WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/2017, I transferred {$5500.00} to my spouse 's Roth IRA accounts from checking. During the transfer, final step, the site crashed. I relogged in, as far as I can tell, the site showed that transfer did not take place. I again made the transfer, 2nd time. Note that during the transfer, it specifically ask for the contribution amount and the year. Had it gone through, I figured ( wrongly ) it would prompt me that this has already taken place for the current year and maximum has been reached ... 
The next day, I learned that the transfer occurred twice. Brining my checking balance {$5500.00} below what I had anticipated. I knew this was going to be a problem because I have several auto-payments pending. I called the bank on a Friday and the banker said the balance would be reversed on Monday. The following week, no reversal. I called again and after multiple transfers ( again ), I was told that I need to fill out a form and fax it. I hung up. Drove to the bank in person and asked the banker to reverse the transaction. Incredulously, he too got on the phone, went through multiple people and said that I needed to fill out a form and fax it ... I finally got a form over a week later and faxed the form. I spoke with a Manager on the phone and was told that it will be funded within 2 days and overdraft fee ( XXXX/XXXX/17 ) on my credit card account will be reversed ( incurred due to 2nd {$5500.00} removal in checking account ). He promised that he would call me if there was any problem. No call. A week later, I called and spoke with various manager about the situation and finally added additional information to the form ( source of the hold up - despite WF having this vary information ). 

Because I could not trust WF to do their part, I made a deposit of {$500.00} on XXXX and {$3000.00} on XXXX. This was a huge financial disruption! 

I specifically asked the Banker for a call from WF Management. No call but my checking account was finally funded on XXXX/XXXX/2017. 
The overdraft fee of ( {$12.00} + {$0.00} interest charge on cash advance ) still has not been removed. 

Dealing with WF for any problems, it 's not possible to talk to the same person resolving your problem - therefore there is no accountability. No-email nor direct lines. They wo n't even give out their full name. WF requires any forms to be faxed. You can e-mail me a form but I have to Fax it ... I 've refaxed other documents multiple times and have given up trying to contact you about it ... The only response I get is " we do not have it '' please re-fax even though I had your WF office do it, again.
I applied for American Express Platinum credit card on XXXX XXXX, 2016 with an offer to get XXXX Membership reward points after spending {$3000.00} in first 3 months. As of XXXX XXXX, 2016 ( when 3 month period ended ) i spent {$4300.00} on the card. Subtracting credits of {$450.00} my effective spend comes to {$3900.00}. All of my spending are legitimate every day spending. My XXXX points was awarded on XXXX/XXXX/2016 and they were taken back on XXXX/XXXX/2016. I still use the card for everyday spending as of today. i request to issue my points back. Its very very disappointing that they did this being an customer for more than 8 years.
Calling while at work every 2 hours, unwilling to work with me requiring amounts of money that I can not come up with ... wants me to st up automatic payments which I do not feel comfretbale with the XXXX co signers
On XX/XX/XXXX I called into customer service at Bank of the West in inquire why my account was showing - {$27.00} on my mobile app. 

The associate advised me that I was not overdrawn and had {$10.00} in my account. I asked if she could reverse 1 overdraft fee as a courtesy and she explained that she could not because I have had 1 fee reversed in the last 12 months. 
I asked the associate to cancel my overdraft protection so this is no longer an issue and they said they would. 

I expressed great concern that I would be charged overdraft fees so again I asked if my account was overdrawn. She immediately replied that is was not and asked me if I wanted to speak with the online dept. to learn how to read my mobile app. As insulted as I was I explained that no further assistance would be needed and the call was disconnected. 

On XX/XX/XXXX ( next day ) I was assessed {$140.00} in overdraft fees and again on XX/XX/XXXX another {$35.00}. Assuming this was an error that would be cleared up by Monday I let it go. 

