WillisBack/dataset-financial-user-claim huggingface dataset:
WellsFargo admits to changing my account without my consent form savings to checking with no overdraft protection. WellsFargo admits they were aware that I already had a checking account with overdraft protection.
WellsFargo also admits they received a refund from a merchant after automatically withdrawing funds from the unauthorized account sending the account into overdraft for more than {$1000.00}. 


WellsFargo admits I told several bank representatives about the strange account activity. WellsFargo admits a bank manager and assistant manager have written emails with additional questions where I swiftly responded. 

Now WellsFargo claims to not use email to communicate with customers. WellsFargo also can not explain how activity occurred on a closed account. 

WellsFargo claims I deposited a check into this closed account with no overdraft protection. I never saw this check nor authorized the deposit. 

When they respond to this I will post it. It shall read as all others. WellsFargo admits no wrongdoings. WellsFargo has no explanation of the experience and will not investigate. WellsFargo has finished responded because WellsFargo is not governed by the CFPB and is not required to respond further. 

Over {$14000.00} was drained from the unauthorized account. After my second complaint to CFPB WellsFargo sent an email admitting massive fraud but still refused to explain the obvious theft from my account. 

I have several emails from XXXX XXXX and XXXX XXXX of WellsFargo from my initial 2 complaints. Since then WellsFargo claims to have implemented a company wide policy eliminating email communication.
Got 2nd mortgage with XXXX XXXX in XX/XX/XXXX, amount owed was XXXX, they sold my account to XXXX XXXX  in XX/XX/XXXX after 16 yrs. I finally paid it off in XX/XX/XXXX, when I got the DEED of TRUST amount showing on it was XXXX after paying XXXX per month for 25 yrs. you  would think amount would go down instead of up. Not sure whats going on but I would like to know if any one else is having this same problem with SELECT PORTFOLIA SERVICING, XXXX Thanks
I currently have two private loans with Navient. The first loan was taken in the amount of {$15000.00} and is now after interest {$28000.00}. The second loan I took was in the amount of {$12000.00} and is now {$22000.00}. My total loan balance has nearly doubled and now {$50000.00} and growing when my original loan balance was {$28000.00}. I have been on the payment reduction plan because the normal monthly payments they expect me to make are truly unrealistic and impossible for me based on my income. I have made my best attempt at making every payment in the payment reduction program however the balance continues to grow because those payments I am making are simply going to growing interest. At this rate I will never be able to pay off these loans and simply do not know what to do. I believe I was deceived by XXXX XXXX when I took these loans and had I known what I would be going through now I simply would have never taken private loans in the first place!
Ive been having issues with 5th 3rd ( the bank ) since its inception taking over my mortgage loan from the previous loan servicer. First, the bank failed to calculate my escrow account balance correctly by missing the begining balance, then the bank failed to calculate the interest payment required of escrow, now it simply refuses to properly apply payments ( as a result of its own internal failures applying payment ). The bank has falsely reported to credit unions that I have missed payments, when in fact its the banks own failure applying payments. In the end, now my credit report is filled with errors and the bank os requesting extra payments for previous payents ( made 1 or two dayd before due date were improperly applied ).
Wells Fargo is raising my payment from {$1300.00} to {$2900.00} while in bankruptcy, the only reason they are giving is because they made a mistake, and the insurance is not even included. Please help me!
I need correction in my address and my name on all the credit bureau ... cause when i try to get credit card they denied my reqs and i have good credit .. i am waiting since XX/XX/2018 .. i sent id and i still waiting ...
I am currently using BOA 's merchant services for my online business. They are currently holding an order that is about {$2500.00} because they need to check it for fraud they say & it should only take an additional 24 hours. Well it has been a week and they are still holding the money but they took it out of the customer 's account but not transferring it to me. That makes no sense. So the customer is wanting their item and upset they have been charged for it already but I ca n't ship their product until I get paid. BOA assigned it to a security rep that checks for fraud that is supposedly on vacation because she has n't been to work the entire week. All BOA tells me is that I have to wait. This affects my business and reputation. Im sure BOA would n't do this to a large store. They are taking advantage of a small business and that is not fair.
I took a loan out and was charged 350.97 % which is an unreasonable amount of interest
I have been trying to get my free credit report from them and every time i try the telling me i have to pay to get it from them.
