WillisBack/dataset-financial-user-claim huggingface dataset:
I accidentally transferred money to the wrong person through Wells Fargo Surepay. I entered the wrong phone number. I made a claim with Wells Fargo and their policy is 7-10 business days to investigate the claims. They contacted the other financial institution and there were n't enough funds in the account to return the funds. They communicated to me that there was nothing else they could do. I have three concerns about this process. First, there should be a way to match up the phone number and name of the recipient for money transfers. They currently only match up the phone number. Second, Wells Fargo took too long to investigate the claim. The individual withdrew the unfds by the time they looked into it. Lastly, Wells Fargo should continue to request the funds until there is enough to return the full amount.
XXXX has continuously denied my credit bureaus disputes stating that I still owe this amount of money and I have submitted receipts over and over that this has been paid. I have also talked to numerous representatives from the agency and they all give me the run around. I have submitted receipts to them directly as well.
A man named XXXX XXXX called my new husband trying to collect a debt for American Express. He did not identify the agency he worked for. I already filed a complaint against the agency for illegal debt collection practices. My husband told him that American Express agreed to let me pay them directly when I get my financial settlement from my ex husband. He pursued the matter. My husband told him to call American Express. He said he would be calling me back until the debt was collected. I am tired of these people harrassing me and trying to bully me with threats of turning the matter over to a lawyer. A lawyer is the reason I can not pay the bill right now, my ex husband. These people need to be put out of business, or fined for every consumer complaint. The company response to my prior complaint was that they did nothing wrong. What else would an internatl audit by the agency itself determine? Better laws need to be made for debt collection practices and they need to be enforced. They assume they are dealing with ignorant people, but not this time. I will pursue this matter until the company is stopped.
I am trying to transfer membership rewards points to my own frequent flyer account ( XXXX XXXX ) got message " This action will not be completed because of an attempt to sell or otherwise transfer Membership Reward points to someone else which is not permitted under the terms and conditions of the program '' I am not selling these points and they are going to own frequent flyer account. My family was saving these point for once a life trip and seats might not be available if transfer is held by 4-6 weeks. We called customer service and they said 4-6 weeks without even giving time when those 4-6 weeks starts
I coordinated a sale of a set of tires off a online forum with an individual who called himself XXXX XXXX. We agreed upon a price ( {$550.00} ) for the sale of the tires. He requested I send the money through USAA app via XXXX. I was ok with this since I trust USAA to back me when something goes wrong. I have never had an issue with buying in this manner before off of a forum member. So I sent him the money ( {$550.00} ) through the app so he could then send me the goods. However I once I sent the money he stopped responding to calls, text and email messages and completely disappeared. A couple days later the forum moderator sent me a forum wide message to all people who had been contact with him saying he was using the forum as a means to scam people, me being one of them. I used this information to make a claim to USAA, however they denied my claim and I am now out {$550.00} when I thought I would have protection from my bank for such an occurrence. Any help would be greatly appreciated.
I rec 'd reports from XXXX & XXXX however when I was transferred toExperian I had XXXX alternatives to get report ( 1 ) join yearly club for {$1.00} to getget a free credit report ( 2 ) monthly for a fee & ( 3 ) free credit report plus credit score for {$19.00} the other agencies were {$9.00} for score. It is very DECEPTIVE. I could not find out how to get our FREE credit report. I havecalled all the numbers given to me which are recordings with no personal help. I also called XXXX to have copy mailed and they said they could not maila credit report at this time. What Experian is pushing is a membership inCredit Tracker for {$21.00} a month or pay {$19.00} for report & score. If there is aarea on that page to apply for the free credit report it is well hidden.
XX/XX/XXXX, I opened a Citibank CitiGold checking account with a bonus offer attached. The bonus offered XXXX XXXX XXXX AAdvantage miles for scheduling two bill payments in consecutive months and spending {$1000.00} with my debit card. 

After I had met the requirements, I confirmed with Citibank via Secure Message and received confirmation on XXXX XXXX, XXXX that I had completed them. 

