WillisBack/dataset-financial-user-claim huggingface dataset:
A check of the amount of {$1500.00} was endorsed to me and i went to my local Wells Fargo branch on XX/XX/2018 and deposited it into the ATM. I thoroughly checked the security details of this check with a black light and tried to smudge the ink on the check with water. Everything checked out perfectly.The full amount of the check went on to clear into my account on XX/XX/2018. I went into the same branch and withdrew {$1300.00} of the money. On XX/XX/2018 the check was returned as a fraudulent check. 
Had Wells Fargo waited the three days to clear this check, as they have every other transaction i have ever made with them, this situation would have never arouse. 
I have spent countless hours at the branch, where they told me it was not fraud, so they refused to even start a claim. I have finally gotten through to a manager, over their customer service line named " XXXX '' and had a lengthy discussion with him about why the money was ever credited to me within 24 hours and how poor the customer service has been, so far. The biggest issue I can see is I am clearly NOT the only person their bad banking is effecting, considering it is on countless national news headlines. My life has personally been debilitated by this fraudulent check scam. And it seems as Wells Fargo does not care about me, or any of their other customers. I only hope to resolve this issue as soon as possible, close my account, find a new bank, and warn everyone I know of the way Wells Fargo conducts their " business. ''
Discover Card keeps calling me at my home saying they want to talk to me when I make my payments on time and have spoken to them hen previously.  Why are they calling me everyday?  Home number XXXX.
XXXX lost 2 of my payments made in XXXX XXXX which were made in agreement for a deferment to secure my loan. As a result of their negligence in losing my payments which made the account more delinquent than it actually was and subsequently caused them to repose my vehicle on around XXXX XXXX XXXX. I disputed the missing payments with them by sending official bank statements and the bank ( XXXX XXXX ) speaking to them verifying the payments were made and on what days. XXXX XXXX refused to accept my official bank statements, debit card transaction and payment receipts as proof of payment. XXXX also never sent me any documentation about the repossession or the auction within the 14 day time frame as required by law. I filed a dispute against XXXX XXXX concerning the documentation that I nor the primary borrower received with the XXXX. XXXX XXXX claims they sent the documentation but to an incorrect address despite the fact they had repossessed the vehicle from the very address that was on file. In fact XXXX is still reporting to the credit bureaus as if this account is open and active showing late payments from the month of XXXX XXXX up until now even though the status should reflect chargeoff
Over the last three years that I 've been in repayment for my student loan, I 've had continual issues with the competency of Fedloan Servicing, the loan servicer that holds my federal loans. On multiple occasions I 've been confronted with issues in their online system, including missing direct debit payments which they 've then tried to charge me late fees for, and without notice increasing the direct debit amount by XXXX dollars when it should not have been increased ( i.e. my monthly amount due has n't changed, they just randomly increased the amount they took out of my account ). Their customer service is rude and unhelpful without fail. All of this has led me to lose all confidence in their ability to service my loans. If these seemingly simple issues are happening, what is happening that I 'm not aware of? If they ca n't do something simple like process a payment correctly, why should I have any confidence that they 're handling more complex things like compounding interest correctly? They are horrible all around and I hope they are seriously investigated.
The loan company refuses to accept my payments for pay off. They have terrible means of resolution advising I can either use the phone system or send a payment by mail and I do not wish to send because of security issues. Payment systems state my account number is invalid. I work at a bank in the loan industry and I know there limited service and means of payment are unexcusible. I called customer service and they stated that " it should be working '' I just want to pay off my loan and get my title however they reject all electronic payments from my large financial institution. They should be looked into for regulatory compliance.
I completed my education with approximately {$45000.00} in school loan debts. A few years after beginning repayment, I consolidated the remaining {$41000.00} in debts. Over the years I have paid over {$95000.00} toward this debt. The prinicple on this loan remains over {$37000.00}. So of the {$95000.00} I have paid toward my education debt, only {$4000.00} has been counted toward paying down the debt. This seems criminal! Can you help?
