WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, XXXX, my daughter did a wire transfer from XXXX XXXX to XXXX XXXX  XXXX XXXX XXXX in the amount of XXXX XXXX XXXX to my checking account. The amount was debited by XXXX from her account, and a receipt of the transaction is held by XXXX ( we have a copy ) ; however, the money was never received. We both have initiated multiple attempts to resolve the problem without success on her end with XXXX, and with Wells Fargo international representatives and Bank Manager. Wells Fargo 's latest letter to XXXX states that the money was deposited. The fact that it was not have been verified several times by the manager of Wells Fargo. Apparently, there was a digit missing for the account number, which, according to the XXXX manager, should have negated the transfer in the first place. It has been 5 months of back and forth, with my daughter having lost XXXX XXXX. This is unacceptable, and needs to be resolved. Thank you.
I have had three car leases with XXXX. My current lease expired the end of XX/XX/XXXX. I decided to extend car lease for 6 months. The company reported XX/XX/XXXX payment late and now I'm not able to get another lease as the same tier as my previous lease for the one payment that was late because auto payment was disabled due to end of lease. I attempted to call Nissan Customer service on XX/XX/XXXX and was told there is nothing that can be done. The XXXX dealership also told me that no one can help me out.
My Husband XXXX XXXX took out a loan with Springleaf Financial now know as One Main Financial. This was an installment loan with using a 55 inch XXXX tv as collateral. They asked him if he owned his car/suv he told them NO I do not that is in my wife 's name. I XXXX XXXX, noticed in XXXX  on our car insurance, bill with XXXX XXXX XXXX XXXX XXXX, that Springleaf what showing on as lien holder on my XXXX XXXX XXXX.

I called Springleaf office several time and they refused to talk to me. XXXX XXXX gave them permission over the phone one occasion and then handed the phone over. I told them you need to remove yourself from my car as lien holder as the in NOT in XXXX 's name it's in mine and I have the titled. They said they had no knowledge of this.

I elevated this to corporate and NOTHING was done so finally I told XXXX to Stop paying on this loan it is NOW paid off and I am going back after them for damages as they can not lien property they never had the titled or authority to do so.

That is Fraud, I XXXX XXXX did NOT give authorization nor did I sign the title of my vehicle over to XXXX  for this installment loan.

I need to make this clear that XXXX XXXX is who the loan was for I am his wife XXXX XXXX, but I am NOT on the note of this loan. This was something my husband took out in his name only.

I called my insurance Agent XXXX XXXX and he was able to find out that this request as lien holder came in through corporate by way of Springleaf and NOT to his office, which he pointed out is not the normal process, usually he would get the phone call and information from the consumer and he would reach out to the lien holder to verify. Since this went directly to XXXX XXXX XXXX XXXX XXXX corporate he was unaware until I contacted him direct, after years of failed attempts with Springleaf Financial now know as One Main Financial.

I have attached all the proof of this.
Charging late fees with no reason : Payments made on time claiming excessive and unfounded late fees.
I have had a membership with Experian. Specifically an Experian Credit Tracker account. I have attempted to call several several times to cancel my subscription/membership. When I finally give the automated system all of the required information and follow the several prompts. The system informs me that I do not have an account and disconnects. There is no option to speak with a representative or enter my account number. 

I have also attempted to email the company and have had no response.
I filed a billing dispute with JP Morgan Chase on a Visa for a charge for a hotel room in which bed bugs were discovered. JP Morgan Chase refused to file a charge back with Visa  even though I have supporting documentation about the bed bugs and a dispute right in accordance with Visa rules and regualtions.
There is a ID fraud alert placed on my card and I cant get it off. They have placed the wrong number on it and I cant get the bank to reissue my credit card! 
I have sent numerous letters and still nothing. I tried to apply for another credit card and they say they have a fraud alert and cant get thru to the number placed on card. ( because number is wrong ). All I want is for them to take off the fraud protection or fix it with my real number ( XXXX ) The report number from Experian is XXXX for XX/XX/18 The bottom of page 8 has  the wrong number.
I closed on a HAMP modification for my mortgage in XXXX with JPMorgan Chase. Since then I have been having difficulty getting my 2nd mortgage modified under the 2mp program with XXXX. XXXX claims they never received an notification that my 1st loan was modified and that my 2nd loan is eligible. I believe Chase has to input my HAMP modification in to the servicing HAMP system. I believe the system is called the XXXX XXXX matching system. I need the 1st loan to match with the 2nd loan in the system. I tried calling Chase but most telephone representatives do n't understand what i 'm talking about. I desperately need this modification.
On behalf of the XXXX XXXX+ customers who had their personal information exposed as a result of vulnerabilities within Scottrade 's security systems, I kindly would like to inquire : Why did Scottrade ignore the following warnings about inadequate security systems? 

