WillisBack/dataset-financial-user-claim huggingface dataset:
According to the  Overdraft Protection Law as of   XXXX   XXXX    , 2010 the def ault setting for a checking account must be a rejection of transactions by the bank if the checking account lacks sufficient funds. Bank of America has not adopted these rules, and has consistently charged me overdraft fees over the past couple of years. The bank has been charging me {$35.00} for each time and not rejecting the merchants transaction.
tion or Company : Wells FargoStreet : City : XXXXState : NCZip : Phone : Type of Account ( s ) : ( If you are unsure of the type of account ( s ), please contactyour financial institution for assistance. ) Deposit Account ( Checking, Savings ) _X_ Credit Card ___Loan Product ( Consumer, Mortgage, HomeEquity ) ___Asset Management ( TrustAccounts ) ___Consumer Leasing ___NonDeposit Account ( Investments ) ___Insurance ___ Other XXXX Print Complaint FormXXXX XXXX XXXXXXXXHave you tried to resolve your complaint with your financial institution orYESIf Yes, when? 
XXXX/XXXX/2015How? 
Phone, OtherHas the financial institution responded to your complaint? 
NOIf Yes, when? How? 
Contact Name : XXXX : call center XXXXCOMPLAINT INFORMATIONDescribe events in the order they ocurred, including any names, phone numbers, and a full description of the problem with the amount ( s ) and date ( s ) of anytransaction ( s ). Be as brief and complete as possible to make the explanation clear. 
Do not include personal or confidential information such as your socialsecurity, credit card, or bank accounts numbers. 
They have, for the 3rd month in a row, stolen {$14.00} from my business checkingaccount even though it is linked to a {$19000.00} credit line which waives the $ XXXXfee. Called their phone center 45 minutes got an XXXX who lied aboutwhere she was, refused to transfer me to a supervisor and said they wouldcall back still waiting for XXXX others to call back from Tuesday andWednesday. They claim they fixed the issue fully knowing that this is untrue. 
They think that I wo n't notice this charge and/or wo n't waste my time tryingto resolve. They are doing this to every small business and you need toinvestigate this fraudulent practice For me, I want a refund andcompensation for my time as well as seeking that you fine them for fraud!!! 
They are XXXX with me and charging me {$14.00} when my line of credit isover {$10000.00}. They have XXXX with me for the past 3 times and have LIEDsaying this has been corrected. MAKE THEM FIX THE ISSUE AND STOPATTEMPTING TO STEAL FROM ME. HOW DARE THEY BLATANTLYATTEMPT TO STEAL MONEY FROM ME AND, WHILE YOU ARE SUPPORTEDBY THEIR LOBBY, I EXPECT YOU TO SOMETHING ABOUT THESECROOKS!!! 
Please be advised that the issues described in this complaint will be shared with
On XXXX 2016 during a visit to Wells Fargo Bank XXXX XXXX XXXX approach us ( Me and My Wife ) and provided us with verbal information regarding the XXXX account features including higher interest rate on savings, free check books and free safe box as well, we did sign for it few days after we received new bank card in mail, on XXXX/XXXX/2016 my wife went to the bank to put some valuables in her safe box where they told her that she does not have the XXXX account so she 'll have to pay {$100.00} for it, on XXXX/XXXX/2016 we went back to the bank to get more informations about the changes that took effect on our account without our knowledge or consent, XXXX XXXX the store manager admitted that some changes has taken effect on our account and the only answer we get from the manager was ( I do n't know ) and when my answer was " when it comes to financial issues, I Do n't Know is not a valid answer specially when comes from a manager '' XXXX XXXX started getting really upset raising her voice to unpleasant tone telling me it 's a business place and I should n't say that or behave that way, then she turned her back to me, Despite the fact that I did not get any answer about who and when and how my accounts has been changed without our consent, I felt humiliated with that kind of treatment that I got from Wells Fargo store manager so I had to excuse myself going back home with an unsolved problem and a disappointment from the way I was treated which is unacceptable, Taxpayers spent XXXX to save the banks during the bailouts of the Great Recession. Would n't it be nice if they followed the laws of the land?
