WillisBack/dataset-financial-user-claim huggingface dataset:
I scheduled two payments to be made by Wells Fargo to my accountant. The bills were for the same amount to be paid on the same day. When I scheduled the payments I inserted different invoice numbers in the memo line, ensuring that they were not duplicate payments. 

However, the day before the payments were to be sent Wells Fargo - ON ITS OWN - sent me an email telling me it had cancelled one of the two payments. The email was titled " Wells Fargo Bill Pay : Duplicate Payment Not Sent '' and it said : " We did not send the following payment because you had already scheduled another payment to this payee for the same amount on the same date, and the two payments appear to be duplicate payments. '' So I then had to RESCHEDULE the payment that I had PROPERLY scheduled, making me late paying my accountant. I contacted Wells Fargo to complain, and they responded : " In your email, you indicated that these two payments were not duplicates since you had provided information on the memo line about two different invoice numbers that were being paid. Please be advised that we do not review the information provided in the memo line when determining whether or not a payment is a duplicate as the cancellation is done systematically and is only based on the fact that two payments were scheduled for the same dollar amount on the same day. '' THAT IS CRAZY. Their system reads : Bill Pay Bill Pay : Duplicate Payment Not Sent It was OBVIOUSLY not a duplicate payment because I had included different invoice items. Wells Fargo has NO RIGHT to cancel payments I schedule without advising me, especially with no notice except on the date the payment was to be sent. If they thought it was a duplicate they could have asked me, rather than taking UNILATERAL ACTION AGAINST MY EXPRESS INSTRUCTIONS.
I was informed, after the fact, that my homeowners insurance, which was supposed to be paid out of escrow funds by Loancare, was cancelled despite having adequate funds in the escrow account. The insurance company stated the reason for the cancelation was because the payment was sent in late and therefore they cancelled the policy and returned the payment. Once I found out that the policy had been cancelled, I immediately went to work trying to get the original policy reinstated. This took a crazy amount of phone calls and time but after about two months, the original policy was reinstated at a higher rate. 

Both the insurance company and Loancare state that I was uninsured from XX/XX/XXXX-XX/XX/XXXX. Loancare put their own policy in place which was {$1000.00} a year more than the original policy. Loancare now states that even though I was uninsured, I would still have to pay for the new almost {$1700.00} policy that either never went into effect or was in effect for only a month or two. They said this was a " penalty '' for not having insurance ( which they were supposed to pay out of escrow funds in the first place ). When I disputed, they said there was " nothing we can do '' other than to have a supervisor from the insurance department call me within 48 hours. I never received that call.

As a result of all this, my payment has gone up about {$300.00} a month. After seeing that they have over 800 similar complaints on this sight, I believe that situations like this are not isolated incidents, but rather common practice for Loancare. In short, they XXXX up by not paying my insurance on time and are expecting me to pay for it. This could have been an easy fix for them. All they had to do was admit they made a mistake and take the appropriate corrective action to fix it. It was clearly their own mistake. 

I may not be able to make the full new payment. I suspect the next thing that will happen is they will unjustly XXXX up my credit and attempt a foreclosure. 

I rarely make consumer complaints but these people have went way over the line. I would not recommend using them under any circumstances. Their customer service is nonexistent and they put people at risk of being out on the street with little concern. They couldn't even tell me if the new increased payment was temp or permanent.

I want ( and expect them ) to repay any money already paid for this replacement insurance policy and return my monthly payment to it's original amount.
" Gulf Coast Collections Bureau '' called to collect a debt. I had missed the phone call, so when I called back the representative would provide no information on the reason for the call. I was asked repeatedly to verify personal information. I stated that I was uncomfortable verifying personal information over the phone to an unknown party with no stated reason for calling. Representative disconnected the phone. 

I called back a second time and a representative picked up the phone and said " XXXX '' and disconnected the phone. 

I called back a third time to speak with a supervisor who refused to provide me the reason for the call and again asked me to verify personal information. 

No professional license number was provided by the supervisor nor was the reason for or the 3rd party for whom said debt was being collected. 

The supervisor suggested that I request to be placed on a " no call '' list which i interpreted as a manipulative way to threaten my credit rating. If a debt were legitimately being sought after, this would most certainly damage my credit.
Collection Agency is using false and misleading information to collections for students loan which is more than 20 years old.
On XX/XX/2018 I purchased merchandise from XXXX XXXX store for the amount of {$220.00}. I never received the merchandise that was paid for even though the tracking shows it was delivered I never got it. I never signed for anything. Nothing. The merchant failed to send a replacement so I was out my money and no merchandise. 

