WillisBack/dataset-financial-user-claim huggingface dataset:
Citibank is refusing to allow me to reduce the balance on my existing credit card account using the {$12.00} check they were required to send me per their agreement with your protection bureau as is stated in the accompanying letter. I would like for them to either honor the wording of the letter or reword it to say I must either deposit or cash the check at my bank, but not transfer the funds from one of their accounts to another of their accounts.
In XXXX of 2017 I applied for a XXXX XXXX Credit card and got approved. After I was approved I purchased a few items and then had a bill the following month. I went to pay the bill and XXXX XXXX  charged my checking account twice, so I called the company to ask why. While speaking to a customer service representative the individual began yelling at me and speaking to me in a very vulgar way all over me asking why I got charged twice and why he could not help me figure out why. I brought up the situation to a manager and she said, '' oh well, there is nothing I can do about it. '' I was then charged two fees. I refuse to pay these fees due to the fact that I paid my bill and under their negligence I got charged twice. Then in the midst of this my husband who is in the XXXX got orders to move to another state. For two months I did not have a job and had no place to live since we had to find a house in the new state we got stationed in and I had no luck finding a job. I was unable to pay my bill and tried to reach out to a customer service representative and once again they were of no help and rude as ever. Now I have penalties against my account and my credit score and I do not feel this is right and this company needs to work on treating their customers better. Never have I ever been yelled at and disrespected by a customer service representative until then.
We are a small business and have used our Bank of America credit card to pay for a plumbing service. We have provided the credit card number to the plumber since otherwise he will not even go to look at the problem ; however, by doing that we did not authorize him to charge any amount to our card. We provided him with the credit card number like we do when we purchase other things from our Air Conditioning service supplier or XXXX or XXXX XXXX or any other of our suppliers. None of those suppliers charge our credit cards prior for us to review the charge and approve it. Once the plumber went to the job place we asked him to do the job and provide us with the invoice ; not even then we authorized him to charge the credit card since we did not know the charge amount. Instead he asked the tenant to sign the invoice in our stead and charged the card without our approval ; he provided the invoice to us afterwards. We have disputed that charge with Bank Of America showing that the amount was charged without our approval and that we authorized it to pay the merchant a different amount ( {$300.00} instead of {$660.00} since the job was not completed and the charge included an item that the plumber did not work on but that was included in the invoice - snaking the entire drain ; our technician went and verified that and the access panel on the main drain has not been touched ). Bank of America closed the claim saying that once we gave the merchant our credit card number he was authorized to charge it. Is that how it is supposed to work? 
We completely disagree. When asked ( by the other authorized user and company principal ) to provide us with a proof where Bank of America disclosed that information to us when we signed the credit card agreement, supervisor XXXX in the Claims department said that we do not have a claim anymore and we have to pay the amount charged since we authorized the merchant to charge our credit card when we gave him the number. Why do we have to sign, review or approve any other credit card charge when we use that card for different purposes? We have XXXX credit cards stored on the XXXX website, why whould n't XXXX charge us for a product that we did not need just because it has our credit card numbers? Simple, because it asks us to review and approve a charge before it charges anything. Well, the plumber was provided with the credit card number and was asked to supply an invoice for us to review and approve. Instead he charged the credit card number directly and Bank of America approved the charge without our approving it. When told that we will not pay a part of the charge that the plumber charged and did not provide service for BofA 's XXXX told us that we will be sent to collection. 
We ca n't afford to take this {$660.00} charge to a court - we are a small business, however, we believe that BofA process does not work the way it is supposed to and that the plumber charged our card fraudulently. 
Please advise and help.
This company added XXXX accounts my credit report with no notice in XX/XX/2017. This is XXXX of XXXX Accounts. This account is also reporting twice.
As Chase premium account member, there is {$0.00} fee for incoming international wire transfer. However I was charged me {$10.00} for a incoming international wire transfer dated XX/XX/2018. This is the second time I was charged an hidden fee by chase. Last time it happened on XX/XX/XXXX. I had contacted them without resolution. I had to file a complaint with CFPB ( XXXX ). One explanation I was given by chase customer representatives were the fee was charged by sending bank. But I have and transaction statements from sending bank to proof the {$10.00} fee was not a charge by sending bank. CFPB please investigate how many chase customers have been unknowingly charged by this hidden fee for international incoming wire transfer. This is no difference from stealing money from customers. I want a refund from Chase.
