WillisBack/dataset-financial-user-claim huggingface dataset:
I just noticed that i get charged an interest rate charge for making a payment transfer from my checking account into my credit card account ( online, both accounts are with BOA ). 
For the past 8 months or so ive been paying a regular {$150.00} a month into my credit card. Thinking everything is ok i never really checked unit today, turns out the actual value of my payments were only {$50.00} because the other {$100.00} have been charged to me as a transfer fee. If thats not stealing, I dont know what is. 
What is the point then of having multiple accounts with this bank if you CAN NOT use them with each other? BOA always makes that argument, saying it is good and beneficial to have multiple accounts with them. This proves that this is a lie of theirs and that they are crooked thieves. I might as well have an account in a different bank and pay from that bank into my credit card, that way their transaction fee is justified. 
Most ridiculous thing i have ever heard, I wish i was not banking here anymore. 

Yes some might argue that I should have read the policy or that i should have been checking from the beginning, its not the banks fault. I would say that is why the USA is the way it is, you keep supporting crookedness. 
I did what almost all Americans do, I did not read it true and did not check, but that does not make it right. BOA even makes it so clever and easy for you to be charged this fee, online they 've placed a button that says make payment, once you click it easy lets you select what accounts you want to pay with, and I always choose checking, well this grants you this so called interest transfer fee. 
If was told about this fee when applying for it, because there was an agent there whom helped me and answered all my questions, I would have never opened the CC account. 
Like i said Most ridiculous thing i have ever heard, I wish i was not banking here anymore. I will pay off as quick as I can and get out of this bank. 
Thank you BOA, you 've finally proved to me you are the worst and to think i ve been with you for over 11yrs.
I called Equifax on  XXXX / XXXX /   17  referencing confirmation #  XXXX  in regards to an item in dispute they stated was verified as being mine, however they failed to give me a description of how the reinvestigation was conduct ed ( wh ich they say they will do on the result documents ) I spoke with  XXXX  in the Office of Consumer Affairs and he could not give me a description of how the item was verified as being mine or how the reinvestigation was conducted. I also wrote a letter to the company asking for this information twice and both times I received nothing.
It 's concerning the XXXX auto payment closed XXXX of 2008. We paid that bill in full after the car was totaled by the insurance company- XXXX XXXX XXXX There should not be anything derogatory concerning this account. We were never late on payments and they received the total due in XXXX of 2008. I would like this negative mark removed from my credit report. Please check with XXXX to confirm. Thank You
I have continuously disputed the following 2 items on both my Experian and XXXX reports. I have no knowledge of these accounts. I have contacted the debt collector and requested information and they refused to send it to me without verifying my social security number. I have never received a bill from this company and I have no outstanding medical debts I have had continuous medical coverage for the past 15 years that would cover any medical bills. The credit bureaus refuse to remove these items claiming they are valid, but I have not received any valid information. Item 1 : XXXX Collection/Chargeoff Other {$530.00} Status Date Reported XXXX XXXX, 2017 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name XXXX Original Lender MEDICAL Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$530.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX Remarks Placed for collection. Item 2 : XXXX Collection/Chargeoff Other {$100.00} Status Date Reported XXXX XXXX, 2017 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name XXXX Original Lender MEDICAL Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$100.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX Remarks Placed for collection.
Someone applied for multiple credit cards under my name, which resulted in 10+ hard inquiries to my credit report. Also, a XXXX XXXX exists in XXXX Georgia under my name and it is not mine.
I have began receiving credit denials from companies that I have not applied for credit with. Primarily department stores using my name and address. I have contacted the companies directly to file complaints with no resolution at this time.
I personally, like to banking to KeyBank. But 2 or 3 years later on around 2016 they always close my account ( s ) without any reason to me. I have trying to apply a new checking account again and again, then the accounts were approved after that they closed on each every time were my account was approved. This is not an equal in the USA and not fair to me in the United States. I am not saying ; I have no bank to bank with, but just wondering why they doing this action to my? Plus, KeyBank is my local bank, but they are so racing to me. I am a human too. Thanks.
The following person named XXXX XXXX was found on credit reports and tax records previously and may have reaped benefit from my tax refunds or credit reports due to mishandling of records by corrupt collection agencies, attorneys and judges : XXXX County Civil Court ( TX ) Film Code : XXXX, XXXX, XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX
My general complaint is " authorizations and/or holds '' that are placed on cards by merchants for services to paid at later time and not taken away when bill is paid. When Merchant bill is Paid in FULL, any " authorization or hold should definitely be removed if not immediately then at the very least within 24 hours. 

