WillisBack/dataset-financial-user-claim huggingface dataset:
complaint : ( 1 ) refuse to close my account despite multiple requests to close the account in order to charge more fees ( 2 ) refuse to address customer 's concerns under the disguise that they could not " verify '' the customer due to use of unreasonable questionaire.

On XX/XX/XXXX afternoon, multiple " phone calls '' and " internet chats '' were made to inform you that IRS had fraudulently tried to cash a check of {$28000.00} after I had paid IRS the same amount online. You refused to listen to my concerns. Instead, you illegally charged me {$36.00} " NSF fee ''. Over the phone, your first " bank teller '' asked me some ID questions and then proceeded to ask me detail about my account activities. I told her that I do not remember my account activities and I did not have access to a computer to know the account activity. That bank teller then told me I " fail '' the identification test and I must " email '' her my driver license before she can talk to me again. I told her I can not send her my confidential driver license information using email because the risks of identity theft. I told her that she can verify my identity using other questions. I then asked to speak to a supervisor. After more than 1 hour of waiting, the supervisor told me the same thing. Unless I emailed the bank teller my driver license or come to a local branch to show my ID, I can not access my account. I told her I live in Texas and can not come in to a branch. I told her I had something very urgent I need her help and she can ask me other ID questions. The supervisor told me I either " comply '' with her demand or she can not help. I asked to speak to her supervisor and she said the second-line supervisor is not available but will call me. I then called several more times and were told my account is " locked '' until I sent the bank teller my driver license using email. But I was able to login to my account and attempted to " chat ''. The " chat '' person told me I have to " call ''. I told the " chat '' person they " lock '' my account. She/he then told me I had to " call '' again or come into the branch. After several " chats '' with different people, it went nowhere. The next day, no " supervisor '' ever called me. 

To protect my money, I ACH my remaining balance out. On XX/XX/XXXX, I sent you a message using your electronic mail system when I login ( see attached ). I demand you stop all transactions and close my account. The next day, you replied and said you can not help but I can do it by " chat '' " call '' or " at a branch ''. I had tried all above methods except walk-in and everyone had refused to address my problems. Instead, You continued to pile up more " fees '' despite knowing my demand to close my account and stop harassing me. 

On XX/XX/XXXX, I made my final request to demand you close my account and stop charging me illegal fees ( see attached ). Again, this fell on deaf ears. On XX/XX/XXXX, I received a " demand '' letter saying I " overdrawn '' my account and owed you {$100.00}. Again, the account is closed and I don't owe you any money.
We purchased a used Harley Davidson motorcycle in XX/XX/2016. I have often signed into my online account with Harley Davidson Financial and scheduled my payment for a date later than the due date. I do this prior to the date the payment is due. Well, the due date is the XX/XX/XXXX ... ..starting the VERY NEXT DAY, I begin getting multiple calls every day asking about my PAST DUE account. Every time, I tell them to check my account ; I have scheduled the payment for later. Every time, they ask why. Every time, I tell them it's because of how my paychecks fall. My scheduled payment is normally 7-10 days after the due date, so it's not like I am skipping a whole month 's payment or anything. I just don't understand why they have to REPEATEDLY call me when they can plainly see I have scheduled the payment. They have no leg to stand on anyway, as my personal banker explained to me that even if they say there is no " 10 day grace period '', by law there is one. They are not supposed to call you until that 10 day grace period is up, but regardless, I have a scheduled payment. There should be no calls to my work or cell phone, much less multiple calls every single day until the scheduled payment has been made.
On XXXX XXXX, 2017, I purchased an Espresso maker - XXXX XXXX MINI ESPRESSO MACHINE - for {$1900.00} plus shipping of {$24.00} for the total of {$2000.00}. The merchant name -- XXXX XXXX XXXX XXXX. The payment was made from my home state online using CAPITAL ONE VISA " QUICK SILVER '' credit card. 

On XXXX XXXX, I received the merchandise however the merchandise received was not the merchandise that I had ordered. Instead of XXXX XXXX Espresso maker, I received XXXX XXXX ESPRESSO maker ( this model is primarily used for pods v. Ground coffee ). VP of XXXX XXXX XXXX apologized ( a written email is on file and is available on request / was mailed to the credit card ) and promised to issue refund as soon as I return back the wrong merchandise. On XXXX XXXX, XXXX XXXX sent a return UPS label XXXX. I returned the wrong merchandise which was received by the merchant. The merchant confirmed several times in writing that he will issue a refund, however on XXXX XXXX, XXXX XXXX stated that, " XXXX XXXX is the XXXX XXXX '' ... And therefore, he will reduce the refund by the re-stocking fees of {$270.00} and {$55.00} of shipment charges. 

There was no prior statements claiming that XXXX XXXX is a substitute for a XXXX XXXX. 