Wells Fargo as mortgagee : I applied for modification, took nearly a year. The offer came back higher than my original payment prior to mod application They WF took a deferred second from a previous mod of $ XXXX plus and added it back into principal and tho the rate was lowered from 4 to 3.75 the additional principal obviously increased my payment I dont get where the RELIEF as in the word implies modification should increase my mo payment and WHY they would even think about adding back that large amount of money in my effort to seek RELIEF My PAYMenT WENT UP!
I have been paying on my formerly XXXX student loan. UAS is the servicer, XXXX bought the loan from XXXX. All the sudden, I could go months without paying, and never heard from them. Then, today, I stacted getting phone calls stating that I am late. I called them and pressed them about what happened with XXXX. I asked if my student loan was one of the ones that was forgiven. He would not answer this question. He refused to give me any information other than my balance and what I owe. I called XXXX and they said to check my credit score, since that would include who has my loan and a contact of the company. I looked up my score and history, and the loan does n't exist. It disappeared, which would indicate that it was one of the forgiven loans. Yet this company, UAS, ( University accounting services ), is claiming I owe them money and is refusing to give me any information on what exactly happened to my loan. ( He was insistent that XXXX XXXX XXXX XXXX was the orginiator. They were n't. XXXX was. ) And XXXX, went under as well and was bought by XXXX. They also are in legal issues and going under. Yet still, UAS is claiming I owe them money and refuses to give me any information. The loan is not anywhere on my credit report.
I XXXX XXXX believes that I should have been notice from XXXX XXXX XXXX XXXX that there was a balance to my account. I simply have no idea how this balance could be so large. However, XXXX is a public utility, and they are governed by a state public utility commission, not by federal Fair Credit Reporting law. Accordingly, I request a full accounting of the XXXX debt, in addition to a signed agreement or assignment from XXXX to XXXX XXXX XXXX XXXX XXXX If there was never a true assignment, then the collection has to start from scratch, and I must be given notice that XXXX intends to turn the matter over to a collection agency. This item should go through the proper legal procedure before its placed back on any of my credit reports. I request Equifax and XXXX to mandate from this subscriber to follow the proper collection procedure as stated in FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

THIS ITEM NEEDS TO BE DELETED AND GO THROUGH PROPER PROCEDURES AS MANDATED THROUGH THE SUBSCRIBER AGREEMENT XXXX HAS WITH EACH CREDIT REPORTING AGENCY!
Our mortgage was serviced by XXXX for several years after being sold by XXXX. We had some financial difficulties and requested a loan modification. They agreed and I sent a check that didn't clear. At this time I had opened a new bank account. SO, when I saw that the check didn't clear I called and requested they take the money from my new account. Well, the rep didn't verify my checking information and they tried to take it from the old account. So, they wouldn't let us continue. They filed for foreclosure. It was due to go to auction on XX/XX/XXXX, but it didn't sell. So, now we are being serviced by a company called Selene, LP. They haven't tried to reach out and work out a solution. I understand we now have another pending auction for XX/XX/XXXX. I want to know who can legally foreclose at this point? I plan to submit loan modification paperwork to Selene tomorrow.
I was notified by a credit monitoring service that a new collection was placed on my credit report on XXXX/2017 by Midwest Recovery Systems. I have never received information regarding the account or the pay day loan Midwest Recovery Systems are attempting to collect. Midwest Recovery Systems failed to allow time to dispute the debt prior to reporting to the credit agencies.
late charges have been applied and there is no supporting documents, I have been trying to resolve this for a long time and have not been able to do so. I have been in good standing and have never been late on payment, I opened a mortgage with GMAC XXXX XXXX, 2004 and it was sold to Ocwen. now my monthly statements are not correct I have called many times and can not get this resolved.
