WillisBack/dataset-financial-user-claim huggingface dataset:
Wells Fargo offers a " Returned item and Deposit Details '' service to customers for a fee of {$3.00} per month, allowing customers to view copies of deposited check images in online banking. Their terms state that " This fee is charged only during a month when the service is used ''. This can be a useful service and tool, well worth the {$3.00} fee when needed. ( See page 24 of attached PDF, referenced as page 35 within the booklet ). However, this fee has occurred on monthly statements in which the service has not been rendered, or the service was used without our positive consent. A ) Wells Fargo should be forced to alert the customer with a pop-up that a click within online banking will result in a fee for that month. The alert should require positive consent from that customer that acknowledges the fee will occur that month. B ) If the check image is unavailable for viewing, the customer should not be charged a fee as no service has been rendered ( see attached screenshot ). I consider this similar to the XXXX scenario, where a customer must consent to a purchase prior to downloading an app/music.
2nd attempt : Although I have tried multiple attempts to resolve this issue with Experian via telephone, they continuously refuse to adhere to the FCRA rules and regulations. Experian also refuses to provide me with a Method of Verification that they used to determine both the validity and accuracy of the item ( s ) that that is required by law, pursuant to 611. Procedure in case of disputed accuracy ( 15 U.S.C. 1681i ). Therefore, Experian are in violation for both their willful and negligent non-compliance according to 616. Civil liability for willful noncompliance ( 15 U.S.C. 1681n ) and 616. Civil liability for negligent noncompliance ( 15 U.S.C. 1681o ). These are some but not all of the violations that were committed by Experian ; yet, the remaining violations are listed in my attached documents. Furthermore, due to the severity of this violation I will also be filing complaints with the FTC, BBB and the Attorney General 's Office.
Hello, I have 14 different student loans that are showing 90 days late on XXXX, XXXX. This information is not correct. My student loans have always been deferred, forebearance or on an income based repayment plan. I have made all required payments, on time. I have submitted all necessary paper work, when they ask, however they ask for it. But they still have not updated my credit reports to show accurately. I believe this is some sort of agent error. Of which they are commonly known for ( example : I filed for a deferment recently, and it was DENIED because according to them, I have loans disbursed before XXXX, which is impossible because I was only XXXX years old in XXXX. *this issue has been handled. Just using it as an example of THEIR error ).
I was advised to close my account because someone wrote a check And forged my signature a {$44.00} check I opened another checking account with new number and closed the old account Being a senior citizen ( XXXX ) and knowing almost nothing about banking I asked and thought I was told my bills coming in to my old account would be sent to my new account Boy was I in for a surprise all 20 or more bills automatically send to my old account were returned as account closed I was hit with returned check fees galore and the worst was gas company who threatened to turn of my gas and pay only in cash No checks I incurred many late fees $ XXXX- {$37.00} because of this Times 20 my fixed retirement income will not support this at all
USAA will not allow me full member access to my accounts saying that " Since I declared bankruptcy they ca n't collect debts ''. This is contrary to bankruptcy law, as my bankruptcy was finalized 3 years ago, and therefore I no longer owe them money. When I call to find out more and get more details and ask to speak to a supervisor in banking they put me on hold for XXXX minutes and then disconnect me. They only allow me mobile access, which does not allow access to my USAA accounts to change how I pay my bill and do other critical things.
Under complaint XXXX the company stated they would provide the necessary information to credit bureaus to update the account correctly yet it has been more than 30 days and this account is still showing up as open with a balance owed and it should not due to this debt being XXXX through bankruptcy.
On XXXX/XXXX/18, i submitted {$24.00} USD/BTC through coinbase to XXXX for BTC. I was charged over {$18.00} USD in fees and i can not reach the coinbase or whoever charged me the fees. I have done transactions to XXXX before with coinbase and never charged so much. XXXX received only a little over {$5.00}.
My loan was transferred to a new company- I was never informed until a month after it happened ; because I live in the XXXX XXXX they will not allow me to pay my mortgage online like I used to in the past, even though I am paying with a XXXX bank account. This means I will have to pay via telephone at a cost of XXXX $ each time or risk huge late fees if I mail it since it will take a couple weeks to arrive. Also, they are forcing me to purchase wind coverage, which my policy does not cover, and my condo association has never heard of this before. Not one unit in my complex has this coverage, nor are they required to have it. This company is rude, unable to communicate via email and antiquated ; I would like my loan to be transferred back to XXXX XXXX XXXX asap before I am charged more in late fees that I 'm not responsible for. Plus I can not access any of my loan information online.
