WillisBack/dataset-financial-user-claim huggingface dataset:
This complaint is about a {$1800.00} credit card transaction from XXXX/XXXX/2016, and erroneous fees and interest that were charged as a result of this transaction. Wells Fargo Card Services is incorrectly coding the transaction as a cash advance instead of as a purchase. When I first notified Wells Fargo 's dispute department in XXXX 2016, Wells Fargo indicated that they have the ability to reclassify this cash advance transaction as a purchase. As of XXXX XXXX, 2016, these erroneous charges and interest netted to {$92.00} ( {$91.00} Cash Advance Fee from XXXX/XXXX/2016, {$1.00} Minimum Interest Charge from XXXX/XXXX/2016, and erroneous {$10.00} Cash Advance Fee on XXXX/XXXX/2016, and erroneous Cash Advance Refund of {$9.00} refund on XXXX/XXXX/2016 ). The items purchased were XXXX store gift cards ( gift certificates ). In attempt to resolve this issue, I 've called Wells Fargo 's customer service, dispute department, and high dollar dispute department multiple times in XXXX 2016 and XXXX 2016 and have provided them with my customer receipt and merchant testimony that the merchant attempted to process the purchase transaction as a credit card purchase. They tried to deflect blame for this issue to the merchant, XXXX ( dba XXXX ). But it is Wells Fargo that is engaging in unlawful and unethical practices. According to California CIVIL CODE SECTION 1749.45-1749.6 ( a ) It is unlawful for any person or entity to sell a gift certificate to a purchaser that contains any of the following : ( 1 ) An expiration date. ( 2 ) A service fee, including, but not limited to, a service fee for dormancy, except as provided in subdivision ( e ). I contacted XXXX on XXXX XXXX, 2016, and was notified that " XXXX is charging the credit card as a standard charge, and the charge is passed along to the third party bank and being converted to a cash advance charge ''. As of XXXX XXXX, 2016, Wells Fargo came to the conclusion that the {$1800.00} transaction was a cash advance, and proceeded to post the {$1800.00} transaction as a cash advance, along with the disputed related interest and fees. It is unlawful for Wells Fargo to collect cash advance fees from California customers for gift certificate transactions. Furthermore, Wells Fargo has engaged in acts of false advertising by honoring Wells Fargo XXXX points on a similar {$43.00} gift card ( gift certificate ) purchase transaction on XXXX XXXX, 2016 from XXXX. I received Wells Fargo XXXX points from my XXXX XXXX, 2016 XXXX XXXX gift card purchase, and that transaction processed a purchase. I have made numerous purchases from XXXX in 2016 through other credit cards, and all of them have posted as credit card purchase transactions, with the exception of the {$1800.00} transaction. As a credit card user, I should be entitled to XXXX Wells Fargo XXXX points from the {$1800.00} gift certificate purchase on XXXX XXXX, 2016, and should not have to incur the interest or fees due to Wells Fargo 's cash advance coding.
Good morning this is in regards to a debt not owed to southwest credit. responding to other complaint to southwest regarding XXXX XXXX I currently am in contact with XXXX and my contract is with XXXX and my payments go directly to XXXX. 

Everyday I get harassment calls from XXXX XXXX XXXX and I have asked them to stop calling. I do not have a contract with Southwest credit which is trying to collect a debt not owed to them. In previous complaint southwest sent over to you copy and paste information of XXXX which is not valid. 

I am asking southwest to remove themselves also from all 3 credit bureaus which they have to right to add themselves when in fact I am paying XXXX not southwest. 