Dear CFPB official, I am a customer of Chase Bank in XXXX ( XXXX XXXX ). On the XXXX and XX/XX/XXXX there has been some restaurant shopping in XXXX, CA, XXXX XXXX, CA and XXXX XXXX, NV totalling approximately {$130.00} with my debit card. During these dates ( XX/XX/XXXX and XXXX ) I was out of state in Utah and Idaho with my family for holiday. The debit card which was claimed as physically used in California ( where my residence is ) fro restaurant shopping, was also with me in my wallet. After I came back from holiday I noticed these suspicious transactions and called the fraud line. They cancelled the old card and told me to destroy it which I did. They said they will do an investigation and come back to me. They did actually and they debited my account for these transactions as they believe I did these transactions in person and try to deceive the Chase Bank as if I never did. And this is totally unacceptable to me. I never ever my entire life went to those restaurants ( XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX ) let aside dining there. 
I say the debit card was with me at the time of incident and they say the vendor told the card was physically used at the shopping. So there are three possibilities either I am lying ( which I dont! ) or the vendor is lying or the debit card is copied. So the officials of Chase Bank told me today that they believe the vendors not me. They don't even use the benefit of the doubt that I might be saying the truth! They told me that I can go to the Police! 
As an ex-XXXX for 25 years, this approach is totally unacceptable and I can't and I won't tolerate this treatment. 
I was out of state and I can prove with my XXXX XXXX XXXX Credit card statement as there are transactions I did on the day of this incident where I was in Utah and Idaho. One can spot my location ( and my family 's location through my operator XXXX at the time of this incident ). 
In the meantime, I almost never use my debit card except for gas stations ( seldom ) and for my daughter 's tennis club payments. So this is clearly a fraud which involved copying of my card and for that as a customer there is nothing I can do. The Chase Bank should accept this and stop accusing me as if I am a thief. The Fraud department should do their job properly and stop engaging prejudice against the customers and try to listen to them as well and use the benefit of the doubt when possible. 
Since they told me today there is nothing I can do within Chase Bank I am writing to you. I hope you can help me to get my rights. I am not after a 100 plus dollars but I am after my reputation. I want Chase Bank to give those amount back to my account and apologize for what they did. 
Thank you very much for your help best regards, XXXX XXXX
On XX/XX/XXXX I paid off my student loan on line. It is through a company that doesnt seem to know whether its coming or going unfortunately. I went to their web site and paid off the total amount it gave me for an unsubsidized and a subsidized loan in of {$9800.00}. The website didnt like that amount it directed me to make individual payments for sub and unsub loans. I followed instruction and made a payment of {$6300.00} and then a payment of {$3500.00}, I received conf # on both transactions. On XX/XX/XXXX my parents found their account was over drawn and had a service charge of {$34.00} for returned checks. Naivet had taken all 3 amounts, the first total amount the site didnt like of {$9800.00} was withdrawn. Additionally the 2 individual amountswere also taken. They owe me {$9800.00}. They were very quick to put a mark my and my moms credit. They are incompetent when it comes to correcting their own mistake! Today is XX/XX/XXXX. I have called them5 times been on hold most of the day or on line there is never a real answer. Give it another week ...
I was shocked when reviewing my credit report and found a late payments on the dates below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Checking my XXXX Credit Report they list my Chase Mortgage as " Delinquent ''. 
This Mortgage was transferred to XXXX XXXX XXXX XXXX, XXXX. 
This Mortgage was " PAID IN FULL '' on XXXX XXXX, XXXX ; see attached Letter from XXXX XXXX or contact them directly for independent verification.
I was told that income repayment program was the best for me because it was goes based on my income alone. What I was n't told is that there is a cap and when ur married it includes my wife income now as a result I 'm paying much higher and there nothing I can do about it because if I get out then I pay much higher. On top of that I requested for them to change my auto pay account and they told me that I have to stop auto pay the regular rate with the higher interest then change the account. Even though they can change it via paper request they ca n't via phone even though they already have the account on file. When I requested to speak a  manager I was refused but then they just put me on hold for 15 mins to chan ge a simple thing.
I was shopping for a mortgage. I approved credit inquiries on : XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX These are the ONLY credit report pulls that I authorized. 

XXXX lists 6 inquiries from XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX - One from XXXX and 5 from XXXX XXXX lists 3 inquiries from XXXX XXXX XXXX XXXX XXXX, XXXX. and XXXX - two of which are XXXX XXXX. 
XXXX has 4 Inquiries from XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, and XXXX Each of the four lenders was only authorized to check my credit one time The reason that there are so many checks is because of their use of the Lender Processing System with XXXX XXXX which requires repeated credit pulls when any of the loan parameters are changed while calculating loan rate and payment scenarios. 

I only authorized 4 credit checks, one time each from each lender.
i have a mortgage loan with Ocwen Loan Servicing. Just received a letter from Ocwen indicating that as of XXXX XXXX, 2015, it will no longer service my loan and that all payment are now to go to XXXX XXXX XXXX. I called Ocwen to ask when i will get a letter from XXXX ( as Federal law requires ) but no one seemed to know what i was talking about. 