I asked Union Financial Services to transfer a XXXX XXXX account ( ~ {$630000.00} ) to Union Financial Services and manage that account. I understood a fee would be charged for the service. After the account was transferred I learned Union Financial Services was also charging a fee for my IRA ( ~ {$260000.00} ) account without my instructions. Union Financial Services Compliance Analyst, XXXX XXXX and XXXX XXXX sent me a letter with a copy of the transfer request with the copy of the Managed Account New Account Application for the Account being transferred From XXXX to Union Financial Services as proof that I wanted Union Financial Services to manage my IRA account. I asked for a copy of the application that Union Bank Financial services alleged that I signed for managing my IRA account and Union Bank Financial Services was unable to provide that document. Union Bank Financial Services also advised me that they decided to close my IRA account and other accounts as punishment for asking the details of my investment accounts.
I have had several bank accounts with Bank of America and XXXX, I am on XXXX so things are tight for me and I get overdrafts sometimes. I get my check once a month, they would sometimes not pay something or let go through just to apply XXXX or XXXX overdraft charges, you get a overdraft charge of XXXX, a nsf fee of XXXX and an extended overdraft charge fee once a week for as long as overdrafted. The accounts become overdrafted and you ca n't pay back so they close the account, and show overdrafted your checking and your savings, they have yet to explain to me how you overdraft a savings account. The savings account is to help keep from overdrafts if you have money in it. Once the account is closed the negativity is showing in both savings and checking and when go to pay it they make you pay the savings and checking so you pay twice for the overdraft fees and whatever is paid through the checking account. The savings account should not go into negative as there is nothing taken out of it. I do n't think it is right to have to pay XXXX accounts when only the checking account has over drafts and payments coming out of it.
In a matter of months, my FICO XXXX Score reported by Experian fell from XXXX down to XXXX. The only XXXX transactions in that time were paying off XXXX auto loans, replacing them with a single {$12000.00} loan on a new {$35000.00} car, and re-closing a XXXX Credit Card I had closed three years ago that XXXX left open. I have NEVER missed or been late on any payment in 50 years over XXXX of loans. I still have a no-limit XXXX XXXX card that I opened in XXXX that I pay off every month. I still have a XXXX XXXX I opened in XXXX. I have a $ XXXX mortgage on a $ XXXX house against a $ XXXX annual income. I have no other debt. I " joined '' Experian and received my Credit Report dated XXXX/XXXX/XXXX with nothing but Green on every single entry for XXXX loans listed that go back 44 years showing " Never Negative '', 11 years average account age and 44 years for the oldest account. I spent HOURS on the phone with Experian ( mostly on hold ), being bounced from department to department but NOBODY could explain why my Score crashed XXXX POINTS for no reason. I explained to several of XXXX agents that I am a XXXX year-old XXXX-out by the frustrating treatment to no avail. 
EXPERIAN 'S CREDIT REPORT # IS XXXX
Credit report shows a real estate account as open that is closed. 
Loan was refinanced in XX/XX/XXXX with same company and as part of this original loan was paid in full but account still shows as open with a balance and monthly payment amount. Essentially account shows double mortgage balance and double payment as current when one replaced the other. 
I called the company in XX/XX/XXXX to resolve this but credit report still shows account as open.
This complaint about SIR XXXX XXXX, XXXX. address below XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX In the month of XX/XX/XXXX I went to pay rent to the XXXX property manager, I was also behind on my payments due to my unemployment in the month of XXXX. On XX/XX/XXXX I went with my daughter to pay for both months in two separate checks with my daughter, but the property manager refused to except my checks, she told us both to go to court. Two weeks later I received a letter for the court date. I went to court and the judge asked when I can vacate the premises because my daughter is in high school, then the judge told me I have to vacate XX/XX/XXXXt and pay {$1300.00}. He also dismissed the court case number XXXX. XX/XX/XXXXt I went with my daughter to pay {$1300.00} in check by court order. She accepted the check but refused to inspect the property XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL. She later refereed my case to XXXX XXXX XXXX address below XXXX XXXX XXXX XXXX, WA XXXX Two months after she sent me a bill from a collection agency for the wrong amount I owed which was wrong. 
In the end I would like to inform that they never worked on the apartment in the five years I lived there, they never replaced the carpets, painted the walls and never fixed the leaking walls. Due to the leak in the wall, a fungus started to grow which my daughter was allergic to. We have medical bills to prove this. I hope you will take a look at my issue. 

Sincerely, The XXXX family
An agency named XXXX attempted to contact me but called my husband. This has happened before and they contacted my sister in law in a different state. The phone # is XXXX. Tis XXXX time I did not let them go on as per information on line and my attorney this is a scam. The XXXX woman when I just called back was named XXXX XXXX. They claimed I have an unpaid Payday Loan which I never had. Today they wanted me to pay them to clear up information about a payday loan. The first time they threatened me with legal action ( the Sheriff Dept. and court would charge me ) if I did not pay them now. They were threatening and very unprofessional and made no sense so I have always hung up. The scary part is they have my SS # and banking information. This, to me, is a clear case of identity theft. How should I proceed? 