" After further review of your account, I can confirm you have completed the requirements for the XXXX XXXX miles promotion offer. The promotion states that you will receive the points within 90 days from the end of the statement cycle in which you completed the requirements. You completed the requirements XX/XX/XXXX and the 90 days will begin on XXXX/XXXX/XXXX. You can receive the miles no later than XXXX XXXX. If you do not receive the points, please contact Citibank and we will submit an investigation to the missing miles on your behalf. '' In XX/XX/XXXX, I double checked when I would receive the bonus by, and XXXX replied that I would receive the miles no later than XXXX XXXX, XXXX. 
" Please make a note of your promotion code : XXXX. I confirmed you completed the {$1000.00} Debit Card Spending and bill payment requirements in your XX/XX/XXXX cycle period to earn XXXX XXXX Miles. According to the promotion terms the bonus points will post 90 days from the end of the statement period when the requirements were met. Please allow time for the points to post by XXXX/XXXX/XXXX. '' On XXXX XXXX, XXXX, I did not receive the bonus points as promised. 

I sent further secure messages to inquire about why the points did not post, and Citibank claimed they had to investigate whether or not I was eligible for the account. 

On XXXX XXXX, I received a signed letter from XXXX XXXX from Citibank, stating that I was indeed eligible for the bonus, and that I should receive them within XXXX days. Today is XXXX XXXX, XXXX days past the deadline for receiving my original bonus of XXXX AAdvantage miles, and past the additional XXXX days given from the investigation. 

Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now delaying to honor their end of the agreement.
I have experienced a variety of issues with my loan application with Wells Fargo : 1. My application was mishandled with full of inefficiency and miscommunication and took unnecessarily long ( nearly 2 months ) to reach a decision. So much time and effort was wasted during the process and I had to switch to another lender at the end. The closing was delayed by at least two months. 
2. My loan was rejected with a wrongful reason. The rejection letter simply stated " insufficient funds to close the loan '' as the reason, which is against the fact and the documents I submitted. This also harmed my reputation and credibility as I had to present the rejection letter to the seller for extension of closing. 
3. I requested detailed information based on which my loan was rejected and refund for payments I made to Wells Fargo. They keep telling me that they need more time to investigate without any further explanation. It 's been more than 6 weeks now and they have n't provided any information I requested. This, as I understand, is a violation against my right under Fair Credit Reporting Act.
Sent an electronic message to Ally customer service via their website asking " I can transfer funds with next day delivery using your website from my XXXX account, but if I schedule recurring transfers there is a several-day delay. Why is this the case? Can you fix it? '' I received what I feel was a complete non-answer, what appeared to be boilerplate text describing their manual funds transfer policy.
I took out a refinance loan from   XXXX   XXXX   XXXX   (   XXXX   ) to pay off   XXXX   of  XXXX  of my federal direct student loans serviced by Navient. The loan was funded on  XX/XX/XXXX /17, and Navient indicates the payment was processed on  XX/XX/XXXX /17. The payment from  XXXX  to Navient was made via wire transfer, with explicit instructions on which loans the payments were intended for. Navient applied the payment across all loans on XX/XX/XXXX /17. I called  XXXX  to confirm the payment was sent to Navient with those instructions on  XX/XX/XXXX /17, and they confirmed this. I called Navient to rectify this on  XX/XX/XXXX /17, and they claimed they would now apply the payment to the correct loans.
After two years of being in Court and asking this bank to give me a modification they are simply not budging. I live in the property with my XXXX young kids. I work two jobs to provide my kids. The bank wants me to pay {$5400.00} every month which can go on forever. How can a bank ask you to pay that much knowing I have to raise my kids on my own and survive and pay for food and utilities. I am not getting child support from my ex-husband, He caused this mess but I have been trying to fix this. 

I do n't think XXXX XXXX XXXX is showing good faith knowing I paid them from XX/XX/XXXX to XX/XX/XXXX {$5300.00} each month for a total of {$21000.00} my savings. So what am I suppose to do now. I have depleted my savings. I can pay a mortgage payment of XXXX but not XXXX. 