Federal law requires that both the old and the new servicer send a letter to the borrower. 
I am filing a complaint because i was told that Ocwen will stop accepting payments as of XXXX XXXX, 2015, but i have not been formally advised that XXXX will accept my payment. 
As you know, because scammers create phony companies and advise lenders to start making payments to them, several years ago congress enacted the law requiring both lenders to send a letter.Legitimate lenders generally send a joint letter ; the letter i receved was only from Ocwen
My mother has XXXX XXXX, and I have durable power of attorney. I want to close her JC Penney 's charge card account, and I called them XX/XX/XXXX to confirm what information was needed and what  address to send the letter to. I sent the letter to XXXX XXXX XX/XX/XXXX at the address provided, requesting her JC Penney 's credit card be closed. The Power of Attorney document was included. I received a response XX/XX/XXXX detailing further information required to close the account. They are requiring a signed statement from my mother authorizing me to close the account. Due to her XXXX, this is not possible. More importantly, the Power of Attorney they received with my XX/XX/XXXX letter is my mother 's legal authorization to close the account, so an additional signed statement is duplicative. Additionally, they require my SSN and DOB to close the account. There is no logical reason to require my SSN and DOB to simply close my mother 's account. My address and phone number are provided in my letter. I called the bank today, and they will not honor my request to close this account. XXXX XXXX  's refusal to honor my legal request to close this account is nothing less than putting hurdles up in our attempts to care for our mother in a difficult time, and protect her finances from fraudulent charges.
I had a student loan with XXXX back in XXXX. I recently graduated from XXXX school in XXXX XXXX. I have n't recieved any mail from Navient with a welcome letter the address/phone number they had on file was incorrect. I put my loans in deferment with the department of education in XXXX XXXX they told me I would n't have to worry about any loan payments until XXXX XXXX. XXXX XXXX, XXXX I got a call from an old classmate saying Navient left them a message to contact them. I immediately called Navient to see what happened. Navient said I had made any payments to my loan I was confused because I was in deferment. I explained to them that I should be in deferment I filled out the paperwork in XXXX XXXX and I was approved. I reported that I do n't have a full time job as of yet and I 'm actively looking for employment. Navient said they understood and all I had to do was fax them unemployment forms which I did. I checked my credit score and I been report for 90, 180 days late.
Re : Specialized Loan Servicing , LLC ( " SLS '' ) In an effort to do a Short Sale on a property that my XXXX year oldmother owns, SLS, has scheduled an auction of the property forXX/XX/2015. We have submitted all requested documents andwere initially told that consideration of the Short Sale process wouldproceed. Upon calling SLS yesterday, my mother was informed that SLShas decided NOT to go ahead with considering the property for ShortSale because we are too close to the auction date. We currently have aCASH offer for the house and are seeking postponement of the sale datein order to be considered for a Short Sale.
I 'm trying to ge t a cash advance trough   XXXX   XXXX   and td bank refuses to send an update on my account in a timely matter they are costing me money! This bank is one of the most unhelpful bank I have ever had all they care about is making money and   they do n't care about the customer!
XXXX/XXXX/XXXX received debt collection notice from Dynamic Recovery Solutions. I responded on XXXX/XXXX/XXXX asking them to validate the debt because I have never had a creditor by the name they indicate and I have never owed a debt in the amount indicated by Dynamic. I never received any response. Then on XXXX/XXXX/XXXX they sent another collection letter. I still have not been provided the information I requested and I have advised that this is not my debt.
Today I was informed that Equifax has allowed a hack of my person information including social security number, name, address, and other critical data that can be used to steal my identity. 

