WillisBack/dataset-financial-user-claim huggingface dataset:
BB & T bank is being unfair about how they are subtracting their transactions. The way they do it XXXX transaction can cause multiple insufficient fund fees. Their online account is very vague and when you call into the office no one knows really what is going on. I finally got ahold of a representative that knew what was going on. If there is XXXX in the account,,, there are XXXX pending transactions each for XXXX they subtract that from the XXXX first. So then there is only XXXX to pull transactions from. If there are XXXX transactions for XXXX there will be XXXX XXXX insufficient fund fees. Then there will be XXXX posted to your account. Then the next day, when the XXXX XXXX transactions go through there, will be XXXX more XXXX insufficient fees subtracted from your account. So that would be XXXX more dollars subtracted from your account. Half of the tellers can not even explain to you why this is happening,,, they do not get back with you after you call and they say they will find out and call back. I have had a huge mess happen to my account because of this and could not get my account straightened up because of it. There is no documentation sent to you telling you exactly what bounced and it is utterly confusing and wrong. I do know that XXXX has been sued for this practice. I feel taken advantage of by BBT and they are wrongly charging fees. Most people can not come up with the money to cover the fees when they are tacked on so they are gon na end up with more fees in most cases.
i have requested tax documents from company several times per my request they state it will be sent and todays date is XXXX/XXXX/16 and this information is still not available to me. Thus I am unable to filetax return adn deadline is fast approaching.
I have vehicle lease account with XXXX XXXX XXXX that was properly paid for and closed on XX/XX/XXXX. As I changed address after the account was closed, I did NOt receive any further communication from XXXX. But, I get a call from a credit collection agency, XXXX XXXX XXXX, on XX/XX/XXXX regarding a debt to XXXX. I requested a written notification, which they sent me on my new address. The bill was for : excessive wears and tears and a purported missing key for a total amount of {$700.00}. I contacted XXXX and disputed the missing key. XXXX told me the account was closed and that the additional debt was sold to the credit collection agency ; therefore I had to work it out with the collector. I contacted the collector over the phone and we agreed on the amount of {$490.00} to settle the debt. However, until now the original account is still appearing as " open '' with XXXX, with a debt of {$210.00}. I have been disputing that over the last 3 years, but XXXX   keeps telling me that this is what XXXX reports to them. Each time I contacted XXXX at XXXX to request that they either : 1 ) report the account as " closed '' or 2 ) send me a bill in the mail with payment instructions. But, each time the department refused to do so nor will they provide the phone number of the department to contact. All, the tell me is to write to their collection department, which does NOT have a phone number! Worse, the phone number ( XXXX ) listed on the credit report does NOT belong to XXXX.
I have  XXXX  derogatory account claims on my Transunion,  XXXX , and   XXXX   credit report accounts from  XXXX   XXXX  Bank. After carefully reviewing this information I realized that these  XXXX   XXXX   XXXX  Bank credit card accounts were re-aged from late  XXXX  to early  XXXX  and should have already been removed from my credit reports based  on Federal and State of Florida Statute Of Limitations. I have reached out to all 3 credit bureaus  and filed disputes and have asked  XXXX   XXXX  Bank as well to show me proof of the accounts and detailed information or to have these removed from my reports. None of the companies have provided me with the complete information that I have requested. My requests has been denied by all  XXXX  reporting agencies and  XXXX   XXXX  Bank has only provided me with the letters attached and also have changed and updated the claims to " disputed '' on my reports. All  XXXX  reporting agencies have pretty much told me the same exact thing, there is nothing they can do and the creditor will need to update the status and/or remove the derogatory claims. I am attaching all of the documents I have sent to  XXXX   XXXX  Bank via  USPS ce rtified mail with stamped receipts and proof of signatures and the responses I received from  XXXX   XXXX  Bank for each letter. The document labeled as  XXXX  is the first letter I sent with documentation and the response letters I received from them. The document labeled as  XXXX  is the second letter I sent with documentation and the response letters I received from them. All of these attached documents are labeled and dated with notes as well as my personal information.
HI, ok, I got a call from a company telling me that I was going to be served tomorrow between XXXX for an old payday loan. He said that I had 10 days to pay or I would be " SERVED '' and court cost plus garnishment would all add more to the bill. He scared me so I gave him my info and split the payment in half, for {$580.00} each. 