The various police/tracking numbers include : IC3 Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX 's failure to appropriately investigate the above referenced complaints and law enforcement reports lead to the exposure of personal information of XXXX of customers. 

I am requesting that the CFPB publish this complaint on consumerfinance.gov so that others can lean from my experience. I respectfully request, that XXXX also provide a public response.
Received a XXXX card from Best Buy I did n't request. They both had different account numbers. When I called to inquire I found that they also activated it without my permission. And worse it had a balance. XXXX showed XXXX and the other XXXX. I demanded that they Close XXXX accounts immediately. For my safety. I do n't want this to go against my credit score because of this.
I was contacted over 9 times after I spoke to a representative at this " Global '' company. The rep, XXXX, told my daughter he was a Private Investigator and had papers that I would be served at my job. He said to call back XXXX, and left a claim number. I called the number moments after she gave me the message. I spoke to a very rude rep, requested to have proof of debt sent, and she refused. I requested a supervisor and she refused to transfer me to a supervisor. After she hung up on me, I received 4 phone calls at my place of employment from XXXX and the same rep that called my daughter, XXXX, was calling stating he wanted to verify employment. I told him he needed to call the work number for everyone to verify employment, as we do not verify employment directly through my employer. I told him I was ending the call and hung up. He called my cellular phone an additional 4 times after that, and finally calling my job one final time threatening to come to my employer and serve me with legal papers.
Hi.My name is XXXX and i had filled a complaint against XXXX # XXXX on XX/XX/XXXX # XXXX.The complaint was about them lowering my monthly payments and lower my monthly interest as well. I was paying XXXX a month at XXXX that was all interest payed many years and seem like the was not budging. Then XXXX change the payments a month from XXXX a month to XXXX. When I made a complaint to CFPB they seem to lower the monthly payments to XXXX as of XX/XX/XXXX XXXX has transfer notice to my first mortgage company on XX/XX/XXXX to informed me that i will making payment with SPS Select Portfolio Servicing. This is my new account number my XXXX SPS account # XXXX this is my XXXX mortgage SPS account # XXXX im ok with the XXXX mortgage. i just want them to lower my monthly payments from XXXX/SPS now that i will be making payments to SpS. There address is XXXX, UT XXXX PHONE # XXXX thank you. XXXX
On XX/XX/2018 at XXXX I tried to pay my mortgage and was unable to I called and also tried the online payment center the message as I could not make payment the company does not allow consumer to avoid foreclosure process. On Saturday I called and spoke w a rep who told me I have to wait until the process start to make the required payment after the lawyer fees are added I asked to speak with an supervisor no one has called make back yet
After checking my Credit report i reached out to RentDebt and ask for an invoice to verify debt and balances owed I was provided the information over the phone I stated the charges were inaccurate the rep told me the invoice will be emailed to me in 24 hours. I did not received the email so I called back I then told in order to receive the documents by email I will have to verbally say on a recorded line I am not disputing the collection, which I refused to do! I feel this is unfair Practice.
I received a letter from an attorney advising I currently owe {$310000.00} to XXXX XXXX XXXX. The amount of the ledger changes with every ledger we receive with threats about accruing interest at the highest rate possible. I have disputed this amount and even provided proof that I do not owe this. I provided the ledger from XXXX XXXX XXXX that show all of my payments made timely and have paid all of my fees and assessments. The XXXX association has told me I owe them no money and they have no idea where these charges are coming from or why I am being charged by this collection agency. I continue to be harassed and have received numerous threatening letters regarding this debt that is not mine. I have XXXX pages of documents including certified letters provided to the collection agency and attorney documenting how this debt is not accurate and I do NOT owe this money. I have sent many certified letters and have not received one response to any of my letters to the collection agency as well as the attorney working on behalf of the collection agency. 
I am XXXX years old and have always paid my feed, dues and assessments. These threatening letters have brought undue stress upon that I can not afford to go through health wise. I have had to go to visit my doctor because these letters have made me ill. I worry that they will continue to harass me and make my health worse.
I have set up my account with Honda Financial Services for autopay for several months now. Somehow autopay discontinued the day of an XXXX/XXXX/2016 payment date and I did not get any notifications or letters that payment was pending or that autopay was canceled. I was then charged a {$20.00} late fee and I received no notificarions of non-payment. Then they finally mailed a letter to me dated XXXX/XXXX/2016 that my account is not in good standing. They reported me negatively on my credit score on XXXX/XXXX/2016 - it dropped by XXXX. I was given no real chance to know or resolve the issue. I received the letter they sent on XXXX/XXXX/2016 on XXXX/XXXX/2016 due to the holiday. I did not even know my account was in bad standing until I checked my credit score on XXXX/XXXX/2016. I immediately logged in and paid the full amount due. I called Honda Financial Services on XXXX/XXXX/2016 to ask what happened to my autopay and to let them know I was n't notified of anything. The representative told me that by law they do not have to notify me of anything and are not obligated to let me know. This is ridiculous and very upsetting that I trusted their autopay system and for almost a year had no issues with it and for something to like this to happen, for which I did not do, and for them to not give me any courtesy emails or mail or phone calls until I was knocked XXXX down on my XXXX score. The representative also told me it is not their problem it is mine. I feel very cheated and believe this is a great injustice as it hurts me a lot, for something I did not do wrong and for trusting their system.
I have a loan with XXXX XXXX/NAVI. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX/NAVI with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX.
I filed with CFPB on this already Case Number XXXX. 