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX The company listed herein is shown on my credit reports across all Credit Report Agencies. According to them, I have opened an account and have an outstanding balance of {$400.00}. I totally and utterly dismiss this assertion. Upon discovery of this derogatory account, I did inform the company in question along with the 3 credit reporting agencies about this fraudulent account. 

I have requested verification and/or validation of this alleged debt but to date this information has not been forthcoming. I have provided proof that my personal information, including my social security number, have been compromised, as confirmed by the US Office of Personnel Management. I have also submitted a Federal Trade Commission ( FTC ) Identity Theft Report and the company in question has failed to respond. I implore this company to delete this account from my report with immediate effect.
On XX/XX/XXXX, I received a letter from Harris and Zide representing XXXX XXXX. The original creditor was XXXX XXXX bank but sold to XXXX funding. The letter stated they were processing a lawsuit to collect the amount of {$950.00} and to contact them immediately. I contacted them and spoke to a representative by the name of XXXX. I informed her of the letter and let her know I wanted to set up arrangements. She asked me what I could pay and I stated {$25.00} a month. She advised me that they could not agree to that amount but I could send the money but that would not stop the lawsuit. I told her I would follow up later. The next day I set up payment arrangements with a guy named XXXX in the amount of {$56.00} a month until the balance is paid off. I asked for the agreement in writing and was informed that I would receive a stipulation with the agreement and to sign and send back. Weeks went by and I followed up on the agreement. By then I made 2 payments. They gave me the run around and said that I should receive it soon. I asked to speak with a supervisor. The supervisor 's name was XXXX. She faxed me a written agreement of the payment arrangement. On XX/XX/XXXX, I received the stipulation with a different amount owed of over {$1300.00}. This amount was never disclosed to me in any of the previous conversations and it is not the correct balance reported on my credit report. The agreement they sent me stated I owed {$950.00}. I do not deny the balance of {$950.00} but they can not collect on more than what the debt is.
I filed for bankruptcy back in 2009. Citi mortgage continues to send notices, call my phone incessantly at all hours and days of the week. 

I have spent countless hours with them on the phone holding to be transferred to different departments, sent letters with copies of my chapter XXXX filling listing them as creditors and yet it 's been 7 years and they continue to write me.
After purchasing our new home in XX/XX/XXXX, our loan was subsequently sold to Rushmore Loan Management ( RLM ). When we learned of the loan transfer, I called RLM to ask about  sending multiple payments, to break up the large amount. They indicated on the phone that they can accept multiple payments. 

Our first payment was due on XX/XX/XXXX, so I sent a check from my bank in the amount of {$800.00} on XX/XX/XXXX and the rest of the balance {$600.00} on XX/XX/XXXX. This process repeated, where I would send {$800.00} mid-month prior to due date and the rest on the due date. 

This went on for 3 months before RLM sold my loan to XXXX. When I learned that my loan was sold, I reached out to XXXX via phone and they told me that they do not support multiple payments and that I was behind on my mortgage. I asked how that could be and they indicated that it was my responsibility to find out. They also started calling our phone day/night with automated calls that were never answered by an employee. 

I have spent more than 10 hours so far, on the phone with RLM to understand what happened. All I can find out is that they applied my XX/XX/XXXX payment ( for XXXX XXXX due date ) in the amount of {$800.00} to principle. This put us behind by that amount for XXXX. RLM has indicated that they are " looking into it '' and the supervisor, XXXX XXXX ( ext. XXXX ) has not returned my many voicemail messages. 

XXXX has indicated that we will not be taken off the robot-calling punishment until our account is current.