Again I do not have a contract with this 3rd party agency
Navient misapplied my loan payment. Within 120 days of distribution, all payments will automatically be applied to the principal. However, after 120 days, payments will first be made towards the interest, and then the principal -- or so the company states. I recently made a payment of {$500.00} on XX/XX/XXXX ( post 120 days of distribution ). It was misapplied to only the principal balance. I had to call Navient in order to get them to correctly apply the payment. This is a huge waste of time. Moreover, this is not the first time they have done this ( to me or others ) ; it is no wonder litigation is pending against this company.
Dear Sir or Madam, here is the issue I just recently went by dealing with Citi Bank credit card : last week I received an email from XXXX XXXX about opening a new credit card with Citi Bank because I already have some miles with them and they now offered more benefits and I choose to go with it and used my home computer and started on XXXX XXXX website which later transfer my directly to the Citi Bank website so when I filled out all my data online Citi Bank confirmed right away on the same screen on their website that I was approved for {$4000.00} credit card and offered 0 % interest on the balance transfer for first 21 months if I choose it right now as well as to add an authorised user so I added my wife and requested {$3500.00} balance transfer Citi Bank charged me a bit over {$100.00} for it as they said only one time fee and said that it will be no interest for 21 months but when I received actual card today the Citi Bank wrote me totally different things saying that I have to pay them 22.24 % since the beginning and even no single word about my balance transfer and that offer I used ... 
I was trying to log in on my account with them to see what 's going on but Citi Bank showed there a message it is an error and they sorry about it ... 
I called Citi Bank via my cellphone and in an hour was speaking with their technical department and they said cause some issues on their end they there flashed everything I had on my account and asked me to start over to set everything again from nothing ... 
I did as they said because they was all the time with me on the phone directing what to do and I asked them about my offer for balance transfer with 0 % interest for first 21 months - they said yes it is available but I need to speak with customer service about it and they transfer me to them only thing that Citi Bank customer Service representative on the phone said yes they have this 0 % balance transfer offer for first 21 months but my data do n't have any records about it and they not turned it on in my case I asked to speak with Citi Bank supervisor / manager about this issue but she said if I do n't have paper / picture confirmation which I must take on my own while my initial application and approval was done on their website - she can not reapply the same offer they offered me since the beginning and they going to charge me for full price and all interest ... 

I think this is perfect set up for making people trapped to pay high interest by false advertising and computer tricks which the Citi Bank is doing on purpose to gain profit!!!! 

please help me out - I want my original offer / conditions to be applied as it was on promotional balance transfer with 0 % interest for first 21 months
I filed a dispute in 2013 against the collection agency known as XXXX, account number XXXX Phone number XXXX with XXXX sometime in 2013. Transunion failed to obtain evidence from XXXX that validates the debt. I have not received within accordance to Landlord/Tenant law an itemized receipt to verify money owed to XXXX Court. I paid a large deposit and feel that was sufficient to cover expenses. Consumer reporting agencies must correct or delete inaccurate, incomplete, orunverifiable information and they have failed to do so.
I rented and apartment notified I was moving out on XXXX 2012. 
My monthly rent was {$800.00} per month. 

I move up north with my family, I apply for work and was denied and Apply for School and was denied not sure way. 

I just received a letter from and attorney, they call constantly, harassing me. They say legal action will take place, if I do not make payments. 

I called the agency to ask way the balance is close to {$4000.00} when the rent I was paying was only {$800.00}. 

I know my balance may be about {$800.00} but the company refuse to clarified information, they say full balance will need to be pay. 
I am XXXX XXXX XXXX and I am trying to continued, school but not able to apply for fining. Company is damaging my credit. 
I was never informed or notified from property management that I had a balance. 