I used their website to find out if I was affected, and they confirmed it.
Nationstar Mortgage was supposed to apply the HAMP incentive ( Dodd Frank ) of {$5000.00}. to the principal balance of my loan on the 6th anniversary of my loan modification on XX/XX/XXXX and they have not done so as of XXXX XXXX, XXXX. My loan was sold to them by XXXX in XXXX XXXX and I followed up with inquiries as the 6th anniversary approached, sending them my copies of the documents XX/XX/XXXX. I followed up with phone conversations and was assured this was taken care of but as of today it had not been. A manager said he will escalate the research again today. I had been told XX/XX/XXXX it was being researched and on XXXX XXXX that the incentive was in process of being applied. According to the manager none of that had been done.
Equifax was hacked due to negligent security measures, and all of my personal information was stolen. I am now facing potential identity theft and all of my personal information could me made public on the internet, leaving my identity free to be stolen at any time for the rest of my life.
I have like 4 inquiries that I do not recognize and I do not know which companies are
On XX/XX/XXXX, at approximately XXXX, this debt collector called regarding a debt to a payday lender called " Ace Cash Express ''. They also contacted my sister and have made repeated attempts to do so, leaving voicemail messages. This particular voicemail message, however, provided my sister with a link to enter an account number and my zip code. Therefore, my sister was given complete access to the confidential information, including the amount they claim they are owed, as well as the original creditor, etc.
My complaint involves repeated contact and voicemail messages with me and my family members, as well as unlawful disclosure of the debt they are attempting to collect.
XXXX HAS XXXX LOANS LIST ON MY XXXX AND EXPERIAN AND  ONLY XXXX LIST ON MY XXXX REPORT. REPORT THAT ARE DUPLICATE LOANS. THEY ARE LISTED WITH XXXX AND BENEFICIAL. THE XXXX WITH XXXX XXXX ARE OK I HAVE DISPUTE THE LOANS WITH XXXX ON XXXX XXXX AND ON XXXX THEY CONCLUDE THAT THE ACCOUNT WERE VERIFIED AS ACCURATE AND HAVE BEEN UPDATED TO REFLECT RECENT ACTIVITY BUT HAVE NOT PROVIDED NO DOCUMENTATION OR EVIDENCE. I HAVE BEEN DISPUTING THIS ISSUE SINCE XXXX XXXX AND CONTINUE TO BE DENIED. MY NEXT STEP IS TO START LIGITATIONM AGAINST ALL THREE CREDIT BUREAU.
On XXXX XXXX I attempted to make a purchase with my credit card. I had checked my credit line/available credit on line using the bank website. My account shows a credit line of {$3500.00}, Available Credit of {$2300.00} and a balance of {$1100.00}. 
The purchase was denied at the checkout - I called the bank from the store and was told the account had been closed. I asked when the account was closed and was told it has been closed since XXXX. 
I received NO notification from the bank that the account had been closed - and the information I looked up on line for my account shows " available credit ''. When I received my paper statement it also includes and " available credit '' amount. I called the bank and asked why I have available credit showing if the account is closed. I did not receive a reasonable response. I believe they continued to show available credit to entice me to continue payments - and would let me know the account was no longer usable once the card was paid off.
I had an account XX/XX/2015 with XXXX/ Cont Finco. I closed it and then settled it as paid in full for less. I ask them to remove the account after i settled it. they said they could not.
Amount {$670.00} XXXX XXXX debt ( XXXX ) is trying to have me pay the amount not owed by me. 

I returned the XXXX XXXX XXXX after lease expiry in XX/XX/XXXX to XXXX XXXX, CA and took a new lease from same dealer XXXX XXXX and got a new XXXX XXXX and the excess miles etc was settleed during this and into my monthly payments for this car. XXXX XXXX confirmed this and the XXXX is denying this and threatening me to pay this amount again. 

Please investigate as i already paid this to XXXX XXXX and was settled in XXXX XXXX.
I have been a Discover credit card holder, in good standing, since about 2010. I recently noticed that I have been getting charged a Payment Protection fee every month. For quite a while now they have been sneaking in this almost {$24.00} fee monthly. When i looked into my billing history I realized that the " protection '' fee has been charged onto my account for the past seven years or at least as far back as i am able to search into my billing history. 

My husband got in contact with Discover to dispute this " protection plan '' which I did not sign up for. He explained to them that I never signed up for it and that i wanted to be refunded for the money i have paid them. The agent told him they could only reimburse us with 6 months of charges, which totaled {$140.00}. They did reimburse us but i am not satisfied with this reimbursement. They have taken so much money from me and clearly without my consent. I am up to date with my payments and have been very responsible to pay them. I think even their reimbursement is an admission of their guilt. I appreciate the effort they made, but it does not make up for the years they have been taking my money.
I recently filed a complaint on usaa for reversing a credit they gave me from their fraud department because they refused to upload the documents to the fraud team for my proof that I was being denied a package/product I ordered. I was told that I didnt send the documents in to the proper department as the reason why the credit was reversed. Then after I filed the first complaint with the CFPB about a week ago a woman by the name of XXXX contacted me and told me my claim should have been submitted as a credit dispute and that SHE herself resubmitted it with all the documentation I uploaded, and even though Inhave supporting documentation from USPS oig Investigation team stating that I wont get the package back, MRS XXXX claims she cant guarantee that I will get my XXXX that the bank stole from my account back. They are lunching with veterans money and this has to stop now.