Monday XX/XX/XXXX I called into customer service again to express my concern and requested to speak with a manager. A manager named XXXX came to the line and heard my complaint. She stated that there were no notes from the associate I spoke with on XX/XX/XXXX and that she would have to listen to the call. I advised that I would hold while she did so however she then stated that her manager had to review the call. I asked to speak with this manager but was told that they were not available and would call back. I have been told this in the past with no follow up so I feel it is necessary to being this to the CFPBs attention.
Original principal going from XXXX all the up to XXXX. Seems a little steep and no wonder myself and any others are having trouble repaying student loans. God forbid the school making false promises to students with guaranteeing career placement and being able to repay loans within the first couple years. I was able to get my federal loans on a repayment plan, but this " private '' loan through the same company is totally different. They want all the money, and they want it NOW.
On XXXX XXXX XXXX I was at the attorney general office in a conference with XXXX XXXX and the agent for the attorney general said that they could not proceed until the motions of lawsuit against XXXX XXXX was over. 
I am suing my ex-wife do to harming my credit and going to the attorney general and having the attorney general filing for back pay child support. When we had an agreement since XXXX XXXX, XXXX that I would not owe her a dime due to me being dead to her both children. My attorney contacted the office of the attorney general and by state law they are not to harm my credit until the lawsuit is over with.
I have an account on my credit report that caused me to be denied housing onXX/XX/XXXX.

I contacted the agency who is listed : XXXX XXXX XXXX  Reported : XX/XX/XXXX{$1600.00} Needs Attention Overview You've paid off 0 % of your collection amount.

Balance {$1600.00} Highest Balance {$1600.00} OpenedXX/XX/XXXX( 7 mos ) Account status Open Type No Info Responsibility Individual Account.

Original Creditor Name XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX   XX/XX/XXXX I disputed the information. Then in XX/XX/XXXXI called again to XXXX XXXX and they told me to call another company, XXXX XXXX XXXX. But they're the company on my credit report and this other company has never heard of me.

I have a recording of the call.

I have disputed this with Equifax twice and they have " confirmed '' it twice. But Equifax says they are confirming my name and not social security number. So they asked them to verify mu social security number the the second time. They " confirmed '' but it's IMPOSSIBLE because I've never leased with them. Nor are they supplying the social security number they have.

I have owned my house sinceXX/XX/XXXX that I'm now trying to sell. Also there isn't an inquiry for when this " account '' was opened in my credit file to have alerted me to something even going on in my name, which I don't think is the case, as when I call XXXX XXXX, giving them my social and other information they don't have account and refuse to speak to me. But I can't get them off my credit report either.

I would really like to be able to stop sleeping on the floor of a friend 's place and get my own. But this is preventing me from having a place to live.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  X/2016  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. I was in the middle of a divorce and it was my understanding that my ex-husband would be taking care of these payment as per our divorce decree.
this loan was opened up in 2001 due to identity theft. 
ive been trying ; for years to ge this off my credit report. 
and reported it to social security administation since i lost my social security card. 
this account is not mine
XXXX was reporting over 10-year old bankruptcy information on all credit bureau reporting agencies. XXXX sent out an update to delete this information as well as instruction to delete a statement saying " after FRCA investigation consumer disputes ''. All credit bureaus ( XXXX ) received the automatic update ( AUD ) as XXXX XXXX informed me via one of many telephone conversations. However, Experian refuses to change my report to reflect XXXX explicit instructions to do so. I know this because after talking with Experian customer service 3 times, it was confirmed each time this same information remains and I was told Experian had received an update from XXXX XXXX, 2016 like the others had. They are violating my rights to have my credit report updated to expunge illegally reporting outdated information, as was so stated in XXXX letter dated XXXX XXXX, 2016 that was XXXX to me by XXXX XXXX, executive consumer reporting specialist. I have been turned down for loan because of this negligent reporting.
I wish to file a complaint against Freedom Mortgage Company. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, NJ XXXX United States Lender NMLS ID : XXXX The companys handling of my simple request for a payoff of my deceased mothers mortgage has been despicable. I have provided the company with the documentation requested including death certificate and letters testamentary showing me as the legal and only executor of my mothers estate. It feels very much as though, for some reason, the company is stalling. Interest is, of course, accruing as this process drags on. Their total and complete lack of compassion is astounding, nay repugnant. I have spoken with no fewer than five of their employees including a supervisor and I still have received no information regarding the payoff amount. I actually spoke to one Freedom Mortgage representative who told me that, DESPITE THE FACT THAT SHE WAS AT THAT MOMENT IN POSSESSION OF AND PHYSICALLY VIEWING ALL OF THE REQUIRED DOCUMENTS, my request for a payoff amount of the loan would have to go to yet another department. The company has caused us to miss the closing date of XX/XX/XXXX and now threatens to cause us to miss the new scheduled closing date of XX/XX/XXXX. 