I received an email today stating the case was closed because the Lender responded. The response was they have taken care of this matter. 
They have done NOTHING! I have still not been reimbursed. I have been lied to over and over that the check has been mailed. 
My insurance company still has not received any money from the Lender. 
This is ridiculous. I have spoken with every supervisor and customer service person there and each one of them tells me a different story. They have blamed the previous lender which is crazy as the previous lender sold the loan on XX/XX/XXXX and the Insurance payment was not due until XX/XX/XXXX. 
They told me they would send me a check. They did not. They told me the check would be sent to the Insurance company and was already cut..it was not and they did not send anything.
I purchased a defective product from a company and Bank of America, my credit card company, requested unduly burdensome and impossible-to-obtain proof for me to prove my claim. They failed to protect me from a merchant who is deliberately not supporting their defective product, despite my never being late on a single payment in my 12 or so years as a cardholder.
Agreed upon amount to settle debt was paid. Did not report to credit card company that this was a full settlement. Credit card company still reports I have a balance.
Someone opened different accounts under my name I have filled a report with the Federal Trade Commisson Identity Theft Dept. Equifax has not taken off the accounts. XXXX has deleted everything that had to do with the identity theft. I also told them to remove the address XXXX XXXX XXXX XXXX XXXX, Tx XXXX that shows on my report but that has NEVER been my address.
Dear CFPB, First of all I'm incredibly grateful for your existence. Consumers do need protection from predatory lending corporations and corrupt banking institution 's with inflated interest rates that are impossible to pay. 

Realistically the average college graduate does not earn the amount that Navient, XXXX XXXX and other fraudulent lenders are billing them. Even upon negotiating the monthly amount, the interest rate incurs a debt that is greater than the amount lent to the individual. I'm sure you are familiar with these institutions and their predatory lending practices. 

After discovering this for myself I applied for various forbearance, deferment, and debt forgiveness programs. Unsuccessfully, for the past 10 months I have been recieving daily computer automated calls from Navient and XXXX XXXX XXXX or more times and each time they leave a message leaving a generic name and call center number. 

Is there any way I can sue these companies for calling me so incessentaly for the emotional strain it's causing me? I'm aware that there is a automation making the calls but there's a person on the other end. 

Finally, I'd like inquire for the investigation of the demographic whom these loans are targeting, in actuarial terms the lending institutions have access to the database of statistics predicting the defaulting of the debtors on their loans. Firstly the inability of the demographic to attend colleges or universities without the loans, and they repayment structure is built on the fact that the majority of graduates or non graduates can not pay the full balance immediately or within a time frame that the loan does not accrue an inflated interest rate that values the loan higher than the actual tuition costs. 