There is a Web site from an independent authorised XXXX dealer that shows a difference between two machine : XXXX   A difference is obvious even for a non-expert. XXXX XXXX weighs 35 lbs while XXXX XXXX weighs 50 Lbs. XXXX XXXX is made for pods unless the machine has been altered. I paid for and purchased XXXX XXXX espresso machine for ground coffee. 

I have a packing slip on file showing that the machine delivered to me was Mini XXXX PODS MACHINE ( a copy of the packing slip was mailed to the credit card company ). 

I made numerous attempts to reconcile the situation with the vendor, asking for a refund or the ordered merchandise. 

I finally filed a dispute with Capital One credit card company. I informed the credit card company that I have all written documentation to substantiate every statement I am making. They did not want any documents. 


Capital One made a determination that the vendor was right despite the fact that the vendor had not provided any documentation ... .just a written statement in size 18 fonts that XXXX XXXX machine is really a XXXX XXXX .... 

The vendor also alleged that I was not in contact with him - which was an openly false allegation. I have multiple emails sent to the vendor demanding a refund or a delivery of the merchandise ordered. The copies of the communications were sent to the credit card company. 

After the " involvement '' of Capital One and the fact that they sided with the merchant, the merchant stopped responding. The credit card accepted a statement from the merchant as the only " proof '' and " verification '' despite the fact that the Credit card is aware of the fact that the merchant has not delivered ANY merchandise and I have been in fact embezzled of {$2000.00}.
On XX/XX/2017 I requested Wells Fargo Bank to pay my Water/Sewer Bill to " XXXX '' using their 'Bill Pay Service ' from my checking account. The XXXX payments sent on XX/XX/2017 [ {$30.00} and {$170.00} ] went to the wrong XXXX address. The payments were not credited my account with/by XXXX. XXXX required me to send payment again and I did. I filled a complaint with Wells Fargo and they refused to cancel the payment. They replied " our research has confirmed that this payment with no error on our part. '' I believe they had a duty to determine the depositor of these XXXX checks was the Payee Specified [ XXXX ]. They claim they have no way to retrieve the monies intended for XXXX [ specified payee ].
To whom It may concern On XXXX XXXX, XXXX, and XXXX XXXX, XXXX, I sent a certified letter to Equifax and XXXX informing them both that there were a number of inquiries and some are multiples on my report that I did not authorize and to remove them if they are not tied to an account. Inquiries should never be placed on someone 's files unless authorized and I did not authorize the inquiries. On XXXX XXXX, XXXX, I received two generic letters from Equifax stating that inquiries are factual data ( this is not true because I never authorized for my credit to be pulled from the creditors. After I received the letter I sent the letter again certified and received the same information from Equifax. I still not have received a response from my first letter from XXXX  and it has been over 30 days. It is very wrong for these credit bureaus to aid in damaging someone 's credit by placing things on there and refusing to remove them after being told over and over again that they do not belong to me. A security freeze is on my reports and both bureaus still allow creditors to access my report without verifying that it is actually me. I am well aware of my rights as a consumer and I am WELL prepared to take the next step if this problem is not resolved and the inquiries are not removed.
Jared the Galleria of Jewelry-continuos calls to employer after repeatedly requesting that they not contact me through my employer. Has contacted me XXXX6 times after requesting that the contact me on my cell. Pretending to be my clients in order to get me on the phone. Leaving voicemails on a publicly accessible phone at my company.
I purchased furniture for my new home in XXXX of XXXX and XXXX of XXXX. I purchased the items with Paypal credit, on a promotion for no interest and no payment for six months ( previously called Bill Me Later ). I received electronic statements each month, all except the month in which the promotions expired. They failed to send me the statement in XXXX that shows that the six month promotional period was ending in the next 30 days and payment would be required to avoid interest. I received the statement on XXXX XXXX, showing that I now owe at least {$300.00} in interest due to the promotions expiring and no payment being made. I contacted them and requested confirmation that they sent my XXXX statement, as I am pretty certain they intentionally failed to send that. They would not provide me any proof that they sent that statement. The rep stated that per the system, they sent it out but she had no way to prove this to me. I am disputing the interest as I would have paid the bill in full immediately had I received a statement for XXXX to avoid any interest. I received an electronic statement every other month since making the purchases. If they never sent the statement I do not believe that I should be help accountable for the interest.
Applied for PayPal Credit in XXXX XXXX, 2017. I was denied. I called and was told that they needed to verify income and that i would receive an email with a link that would take me to a site to input the pending income information. The email arrived with the link broken. No way to get to this site. I called and was told that i would have to wait 10 days for a letter in the mail that would provide a new link that would work. The letter arrived and the link still did n't work. I called and wrote PayPal and  i get the run around. Nobody can do anything. According to their support people the whole process is system based and the humans cant do anything. I have a credit application that should have been approved on the spot ( 750 credit score ) yet I am going in circles trying to get anyone to show me where to send the income information to complete the process.
Despite submitting the correct paperwork on time in XX/XX/2018 I kept getting emails from loan servicer Navient that my IDR application was denied. Then a few days later I get emails saying that it was and a few days later that it was denied again. I called the company and the problem seemed to be resolved. However, XX/XX/2018 I am beginning to get IDR approval notices and a notvei thatI need to submit my IDR application by XX/XX/2018. 
Since the confusion with the IDR began I have also started to receive late payment notifications, despite my being enrolled in the autopay plan. The autopay system is supposed to automatically deduct a minimum of the full amount due. So, I am utterly confused as to why Navient 's system is deducting less than the minimum due. I am afraid that this company will end up ruining my credit because they can not get their system to function correctly and/or if the dysfunction is deliberate to scam customers for late payment fees. 