I appreciate any assistance you may be able to provide.
I was sent a letter from Dynamic recovery solutions dated XXXX XXXX 2015 for a debt I never made. current owner is XXXX XXXX XXXX and the, original creditor is XXXX the debt is for {$1400.00} the letter states they will settle for {$370.00} before XXXX, {$440.00} in XXXXpayments or {$510.00} in XXXX payments I am not going to respond to this letter because I do-not owe this debt.
Dear CFPB, Hoping your help in solving this so unfair situation where after more than {$10000.00} wired to this company, just the 50 % was applied to current debts. At least is good to know " XXXX XXXX '' is talking about same numbers we mentioned, however, conveniently for them, records has not been checked in a proper way. As known : Debt restructure program started at XXXX with the debt enrollment of {$14000.00} ; Target for Creditors Settlement {$7100.00} and a Settlement fee for Debt 0 {$2900.00}. This Debt restructure was revised in XXXX, and is the used settlement used for below calculation, with the debt enrollment of {$19000.00} ; Target for Creditors settlement {$10000.00} and Settlement fee for Debt 0 {$3800.00}. ( exhibit # 11 ). As explained in previous message, ( complaint email ),  per your XXXX XXXX own delivered numbers, Debts paid by them on our name are : XXXX XXXX XXXX : {$2300.00} ( Exhibit # 3 ) - XXXX {$1200.00} ( Exhibit # 4 ) - XXXX XXXXXXXX XXXX XXXX : {$2200.00}, paid {$1500.00} ( Exhibit # 5 ) - Afni {$38.00} ( Exibit # 6 ) A total sum of these debs is : {$5000.00}. Adding the total Settlement amount to pay to XXXX XXXX : {$3200.00}, the Great Total is : XXXX. As per XXXX XXXX numbers, the amount of money wired by us to XXXX XXXX is a total {$10000.00}. In conclusion, by simple math, the amount of money to be returned must be : {$1900.00} instead of the {$880.00}. We received an email on XXXX XXXX, XXXX, signed by XXXX XXXX, XXXX XXXX, representative, indicating all the settlement to be paid by us to XXXX XXXX was already paid, thus, the statement on response of XXXX XXXX does not have any support. Questions are : How come, even, because the lack of communication from " XXXX XXXX '' we had to stop wiring funds, " XXXX XXXX '' has collected from us the total amount of money established on the settlement already, if these companies are not allowed to charge to customers in advance? In same email, XXXX XXXX indicates they already had the money to pay to XXXX XXXX for XXXX XXXX account, why didnt they do it? 3 ) Where is the copy of agreement " XXXX XXXX '' did with XXXX? NOTE : Mentioned email can be attached for your records immediate your request. Regards, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
On XX/XX/XXXX was served with summons dated XX/XX/XXXX to General Sessions Court in XXXX county, TN for lawsuit for past due XXXX credit card balance. The court date was XX/XX/XXXX. I spoke with their office in XXXX XXXX, XXXX before the court date and explained I knew about the debt, my situation/ or the reason I had not made any payments since XXXX that I was unemployed, lived in a rural area with no access to public transportaion and a car that needed an engine replaced. I told them I did not have the money to pay them and would pay when I could. When I asked for a continuance to have time to prepare for court, they would not allow me to obtain a continuance, they told me I would only lose and they only wanted a judgement and that it would last ten years. Since I only had five days to prepare, I was unable to arrange transportation and consequently did not appear in court. They got a judgement for {$1100.00}. the credit card balance was {$600.00} max and late fees that totaled the {$1100.00}. The attorney representing them is XXXX, XXXX, XXXX XXXX XXXX XXXX, debt collection firm. On XX/XX/XXXX I received a notice from their firm stating they were forwarding a certified copy of the judgement for the case to the register of deeds to place a lien against my primary place of residence. The document does not state the balance of the debt for the lien. I have never had a lien and was concerned about the amount of money they required. Because the letter did not state the total amount to satisfy the debt/judgemnt I proceeded to check the court records to confirm the amount and also contact the law firm about the