Thank you for your time.
Bank of America ( " BOA '' ) serviced our mortgage until XX/XX/2013. Our mortgage was sold to XXXX that month, after BOA puller their business out of most of Maine. Prior to the transfer BOA agreed to modify our loan to allow us to bring our payments up to date. We recently attempted to obtain a home equity loan with XXXX however BOA continues to show our late payments on our credit reports. We have written to the three major credit reporting agencies and requested that they delete the negative item, but they will not do so without BOA 's action. We have asked BOA to remove the negative item from our credit reports, but the company refused to do so. Given the fact that BOA has not serviced our loan in nearly five years, we feel that continuing to report a negative item to the credit reporting agencies only serves as an open ended punishment.
Goldencreditscore.com and realtystore.com are both fraud companies. Seem to be playing with customer 's money!!! I was looking for rent to own properties and got a call from this website. They said if i pay {$1.00} they will send me details of few properties as per the details i gave. After paying this amount they vanish and start charging your card {$49.00} and {$49.00} from XXXX different website accounts. As soon as you notice and complain they dont try to justify but just cancel the service. THEY SEEM TO BE RUNNING BUSINESS BASED ON THE FACT THAT LOT OF PEOPLE DONT NOTICE AND ON THE FACT THAT THEY ALWAYS HAVE LOT OF MONEY OF CUSTOMERS IN FLOAT WHICH THEY CAN USE!!! PLEASE SHUT DOWN SUCH FRAUD COMPANIES & gt ; Golden Scores , LLC XXXX TN XXXX
My previous gym keeps billing me on Discover Credit card. I didn`t use that gym for the last year. Yet they keep billing me the membership fees. I canceled it and I asked Discover card to stop paying them. They kept transferring money to them. I kept asking for dispute but still, it is not working. 
The amount is $ XXXX monthly. They started to bill me XX/XX/XXXX until XX/XX/XXXX. 
I stopped going to that gym in XX/XX/XXXX.
XXXX for Indiana has no live person to talk to, even after the web site says it has 24/7 service. I have spent over two hours trying to call them, using the number on the card and by using the internet. I have also call my child support division and they tell me they have no way of helping with this issue. I need to report fraud on my XXXX and there is no way to talk to anyone.
On XX/XX/2016, I was involved in a car accident, which totaled out the vehicle. That same week, I contacted West-lake Financial, and submitted a claim to them to let them know what happened. My Insurance was handling the claim to pay out the value of the vehicle, and because I was paying for Gap Coverage, they would handle the rest. West-Lake financial picked up the Vehicle before my Insurance Company could send them the payment for the value of the car. This was also labeled as an Repo on my credit report, which in fact it was not.

I have been on the phone with West lake several times, with no cooperation what so ever. My insurance company claimed that, because they picked up the car, they were supposed to contact them for payment of the value of the vehicle, and they did not.This is severely impacting my credit report, and i just need for this to be resolved.
Purchased tickets through a private sale. Tickets were transferred to me via XXXX, I paid for them through XXXX. Once tickets were paid for the seller voided the tickets and disappeared. 
Seller info is XXXX XXXX email : XXXX phone number XXXX Transactions through wells fargo. I called them within two hours of these transactions, I had paid for one ticket at a time. They claim that it is not secure and you shouldn't use it unless you are family or friends with the person you are sending money to, even though on their very own website they claim it is secure. 

I feel wells fargo is being fradulent in that they refuse to refund me the funds back. 

I have all of the emails from XXXX and wells fargo regarding the transactions and can forward them to the necessary individuals.
We have filed this complaint over and over and once again our request for proof of the debt and requested information i.e. communications from them to us has not been provided. We requested a copy of any correspondence including audio recordings given to us so we can forward to our attorney and to the Attorney General. We will vigorously continue to fight this type of predatory lending where an agreed upon amount is established in court between the consumer and the attorney and then after the consumer has paid off the amount they are told oh no that was not the correct amount. We have the documentation and have sent it to the Attorney General 's office. This is predatory lending at the highest.Attached is a new judgement brought against us without notification from them that they were filing and the attorney who has contacted us. This is the only way we have been notified of any court proceedings after filing. And they still have not provided the documentation.
Wells Fargo ( Platinum Visa ) has recently instituted fees for connected to accounts with XXXX, and I presume other financial management tools. This is the first time I have seen this, and I believe that this is an intentional barrier to customers ' ability to access their own financial data in a relevant way for effective management of their finances. I believe that this is done in hopes that it will lead to errors on the customers ' side so that Wells Fargo can rack up higher interest rates and over limit fees.
I have written you twice. Chase finds ways out of re fi because I will be paying more in XXXX. the latest trick is " send us military XXXX letters after XX/XX/2006. I mean really. I am almost XXXX years old, was XXXX during the XXXX war, had XXXX, and have always paid on time. I got into this loan with XXXX and I did not know they sold me a non XXXX or XXXX loan. Now I am paying. I mean really, XXXX at XXXX years old? The Army never does that.
The collection agency is reporting a open judgement on a credit card ( XXXX XXXX ) The account in question has been settled in a chapterXXXX that was discharged in XXXX 2014. I have since obtained XXXX XXXX cards and know for a fact that if it was n't paid I would n't have XXXX cards now. I think information should be updated like it is on my other credit report but silly me. In the times of all this computing power it should be instantaneous but they make hardships on people who have it bad enough reporting old or outdated information.