My recent experience Suntrust Bank over this demands looking into to. On XX/XX/XXXX I checked into the XXXX XXXX XXXX used my Suntrust card and a {$120.00} was put on hold for this stay. 

Upon checked out I paid bill of {$250.00} In Full on another card. Later when I realized something not right was going on with the Suntrust Account and the XXXX. I called the hotel first and they assured me the problem was with Suntrust, so I immediately called my bank to try and resolved this, explaining that the bill has been paid. They said I would need to contact the hotel to get this resolved and I explained I already had and they said " You '' Suntrust Bank is holding this up from clearing. I was also told on this call that it could take 3-5 days to clear. I said that is unacceptable, especially considering you can take my money with the stroke of a key. So, you can understand the frustration if this has ever happen to you. It is like both parties are playing " you '' back and forth like a ping pong ball. So, I recontacted the hotel and they assured me they were not the reason for this charge still being on my account. So, I called Suntrust back again after a 10 minute hold and asked for a supervisor to try and get this resolved. So, when they spoke to me, they told me the same thing ... '' it is the hotel holding this up '' and now this time was told it could take 5-7 days to clear and which time I went off like a cannon on this dude. Plus, to my second surprise, I was told for the First time that the hotel would have to give them a " confirmation '' number in order to get this cleared. I said fine, let 's call them right now, the manager is sitting by the phone waiting for this call. This supervisor refused to call or help other than say " : they need to call us ''. Wow, isn't it great how they try so much to help their customers. Amazing!! 

So, I am sure this has cleared up by today and probably not still an issue, but I wanted you all to know how frustrating this process can be between merchants and banks and that most importantly the customer, the guest or the client, whatever you want to call them, We are the ones that suffers during this process and it should not be this way. 

Thank you for your concern, XXXX XXXX.
This GFCS company has come after me for a debt from 2007 in which I signed up for an online c=College XXXX who shortly after I signed up lost their accrediation so I called them wanted to be excempt from paying this loan and they told me they would do so. I the mean time they turned it over to collectors who have contacted my employer and now put a lien on my banking accounts in the amount of XXXX which is everything I have. I have just recently gone back to work XXXX and was collecting XXXX benefits. XXXX. Please help me now I can not afford to go back on XXXX and they have left me with no money for resources.
HelloMy name is XXXX XXXX, i live in XXXX and a few months ago I opened a paypal account so I can receive funds send by a friend in XXXX. I sent them every document they need and they activated my account. After a few transactions, each XXXX under XXXX $ I got an email saying I reached the transfer limit of {$2500.00}. They wanted more documents, which I provided again and they reactivated it again. After a few more transfers and about a month later they suspended my account and wanted me to prove my business and the items I sell, what website do I operate and more absurd questions like that. I have no company, no items to sell and I just use the account to receive money from an US citizen. I have never used the account for something else. I respectfully explained that to them but they can not understand, they keep sending me automated messages about their TOS and about me not cooperating and not telling them the truth. 

This is an ABSURD situation, I have no idea why they keep harassing me like this! I only made about XXXX transfers, a grand total of {$5000.00} in 2 months. 

They blocked my funds and the account and they now refuse to give my money, telling me I have to wait 6 months to get it!! 

This is outrageous! I am living a horrible dream, its impossible to talk to those people. They abuse their power and impose abusive methods like holding my funds. 

Please help me solve this issue as I have no one on my side! 