My used XXXX XXXX XXXX was purchased with a bumper to bumper warranty from XXXX XXXX XXXX in XX/XX/XXXX or XXXX 2017. The first event was that the car had rear mirror stated on the purchase agreement that was not on it so they installed an after market camera on the car.Now the rear passenger side bumper is flapping loose so I called them when i got no real clearing of the problem took the car to XXXX XXXX XXXX in XXXX California a certified XXXX Dealer.When XXXX the service consultant looked at the car he showed me where the glue had worn off and 2 clams that hold the bumper were broken.He said the car would have to be sent to a body shop but contact the dealer that i bought it from.I called XXXX XXXX and they said bring it up for them to see. I called today and asked would the car be repaired today and they could not guarantee it would be.In fact tmight have to stay overnight.My round trip would be 1 hour up and 1 hour 15 min back ( 2 hours 20-30 min each trip.This did not involve any accident so it was not my fault but the dealers fault.To simplify they could have let a dealer close to my home fix it as the car is under warranty to help with the poor service and loss of time that I have suffered in this transaction. I called Wells Fargo Bank @ XXXX and they were going to call XXXX. My account number XXXX.
I called to make a full payment on a old debt account that I have reported on my credit. I have been in previous contact with this company XXXX for a XXXX XXXX account in the amount of {$310.00}. My representative there is XXXX, she said she could n't wave any amount of it and I needed to pay it back in full so I told her that I will pay it back but at a later time when I get more money saved. I now had the money to pay it off so that I can have it off my credit report. Called the number which I thought was the correct company, I asked for XXXX and the lady who answered said that she was in the office at time moment and that she could help me. I confirm my account and the balance amount of {$310.00} and she took my payment over the phone and said she would forward this to my account representative XXXX and that I should received a confirmation of payment and that It would be updated within a few weeks with all XXXX credit bureaus. On XXXX/XXXX/2016, my credit report updated and I didnt see this account update. I called XXXX and they said I didnt make the payment and I told them yes I did, I called made it on or around XXXX XXXX, 2016. I went thru my emails and I found a receipt for a " Sullivan Asset Management ''. I do not have any knowledge of a account with this company and the payment made was not intended for this account. It was specifically for my XXXX XXXX XXXX account for {$310.00}. I have been mislead to pay an account which I have no knowledge of and this company misrepresented themselves as to have me believe I was paying the correct account that I have reported on my credit report. I saved up money to pay the account that I owe and is being reported on my credit and I am in disbelief that I was mislead to pay a completely different account. I am not trying to hide form any debts but this company " Suliivan Asset Management '' misrepresented themselves in order to received a payment that was n't intended for them. I called Sullivan Asset Management this morning XXXX/XXXX/2016 and used the phone number that was on emailed receipt. The lady I spoke too wouldnt give me her name and said that I was mistaken because there is no XXXX here. I explained to her that this was misleading and a mistake. When I made my payment I confirmed the amount owed and who was my representative. She once again just told me that I was wrong and that there is nothing she can do. Again wouldnt give me her name. I have now paid into the wrong company because they misleading me into believing I called the correct place.
I recently use the service Venmo to transfer money to a friend of mine who I owed {$600.00} to. I transferred that amount to my friend using the Venmo mobile app. Once I submitted the transfer, I noticed the amount jumped to {$620.00}! There was an instant 3 % fee that was charged. It would have been nice if I had know about the fee before the transfer occurred. It was instant, and I had no chance to cancel the transfer. I thought this was very shady on the part of Venmo. I contacted the company and they said the 3 % was assessed because my account was linked to a credit card which causes the fee to occur. They declined to get rid of the fee citing the terms of agreement. However, it 's important for customers to at least review the upfront fee before they transfer the money. That 's all I wanted, a choice. I was not provided that.
A balance transfer I initiated was cancelled without notice and the company was unable to provide me any details ( twice! ) on why it was cancelled besides that it was cancelled. Furthermore, I did not receive any notice electronically or even a voicemail regarding this issue and now have a pending authorization on a transaction that is listed as cancelled -- preventing me from actively using the card again for this purpose.
After reviewing a recent credit file report provided by XXXX, it has come to my attention that " ConServe '', a collection agency based in XXXX, NY, failed to send written notice of a debt, did not specify the debt amount, and did not provide a statement with my rights to dispute the debt. The company has operated under unlawful pretenses and has violated the Federal Fair Debt Collection Practices Act. I seek an outcome through the ConsumerFinancial Protection Bureau that will rectify this gross consumer rights injustice.