I started to have doubts once I calmed down which was a couple of days, then I called the attornery general in Ohio and also my bank, Both had said they get hundered of calls like that and more than likely its a scam. So I stopped payment on the payments and luckily my bank refunded XXXX payment that was processed and the other payment did not go through.. 

I googled the company and there were alot of people who commented on how they got the exact same speal. 

The name of the company is different though, the name he gave me was XXXX XXXX AT XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The name of the company may be different but the address is identical. I am confident that this is the same company. 

I just googled that address and its a XXXX. 

He called me today and wanted to know why i stopped payment, of course this was on my voice mail and i was at work, but XXXX minutes later, my son texted me that XXXX called him and told him to have me call about a legal matter. 

I called the XXXX for New York and they told me that this company has an F rating and that is is illegal for a company to collect on a payday loan. 

I hope that you can help me get him to leave me alone. 

Thanks for your help, I really appericate it.
I recently received a letter from convergent outsourcing an outside debt collection agency for XXXX. I do n't owe any such debt to this collection agency nor XXXX..You will also see attached documents of this alleged been sold to XXXX different collection agencies within a XXXX day period. Convergent sent a settlement offer and the company a demand for balance in full or they would report a negative mark on my credit report.
This company has placed this debt on my credit reporting negatively with no validation that it is my debt. The amount owed is said to be XXXX I have no knowledge of this debt and would like it removed from my credit file as soon as possible.
I monitor my credit weekly. I have learned that my prior credit score of XXXX has been dropped to XXXX with no changes on my report over the past month or XXXX. Why did my score change?
This complaint is in regards to a {$150000.00} ( excluding fees and interest charges, attorney fees, etc. ) loan modification that I NEVER signed for. Wells Fargo Bank tacked on this modification to the back of the original mortgage note of {$350000.00} on XX/XX/XXXX. I was on the original mortgage with my then husband but divorced in XX/XX/XXXX. Leaving my ex-husband solely responsible for any additional debt obligations he accrued after the divorce including the modification. I was interested in purchasing a home I was renting in XX/XX/XXXX when the broker called to inform me that he pulled a credit report which stated I modified my home. I immediately called Wells Fargo bank modification specialist at ( XXXX ) XXXX extension XXXX. The customer service representative stated to me that my authorization ( signature nor verbal ) was not needed for a mortgage modification even if I was divorced. When my ex-husband passed away in XX/XX/XXXX, I had a chance to go through all his paperwork which confirmed that I did not sign. I contacted a friend 's lawyer who contacted Well Fargo while I was in the office and Wells Fargo bank verified that my signature was not on the paperwork. In essence, I take full responsibility for the original mortgage but not the additional ( {$150000.00} loan modification ) attached. Wells Fargo attached the modification to the back of the original loan.
I do n't work. I am a single parent, who does not work. I have tried on several occasions to get them to lower the payment. They talk to me as if I am a child. They refuse to lower my payment. They want me to pay in excess of XXXX dollars. I think they are doing this because my dad cosigned, so they feel he should pay. He even talked to them, told them how much he makes, how much his bills are, then they decided to charge more, monthly.
Pleae refer to complaint number XXXX. To date, I have not received follow-up or other additional information from the company ( e.g. itemized bill ). Please advise.
I was a member with Navy Federal Credit Union. When i was late on payments, they would withdraw whatever funds i had in my account, freeze my accounts until the late payment was paid, and call me over and over again multiple times throughout the day. After having my account frozen and overdrawn plus adding overdrawn fees added to my account, i could no longer keep my checking accounts with Navy Federal Credit Union. I tried to make things right with them but with all the fees added to my checking account, they made it impossible to considering the account was overdrawn because i was late on a payment and they froze my accounts and took whatever funds i had in the account. When i would talk to them on the phone in attempts to make payment arraignments, they would insist that i needed to take on multiple jobs such as mowing lawns and babysitting to come up with funds owed. I once got a call on my work line which was never given to them and that individual who called threatened to tell my employer of my debt issues.
ON XX/XX/2016 AT XXXX I BROUGHT THIS TO THE ATTENTION OF BOA MARYLAND 'S XXXX XXXX. HER AND HER BOSS STATED THAT THE ERRONEOUS LATE FEES AND PAST DUE LABEL/HOLD WOULD BE REMOVED, AS I HAVE BEEN MAKING MY PAYMENT BEFORE THE DUE DATE. 