This is what i get when i login to my account! 
" XXXX XXXX, 2015 : When you signed up for your PayPal account, you agreed to our User Agreement and Acceptable Use Policy. Because some of your recent transactions violated this policy, we 've had to permanently limit your account. 
Please remove any references to PayPal from your website. 
You 'll be able to withdraw any money in your account 180 days after your last transaction. We 'll email you when it 's ready to be withdrawn. 
( Your case ID for this reason is XXXX. ) XXXX XXXX, 2015 : We need some more information about some of your recent sales. 
( Your case ID for this reason is XXXX. ) '' I do n't know what they are talking about. 

Thank you
Problem 's WITH CHARGING MY CHECKING ACCOUNT FOR ( OVERDRAFTS Fees ) WHEN ONLINE BANKING SHOWS BALANCE AMOUNTS AND PENDING- WHEREAS PENDING ' ALREADY HAS TAKEN OUT OF ACCOUNT- AND BALANCE AVAILABLE- HERE tcf IS CHARGING OVERDRAFTS WHEN ACCOUNT ONLINE SHOWS TRANSACTIONS AND " RUNNING BALANCE 's '' I WAS CHARGED TWICE IN ONE DAY XX/XX/XXXX OVER DRAFTS OF {$37.00} EACH AND LOOKING BACK XX/XX/XXXX $ XXXX- THIS IS TOTAL {$110.00} IN OVERDRAFTS FEES AND ONLINE BANKING DOES " NOT '' SHOW ( ANY ) NEGATIVE BALANCE. *all PENDING AND POSTED BALANCES DO- NOT ( MATCH ) WITH ONLINE FROM tcf BANKING ( NOTICE ), does not show any negative, does not show when/time/day or order manor of when transactions " actually went thru '' does not SHOW the order of " pending '' when transpired ( thou my account is/was Not Negative- At All ) THE INTENTIONAL 'OVERDRAFTING OF CONSUMERS/ MY- ACCOUNT " IS FRAUDULENT/DECEPTIVE ACTIONS, of FINANCIAL HARM/LOSSES - TO BE CAUSING ME/CONSUMERS TO BE CHARGING OVERDRAFT FEES ON ACCOUNTS " WHEN NO-TRANSACTIONS OF NEGATIVE BALANCE ARE PRESENT. ONE WAS REVERSED -DUE TO LONG TERM 18 YRS RELATIONSHIP '' 4 TIMES CHARGED TOTAL.
XXXX charged me {$390.00} on a Bank of America credit card for a service I did not want to renew from 3 years ago and did not authorize. When I complained about it, they refunded {$380.00}, which leaves a {$11.00} charge. 

If I could freeze my credit card, I would have done that years ago. I'm astounded BoA allowed this charge to go through. 