This company has a serve lack of knowledge. Numerous times I have been something and then call them back and be told misinformation. I am trying to pay back my loan faster and they hold my money and say that it goes towards the principle, but their is no principle only option. Then I was told that when I got my taxes to pay the balance that has been holding against and then the loan will be paid off. I do that and then I was told I was misinformed and still owed another {$1200.00}, meanwhile I was told only {$450.00} would close that account.
This company began calling my number approximately XXXX 2016. I have continuously asked they remove my number from their contact list, as the person they are looking for does not live here. They insist on calling, at least 4-5 times per day even though the number is on the " Do Not Call '' registry.
Without my permission, Wells Fargo took money from my bank account to pay for a new purchase on my Wells Fargo Credit Card. I did not authorize a new payment schedule for this new purchase and Wells Fargo took it upon themselves to draft money from my bank account.
XXXX XXXX account was opened in XX/XX/2017 and it has a balance of {$450.00}. Ive called XXXX several times to resolve this and theyve yet to rectify it and its reporting on my credit. Also, theres a XXXX XXXX bill on my credit, opened XX/XX/2017 with a balance of {$1900.00}. Ive contoacted them several times and even attempted to do a payment plan because its on my credit. Its unfair because this is not and was never my account.
On XX/XX/18 was unable to find XXXX $ via ach transfer. 
On XX/XX/18 balance of XXXX $ was debuted from my existing PayPal balance. 
XX/XX/18 in addition to the XXXX $ taken on XX/XX/18 my bank account was compromised and XXXX $ stolen. 

They were unable to give me back XXXX $ I spoke XXXX id # XXXX supervisor
XX/XX/XXXX my wife and I had our XXXX Kia Optima was repossessed by Kia Financial, they violated the California Breach of Peace of Repossession law which is illegal by entering a gated and secured premises without property owner 's permission. We thought the car was stolen so we called our local police department and they told us that the car was picked up from some repossession towing company hired by Kia Financial and they provided the number to the towing company. We called because we still had our personal belongings left in the vehicle and the driver said we had to pay him a {$25.00} cleaning fee to get our stuff back. Which is illegal. We never received a post repossession notice and we do n't know if the sale of the car was commercially reasonable or how it was sold, but Kia is saying that we owe {$7500.00} for the balance on the car but they never sent us any information about the car stating this amount or any thing. We recently contacted Kia financial back in XX/XX/XXXX to try and resolve this matter and we requested the information about the car and what they said we owed, and the lady told us that she will send it by certified mail and we will receive it in a couple of days and to this date they have not sent anything to us, but she did try to get money from us for the balance.
I have XXXX and navient for XXXX of my student loans. They both boast that after 12 months of payments you can release the cosigner. So last year I started this procedure. I supported the documentation needed to both companies and received an approval from Sallie mae after the 2nd try and a rejection from Navient. After numerous re applying and then calls to them I come to find out that I have to make 12 consecutive payments of principal and interest to them and in XX/XX/XXXX a pymt was made but not equal to prin/int pymt. Even though I made a number of payments in excess of XXXX to XXXX dollars which did not count. So ok I wait till after my XX/XX/XXXX payment of prin/int and reapply. They go through the motions and reject me again after a credit/employment check. Stating I owe too much money and do n't make enough so they ca n't release my cosigner. All of which was never explained in the directions. I am beyond frustrated. My mother would like to be released and would not have agreed to be a co signer if this was known before we applied. Not to mention this loan has an interest rate variable of 7.25 % or more. The lady I spoke to was XXXX, her solution was to get another loan to pay this one off and get the cosigner off of it. Huh! That does n't make sense. I know there are multiple lawsuits against navient for these same practices. if there is a class action suit in the works i would like to be included in that. this company is bad news. i will never refer anyone to them.