XXXX XXXX : THE PROBLEM IS THAT THE BOA SYSTEM OR SOME EVIL, IDLE XXXX AT BOA HAS THE PAYMENT I MADE ON XX/XX/2016 COUNTING AS IF IT POSTED ON XX/XX/2016! 

XXXX XXXX XXXX : I do see where a late fee adjustment of XXXX and minimum interest charge adjustment of XXXX were credited to the statement balance on XXXX/XXXX/2016. 

XXXX XXXX : I ALLOWED 48 HOURS FOR XXXX CHANGE TO TAKE EFFECT, BUT THE PAST DUE LABEL HAS NOT BE RECTIFIED! 

XXXX XXXX XXXX : Thank you for waiting. I 'll be with you in just a moment. 

XXXX XXXX XXXX : Upon reviewing your account, I see we issued a refund request have you received your refund? 

XXXX XXXX : HER SUPERVISORS XXXX XXXX AND XXXX XXXX ADVISED HER OF THE BOA ERROR AND THEY SAID IT WOULD BE CREDITED!!!!!! 

XXXX XXXX XXXX : XXXX XXXX, upon review, I identified the issue. On XXXX/XXXX/2016, a payment of XXXX post that was applied to your XXXX/XXXX/2016 due date. On XXXX/XXXX/2016, a payment of XXXX was applied to the same billing of XXXX/XXXX/2016 because your account cycles on XXXX of every month. I completely understand your intent were to apply XXXX/XXXX/2016 XXXX payment to the XXXX/XXXX/2016 due date. I can easily correct this by issuing you the refund of XXXX that you made on XXXX/XXXX/2016. At you will, you can easily resubmit that payment. Keep in mind : Refunds can take up to 5-7 business days. 