On XXXX XXXX, 2015 I was written a check in the amount of {$270.00}, from XXXX XXXX, with an account from XXXX XXXX Bank. I attempted to deposit the check thru USAA 's mobile deposit, via my cell phone. I got a couple of error messages and decided to go to my local bank, XXXX, to deposit the check. The next morning, XXXX XXXX, I noticed that both banks accepted the deposit. I called both banks immediately and explained the situation, then I asked XXXX to call her bank and explain the situation, she did. USAA advised me to let the transaction happen and XXXX of the banks would reject the deposit. XXXX also informed me that XXXX of the transactions would be rejected. Within a few days I noticed that XXXX had returned the check and charged me a {$5.00} return fee, which I expected. The funds from the check were still in my USAA account. XXXX XXXX, 2015 the funds were pulled from the USAA account. I contacted USAA and the representative told me that the funds would be returned to XXXX XXXX 's account. I contacted XXXX and she explained to me that the funds were debited XXXX, then credited once and charged an overdraft fee. We waited a few days to see if the funds would be returned to her checking account, which never happened. I called USAA again on XXXX XXXX and they told me that the funds had been taken out of my account by the Federal Reserve and put into an account at XXXX XXXX, because it was a duplicate check. USAA told me that my local bank, XXXX, would have to take over and that it was no longer in their hands. The same day I called XXXX and spoke with the branch manager, and she explained to me that the check was not returned due to a duplicate item, but because there were insufficient funds in the XXXX 's account. I was advised to contact the Federal Reserve and give them the reference number that USAA gave me. Ref # XXXX. When I contacted the Federal Reserve they told me that USAA had given me the wrong information and that USAA would have to call on my behalf. The women with the Federal Reserve never asked me for the reference number, but instead suggested that I file a complaint if USAA refused to help me with the situation. I feel like USAA has given me the run around and ca n't seem to answer any of my questions correctly.
We advised the credit bureaus that XXXX, XXXX XXXX and XXXX furnished them with incomplete and inaccurate information. XXXX the attached documentation which was sent to each of the aforementioned banks. They detail inaccurate information we were given at he time of hurricane XXXX. The incorrect information was relied upon to make financial decisions we would not have otherwise made. We wrote to each individual bank and have escalated it to the highest level and have filed complaints with the XXXX XXXX XXXX. We have also filed complaints on-line and made telephone calls directly to each of the credit bureaus. We stated that the information reported by the banks was inaccurate inasmuch as it does not reflect the entire circumstances of events fairly. IT DOES N'T TELL THE WHOLE STORY. This is a violation of our rights under the, " fair credit reporting act. '' During hurricane XXXX both XXXX and XXXX XXXX verbally authorized via the customer service department a Disaster XXXX program and/or moratorium of mortgage payments. At that time, neither bank fully disclosed how the waived payments would be repaid. We were told by both institutions that the missed payments would be added to the end of the loan. Both institutions told us after we had already taken part in the moratorium of mortgage payments that they must be paid in full at he end of the waived period. XXXX involvement is limited to having bought the loan from XXXX and has continued to report us late to the credit bureaus. However, since XXXX took over our loan in XXXX 2014 we have not missed or been late with a mortgage payment. Furthermore, if you research the history of loans with XXXX and XXXX XXXX, you will find that we have never been late or missed a payment and we are not in any foreclosure proceedings. However, the past reporting which still remains on our credit report has caused irreparable damage to our credit scores, my employment and our quality of life in general.
American Express close my credit card account without send any notification. This is going to damage my credit history, never I authorized to cancel my account. 
Today I call to check my account but nobody give me answer and then hang up the phone while I spoke. I need to restore my account and my credit history. 

Thanks.
Regarding Complaint # XXXX Unresolved Capital One did not resolve my issues nor did they address all of the issues. There were at least three ( 3 ) different conversations with their non-English Speaking Fraud Dept and their response does not accurately address any of these conversations. They do not even address the lies told to me by their Fraud Dept nor does their response address the fact that their Fraud Dept stated in the conversation to me that the application process was not over and they did n't know why the card was send out. 

Unresolved 1 ) They did not void the application as requested and Capital One stating that it is not possible to do so is not true. They are dishonest ... .. just as their Fraud Dept was dishonest with me. 
2 ) They did not address the initial conversation with their customer service where they insisted that the card had been used prior to me receiving it. 
3 ) They did not address the initial conversation with their customer service where they told me the card could not be used. 
4 ) They did not address the initial conversation with their customer service where they accused me of not being who I said I was. 
5 ) They did not address the conversation with their customer service where they emphatically told me ( on their recorded line ) that the application process was not completed and they do n't know why the card was sent out. Per your Fraud Dept, there was not a completed account set up. So, this application can be voided. So, who is telling the truth, your Fraud Dept or you? 
Capital One has dinged my credit, accused me of fraud and now refuses to do what is right. " VOID THE APPLICATION '' and let 's move on with life. 