On XX/XX/XXXX and XX/XX/XXXX I called Experian because for a year now I have not been able to get my credit report or score online. I was told several times that I could not get my score or report because my identity could not be verified. I was not able to get it through XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, or any other scoring and reporting company. Each time I have applied for credit with a company that uses Experian to pull reports, I have been denied due to insufficient credit history. I keep getting the same issue and response about not being able to have my identity verified. Yet when the XXXX  breach occured, I mailed a letter with my verification documents ( drivers license and utility bill ) and received a report via mail with no problem. I would like this issue resolved ASAP as Experian keeps telling me they don't know what the problem is after I pass all of their identity questions on the phone. I mailed in verification documents again with a letter stating the issue and that I am verifying my identity. The issue has not been resolved. I applied for a credit card with the XXXX XXXX XXXX XXXX in XX/XX/XXXX and with XXXX in XX/XX/XXXX and today ( XX/XX/XXXX ). The response was denied from all creditors because of insufficient credit history with experian. I have had credit since XXXX when I turned XXXX XXXX XXXX. I have XXXX  years worth of credit history on my report with all XXXX bureaus.
I drafted a debt validation letter to Pinnacle Services and they failed to respond to my request for validation. I know they received the letter because I certified it.
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXXXXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the months of ( XX/XX/2017 through XX/XX/2017 ) .I 'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.
I have been making monthly payments towards my student loans about 3 years ago. My situation changed a little over a year ago. I contacted Nelnet to discuss my options. I decided to go with the repayment earn as you go program. I was told there is a {$690.00} application fee but if I join now, My application fee would be {$590.00}. However, my application would not or could not be processed until my fee was paid. I was also told this fee could be made in monthly installments. So, since XXXX, I have made XXXX payments of {$190.00}. I submitted my application soon after I hung up the phone initially in XXXX. XXXX payments later I received a letter from Navient stating my application was being processed. I called them to discuss that letter, but did n't get through. I called Nelnet to see if my application was being processed. They said no, that they never even received it. This was in XXXX. After XXXX 's installment was auto drafted from my bank account, I called Nelnet again to see where my application stood. Again, they claim to have never received it. I then called Navient and got a hold of a lovely woman named XXXX who explained to me my application was indeed being processed. She also informed me Nelnet was no longer my provider and I should not have been asked to pay anything regarding an application fee because the service I was paying for is in fact free. She proceeded to give my phone numbers to people who could help me get this resolved. I am attaching documents from my bank showing the XXXX installments I made in the amount of {$590.00}. They are in a different name ( ACH XXXX ... ) than the Dept. of Education I usually made payments to.
On XX/XX/XXXX, I called my institution Pen Fed located in Nebraska and requested money transfer to XXXX XXXX University. On XX/XX/2018 I was contacted by the financial aid department at XXXX XXXX University which stated to me that the wire transfer has not been received into my student account at XXXX XXXX XXXXXXXX. Mr. XXXX XXXX from XXXX XXXX University called on XX/XX/2018 at XXXX Central Standard Time to notify me of money still has not been received in my student account. When I spoke to XXXX who taking the request Per XXXX XXXX XXXX to wire money into my student account left the same day as another check sent by via mail to a storage facility. This left me XXXX in my account after the XXXX hundred dollars was subtracted out of my account Per : XXXX ( Pen Fed Credit Union ). 
The account that the funds were to be distribute to was XXXX XXXX XXXXXXXX Routing Number XXXX Account Number XXXX Student Account is my cell phone number XXXX Address XXXX XXXX XXXX XXXX XXXX AZ Per Mr. XXXX XXXX who gave information to XXXX at Pen Fed Credit Union
XXXX/XXXX is reporting five student loans on my XXXX and Equifax as " Account 60 days past due date ''. They have transferred these loans to another lender and the pay status is still showing incorrectly. I have disputed this incorrect information with XXXX and Equifax, but they keep saying that the information is verified as accurate by XXXX/XXXX. I have also written XXXX/XXXX and they have not responded to my dispute.
On XX/XX/XXXX, I submitted a bank wire executed by XXXX XXXX XXXX XXXX. The Beneficiary Bank  is the XXXX XXXX XXXX. The beneficiary is Coinbase , Inc . The amount of the wire is XXXX dollars. On XX/XX/XXXX I received an email from Coinbase that my bank wire to Coinbase was rejected due to a mismatch in names. The email also specified that I was to receive a reverse bank wire within 7 business days, yet I have n't received the wire back to my account and it has been over a month now. It 's very disappointing that XX/XX/XXXX /Coinbase would take such a long time processing the reverse bank wire especially when the money is tide up and unable to be utilize. My Coinbase/XX/XX/XXXX account is XXXX. The case number is XXXX.