I closed my complaint with Bank of America when XXXX agreed to refund me, but I haven't been able to reach out after realizing they are not refunding me the full amount.
I have submitted multiple validation letters since back in XXXX of this year 2018. Letters went to XXXX  XXXX XXXX XXXX requesting they validate the debt that they have listed on my credit report along with XXXX XXXX XXXX . XXXX XXXX XXXX   responded advising that debt was now XXXX XXXX XXXX yet neither of them could validate the debt in question. They both are showing on my credit report as a debt being owed in the amount of XXXX. It is impossible to owe two different companies for the same debt yet neither of them can bear signatures or original creditor documentation. I received a response from XXXX XXXX XXXX as well which did not show any info advising that the account is even my account.
Request to REFINANCE HOME MORTGAGE LOAN currently with Wells Fargo Bank , N.A . Home Mortgage Division. 
XX/XX/XXXX I contacted a Wells Fargo Agent ( XXXX XXXX XXXX ) requesting to REFINANCE my current home mortgage loan. Current Interest Loan on my mortgage is 5.625 % After several phone discussions XXXX XXXX e-mailed me XXXX " Approximate Loan Cost Illustrations '' I chose the XXXX loan cost illustrations with the interest rate of 3.500 % ( see attached exhibit titled " Wells Fargo Approximate Loan Estimate ''. ) I also e-mailed XXXX XXXX asking for a " Loan ( Rate ) Modification ''. He responded by saying he does NOT 'Rate Modification ' but " ... .understand that a loan modification is usually do n't ( done ) for an extenuating circumstance, not just to improve the rate on your current mortgage .... '' XXXX XXXX asked me to call XXXX for assistance on loan rate modification. I called this toll free number and spoke to several Wells Fargo Agents such as XXXX XXXX, XXXX " XXXX '' and so on. These agent ALWAYS hang up on me without concluding our conversation. 
I called XXXX XXXX back agreeing to proceed with the application for the Refinancing of my mortgage loan at the " Approximate Loan Cost Illustration '' showing the interest loan of 3.500 %. We both agreed on this interest rate when XXXX XXXX told me that " Wells Fargo 's internal record of my mortgage payments showed that I have been late more than XXXX-times in the last one year. '' I tried to explained to him that for years now Wells Fargo has been making successive mistakes in the way the bank apply my loan payments. XXXX XXXX terminated our conversation and transferred my call to another Wells Fargo Bank 's Customer Service toll free number which nobody answered. 
XXXX XXXX ( Executive Mortgage Specialist ) XXXX, extension XXXX I called XXXX . XXXX several times and left a message for her, with my phone number, but XXXX XXXX XXXX NEVER returned my call. ( Note : In the past, on another issue, XXXX . XXXX sent me a letter ( dated XX/XX/XXXX ) with her phone number encouraging me to call her if I have any question on my Wells Fargo mortgage. Whenever I called her, the voice message will say " I am in the office today ... XXXX please leave your name, phone number and mortgage number .... '' I was never called back. 
QUESTIONWhy will Wells Fargo Bank ( Home mortgage division ) not want to REFINANCE my mortgage? 
REQUEST. 
1. I will like to REFINANCE my home mortgage loan with Wells Fargo at today 's Interest rate of 3.500 % as e-mailed to me. 
2. XXXX APPLICATION TO REDUCE MY MORTGAGE : I requested to REFINANCE my mortgage and NOT through XXXX XXXX from Wells Fargo. Pls stop sending me solicitation for a XXXX XXXX to reduce my mortgage.
When I bought a TV from Best Buy in   XXXX  , I was offered to get a Best Buy credit card with no interest if paid off at the end of the promotional period. Later I was asked to go green with paperless statement and auto payment. So I did. My plan was to pay if off at the end promotional period to avoid any interest payment.     No statement had ever been sent to me but I do get an email about the monthly charge posted to my checking account. Today I signed in online only to find that I was charged interest already. By downloading the statement online, I found that I was charged a hefty {$720.00} while the balance at that time was {$430.00}! And starting from that month I was charged interest every month. I called their customer service and was told there is nothing they can do. I paid off all the balance immediately today.     I realized the scam works like this   : 1. Give an promotional offer to get people in 2. In the name of go green and save the environment, get people sign up for e-statement and auto pay 3. Only send email about the monthly charge, but not the balance or billing details. This gives a sense of normality.
4. When time passes by, many people will forget to track the billing details 5. Do n't send notification about the upcoming promotion ending period, simply start charging i  nterest.
I have been an American Express client and credit card holder for over 30 years. 

In the past year a promotion was offered a separate Am Ex Gold card for my work. I am an XXXX and also have other work and private areas. The am ex offers an online chat line when you log in and identify your account and then they no longer offer any ability to receive a copy of the chat or even to receive a link or even to copy and paste the chat so they see and promise things that you can not even hold them to. 