XXXX XXXX : On XX/XX/2016 AT XXXX EST, I spoke with BOA XXXX , WV XXXX XXXX . He stated, on the purported record call, that " all fees would be removed and that the payment which posted on the XXXX will be counted for the XXXX, and the " past due '' label will be removed as there is no such thing as paying too early and it is evident that you have been paying at least 1 % of your current total balance due every month, and that the rectification would take 48 hours to be completed. '' Well it is twelve ( 12 ) days later, XX/XX/2016, and the same " past due '' label and inaccurate amount due claim is still erroneously on my account. As such this will be presented to the Attorney General, XXXX, Consumer Financial Protection Bureau, because Bank of America is no different than XXXX XXXX. You all are only trying to get rich any way you can ... past due label still appears when I login in ... I can not make my next payment before XXXX until this accounting error is removed and rectified first, because it will make everything going forward confusing and that 's what they want confusion.
On XX/XX/2018 I was a victim of identity theft. I was called by the branch manager at M and T bank saying that people were calling to be me and that I have had two activities on my account that were suspicious. One being a purchase at a shell for XXXX and the other is a XXXX at an ATM in XXXX XXXX, NY. I've filed a police report with the XXXX and the bank filed a dispute. The dispute for XXXX was given back to me. The XXXX has yet to be refunded and the bank has not been of any help or assistance to give me the XXXX. The last time the bank told me the case has been closed and told me to write a complaint letter which I did. The regional investigator accused me of taking out the money when he never spoke with the detective on the case and also the regional investigator also verified the recording of the people calling the bank pretending to be me was not me. I'm very irritated with M and T bank and would like my money back so I can finally switch banks.
In XX/XX/2018 I ordered a product from merchant ( XXXX ) in the amount of {$230.00} via XXXX which is attached to my debit card from Chase. A week had gone past and I never received my item. I contacted the merchant numerous times where they wouldnt give me answers. I then contacted my bank ( chase ) to start a claim as I never received my product. They said they would take care of me and issued me a credit. I have never received my product. On XX/XX/XXXX There was a claim reversal. I contact chase on XX/XX/XXXX to discuss the issue because I shouldnt be responsible for an item I never received. I spoke with XXXX in claims who stated that the tracking number shows its delivery and I there is nothing I can do. I ask for a supervisor for which he places me on a long hold and then tells me they dont have supervisors. I said that is absurd and requested one again. He came back after another long hold and informs me that they do t have any available. He says I need to take this up with the merchant. I plead as I do not want to be out of the money for something I didnt receive. I contact the merchant and ask for help and they inform me there is nothing they can do now that it is almost 4 months later.
Have been making payments to  XXXX   XXXX   XXXX  a  XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX , Texas for 2 years. I have the bank statements to prove this. Have not received a balance statement or acknowledgement of my payments. Have continued to pay monthly without fail. Called to check on the balance and  XXXX   XXXX   XXXX  said they did n't have my account. Gave them the acct number the payments were designated for and posted on the check. They said they turned the acct over to a collection agency a year ago. I have no indication that they had done this nor have I received any written notice from the " supposed '' collection agency, Amcall. Neither office can tell me who has been receiving and cashing my checks for two years. Amcall has spotty payments and  XXXX   XXXX   XXXX  says they do n't have any because a year ago it went to Amcall. However, I have been paying for two years. This seems to be a complete scam with neither party providing any written notices or verification of the debt. On top of this they have hurt my credit rating with undocumented collection claims
REFERENCE # XXXX I was a victim of identity theft six-seven years ago the accounting question with XXXX was discovered to be fraudulent never used by me did not belong to me yes the information was similar that's why it's called identity theft XXXX recognize this they closed the account it was never reported to any of the major credit bureaus once it was discovered what it happened police reports were filed multiple letters were sent back and forth and everything was eventually resolved until about a month ago when I received the first letter from this company stating I owed them a debt I immediately sent a letter explaining what I just explained I told them unless they had some proof which I knew they wouldn't to stop all further Communications with me that I had no intentions on paying them any money they sent me another letter helping this was their proof it's just some printing information there's absolutely nothing here that we didn't already know it shows XXXX shows an account number show the balance well yes nobody 's disputing that the account was opened it just wasn't open by me and Everyone except for this company seems to understand that I don't feel they're taking this matter seriously but when you start reporting it to the credit bureaus and you start affecting my credit score it becomes a serious issue
My father signed the document that he would pay for my braces. He was unable to do so and this debt was passed to Evergreen Financial. Instead of contacting my father to collect the debt they have contacted me. 
I have informed them on multiple occasions to contact my father however they have made no attempt to do so and have continued to call me at work and other inappropriate times. 
I also find it suspicious that they have not attempted to contact my father. He informed me that he filed for bankruptcy not too long ago. That bankruptcy would discharge the debt. I suspect that they are attempting to illegally collect the debt from me since I may not have knowledge of the bankruptcy. 
When I informed them of this information and requested they stop attempting to contact me, they put me on hold for 10 minutes while I was at work.
Greetings, Attached please find the support documentation for my case against American Express. I have included the individual charges and all communication I received once my initial dispute was filed with AMEX. I have also included online news articles from multiple reputable sources covering the disappearance of our caterer. 