This is when I contacted my credit card company, Capital One. I started a dispute for this transaction stating the above. They had me sign a form and send back with all the information they asked. I submitted as they asked and they denied my claim when they are supposed to protect me as their customer because I never got my merchandise so i was charged for something I never received.
I am filing this complaint against Experian Credit Reporting Agency for failure to comply with the Federal Regulations. After realizing that my credit has been damaged by the city of XXXX, I went straight to the city to find out the problem. Being there, they asked for my Drivers ' License what I gave them, but they were unable to find any information related to me and they asked me to send a dispute to Experian and have them remove it. I already sent about XXXX disputes letters to Experian since XXXX 2016 with proof that those XXXX accounts do n't belong to me and experian failed to provide me with viable information that those accounts belong to me. I asked experian several times to remove those items from my credit report and each time the send me a response, it 's to tell me that those items have been verified. Realizing that eexperian is acting in bad faith just to protect his interest, i am taking a liberty to report this situation to the FTC to resolve this issue. I have suffered enough with this credit damage. I ca n't refinance my loan, ca n't do nothing with this credit damage. You 'll find attached a credit report with those items, a copy of my drivers license, a copy of my US passport and a copy of the letter from the city of XXXX, bearing the name used to damage my credit.
I have been disputing for a whole year and two months every month to get these fraudulent accounts removed I sent in my FTC identity theft repot and my affidavit most of the accounts was removed from XXXX  and XXXX but Im having such a hard time with experian then they sent me a letter stating they we no longer reinvestigate these accounts which are reporting negatively on my report
I have sent a letter asking Equifax to verify the negative items items on the list on XX/XX/2017, and it has past the 30 days deadline to response and need to be deleted from my credit report.
Diversified Consultants reported on my credit report an account which is clearly not me. I have not used my credit in 5 years due to secret / divorce issue - REPORT NUMBER- XXXX Account XXXX
On XX/XX/18, we purchases a musical instrument from XXXX XXXX. At the time, they were offering a promotion through XXXX XXXX for {$150.00} off through two rebates -- one for {$100.00} and the other for {$50.00}. I submitted both rebates and received the {$100.00} gift card after one additional follow up, but still haven't received the {$50.00} gift card. My rebate was submitted XX/XX/18. I followed the directions on the form and mailed it to the address. After 8 weeks, I hadn't received the card. I e-mailed Synchrony on XX/XX/18 ( see attached ) and received no response. I then called them on XX/XX/18 and was told they had received my rebate, but didn't process it because the XXXX receipt was missing information. I was never notified of this nor had they reached out to XXXX. They said they would call XXXX. I asked them to then call me back. They said they would not do that. I needed to call. I feel they are being deceptive as their form says if I don't call and inquire no later than XX/XX/18 about my rebate, I will lose my rights ( see attached form ). They are just trying to get me to lose my rebate. It is extremely dishonest and I would like you to investigate.
I have overpaid to Mandarich Law Group , LLP ( hereinafter " MLG '' ) for benefit to their client XXXX XXXX XXXX ( " XXXX '' ) {$1000.00}. I have been repeatedly assured by representatives from MLG and from XXXX that the overpayment which was received from my employer in the form of wage garnishments that the companies executed, then failed to stop upon receipt of payment in full, would be or have been returned to me. The most recent response from MLG through the CFPB states that a refund in the amount of {$560.00} was sent to me along with a letter confirming that the judgment was satisfied on XX/XX/2018. As of this date ( XX/XX/2018 ) I have not received any satisfaction letter nor any refunded amounts from either MLG or XXXX. I have contacted 'XXXX XXXX ' at MLG via phone on XX/XX/2018 @ 1XXXX XXXX XXXX and was told that the refunds had not been sent and that the MLG accounting department would be contacted to follow up on the issue. I was also told that the additional {$480.00} which was garnished and sent to MLG from my employer on XX/XX/2018 could not be located and I was asked to follow up with my employers payroll company for assistance in locating the funds. Both MLG and XXXX submitted responses to my CFPB complaint dated XX/XX/2019 that this matter was either resolved or in the process of resolution. As of XX/XX/2018 that is not the case.

