX/15. " XXXX '' is actually " XXXX '', which apparently has a very long record of this behavior. Thanks for your assistance!
I have the AMEX Platinum Card and have been assigned a Preset limit of {$5000.00}. They obtained inaccurate information of my FICO score from XXXX with out notifying me on XXXX XXXX, 2017. They claimed it to be a XXXX ... My score today is a XXXX. It has not been that low in a couple years when I had no credit. They also said I had a couple delinquencies which is also not true. I also only had 1 credit inquiry at that time when they said I had " too many on my report in the last 12 months. '' I want them to make sure they are checking the right score and that they take off the pre-set limit. I have never missed a payment with them. I love the card, I 'm just disappointed about them not having incorrect information.
On my trans union credit report my name and address are wrong and they are accounts and inquiries that are n't mine
I sent Transunion a letter XXXX XXXX 2015 questioning several accounts on my credit reports. I sent the same letter to the other XXXX credit bureaus. They responsded. Transunion has not yet responded and it is way over 30 days. They were supplied with copy of my drives license, social security card, and a current bill copy. No reason to not write me back.
I have been garnisheed numerous times over the last 25 years. I owed the IRS and any garnishees previous were discontinued. I paid off the IRS and suddenly a garnishee re appeared. The current XXXX is Providian Bank or actually the collection agency who bought the debt. It has been so many years I have no idea who. After this I am in understanding that a XXXX XXXX who purchased debt is waiting in the wings and placed a judgement XXXX of 2014 which I have no paper work for and no idea who it is for. Any credit cards that I have been garnisheed for are at least 15 years old, probably more. Most of the garnishments on me were placed and I ca n't even begin to tell you by whom and I may be paying debt more than once. I am please asking for this to be looked into and help me if possible.
I have filed for a loan modification and was just recently informed that it was denied because I took to long and did n't have the money to make the 31 % money in excess. Now I have been waiting for a period of over a month to be told that my paperwork was put in late but I went through a credit counseling agency that looked over all the paperwork, submitted for me. If it was n't for the mortgage company taking their grand old time telling me over and over I was missing documents, the paperwork would have been out arrived in time and they never mentioned that to the credit agency that submitted the paperwork. 
For the last month I called and was kept being told it was in review. However on XXXX XXXX I was told it was denied. The practices of this mortgage company to me are morally dishonest because they said if I came up with XXXX dollars then they would work with me. 
None of these do called programs have been able to help me and my wife and I are both XXXX and now will be evicted from our home. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NJ XXXX XXXXXXXXXXXX could help us, I find that totally unbelievable.
This problem originates with a school that has since closed down and left few options for continuing education without starting over and it ends with the shady practices of the financial aid department who promised me they were finding me all federal loans and than had me sign off on a loan private loan from a institution I was provided little information on. A naive and unlearned XXXX XXXX XXXX had no knowledge that this was a private lender and thus required immediate repayment of loans and at a then exorbitant rate. <P/>Student loan from Granite State Management & Resources Received initial disbursement of {$3300.00} on XXXX/XXXX/XXXX with two subsequent disbursements of {$3300.00} and {$3300.00} on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, respectively. Total loan of {$10000.00}. My interest rate is currently 4.29 % I have currently paid {$6900.00} of the principal yet still owe {$4800.00} due to {$1700.00} in XXXX XXXX. <P/>My current monthly payment breaks down as follows : Total : {$90.00} Interest : {$48.00} Principal : {$41.00}
The large Equifax hack leaked my personal financial identification data. My credit cards, XXXX, and other personal identifiable data could potentially be used to steal my identity and commit fraudulent financial acts.
To Whom It May Concern : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 
Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
To : Consumer Financial Protection Bureau I am writing to bring to your attention an issue that I am having with a Debt collection company under the name of XXXX XXXX XXXX XXXX ( XXXX ) XXXX sent me a letter where advised that Toyota Motor Credit Corp asked them to collect from me the amount of {$160.00} because according Toyota Motor Credit Corp records after I returned my XXXX leased vehicle by ending XX/XX/XXXX I got an outstanding balance. I first never received notification of a charge against me and this collection letter doesn't explain the reason why I owe them money. I immediately took steps to see what was going on and I decided to call Toyota Motor Credit Corp and  clarify this issue they couldn't explain me the reason why I am getting this charge about it and beside that they were rude over the phone and refusing to talk to me and telling me that I have not longer account with them and I had to be direct to the collection company this happened twice in two different time that I tried to resolve this issue with Toyota Motor, and they kept re-directing me to the collection company. After feel so frustrated I decided to call the dealer XXXX XXXX where I returned my XXXX leased and spoke with same sale person who took my leased back and sold me a new XXXX leased and he checked my records and he said Toyota Motor Credit Corp is charging me because I didn't return the 2nd Key from my XXXX Leased and I called again to Toyota Motor Credit and advised them that I still have the XXXX Leased key with me that I can return it and also I asked them how you can charge for something that I wasn't aware that I will get charge if I don't return also there is not where saying that I have a time frame to return the key and get charge for if it doesn't get returned. I am very concern at this time because they sound not be reasonable and careless if they make a negative mark on their customer credit records for something can be resolve in the right way. Once again I never get any disclosure that I had to returned the 2nd key in a time frame if not I will be charge for. This is incorrect and not acceptable. I really appreciate if someone can assist me in this matter. Thanks!
Hunter warfield never send anything to my adress about a debt.but yet keep contacting me forXXXX dollars.