I am asking for some help to reason with this bank. You reached out to them last and asked them t resolve it but there resolution is giving me the same repayment plan of {$5300.00}. I am having a hard time understanding why nothing is being done to stop this bank from asking a single mom to pay so much to foreclose on her home in a few months. 

I 've done my part and proven to them I can do this. 

Thank you.
We purchased our home in XXXX XXXX with XXXX XXXX XXXX financing, which, of course, required PMI. Since then, the home has gone up considerably in market value, which, when combined with XXXX plus years of principle reduction, brings us well below the requisite XXXX threshold of XXXX % XXXX to drop the PMI. Per XXXX regs, a new appraisal was required. The servicer, XXXX, through its appraisal management XXXX, sent out the same XXXX who had done the original purchase appraisal. The ensuing appraisal report was chock full of errors, omissions and misstatements of material facts, some of which are a matter of public record, falsified his XXXX certifications, used non-comparable sales data while failing to note significant comparable sales data relative to our house. It is compelling and illustrative of the depth of this XXXX 's XXXX, lack of professionalism and failure to exercise ordinary care. Each appraisal done on our home by this same XXXX contains different and conflicting information. As a result, based on garbage in/garbage out XXXX, the ensuing report grossly understated the value of our home and XXXX denied dropping the PMI. We contacted XXXX to dispute the appraisal and wrote a letter of dispute, supported by additional documentation pointing out the erroneous information and omissions on the appraisal report, the fact that the XXXX has a vested interest ( he is also a XXXX XXXX XXXX XXXX ) in influencing values as well as additional timely comparable sales data ignored by the XXXX which support a market value significantly greater than the falsely arrived at value issued by the XXXX. We, again, requested dropping the PMI. XXXX chose to blatantly disregard the factual and supportive sales data we submitted and again declined our request to drop PMI. Factual errors, omissions and wrongful assumptions and data on the original appraisal report were NOT corrected. They also declined our very specific request to provide detail of who, precisely, was to have performed the so-called " review. '' IT IS PATENTLY WRONG THAT WE, AS CONSUMERS, SHOULD BE REQUIRED TO ACCEPT A DECISION BY THIS LENDER/SERVICER BASED ON A PROVEN ERRONEOUS REPORT. We then sent a certified letter to head of the operations group at XXXX demanding that fresh eyes, higher up the ladder, review this case and approve our request to drop the PMI. Copy of that letter is attached to this complaint. We have not received any response from XXXX since. 

Thank you. 