I would like both companies to provide proof of every correspondence regarding this matter that has been sent to me as well as copies of the checks that have been received on this account and refund checks that have been allegedly sent to me on XX/XX/2018. As of this complaint, XXXX through it's representative MLG, owes me the total overpayment amount of {$1000.00}.
D & A Services has continued to call my employer when my employer has told them more than once that I am not in the country and not permitted to receive these types of calls at work. I have no knowledge of what this could be about. To the best of my knowledge I have no outstanding debts. When they first called I returned their call and left two messages ; neither were returned. Their continued harassment of my employer is jeopardizing my job. I am receiving these calls from a man who states his name as XXXX XXXX from XXXX
On XX/XX/2018 I purchased a XXXX XXXX XXXX  from XXXX XXXX XXXX   in california  using my USAA XXXX XXXX card for {$1500.00} and {$1500.00} on a XXXX credit card. The vehicle broke down on the way home and I contacted everyone to get it resolved. The dealership told me to basically " XXXX off '' and that it wasnt their problem. I called XXXX and they resolved the issue within 1 business day and I had the money back in my account. USAA has now been " investigating '' this issue since then and still does not have the issue resolved. Every single time I call in there is a mysterious department that no one in USAA can contact who is " investigating '' this and that is all the info they have. At this point I have filed a XXXX claim, sent letters to the beuraus, sent letters to USAA and they refuse to fix this fraudulent charge.
Received a phone call from a representative of Security Credit Services advising me that they are attempting to collect an unpaid debt for furniture delivery in Florida. I immediately thought this was a fraud, and I advise the person that I was hanging up because I 've not purchased furniture and do n't even live in Florida. We conversed more and I found that somehow someone opened an account with my credentials with a company named XXXX XXXX XXXX  to purchase furniture - I was even given the address - a 'manager ' of this credit services company was the one whom provided me with this extra information and assured me he would send this case back to the leasing company. 
I immediately looked up this leasing company and called in attempt to clarify this - I was unable to speak to a 'person ' but was able to leave MULTIPLE messages. To date no one has contacted me. 
Pulling up my credit report after the XXXX security breach I noticed a collection account listed for {$1800.00} from Security Credit Services, I also see that one of my past addresses listed is FLORIDA? I 've NEVER lived in Florida - I can provide any proof needed and can attest to the fact that I have NEVER lived in Florida and have not opened any account from XXXX to purchase furniture. 
PLEASE CLEAR THIS OFF MY REPORT as this is FRAUD/I am attempting to purchase property and this should not be on my report - I believe this leasing company did not have a valid right to open an account under my credentials. How could this happen? This is completely false and illegal!!!!!!
In XXXX XXXX while I was deployed to XXXX, my parents co-signed a student loan for my spouse in the amount of {$26000.00} ; the loan was initially financed through XXXX XXXX and later sold/transferred to Navient. My spouse and I separated, and later divorced in XXXX. 
In early XXXX, due to my mothers failing health, my parents attempted to refinance their home, only to discover, since my ex-wife had not made payments and the student loan was in arrears, their loan was denied. 
Upon contacting Navient, my parents were told my ex-wife had repeatedly been granted deferments to take additional classes in additional to not making payments. At no time, as the co-signers, were my parents notified or conferred with when she deferred the loan to take additional classes or when the loan fell into arrears. 
We have been unable to contact my ex-wife ; attempts to call her last known phone number, use her last known email address, and mail certified correspondence to her last known physical address have gone unanswered and/or been unsuccessful. 
The loan which started at {$26000.00} in XXXX XXXX is now {$33000.00}. 
Parents : XXXX and XXXX XXXX XXXX XXXX Account is under the name XXXX XXXX ( maiden name XXXX ), # XXXX # XXXX DOB XXXX XXXX XXXX If you need a XXXX contact me directly.
On XX/XX/XXXXI ordered my free Transunion credit report from XXXX. I checked my credit report again on XXXX/XXXX/XXXX and I noticed a hard credit pull from Transunion made on XX/XX/XXXX. I ordered another Transunion report to be sure that a hard inquiry was made by Transunion. I contacted Transunion via phone and 2 representatives stated that there was no " hard '' pull made by Transunion and that the inquiry was a " review '' of my account. They also stated that their system is does n't show a hard inquiry pull made by Transunion. I have uploaded my full Transunion credit report that 's shows this hard inquiry. To expedite time I uploaded the inquiry page first.
My home equity line is going to the repayment phase in XXXX, and the payment will go up by over {$1100.00} a month. RBS/Citizens has sent me letters saying seek alternatives if this payment is too much or I 'd have trouble. I did call, and after getting bounced all over was rudely told there were no options for me as the house is now rented to keep it afloat since I could not sell it. They refused to do any workout or modification, but did say I could deed in lieu to them. They sent paperwork for that calling my loan in default when I have never made any sort of default in payment, insurance, taxes etc. I have always made all payments on time. They also called a completely separate loan in default on another property that has an RBS mortgage where I am also not delinquent and never have been and did n't even ask about that loan in my call. They refuse to do any sort of modification at all and tell me my only options are to pay off the loan or pay the {$1100.00} more a month, or deed in lieu the property ( having now told me I am in default when I have made all payments on time ). I want to do a modification to buy more time at a reasonable payment so the bank does n't lose money and I do n't lose the house and maybe the value comes back so I can sell it and get us all out reasonably and with payment in full.