matter. I told them I wanted to set up payments and spoke with XXXX who proceeded to firmly ask me questions about whether I had a mortgage or not. I asked hiim to explain their policy for setting up payments but he kept trying to ask more questions about my house. I am a senior citizen receiving public assistance. I told him my cell phone is a goverment issued life line phone with 300 minutes a month, because he wanted to call me on my cell phone. He proceeded to try to explain the process to make payments but never really did, and was indignant because I would not answer his questions about my situation. I told him I had been unemployed for ten years and was receiving SSA when I set up the credit card account. I told him I no longer received those benefits and that was why the payments were late. He was rude and hung up the phone before answering my concern about how to set up payments. XXXX XXXX I don't know if anything illegal happened but do question why the law firm did not reflect the balance owed for the lien on the mail piece I received on XX/XX/XXXX. It was very intimidating and the phone conversation was intimidating as well.
I have an alleged XXXX account for XXXX on my Equifax credit report.I have disputed this account several times with Equifax as I have not received notice of debt or notification of my right to dispute. Furthermore, the information reported on the Equifax credit file regarding date of first delinquency varies from the other reports. I have attached copies of each report to support this claim. 
Equifax XXXX - XXXX XXXX - XXXX XXXX - XXXX FCRA requires that accurate information be reported to each Bureau and that each Bureau reports accurately. At this point it is clear Equifax is allowing this inaccurate and damaging information to be reported on my file when obviously it is not correct. The date of first delinquency is a single, historical point an account first came delinquent and can not vary between bureaus. At this point I hold Equifax responsible for reporting this information and for removing it from my credit file. My legal rights as a consumer entitle me to compensation for any damages caused by this information reflecting on my credit file.
I 've had a XXXX, now Navient student loan in the amount of {$5000.00} for the past few years. Since XX/XX/XXXX I 've made payments totaling a little bit over {$4000.00} and yet my loan amount has barely changed. According to XXXX I still owe {$4700.00}, even tho I 've made over {$4000.00} in payments. That just does n't make sense. In XX/XX/XXXX, I served as an XXXX XXXX XXXX, as a federal XXXX all of my loans private and federal were suppose to go into deferment. When I called XXXX to ask for public service deferment, they refused and the representative was rude to me on the phone. I explained to them that I was n't working and have a letter from the XXXX, proving my volunteer status and lack of income. The rep said that it did n't matter that I could not be granted forbearance or deferment. Then I called back to see if they could at least lower my payments and they refused that as well. After my volunteer service I started working and made payments when I was able to. In XX/XX/XXXX I experienced some hardship which resulted in my not being able to pay my full monthly payments. I called XXXX/Navient several times to ask for a deferment or forbearance and the representatives denied my request again. Since I was n't able to make full monthly payments, I paid what I could when I could, which was less than the monthly payments, but it was what I could afford. In XX/XX/XXXX, I became unemployed and called XXXX to try and see if they could at least lower my monthly payments or at least grant me forbearance. The representative I spoke with was very rude, she told me that if I could n't pay for my student loans that I should borrow money from people to do so. I told the rep that borrowing money from friends is not an option and how dare she even suggest that, I asked to speak to a manager and that individual was just as rude. I told them that I was unemployed at the time and would be going on a volunteer assignment for school. The representative, told me that there 's nothing that they could do for me and had the guts to tell me that I should be looking for work instead of doing volunteer assignments for school. When I responded and told her that she had no right to talk to me in that manner the representative proceeded to argue with me. They refused to lower my payments or grant me forbearance. Despite the fact that I 've been making payments when possible, Navient has continued to call and harass me and my cosigner. They called my cosigner and threatened to garnish his wages if they do n't receive full payments and call at least 5 to 6 times a day. I 've been making payments, thus there is no reason for them to behave in such a manner, they have caused us a lot of XXXX.