Please see attached support documents I have send to clarified the account.
AES is a fraud, XXXX XXXX claims that I am lying but she has never contacted me by phone only send these generic letters. I am well aware of the status of my loans therefore I did not need AES to put that information on my letters. AES reps on the last 5 calls I recorded, they never notified me that my calls will be recorded which they are suppose to do but I have recorded proof of this. AES claims I ca n't record their calls but they ca n't record me without my permission. What AES is doing is illegal and I have had several AES supervisors with bad attitudes. I have advised several of them that I will not tolerate their ignorance and then I was hung up on. I have proof of everything I am saying because I have recorded numerous calls which is proof of their business practices. AES has not proven that NCT still owns this debt, I only received a promissory note with XXXX XXXX XXXX and nothing with the ownership of NCT which is required in the state of Illinois to collect on this debt and this information was confirmed by a consumer rights attorney, Without any proof that NCT still owns this debt of today, then no one can collect on this debt per my state. Since NCT ca n't prove they still own this debt then the entire balance has to be forgiven or a reasonable pay plan has to be set up. AES and NCT are in this fraud together. I will keep complaining until my credit is restored and these loans are taken off my credit report except for loan XXXX which is cosigned. Per the state of Illinois, NCT must have up to date proof they still own this debt, THAT IS THE LAW. AES has never given me proof that NCT still owns this debt which is requirement under the FDCPA and FCRA which NCT must follow since they are 3rd party student loan debt buyer. I do not see anywhere that shows NCT owns this debt as of today 's date and if they are unable to produce this proof, all negative marks will need to be removed by federal law plus all loans except # XXXX will need to be forgiven. I have the legal right to a validation of debt that shows when NCT bought this debt. AES never provided me with that information which I have been asking for awhile but was told to look at my promissory note which only has XXXX XXXX XXXX on it and no one else. AES should clearly understand what the laws are and what kind of debt they are collecting on. All negative marks need to be removed because I do not have any up to date that NCT currently owns this debt as of today.
There is an outdated item listed which is Past the statute of limitations, I have tried to dispute this with no outcome which is XXXX # XXXX.
My daughter wanted to use my XXXX account to buy some jeans in XXXX 2014. What wound up happening is that the signed her up for a Paypal account in her name, without her consent. They collected her email, phone number, and DOB. They offered her deferred payment and interest. She is XXXX and does not have a job.
NRA collections company contact me XX/XX/XXXX, I received XXXX letter stating I had a debt. I contacted them and said that I believe it was paid in full. They said put the account in dispute. I never heard from them again. After calling them today, XX/XX/XXXX, they said that I asked that they do not call me, I do not recall that. They turned it to collections, reporting that they have tried to collect it for 7 months. I have never received a request for payment, they did not list on my credit report that this is " in dispute '' as they told me. 

They list it as " Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department '' I disputed it, never heard anything else, not one letter or phone call. Now on my credit report showing, very unethical business practices, very rude, very unprofessional. XXXX in the XXXX office was rude and unprofessional. They told me to put it in dispute, I did, and never once contacted me again with verification of debt. 

I requested Name, Address and License Number and they hung up on me. Three times. 

They do not answer their phones, transfer you again and again, hang up while on hold. I was asked repeatedly to be put on hold and no one ever comes back to the line. I was on hold for two full hours today. 

I never received written notice of the dispute verification within the 5 day allowance. 