In reference to the complain (  XXXX  ) already submitted. The company, Perfection Collection, respond that I agree to pay  XXXX  $ monthly for a total amount of  XXXX   XXXX  That is true if they will respond regarding the debt validation, before start any kind of agreement with this kind of people I want to see everything. I already request by certified mail and by e-mail 3 times directly to  XXXX   XXXX   XXXX  but I have not receive any answer. So for me complain is still open.   Attached is the letter that I sent and at this  letter I appreciate one answer,
I have spoken with this collector and explain the situation and I am making payments. They are calling more than 10 times a day never leave a message and do this eveyday. Some days less some days more. I understand I owe money but as explained to the company I am making payments as I have money. The calls are really an harassment at this point. I could not download my call list for you but I can provide the information if needed
I was issued a Credit Card from Bank of America in 2013. I have been making payments each month. I hardly make purchases on this card, due to I only wanted it for emergency reasons. I made a purchase the other day. and it was declined. I called the Credit Card Compnay, and was told my account was closed. I never received a noticed of this closesure, and they proceeded to tell me a noticed was sent out. As I looked over notices that I did not know were available on my online account. All noticed were statements, and not one indicated they were closing my account. I am really upset with this company, I have banked with them for many years, and this is how they treat me as a long time customer.
At closing there was a point added on to my mortgage for {$2000.00}. They said that I signed for it, and that they have proof that I signed for it. A point or any cost of a point was never discussed during the process of the loan. Throughout the loan process I had issues with the online disclosures that were sent to me, and I could not download the documents. At that time the mortgage representative said that he could handle the electronic signing of the disclosures if I provided him with my passwords, which I did, on 2 separate occasions. I had to redo my password the second time. When the CD was ready last week, I was again unable to access the document to sign or look at it.
I received a citation/lawsuit threat from a company I have never heard of or dealt with named Zwicker & Associates. They have not contacted me before now but yet claim they are suing as XXXX XXXX. XXXX XXXX informed me that they charged off the debt in XXXX XXXX. My husband was speaking with a company known as XXXX and negotiated a settlement with them in XXXX XXXX for the debt they had purchased from XXXX. I 'm not sure why this other company says they are now DBA XXXX XXXX - or if they are even affiliated with XXXX XXXX. They sent a plain clothes man to my house after XXXX on XXXX/XXXX/XXXX. He looked through my window and waved at me which I found quite disturbing, considering that it 's just me, my elderly mom and kids left at home. I cracked the door and he said he had something for XXXX XXXX. I thought he was dropping off something for my ill XXXX year old mother ( named XXXX XXXX - who I am caring for ) but then I saw that it in fact had my name on it, and it was referencing collecting for XXXX - and not the $ XXXX settlement that my husband negotiated in XXXX with XXXX , but an amount exceeding {$20000.00}. I knew that XXXX ( my late husband who died suddenly last XXXX ) had negotiated with XXXX years earlier. A search through his office files shows notes and a check copy to XXXX - not this " Zwicker & Associates ''. I have not been contacted by XXXX or XXXX since he settled the debt in XXXX. I assume XXXX bought the charged off debt from XXXX in XXXX of XXXX. Did XXXX or XXXX " sell '' this account AGAIN to another debt collector?? If so, who has the $ XXXX of the original settlement from 2 years ago? Does this company know of my husband 's sudden death and now they are trying to threaten me into double paying it because my husband 's last name is n't on it? I am a new widow with XXXX young sons to raise, huge bills, IRS installment payments from my late husband 's now defunct business ( which died with him ). I can not afford to hire an attorney to fight a threat that has no explanation or details attached to it, or accountability on the part of XXXX or this " Zwicker & Associates ''. There are a ton of complaints and legal issues online all against Zwicker & Associates, so I do n't know if they are legitimate or a scam. What are my rights to protect my family? I do n't understand how companies can legally file a suit or judgement against a person without ever contacting them before, let alone having no proof of a claim. Can you please help me or direct me to someone who can?
Equifax have now updated my report since XXXX of 2016 i purchased XXXX different reports with the same information with no updates on it and old score they claimed i have a large file and it been split into XXXX the items that have been deleted came back on there due to identity theft they have police report on file copy of my social and a utility bill my whole complete credit file is incorrect every time i call they delete something and they lady asking me what 's my accounts my whole file is a mess i want to file a law suit on this
I was previously insured with XXXX XXXX XXXX. Due to unsatisfactory service with XXXX XXXX XXXX I cancelled my auto insurance coverage with XXXX XXXX XXXX in XXXX 2016. I am now receiving a bill from Credit Collection Services for {$27.00}. This is the first I have heard about any past due amount. Plus when I cancelled my policy with XXXX XXXX XXXX, my account was current. This is a debt I do not owe.