XXXX XXXX XXXX
On XX/XX/2017, XXXX XXXX reported a negative trade line to my credit report without sending any verification relating to particulars in the amount of {$30000.00}. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 ) they must have a post judgement from a court of competent jurisdiction or 2 ) prior consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York General Business Law Section 349 - Deceptive Acts, Section 380S - Identity Theft and title 15 U.S.C. Section 1632 - Form of Disclosure ( 2 ) Creditor to provide contracts to the Bureau. As defined under title 18 U.S.C. Section 1030 - Access Device. The reporting agency did not follow laws under title 15 U.S.C. 1681S-2 ( a ) - Duty of Furnishers of Information to Provide Accurate Information.
I submitted a loan application with Regions Bank on XX/XX/XXXX. I was told everything was approved and they were just waiting on my payoff letter. I submitted that and we closed on XX/XX/XXXX with no mention from anyone that there was a difference in the loan amount and what payoff was. I signed under the impression everything was fine. On XX/XX/XXXX I received a letter from XXXX stating the payoff was short {$1600.00}. I pulled out my loan docs and the docs show the payoff amount being sent to XXXX  as correct but my loan is a different amount. They did not mail the correct amount to XXXX  and why is my loan amount different? My daughter reported the error to XXXX XXXX with Regions Bank in XXXX, the same day, XX/XX/XXXX and she stated the loan would have to be rekeyed and credit pulled again. I know XXXX and honestly believe thats what the underwriters at Regions told her. She would have fixed it if there was a way. I was not okay with them pulling my credit again when it was their error. My daughter then reached out to XXXX XXXX, Operations Mgr, who told my daughter that the branch mgr would call me on XX/XX/XXXX or XX/XX/XXXX at the latest with my options and I have yet to hear anything from them on how they are going to fix their error.
I purchased a WU Money Order for {$75.00} to make a payment to my at a XXXX gas station ) located on XXXX XXXX XXXX XXXX XXXX, XXXX GA ) to make a payment to XXXX Apartments in GA. The money order was returned by their banking institution and a return fee of {$75.00}. Now I am out {$150.00} as I had to pay this to XXXX Apartments ( GA ).
I have signed a contract stating that, the seller of the property I am buying can refuse unreasonable offers, over the specified monthly payment. I have placed my home on the market and am in escrow. I have been told, as well as the title company that the home ca n't be sold, if she refuses. The reasoning is due to taxes that would have to be paid for capital gains. I have consulted an attorney - been advised that this is very close to crossing lines, since the seller is an attorney who is selling homes, loans money, etc. Multiple emails have been sent to the seller, with no response ; until pay off information was requested by title company. I was told that if she knew I was going to end up selling, she would have charged me more to buy the house. I had previously requested a home equity loan, and was given a XXXX separate loan, so I am now paying additional interest on the home. Apparently, because this person does n't want to pay additional taxes, I am not able to sell my home, obtain my equity so I can move on in my life. She is expecting all of the people who are under contract with her company to stay in their for 30 years at a high interest rate, rent the home out, have someone assume their loan, or give the property back, so that it can be resold at a higher rate. The homes are as is, I have found out that there is an oil tank in my back yard that has not been decommissioned, and the house is over XXXX XXXX XXXX, so I am not the first buyer of this property. Also, I have recently found out that paperwork has not been filed, showing proof that I am currently purchasing the property. When I did have someone who was interested in assuming my loan, the current seller wanted to charge me {$350.00} to file the paperwork. According to the title company, nothing has been filed on my home purchase and I have lived in the house, paying taxes for the past 5 years. The list goes on and on.
This company has been calling me and all my Family members. Impersonating lawyers, and threatening to sue, aggrevating, and harrasing.