Our caterer ( called XXXX XXXX ) charged us a total of four times for catering services scheduled to be rendered at our wedding on XX/XX/XXXX. In XX/XX/XXXX we received word from our venue that the owner of XXXX XXXX had closed the business and taken all of the funds we had paid ( The owner is still on the run and can not be held responsible until brought to justice ). When this information was presented to American Express, they initially granted us a refund and later took it back because we gave the business permission to charge the account. While true, we authorized the company to charge in anticipation of services rendered. We were not rendered the services promised and our money was taken. This breach of contract is a clear case of fraud. 

Please be in touch if there is any additional information we can provide. We have filed this complaint with the Comptroller of Currency and they have redirected us to you. 

Thank you for your time. 
Best wishes, XXXX XXXX XXXX : XXXX
So on theXX/XX/XXXX I spoke to someone in customer service because I was unable to make my payment due to the fact that I recently had a baby and was on maternity leave and would be returning to work soon. I told the girl XXXX payment would be late since my first check was going to be on the XX/XX/XXXX I first asked her if I could do both months on the same day she told me no. Okay I then asked if it was okay for me to do one payment that friday theXX/XX/XXXXand the payment forXX/XX/XXXXshe said it was fine just to not brake the agreement i then said thank and if it was anyway she can give me her name and send me an confirmation email with the agreement she then refused and said she couldn't do that. I left it alone and said okay. So fast forward to today the XX/XX/XXXX i get a call from the finance that my payment was due on theXX/XX/XXXX u then tried explaining the situation to the gentleman and he sent my call to the lady I had spoke to she then answered my call and was super rude started to scream at me saying I never said that and that she would have never made the agreement and that there was nothing she could do since my car was out for repo, I then told her I wanted to speak to her manager. I  was on hold for a really long time different people kept answering my call and wouldn't even talk to me and just kept forwarding my call until I got to the manager. Which was super ride screaming at me saying I was a liar! Because his employee never said that and he couldn't help me and that if I didn't pay at the end of the day my car would get repo! He wouldn't even give me a chance to speak so I hung up on him and told him I would file a complaint. He then called me back extremely rude threatening me that he would go for my car then.
We have submitted a Complete Loan Modification Packet but the lender is refusing to review because of the sale date.     Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regula tion X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).      QWR was sent on  XXXX  -2017 with  no response.
Transunion, is not allowing customers to dispute inaccurate information on the credit reports online or via any other way. They are once again in anti-trust violation. They do not have the right to hold this over consumers heads. We have the right to dispute and update inaccuracies on our reports. They refuse to respond, or allow us to fix the reports. I have tried to contact Transunion directly and to deal with this in a professional manner, and they refuse to follow the laws and regulations set forth by US government. Something needs to be done about this. Thanks : )
This is the complaint against Amex Business credit card ending in XXXX. All payments have been made and the card has been closed 2-months ago. And here I receive a payment notification of {$170.00}. What for? 
This card troubled me from the very beginning - it was approved immediately but never reached me. As a result, I could not receive any benefits. Then the card was neither received nor in my use but I keep on receiving notifications about the charges made on the card. Id be asked to pay those unauthorized charges along with the elate fee/interest charges that were added to the unauthorized transactions. 
Also, this card didnt have the annual fee for the first year. But I receive the card so late that I was asked to pay the annual fee for the 2nd year. And so I canceled the card. But now, two months later I received a notification from Amex to pay {$170.00}. I wonder what is it for when all the payments have been made. Please help in terms of 2 Amex credit cards : 1. XXXX - XXXX XXXX 2. XXXX XXXX XXXX Please help me in terms of removing these unauthorized charges and closing both the Amex cards permanently. 

Thank you