XXXX
Hello, the interest rate of this loan is variable and it 's never dropped below 10 %. I asked for Navient to give me a break on the interest because for as long as I 've been paying into this loan, its principal balance has n't dropped. I am not able to pay into it as much as I 'd like because I have hardships mainly due to my medical expenses ( XXXX ), but that 's not something they consider. There 's been a lot of time and money lost between now and when I got signed on with them and I have n't got anywhere. After several emails and phone calls with them, they 've refused to give me any help paying this off. There was a time where I could n't pay into it at all and they were calling me relentlessly, at work especially and late in the night when I had already gone to bed, switching between XXXX numbers and private numbers. Of the options given below, I can only choose one, but the list below better describes my issue. These arent all of them. 
1 ) Ca n't repay my loan. 
2 ) Dealing with my lender or servicer. 
3 ) Received bad information about my loan. 
4 ) Getting calls about my loan. 
5 ) Having problems with customer service. 
6 ) I ca n't repay my loan. 
7 ) They wo n't refinance my loan to help me out. They 're perfectly fine with me paying them interest for the rest of my life. 
Thanks for any help that can be rendered.
In XXXX XXXX, my wife XXXX XXXX. At the time of her XXXX, I satisfied my mortgage loan of {$120000.00} with XXXX XXXX XXXX ( see attached payoff statement ). At the time I was preoccupied with the XXXX, XXXX XXXX, etc. It was not until a few months ago that I rediscovered the life insurance policy that my wife and I had with XXXX XXXX XXXX / XXXX XXXX XXXX. XXXX ( XXXX ) ( see attached " Approved '' letter from XXXX XXXX ). 

I contacted ( XXXX ) approx. XX/XX/XXXX regarding the policy. They had confirmed that the monthly premium of {$58.00} was being paid by GMAC out go escrow through my mortgage payment ( see attached policy cover letter ). They then informed me that GMAC had stopped making Payments XX/XX/XXXX. After questioning XXXX/XXXX as to why GMAC would stop making payments, I was told that GMAC could have changed insurance companies. 

After making attempts to call GMAC I have discovered they are no longer in the mortgage business ...
I received letter from Wellsfargo bank dated XX/XX/2019 saying they will close my checking account. They did not give any reason other than some risk management. I did not do anything wrong. I called to complain and they said to refer to their policy. They said they have right to close account. They would not give explanation. Stupid way to do business and inconvenient people without good reason. Wells Fargo should be shut down if this is how they do business.
I attended XXXX XXXX and they set me up with student loans that now belong to Navient. After unsuccessfully finding a job in my field, and no thanks XXXX, I found myself in default and unable to pay my massive loans. I have finally reached a point in life where I can attempt to repay my debt. After negotiating with Navient, I have been sending payment to Navient, but it only covers the interest of my loan. My principle still looms over my head. It was the best deal they could give me I guess. Please help.
I made a payment though XXXX on my Citi Bank App on XX/XX/XXXX of {$1600.00}. Unfortunately, that payment went to the wrong person. The number had one of the digits wrong and was received by the wrong person. I made the transaction before XXXX XXXX and didn't find out until later that evening. The person that was supposed to get the money called me asking if I sent the money. That's when I realized the money was linked to the wrong person on accident. At that moment I was fine and called customer service right away. When I called, the lady I spoke to said that it was too late to reverse the claim. They transferred me to the fraud department to start a claim. The person I spoke to at the fraud department basically told me that the only way for me to get it was by having that person return my money back. To me, that sounded absurd so I asked how come they wouldn't do that instead of asking me to do it myself. The lady basically said they will try within 45 calendar days. At that point I freaked out so I decided to call the lady after I was done speaking to the fraud department. After numerous attempts and dialing from different numbers, the lady finally answered. When I spoke to her she kept saying that I was trying to scam her. She also stated that such money was already gone from her account and she also wanted to speak to her family to she how she should proceed with this. I was on the phone with her for over 30 minutes, explaining to her and asking her to please send it back to me. Once I mentioned law enforcement, she hung up and never answered her phone again. I tried to file a police report after that call and they basically said they couldn't do it because she wasn't doing anything illegal. I explained that she knows that money isn't hers and she's still not giving it back so that's pretty much stealing knowingly. They denied me the police report and at this point I'm blown away. I kept calling customer service to check on the status of my claim and they kept on telling me to wait, that I would receive a letter in the mail. Tuesday XX/XX/XXXX, my account was credited and refunded. I was happy but that happiness didn't last long enough. The following day the money was taken away again and was told that my money was gone and that they weren't able to get the money back from that person 's bank account and I had to pay for it. To this day, I've complained, written letters and spoken to different managers and it still hasn't been resolved. I need help to get that money back. Please..