I have spoken with customer service twice ( once in XXXX and once in XXXX ) on the phone since this issue began and both times ( took about a hour each time ), I was assured the problem was solved. Now in XXXX here I am again with the exact same problems that I have been dealing with since XXXX.
I do n't know what this debt is for -- - TWO DEBTS ARE LISTED ON MY CREDIT REPORT FOR THE FOLLOWING AMOUNTS : 1. ) {$790.00} 2. ) {$180.00} 1. ) CAC Financial nor XXXX of XXXX Texas explain what these debts are for. 

it is noted is was reported on XXXX XXXX, 2016 NOT ENOUGH INFORMATION HAS BEEN REVEALED FOR THIS DEBT.
XXXX Conventional real estate mortgage Amount Past Due {$860.00} Date of Last Payment XX/XX/XXXX Monthly Payment {$830.00} Term 360 Months Payment Frequency Monthly ( every month ) On Time Payments 92 % Date Reported XX/XX/XXXX XX/XX/XXXXPayment Status 30 Days Late Amount Past Due {$860.00} Lender Info XXXX XXXX XXXX XXXX XXXX, PR XXXX Remarks Affected by natural disaster. 

THIS INFORMATION IS FALSE THE ACCOUNT IS NOT LATE THE BANK ACTUALLY OWES ME MONEY AND THEY ARE SENDING FALSE INFORMATION AND AFFECTING MY CREDIT SCORE.
When checking on my credit I noticed a hard inquiry. I called the company this was from and they stated that the people who applied credit on that day had different dates of birth and social security numbers. 

They told me I had to take care of it
Well Fargo bank has fraudulently closed my checking and saving accounts 2 years ago and keep denying me opening a new one. They are completely not truthful in their business practices especially with " lower class '' people who make less money then what they want to see their clients do. I have already contacted them through Consumer Financial before. However, now I have new facts and outcomes that I am looking for to achieve. I will not stop until I get the outcome as I stand for myself and equally affected good American Citizens that make less money than a bank would like to see. 

First and foremost, what you explain in your letter is absolutely wrong. i have to admit that XX/XX/XXXX I have tried to make an ATM deposit of {$2500.00} with the check drawn on why business account at other bank. However, the funds were not present in that business account right that same second, they were electronically deposited into my business account the next business day to cover my check deposit with you. I have never done anything wrong, you may say I have if the check for {$2500.00} was accepted for the deposit and was not paid, but in my case, the check was never even accepted for the deposit! Your response is totally made up and is not based on real facts. You say that you contacted XXXX XXXX XXXX to see if the check will be paid. My question is why did not you ask XXXX XXXX XXXX at that time what is my business 's usually and average monthly transaction amounts to. I can assure you that I had {$70000.00} + in transactions each month. 
At this time, given all the fraudulent activity that is presently going on at your bank that is involved your CEO and is all public, I decided to change my request for the outcome. At this time, I am no longer looking to open an account with you bank and I simply do n't trust business practices conducted at your institution as I am sure millions of other Americans will agree. I am asking for monetary compensation for your fraudulent actions that lead to me losing time and and having all the frustration especially when you opened an account with for me XX/XX/XXXX and did accept my deposit and benefited from it for the few days that it was sitting at your bank, also I have lost considerable amount of business because I had switched all my direct payments and deposits to you at that time. 
At this time as my calculations stand, I am asking for a reimbursement of {$8500.00} that include treble damages. 
I expect to hear from you within 10 business days with the positive outcome. Please note, that I am ready and willing to hire a legal help to bring your bank to justice on behalf of myself and similar affected people and organizations as per advise of my attorney. 