XXXX and XXXX XXXX
We need your assistance. Portfolio Recovery Associates , LLC continues to call my home for a debt we do not owe and know nothing about. They 've been harassing us since the late XX/XX/XXXX while living in XXXX. We 've since moved to XXXX ( XXXX yrs ago ) and they somehow found our new home # and started ringing it off the hook shortly after we moved here. We set our home phone to 'do not 'disturb ' and they have now found a way to contact us on our cell phone, which is against the law. Way back in the XX/XX/XXXX, we told them we do n't owe this money and they continue to harass us. So we 've been ignoring their calls for the past XXXX+ years. We sent letters telling them we do n't know what this debt is and to produce a copy of the original debt and we 've received nothing in the mail but their letters asking us to pay the debt. The latest letter I received was a couple of days ago. And interestingly enough, a portion of the letter says, " ... Because of the age of the debt, we will not sue you for it and we will not report it to any credit reporting agency. '' That tells me they must be trying to collect on a so called debt that is outside of the Statute of Limitations for California. The original creditor listed in the letter is XXXX XXXX XXXX sold by XXXX XXXX XXXX XXXX to Portfolio Recovery Associates , LLC. My wife and I had a couple of credit cards with XXXX XXXX XXXX that we obtained in XXXX in which the combined balance far supersedes the {$360.00} they are asking for. Furthermore, the credit cards were PAID OFF in XX/XX/XXXX and Portfolio has been calling my house since the late XX/XX/XXXX. That said, we owe XXXX XXXX XXXX nothing, this looks like Portfolio is trying to collect on a very old debt we know nothing about and I want these people to leave us alone! Should you wish to discuss this matter, please contact me through the email provided in this complaint. Any assistance you can provide in this matter is greatly appreciated. Thank you for your time!
XXXX XXXX can not produce my loan information they refer me to XXXX  who can not produce my loan information who refers me to another company who also can not produce loan information. They continue to report to my credit from multiple companies none of which can find or produce any information on my loans.
XX/XX/2019 i sent my granddaughter {$230.00} through paypal. she is a XXXX national. she is a minor child. paypal is not supposed to allow minor children to have an account. she has lost the information on the account and has no way to prove it is her. paypal has refused to return the funds to me. they remain locked up in an account no one can access.
My private student loan ( through XXXX XXXX ) defaulted in XXXX 2014. I had lost my job in XXXX 2014, and I explained this to them. The loan was eventually bought by TransWorld Systems. I have a payment arrangement with TransWorld - {$100.00} a month is automatically deducted from my checking account. This arrangement has been ongoing for over a year. For the past month, I have received repeated calls from TransWorld - a XXXX XXXX. Sometimes he leaves a messages ; sometimes he breathes into the phone. I want this communication stopped. XXXX XXXX previously suggested I borrow the money to satisfy the debt to TransWorld. Numbers he has used are : XXXX ; XXXX ; XXXX ; XXXX.
I am a university graduate with federal student loans that are being managed by Navient. Since graduating five years ago I have consolidated these loans and have made all my payments to keep those loans in good standing on an income-based repayment plan. This spring I received the annual reminder from Navient that I needed to submit copies of my federal income tax return for XX/XX/XXXX and an income-driven repayment plan request for my annual recertification. The due date was approaching, but I was in the middle of a move and a job transfer, so I called Navient to make sure they were going to receive the materials on time if I mailed them. I spoke to a representative who looked at my account information and told me that there was actually a window of a couple of months for me to get the materials to them, so I had plenty of time and not to worry. Though the auto-generated letters had due dates on them, the forms I was filling out did not, so I took the agent at her word and mailed the documents a few weeks later. 

OnXX/XX/XXXX I went online to schedule my loan payment for the month, and my minimum payment had more than tripled to over {$1500.00}. In addition, the interest on my loans had been capitalized which means that {$13000.00} of accumulated interest has now been added to the principle loan amount. I called Navient on XX/XX/XXXX and the first representative told me they had the paperwork for my annual recertification and it would take them a few weeks to process it, after which the minimum payment would go down ( which it now has and I have scheduled my payment on time ), but there was nothing they could do about the new principal balance. I then spoke with a manager ( XXXX, XXXX XXXX : XXXX ) who kept insisting that federal regulations would not let them change the principal, what was done was done, and that it had been done because I had let the status of the repayment plan lapse. I asked to speak to a supervisor and was told that their answer would be the same, but that they would call me back within 2448 hours. Over 48 hours later I have received no communication from Navient. 