Equifax 's information security program failed to properly protect my NPPI as a result of a massive data breach. I checked their website, which confirmed that my data was likely exposed. Equifax attempted to offer account protection services, but demanded a waiver a future claims. The CFPB must ensure that Equifax properly protect consumer data and provide FREE monitoring services without demands for waiver of rights. The company is responsible to protect its customers.
XX/XX/XXXX, I reached out to Wachovia due to financial hardship to initiate HARP application. However, XXXX of the reps asked if we had any water damage due to XXXX as we might be eligible for disaster relief. It was determined that we were eligible for XXXX months of deferred mortgage payments in order to make necessary repairs. As a result, this shows up as a negative on our credit report with ND and XXXX days past due. This account was then closed as we transferred to the HARP program. Wachovia also told us that @ {$30000.00} past due property taxes would be included in the HARP refinance. Instead, the {$30000.00} was paid out separately with a lien against our home. Although the HARP was approved and $ XXXX month payments were made the first XXXX months, the credit report reflects none. We were told that this would be temporary for those initial 3 months, then return to previous. What we did not realize is how this made our credit tank, so that all other companies closed accounts that had {$0.00} balance or lowered our limit making our ratio much higher as all cards looked maxed out. Shortly after, Wachovia was taken over by Wells Fargo, and these discrepencies still reflect as negatives on our credit report. We have disputed these via all XXXX credit bureaus providing Wells Fargo with copies of cancelled checks or statements reflecting the mortgage payment for the months listed as delinquent, to no avail. We have accumulated much debt as my husband had a life changing accident. Property liens, college costs, medical costs, legal issues ... we considered bankruptcy at XXXX point, but we have been slowly digging our way out. 
By XX/XX/XXXX, we were approved for XXXX that would enable us to consolidate school loans and credit debt, as well as past due state taxes as we were at risk at having another property lien placed on our home. The local branch misguided us, Anxiously awaiting the closing, we were dismissed by local branch XXXX that these things take time, anytime we asked about closing dates. It turns out, the loan XXXX took ill, eventually took a leave of absence without fully completing the application. Instead of informing us, the local office resubmitted the application, causing our credit to drop below their required score to obtain the loan. Fortunately, the state was understanding, and allowed us to set up an installment plan to avoid a tax lien. 
After XXXX years, we have significant equity in our home and we are still trying to consolidate our debt. Unfortunately, Wells Fargo continues to maintain our credit score is n't sufficient as they use a different reporting system that give a lower score. Thus, we have to pay higher interest rates on credit cards and school loans, with a larger monthly payment than if we consolidated and paid the XXXX XXXX XXXX each month. 
So today, I receive XXXX letters from Wells Fargo. XXXX, congratulating me as I have been preapproved for a personal loan up to {$100000.00} ... the other, regretting to inform us that we have been denied a home equity loan. Give me a break! 

Maybe I need to complete XXXX different complaints?
Hello, This issue is in regards to a mortgage being survived by PNC. The details are : 30 year term with a fixed interest rate ; payments are principal and interest only. The mortgage began through XXXX XXXX XXXX in XX/XX/XXXX, that bank was purchased by XXXX XXXX. XXXX then sold the servicing to PNC in XX/XX/XXXX. Upon the purchase, PNC erroneously placed an escrow on the account for the annual home insurance. The fee was {$330.00} annually. So the monthly payment went from XXXX to XXXX. I contacted the bank in XX/XX/XXXX to notify them if the issue. PNC told me the issue was resolved in XX/XX/XXXX. However, in XX/XX/XXXX I received notice that my payment was late, as they were holding my principal and interest payments until they recover the amount including escrow. I called PNC in XX/XX/XXXX and notified them if the issue. PNC said it was resolved. In XX/XX/XXXX I called again as I was notified of late payment again. However this time PNC reported a late payment to the credit bureau. This was in error as they were holding my payment waiting for the escrow amount that : was incorrectly placed and never removed. I called in XX/XX/XXXX and PNC stated the issue will be r viewed internally to verify the loan document state principal and interest only. This was never done and they continue to report me as late. In XX/XX/XXXX I called again. I was given the balance of the escrow and made a payment to clear the balance. I also was told I needed to fax a letter saying the escrow was placed in error and must be removed. I faxed a letter on XX/XX/XXXX. My request was denied as " I had late payments in past. '' My payments were made on time. PNC was holding my payment because they were awaiting the escrow payment. I have tried for a year to resolve this issue to zero success. I hope the CFPB can help mediate this so PNC does not illegally report credit issues and hold payments because they have incorrectly identified a mortgage as escrowed.