On XX/XX/XXXX I mailed a letter of VALIDATION to XXXX XXXX for 6 different accounts via certified mail. I haven't had any knowledge of these debts or any contract with this company so I requested VALIDATION. This company received my letters on XX/XX/XXXX. I received a response from them on XX/XX/XXXX. The response did NOT include ANYTHING that VALIDATES the debts are mine. This company did NOT provide ANY documents with signature for VALIDATION as requested.
On XXXX/XXXX/15 I went into my Chase branch to pay off my credit card balance in full. I overpaid by {$330.00} so that any additional interest XXXX {$110.00} would be paid from that and then refunded the balance on the next cycle. After the cycle completed, I requested the difference to be transferred to my checking account. Because I asked for a transfer to my checking account and not a check, they had to put the {$23000.00} back into my account as a charge and then credit the payment incurring {$160.00} in interest. and still refunding me, now making the account have a minimum payment due of {$44.00}. When I closed the account they took it off my account dashboard, so I did not know I owed {$44.00}, thus missing the " payment '' 2 months after the account was closed and the statement showed that they owed me money and not the other way around. I have gone into the branch and talked on the phone but they say there is nothing they can do.
My family and I are American Express platinum card holders. I pay XXXX $ in fees for the main card in addition for XXXX $ for additional cards. The company has advertised in its American Express offers and benefits page in my online account a promotion saying that if you purchase $ 1000+ of airfare at XXXX XXXX XXXX website, you receive XXXX points. I added the promotion to my account, and few days later I decided to buy my mother a round trip ticket to XXXX from a foreign location on XXXX XXXX for around {$1200.00} ( transaction dated XX/XX/XXXX ). I started my booking at XXXX XXXX XXXX. I book the ticket and the promotion was not honored. American Express claim that the transaction was done from a foreign location of XXXX XXXX and not through XXXX XXXX XXXX. Maybe this got triggered by the origin city of the flight, and switched to a different XXXX server. As a customer there is no way to know on what XXXX XXXX server the ticket is purchased. After filing a complaint with American Express, they did not want to honor their promotion. It was merely impossible to discern which server of XXXX XXXX of which country booked the ticket. The was other cheaper airlines choices out here and American Express advertising and promoting was misleading. They go and refer to a very technical terms and conditions that is very misleading. 
I try to file another complaint over the customer service phone line. The representative coldly say that they can do nothing and that they will document the complaint with no further follow-up.In summary, I pay more than XXXX $ in credit card fees a year for a very bad customer service for a luxury financial product.
My name is XXXX XXXX ( born XXXX ). SSN XXXX XXXX XXXX. My foster parents XXXX XXXX XXXX and XXXX XXXX XXXX fraudulently opened this loan account under my name. They had also attempted to open one for me on XX/XX/XXXX for BankAmericard Travel Rewaed Visa but were declined. My account was opened on XX/XX/XXXX and canceled on XX/XX/XXXX by the credit grantor. XXXX XXXX who lives at XXXX XXXX XXXX XXXX, XXXX, OR, XXXX, whose DOB is XX/XX/XXXX and whose SSN is XXXX is behind all this stuff. She ruined my credit. I was disputing it with XXXX, XXXX and XXXX but the credit rating agencies keep on telling me " paid as agreed ''. My foster parents have committed an ID theft and a felony fraud.