They listed on my credit report that they have tried for 7 months to collect, they have not tried even once to contact me, and they can not be reached for questions/concerns.
On XXXX XXXX, XXXX my student loan balance with Navient jumped from {$71000.00} to XXXX with no explanation. I believe there is either an error or they are charging me excessive fees.
XXXX I am in Dispute of - THE RESULTS OF YOUR INVESTIGATION -CREDIT FILE DATED : XXXX XXXX XXXX Confirmation # - XXXX / of RECEIVED : XX/XX/XXXX ( ENCLOSED ) XXXX - I am in Dispute of - THE RESULTS OF YOUR INVESTIGATON - CREDIT FILE DATED- XX/XX/XXXX - REPORT NUMBER- XXXX RECEIVED : XXXX XXXX, XXXX credit report prepared for - XXXX, XXXX XXXXYour report number is XXXX date : XX/XX/XXXX Credit Items LEXUS FINANCIAL SERVICESAccount Number : XXXX ... ... .Outcome : UpdatedTo Whom It May Concern - REINVESTIGATION RESULTS/ BILLING ERROR DISPUTEFirst and far most, PLEASE NOTE : Account 1 ) : Experian- LEXUS FINANCIAL SERVICES - Account XXXX is an inaccurate account XXXX This is the first inaccurate Noticeable point, I would like to imprecise. Next, Account 2 ) XXXX TOYOTA MOTOR XXXX XXXX Account XXXX is an inaccurate account. Therefore, this account is apparently a fraudulent account. Your re-investigation will determine, There is certainly more than XXXX creditor, for the same vehicle/ with the same- Vehicle Identification Numbers ( VINs ) - Vehicle Identification Numbers are unique codes given to each on-road vehicle in the United States XXXX From XX/XX/XXXX, each new car is given a standardized XXXX code, which includes a serial number. A XXXX lets you unlock vital information about the vehicle and its history. In addition, Locating VINs - You can find a XXXX on the car itself and on a variety of documents.
My complaint is about the conflict of interest at Equifax. The company is a for profit company and is accountable to its shareholders to generate profit. The company is in charge of consumer credit rating ( collecting information and issuing credit rating ) and the company also makes profit from it consumer credit monitoring and subscription business. So the consumer would pay XXXX. I was a subscriber for almost two years and I cleaned my credit, disputed inaccurate information etc. Tecently have decided not to renew my membership as did not see the use for it given that you can the same service free from XXXX. Equifax kept emailing me to renew membership. Since we are in a process of refinancing and given that my credit decreased despite the fact that I had perfect credit history I decided to sign up again and to my surprise they removed all positive information from old accounts and replaced with XXXX, which is not reported, and put back negative late information. I called them to dispute it and they stated that it is coming from the creditor. This is deceiving to push us as consumers to feel the need to subscribe to their product so we can keep Equifax in check. There a conflict of interest here. They should not be in both side of the business they should be either rating company or consumer credit monitoring. Otherwise, their credit monitoring should be offered for free since they are using our personal information to make money. When I complained, they added more information on those accounts closed in XX/XX/XXXX and paid in full in XX/XX/XXXX to show then as XXXX until XX/XX/XXXX, no one would respond to my inquiries and their costumer service uses deceptive methods not to assist and resolve the issue. Submitting a dispute could take months. We work very hard to establish a positive payment history and they simply can not have so much leverage in manipulating or skewing the data in a way they see fit. The credit rating has an impact on consumers ability to obtain jobs, loans and credit at more favorable terms and these agencies should have have so much power. Consumers are being victims of corporate greed. I hereby request that all the negative accounts be removed.
1 ) My spouse and I are disputing a XXXX XXXX account with a balance as it appears on Transunion and XXXX 2 ) My spouse and I opened a joint account with XXXX XXXX which later on settlement was agreed upon as " uncollectable '' 3 ) In the court case : " XXXX vs XXXX '' it clearly states that showing a balance is a form of collection activity 4 ) my spouse and I repeatedly notified both Transunion and XXXX as well as XXXX XXXX, but they keep verifying that the balance they have is accurate 5 ) We have attached the following documentation to this complaint : a ) settlement with WF b ) Notice Potential FCRA Violation - TU c ) transunion reply XXXX d ) reply from XXXX XXXX XXXX ) All we are asking is for the XXXX account to show a zero balance
XXXX XXXX {$4.00}, PAY OFF XX/XX/2018 C/C {$480.00} DID I CALL, THEY SAID THEY WOULD TAKE CARE ALL READY, BUT IT STILL SHOWS IN MY REPORT. THE OTHER ACCOUNT IS ARMOR SYSTEMS CO, WHICH I PAID BUT IS STILL SHOWING AS UNPAID.
I do not have a contract with Ability Recovery Services. I am not liable for the collection of this debt from XXXX College. I am not responsible for this debt.
My complaint is with Ocwen servicing company for seven years I have been trying to XXXX a re modification of my loan they have been deNY ing me a refinance using all kinds tactics I have been through.all the avenues that pertain to. This problem I even went to lawyers whom seemed to work for them I need some immediate assistance now as they have forclosed on my house without any warning the has been in my family for over sixty years .my husband left me after XXXX years of marriage and I am XXXX years I have no transportation to leave and no place to go .my XXXX son who lives with me is XXXX ( XXXX ) and attends a XXXX we do n't have no place to go and both live on social security.I 'm am supposed to be evicted today please help my .I can be reached @ XXXX or XXXX
I am in the process of receiving a home loan, and was notified by my lender that my Equifax credit report was not available for delivery. ( There are no problems with my XXXX and XXXX   credit reports. ) The lender received this alert regarding my Equifax report : FACT ACT : Information from your inquiry has been identified as potentially fraudulent or misused, therefore the credit report is not available for delivery. 