The misinformation I was fed has increased the balance of my loans by roughly 10 %, which will increase the interest on my loans for the next x number of years that Im repaying them. After contacting Navient in good faith in order to keep my loan status in good standing, and then being misled by Navient, this seems an extremely unfair burden for me to shoulder.
Equifax is reporting collection account XXXX XXXX XXXX, XXXX for amount of {$670.00}. I have disputed this collection with Equifax several times as this collection does not belong to me. I have also sent XXXX XXXX XXXX, XXXX a debt validation and they have not responded.
I found out that the home 's insurance premium had not been paid at the end of XXXX 2015 and it was coming due XXXX XXXX. My homeowners insurance agent called me and told me that the premium had NOT been paid and they were going to have to cancel coverage on the home. I IMMEDIATELY called Nationstar and they confirmed that there are escrow payments set aside to pay the homeowners insurance Nationstar promised to send payment right away and assured me that it was an oversight. I assumed that this was taken care of as Nationstar had assured me of. 
My agent called me in XXXX, 2015 and said I was NOT going to have any coverage on my home if it is n't paid soon. What to do? I again called Nationstar who promised that payment was on the way. What kind of lender let 's an insurance premium lapse on a home they 're holding a mortgage on? I called Nationstar again. In fact my agent and I had called a dozen over several weeks. They always assured me payment was coming, like they are playing a game or something. So, XXXX XXXX came and went and my insurance company, XXXX, had dropped my homeowners policy. XXXX had never received the insurance premium payment. So, I am currently without homeowners insurance on a loan that Nationstar is holding the loan for.
Back in XX/XX/XXXX, I tried opening up a checking account with another back and noticed that XXXX XXXX had information that I owed JP Morgan Chase and undisclosed amount of money. I had tried on several occasions to explain that the signature on the checks deposited to my last account did not belong to me, as well as they should have photos at the ATM to show who deposited and withdrew the money from the ATM at the time of the deposits.I explained that my debit card was misplaced or stolen, but still no favorable results, just copies of deposited checks with a bogus signature. 

As of XX/XX/XXXX, JP Morgan Chase or XXXX XXXX will not removed the information, allowing me to open accounts with other banks. 

Regards, XXXX XXXX XXXX
Huntington Banks has incorrect information that they use to verify my identity. They will not fix the issue and deny me access to my account. They have my address, SS number, DOB, email and many other verification information but that is n't good enough for them. I have had an account with them for XXXX years yet they want to use information that was n't collected when I opened my account, such as my cell phone number. I want them to fix the issue without me spending hours of my time or missing work. It is their error and their poor system design and not my fault. This delay could cause me to make a mistake in payments and therefore profit Huntington.
In XX/XX/XXXX I received a late notice from Chase XXXX, I called them because I thought I had a XXXX balance on it and havent ' used the card in months. I found out that they charged me a {$85.00} annual fee and this was what the balance was. So I call them to cancel the card because I never paid a fee when I got the card and did n't want a fee related card. They said they would remove the annual fee and I said I wanted them to reverse the late mark on my credit report since I 've never had this before. They said they couldnt ' do that. I asked for the card to be cancelled and to send me a final statment with my point balance. I got the statment 31 days later and I opened it the next day and saw that I had XXXX points or About {$210.00} worth. I called them to issue a check and they said they could n't do that because it was n't redeemed within 30 days and I called on day 32. I told them this was outright stealing and any unused points should automatically be issued upon closing the account. They said they would get back with me and so far I 've heard nothing. I texted them on their site and still no response. Horrible customer service to say the least.
I have XXXX complaints : faulty billing practices and abusive practices experienced by employees of National Credit Systems. My account was forwarded to NCS in XXXX XXXX I assume ) after moving from XXXX at XXXX XXXX and having a balance due of {$210.00}. I did not receive the bill at my new address until well after the deadline to pay before being forwarded to a collection agency. 

I received the NCS 's contact information from XXXX at XXXX and called NCS XXXX to attempt to resolve. I have had XXXX interactions with NCS all have been a disaster. Represenatives are extremely rude, talking over me, and hostile - the manager hung up on me ( his name was XXXX XXXX XXXX although I was simply trying to report my interactions with XXXX earlier representatives and provide proof of payment. 

The second complaint involves their billing practices. I authorized an electronic check on XXXX/XXXX/2015, the funds were deducted by NCS on XXXX/XXXX/2015 yet I have not been given credit for the payment, I continue to receive collection calls, and have reengaged XXXX at XXXX XXXX, because I can get nowhere with these people. 

Last, they leave detailed threatening messages on my cell phone and voicemail such as " this is an attempt to collect a debt ... we may engage law enforcement ... ''. This is inappropriate and I doubt legal. 

The point of this complaint is to get assistance with getting credit for a payment made and to report their abuse practices.