XXXX lease was closed out 2015 A/c number XXXX Experian has a balance due of {$410.00} and a XXXX  monthly payment that shows as due XXXX  shows that a XXXX  monthly payment is due Both are incorrect and XXXX has verified that this account is closed and nothing was due at the time it was closed
FOCUS FIN ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you FOCUS FIN or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : FOCUS FIN or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
This is regarding my XXXX XXXX Mastercard and Better Balance Rewards credit card by Bank of America. The accounts were opened in XXXX. I had completed my bonus sign up offer for the XXXX XXXX Mastercard. After the initial payment, there was a balance on the credit card. The creditor failed to send statements to my address and email address to notify me of this balance causing a negative report to appear on my credit reports. 

After calling and making the payment to the bank 's collections department, they assured me that there was no balance on the credit card and no further payments would be required. They assured me this more than once. After several months in XX/XX/XXXX, I received a notice from Bank of America in my mailing address that both my credit cards, XXXX XXXX Mastercard and Better Balance Rewards, were being closed due to negligence in payment. I called in and they told me that there was a balance of {$25.00} + late fees + interest on that amount on the XXXX XXXX credit card. I spoke to them that I had called earlier in the year to make sure there was no balance on the card since the payments were already late once. They said that there is nothing they can do and all negative reports will be put on the credit report. Due to payment negligence, they had closed both my credit card accounts without my permission or authorization and submitted a negative report to my credit file at XXXX, XXXX, and XXXX.
Good afternoon, I am showing a new address that has never been associated with me. The address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Fl. XXXX. Also the following phone numbers have never been associated to me : XXXX XXXX XXXX XXXX I am afraid someone is using my name or SS and might open accounts under my name. I am checking my report now.
I have received at least XXXX fake court documents citing Wage Garnishments that have been left at my door. I live in VA and this particular collection company is also located in Virginia - XXXX XXXX XXXX , XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA. The debt dates back to XX/XX/XXXX or earlier. I was taken to court and my wages were garnished for the amount I owed Capital One ( in XX/XX/XXXX ). Now I have a new company contacting me with fake Wage Garnishments. There 's no summons filed with the court and no court case in the court systems listing. They also have an incorrect address for my employer. I 'm sure I 'm not the only person they are contacting for time barred debt. The full amount I owed to Capital One has been paid - they still listing the full amount of the original debt.
I have XXXX loans on my home. The first mortgage after much stress, hassle & lies from this bank, I finally received a loan modification. The XXXX loan is a HELOC with " Wells Fargo ''. They told me that if I could get a loan mod from the first lender it would be much easier to get modified with them. They denied me twice, saying I can afford the monthly payment as is. Which seems to have nothing to do with any reason to deny an approval. The payment would have to go up regardless & if I made less money they would say I could not afford it & be denied as well. They even added {$1000.00} to my gross income, of which I do not make. So apparently there is no such thing as approval in any case.There is only an {$8500.00} ( approximate ) delinquent amount. If this amount was simply added to the loan amount it would be about {$20.00} more per month in payment. So they would rather foreclose on my house than to increase my monthly payment by {$20.00}. This is outrageous. 
In 2 years this HELOC will end anyway & the entire amount will be due. If I refinance it will increase my payment by about {$600.00} more per month + the cost of the refinance fees. I only have 2 years on support payments left & then do not know if I will have any income at all after that. I was a homemaker and almost XXXX XXXX XXXX now. While my ex still enjoys his XXXX figure job & lavish health insurance. He was the one who caused all of the delinquent payments in the first place. The only choice I am given is to come up with the {$8500.00} payment. How do they figure that I can afford that? I am currently making the month payments & have been for the last couple years. It is only the delinquent amount at issue.
American Express never told me there was any sort of limit to their extended payment option. In reliance on that option, I made some large purchases. To my surprise and horror, I received a minimum payment bill for over {$9000.00}. As I am XXXX, my options for customer service are online chat, email, or fax. I do not use TTY or voice telephones. On American Express online chat, I was told I was at the limit for extended payment and there was nothing they would do for me about breaking up the huge payment unless I use a voice telephone. Upon further escalations, I was told they have TTY available and that's all, unless I provide my personal information to another person and allow them to contact on my behalf. That is a discriminatory and demeaning option which I rejected. I was informed the ONLY ability to contact anyone who could help me is telephone or TTY. Later, they told me I could write US Mail and gave me an address. 
As the payment is due XX/XX/XXXX and it is now XX/XX/XXXX, that option will not work. 

This is not the first time American Express has refused to offer alternative communication routes for XXXX customers. In XXXX, when I found my interest rate had been raised despite my payment being returned due to an identity theft incident which I had disclosed to American Express ( and for which I have police reports and other documentation ), they also refused to assist me except by voice telephone. 