As a result, I called XXXX on XX/XX/XXXX to make sure that Equifax had all of my correct and current information. When the Equifax representative pulled the information associated with my social security number, a name and several addresses appeared that are not mine, indicating fraud. 

I was informed by the Equifax representative that I needed to provide documents ( including a cover letter, and scans of my drivers licence and social security card ) to verify my account. I faxed this information to ( XXXX ) XXXX on XX/XX/XXXX, but was informed today that Equifax had not received my documents. I will now have to re-submit all of my information to them, and wait another 2-5 days until they can process the documents. I was not given a dispute reference number at any point of this process, so there is no way for Equifax customer service representatives to track my problem across multiple calls, or provide me with any updates as to my dispute at this stage. It feels like I am being asked to fax my most sensitive personal information into a black hole. 

Our closing is one week away, and our lease is up on our apartment at the end of this month, so it is possible that any further delay could derail our closing, leave us without housing, and cost us hundreds of dollars in additional storage and moving costs. 

My impression of Equifax in its handling of this dispute resolution/account verification process is that they are unprofessional, disorganized, and unworthy of the hugely important responsibility they have to American consumers.
My loan was settled in full with a collection agency on behalf of XXXX/Navient in 2015 with a confirmation settlement in full letter received. 

Navient ( a subsidiary of XXXX ) has forwarded the settled balance to outside collection agencies multiple times to which I have responded multiple times that the account is settled/paid in full and to provide verification of the debt from the original creditor. To date, none has been received but in turn I will receive another letter and/or phone call from a new collection agency within a few months time.
At approximately XXXX I received a phone call from a number that I did not know while I was at work. When I got the chance to call back the number the recording stated the company name as XXXX. I further listened to the prompts and then a representative came online say that this was an attempt to collect a debt. I asked the person who said that his name was " XXXX '' to please send me everything in writing so that I could validate this debt. He then states that he can not do this because I had been contacted before by other collection agencies and had a breach of contract with them and that he was a mediator trying to settle the debt before taking this matter to court. I simply stated that I was at work and that I would have to give him a call back. Before I hung up the phone I asked what was the name of the company that he was calling from and he stated that he was calling from " XXXX ''. Once I got off of work I tried to do a business search of this company and found nothing. I did a reverse number search and nothing came up except stating thAt this company was a scam and listing all of the numbers associated with the number that had called me. I then proceeded to call back and spoke with a " XXXX '' no last name. He give me all the legal jumbo saying that we are on a recorded line. I once again asked for validation of the debt in writing and he said that he could only do it if I gave him my banking information and then he would send an email stating that the debt was paid. Once again I asked for validation of this debt to be sent to me and he said that he will note that I refusing to pay the debt and that they will send e my subpoena to show in court
I started this chat with Capital One on Thursday, XX/XX/XXXX. I recently made a large payment of {$4300.00} on my credit card. Usually when I make a monthly payment it takes a day or two at most for my balance to reflect that payment. Now all of a sudden I am being told that there is a hold on my account because they have to ensure that the money was taken from my bank. I confirmed with my bank that the payment was processed on XX/XX/XXXX. This transaction is no different than any other aside from the amount. The money was taken from my bank yesterday, XX/XX/XXXX. Exactly one day after the payment posted. As I have stated if this were my usual $ XXXX monthly payment there would be no problem. However, it seems that now that I am trying to pay down the balance thus giving them much less interest there seems to be a problem with reflecting my available balance. I want them investigated for fraudulent business practices as it seems there is an issue. They of course would much rather hang on to that balance for as long as possible so they can get the interest. I paid a huge amount on another card that I have with them and there was no problem.