For example, my credit line was reduced from XXXX to XXXX when they issued a XXXX card and it was for my work and not for me and despite promises to raise it the line of credit dept in XXXX is rude and often saying peculiar things and the XXXX gold card i cancelled and I was told they would raise the line of credit.. 
the customer service of am ex is terrible and usually you are sent to XXXX and can not even reach a direct line to the us I have tried on many occasions.
Wells Fargo withdrew {$220.00} on XXXX/XXXX/XXXX and {$670.00} on XXXX/XXXX/XXXX for a total of {$900.00} without my authorization. Wells Fargo claims I authorized [ Father ] on my account on XXXX/XXXX/XXXX and consequently feel they had the right to take the money to cover his delinquent account. I proved to them that was not my signature on the documents they claimed I signed by providing a copy of my driver 's license with my true signature. During the span on XXXX they conducted an investigation which involved me having to follow-up on numerous occasions including my third visit to the branch on XXXX/XXXX/XXXX after weeks passed and several unreturned phone calls. The conclusion of their investigation by an email read to me by XXXX was " Unfortunately we are not able to reverse any 'set-offs ' since it is not a bank error. We recommend [ I ] close out the account so [ I ] loses no more funds in the future. We apologize for the inconvenience this will cause our customer but they advise to reach out to [ Father ] to obtain the funds ''. They acknowledged that I am not in contact with [ Father ] because they too attempted to reach him. They also acknowledged the signature in the original document is not mine. For the aforementioned reasons, my mortgage is now past due since XXXX/XXXX/XXXX and I have received several collection calls from Wells Fargo. I have attempted to make payments even though they are at fault and they are not allowing me to pay because I now have my lawyer involved.
I am not the owner of the accounts, I wonder how they obtained my information, I never received any correspondence from them, please delete this from my credit reports XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor XXXX 11 XXXX   XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX,
A company called me from this number XXXX XXXX XXXX XXXX, and told me that Orchard bank had discharge a debt XX/XX/XXXX and was not planning to take legal action, that I can offer a payment amount and see if they will accept it. I told them that I did not recall having a mastercard in default XXXX years ago. I told them that i will call my lawyer and get back with them in XXXX. XX/XX/XXXX. I felt like i was being presured into owning this debt.
I rented an apartment at XXXX XXXX in XXXX XXXX XXXX, Texas. I was evicted over a year ago and just found out that I was put into collections by NATIONAL CREDIT SYSTEMS. I was never notified and my phone number and email has never changed. I was never notified of charges, and never contacted by the NATIONAL CREDIT SYSTEMS or XXXX XXXXXXXX.
I got a Care Credit card at my children 's dentist office, we were told that we had a certain time to pay off and if it was n't paid off in a certain time then we would have to start paying interest. I ended up using the card again for other medical bills, and later found out that the money I was paying was going toward the most recent transaction instead of the oldest, so I started getting billed interest. So now I was paying on bills and interest that I should have never had to pay. I actually called a few times and customer service put my payments on the old transactions for me and actually told me that was what I would need to do in order to have my payments go toward the right transactions. And I actually found out that I was still paying on a bill for XXXX years ago that should have been paid off long before now. So basically since this company is making sure that it can charge interest from its customers even if they are never late and pay over the minimum payment. I also found out today that I was charged {$700.00} interest. When I called they said that it was deferred interest, but when I signed up for the card I was told that interest would be deferred for however long depending on the transaction amount and if it was n't paid off THEN I would have to start paying interest, not pay all the back interest. When I looked up the deferred interest time for my last bill for last summer that I am being charged {$700.00} interest on, it says that transactions {$2500.00} and over have a XXXX month deferment period, and I had at least a {$2500.00} bill, so why did I only get XXXX months? And now I wonder if all my bills were given less time then they say. Their bills do not break down every transaction you 've made so that you can see which transactions you are being charged interest on, just the most recent and a total of the rest. I have been misinformed, scammed, lied to, cheated. This company makes it impossible to even pay back anything on time if you have used the card on more than XXXX bill. Had I known how this company worked I would 've never gotten this card to help with medical bills! I got this card to help pay medical, dental, and optical bills for me and my children and to not have to worry how we are going to pay all of this, and now somehow I am paying XXXX and XXXX times as much because of the way this company is handling the billing. They get you to get their card and then make it impossible to pay it off without interest being charged.