XXXX XXXX
I am legally XXXX. They knew my condition when I went there, they told me I can find a job, make enough money $ XXXX or more per hour. and they help to find a job.they promise to me I 'll be a XXXX after graduate but the reality is to be a XXXX people need many years and the salary in normal XXXX is {$9.00} per hour. 
They only want me to take a student loans and they help to file forms. They accepted me also without a high school diploma I do n't have. I never graduated. 
I an receiving SSi from the goverment and food stamps, I don ' t have money to pay. 
For the Federal loan I amapllyg for a forgivness. 
All the tests I presented during the classes were excellent even I knew all the answers were wrongI have been victim of a fraud XXXX. 
They lied, any XXXX in Usa can hire me because I am blogging nd for safety policies, and insurances companies do n't allows put people on risk. 
The XXXX did n't give any of the contracts with them neither loan papers, neither svholl books or any material if the classes in audio or big print fir ne to read. They accept me only to get a comission for a student enroled. 
I have my XXXX certificates U am legally XXXX, and I went to thevinterview XXXX with a friend. 
I am receiving Ssi help from the goverment and food stamos, i can ' t get a job and tcosigner ca n't affiraffirdto pay the loan. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
American Express engages in several deceptive, unfair and abusive billing practices that result in higher interest charges. Most, but not all, relate to the fact that its printed statements that are mailed to my house are different from information provided on its website under various tabs such as " Statements and Activity, '' and elsewhere, that are never kept current even at the end of a billing period. Additionally, PDFs of billing statements that are mailed are hard to find online, so that people who travel often, and who do not have time to but are forced to wade through all the in-your-face advertising and other extraneous junk on their cluttered website are steered towards web-based, alternative, but inaccurate versions of the account. Simultaneously, customers often have to wait a day or more to get earlier billing statements where an interest " charge '' allegedly first occurred. The XXXX or more sources of the statements ( the real XXXX and whatever ephemeral, ersatz version or versions one can find at any particular time on various areas of its website ) are not identical but contain conflicted and inconsistent information. As a result, it is almost impossible to know what is due for any particular billing period. During most months, this has resulted in me typically paying more than is actually due. On some occasions, however, American Express claims that I underpaid the total amount due. If so, it is due to several of AMEX 's " tricks and traps '' and I ask the CFPB to sanction it for them. 

In addition to the multiple and inconsistent versions of their " statements '', it also falsely advertises cash back rewards, then does not credit them to the account at all or in a timely manner. It falsely claims that it provides 5 % cash back for grocery store, gas station and drug store purchases. Yet it does not do so in any reasonable sense of the word. For example, it does not classify XXXX XXXX as a drug store on its bills and does not list several gas stations, including XXXX and XXXX in NJ, as well as others, as a gas station, although they clearly are. ( Some of these seem to be categorized as " fuel dispensing stations '' in distinction to gas stations. ) As a result of all of these intentional and actual deceptions by AMEX, it has been charging me interest, I only recently learned, since XXXX of this year while providing inaccurate and incomplete billing information online and pretending to provide cash back rewards to stimulate further usage of its card. 

The CFPB needs to monitor AMEX billing, online information, and cash back programs very closely. I should be issued credits for all interest and all advertised but uncredited cash back rewards, plus the same rate of interest on these new credits that it has charged me since I opened the account. Furthermore, AMEX should be forced to correct any derogatory or inaccurate information related to these deceptions that it reported to credit agencies about me and the other person on this account. Finally, AMEX should be fined and sanctioned for these activities and not permitted to repeat them at the risk of greater and steadily increasing penalties with each new offense.
My Wells Fargo home loan " Home Equity Loan ''. Was changed to another loan called " Smart fit Equity Line '' we filed bankruptcy 2 years ago. The home was not included in the bankruptcy chapter XXXX. Wells Fargo has locked my account so I can not make a paymentThey say because of the bankruptcy. I have tried to make a morguage payment on the XXXX and XXXX of this month of XXXX 2015. They also increased my payment which I was going to pay, I have payed this amount XXXX times before with no problem, I have been doing it with difficulties but getting it done.
On review of my account I discovered Rushmore fraudulently posted a withdrawal of {$45000.00} against my account on XX/XX/18. I've contacted them to resolve, they submitted a research request by their Collections Department, there has been no resolution on this issue. The company does not have a proactive method described to me for follow-up and its incumbent on me to pursue resolution with them. They have not reversed this payment from my account. The withdrawal shows it was made with check number XXXX, I have a blank check with that number in my possession.
There is an inquiry on my credit report from M & T bank Ind that was added XX/XX/2018 that Im just now seeing and I dont know of them or never gave them permission to open an inquiry on my report. Their location is XXXX, NY with phone number XXXX
reporting inaccurate information costing me higher rates the XXXX or XXXX was total loss wrong address cra and hippa violations
Company is trying to collect {$1100.00} for XXXX and is unlawfully reporting account not mine caused by identity theft and is ruining my credit report even though the debt is not valid nor mine.