As an aside, during the chat conversation, as you can see in the transcript, their first associate, " XXXX, '' provided me with another customer 's PII. Ironically, when I asked for an official transcript of the chat after I had escalated twice, the supervisor told me they could not provide me with a transcript for privacy reasons. When I waived privacy rights, they still refused to give me a copy. Luckily, I was able to capture the transcript from my browser and cut and paste it into a file. 

As you can see from the transcript, American Express discriminates against XXXX people in that they will only offer certain services to individuals who can use voice telephones.
Paypal is holding payments, and restricting available balance for up to 7 days after payment. They cited large payment paid in order to make it so that a available credit can not be used even though it has been taken from my checking account, and applied to the card balance. I believe this to be an unfair and discriminatory practice, especially because all my other payments have reflected in my available balance in 24-48 hours.
I checked my Equifax credit report through   XXXX   I found a "   XXXX   '' hard credit pull on  XXXX   XXXX ,  2017  that I did not instigate ( I did n't apply for new credit or do anything with  XXXX   ).  I contacted  XXXX  by phone on  XXXX   XXXX ,  2017 , and they refused to provide any information.
On XXXX XXXX, XXXX I went to the apartment rental company ( Sunbelt Credit ) where I normally go to pay my monthly rent. Before I went to Sunbelt Credit I called them to verify that my account was closed. The representative looked up my account and stated that the account was closed, at this time she instructed me to stop by the rental office to pick up paperwork showing proof that my account was closed, and she actually gave me a refund check in the amount of {$140.00}. I do have this paperwork in my possession at this time and I will upload the document. After I received the paperwork showing that I did not owe any money, I received a letter in the mail on XXXX XXXX and XXXX, XXXX informing me that I still owe money to Sunbelt Credit. On XXXX I received a phone call from Sunbelt Credit 's corporate office stating that I have a balance that I still need to pay totaling {$140.00}. She informed me that I had to pay the balance right away, and if I did n't that they would report it negatively on my credit report. I did everything that I was suppose to do to ensure that the allotment has stopped and that I did n't owe any further or future money to Sunbelt Credit.
I am XXXX now and badly needing help. I have been a good customer with Vanderbilt Mortgage since XX/XX/XXXX. I paid off the XXXX home in full with them. Then the outlawed grey pipes burst and destroyed the home. They convinced me under duress to put up my land for a downpayment on a new home. In XX/XX/XXXX, I started making payments regularly on my new home. After a good number of years, they made an accounting error and did not pay my land taxes or insurance escrow for a year. They demanded that amount of around {$4000.00} be paid immediately by me. I did not have it. Finally, they let me slide on their mistake for a year, then demanded it again. I did not have it. So they FORCED me into an in house loan modification. They did not lower the interest rate. They barely lowered the monthly payment, made me sign a note that threw my mortgage into a full brand new 30 year loan! PLUS they added a {$20000.00} balloon note on the end. The over 8 years of payments I had made which was mostly interest, VANISHED!!!! Now I recently had to lower the amount of insurance I needed on this home, to an amount that is not nearly enough, in order to make the INCREASING payments they are charging me. I am almost XXXX years old and can no longer work. My income is vanishing. I would be XXXX years old if I lived to pay this piece of junk falling apart XXXX/VANDERBILT home off. I LOVE my land and do not ever want to have to move. I have lived here 18 years. I am TERRIFIED I will end up losing my home. They have XXXX me worse than I have ever been XXXX in my ENTIRE life!!! I look at the new statements and out of an approximately a {$1200.00}. payment, only {$87.00} is going to the principal. The woman named XXXX who did this to me, is no longer there after telling me she would be there for the rest of her life. Is she in jail? She should be. XXXX I desperately need help and so I called the XXXX XXXX and they told me to come here. Please I beg you to help me. The original loan should have been paid off in 15 years. How on earth is this possibly legal? It can not be legal. I have been preyed upon and they also told me that if I did a land home package, it would increase in value like a REAL house as it would be legally " attached '' to the land. Well, they did not put it on a concrete foundation, so no one will refinance me. There are so many scammers out there saying they are HARP but they are not. NO XXXX will refinance me because of the way they set this whole scam up. IT WAS THE WORST SCAM AND I SEE THAT I AM NOT ALONE. JUST XXXX VANDERBILT AND XXXX HOMES. PLEASE help me! I am more than desperate. XXXX