I would like to submit a formal complaint about Nationstar Mortgage LLC. I have been attempting to work with them for the past several months to bring my account current. They are unwilling to help or assist in anyway. I made a double payment on XX/XX/2017 only to have it refused and sent back. I contacted Nationstar and was told my house was set to foreclose and go up for auction XX/XX/2017 and I could no longer make payments unless it was in full. I was never notified of any foreclosure and certainly never notified of an auction date. I immediately engaged a non-profit, XXXX specializing in these matters and supplied them with all the info and documents required to work out a repayment. They never heard back from Nationstar and neither did I. In a state of panic I listed my home for sale and received a contract within a few days. The contract and sellers agreement was given to Nationstar and also to XXXX. I got confirmation that they did in fact receive it twice by both parties. Still Nationstar did nothing to postpone the auction or provide me with any formal communication of postponement. My closing was scheduled for XX/XX/XXXX and Nationstar still would not communicate with me nor the non-profit helping me, only to say " you have to wire payment in full to stop the XX/XX/XXXX auction. '' Title search was completed by closing attorneys and they could not find any evidence that the house was in foreclosure and set for auction. To this day I still have not received and formal notification from Nationstar telling me my house is in foreclosure and set for auction. I only found out verbally in XX/XX/2017 because I called them about the returned payment. I am in shock that they could act this way and just take my home without any notice and a refusal to work with me or the non-profit I engaged for help. I have googled my address and some sites indicate that my house is set for Auction on XX/XX/XXXX even though I have a binding sale in process. Nationstar has ruined my credit, tried and still are trying to take my home but will not put anything formal in writing. They are horrible!!!. In light of their what I believe to be illegal actions, my realtor, buyer, and closing Attorney managed to pull off a miracle and closed my home on XX/XX/2017. Insult to injury, Nationstar would not provide a pay-off for my home to the closing attorney nor would the attorneys representing Nationstar. I fortunately had requested a pay off statement on my own and that is what we used to close with. Included in the closing statement are a bunch of erroneous charges that the closing attorney questioned, one was for {$45000.00} just listed as Lender Paid Expenses. What is this? I can never get any answers or explanations or even the same person on the phone when I call Nationstar. Please help! I am afraid that even though my house has been sold and I have confirmation that they received the wire of all funds paying off the loan, That they will still put it up for Auction on XX/XX/XXXX. I ca n't let that happen to the new homeowners. I am begging for help here ... I have never received any notice of sale or order setting sale.
On XXXX XXXX, XXXX I applied online for a XXXX XXXX XXXX On that same day XXXX XXXX did a hard inquiry on my XXXX credit report. On XXXX XXXX, I received a letter from XXXX dated XXXX XXXX stating that because of a security freeze on my XXXX report that my application would not be processed. I had also received a letter from XXXX stating the security freeze had been lifted from XXXX XXXX XXXX XXXX, XXXX that allowed XXXX access to the report. XXXX says they never accessed my report, but the inquiry is on my XXXX report and will only consider my application if I allow another hard inquiry. XXXX will not let me dispute the hard inquiry because XXXX looked did run a credit check and will not remove it. XXXX will not remove it because the bank says it never ran it. So this inquiry will affect my credit score for the next two years and I got no benefit from it.
On XX/XX/XXXX I logged into my paypal account. I added an XXXX XXXX card and selected it as my primary form and default form of payment. I then sent my brother in law a gift on {$1200.00}. On XX/XX/XXXX in notice a insufficient fund fee to my bank account for {$29.00}. Paypal had switched my primary  payment from my XXXX XXXX card back to my bank account. I searched the paypal website for a method of stopping the payment, but could find no method. On XX/XX/XXXX I called paypal at ( XXXX ) XXXX and asked to switch the payment method back to XXXX XXXX card and stop from trying to withdraw from my bank account. The representative provided she could not stop the process and that they would try to withdraw funds from my bank account again. Once that was completed they would withdraw from my XXXX XXXX card. The representative stated she could see I had the XXXX XXXX set as my primary payment card when I submitted the payment and would send me a letter to provide to my bank to remove the fees. On XX/XX/XXXX they tried to withdraw the money again from my bank account resulting in another {$29.00} dollar fee. They billed my XXXX card instead of my XXXX XXXX. To date I have not received the letter the paypal rep stated was being sent. The process of sending a payment with paypal is absurd. It should be illegal for them not stopping the second withdraw against my bank account as per my request.
I 've called Transunion when I attempted to get a credit card and due to my name being similar to another individual down in a different city in the same state, they confused me with this person. I have no credit history but I was able to pull a  XXXX  thanks to this other individual. Furthermore, I ordered a credit card and I 'm most certain am believing my purchases and score is   helping the other person and not me. Only through Transunion am I having this problem.
I called again to get my record cleared and they kept telling me to print out a copy of my SSN and ship it to the address, which is absurd to provide something so precious and delicate into a mailbox that can be intercepted without any consent and will not try to sort this out over the phone.
To add insult to injury, I was starting at high school, this other individual had a time share loan taken out and this is n't enough to explain this account is not mine. And only through Transunion does it enter as   XXXX   XXXX   XXXX   comes out clean.       And thanks to checking Transunion, I 'm getting letters from collection agencies for debt that is n't mine and if it get thrown to court, and arrested, I will have to respond back in a defamation case and ask for payment.
This company did not give me adequate written notice to pay debt prior to reporting to my credit report. I have not lived at the address they have been contacting for the last 18 months. I never received mail notification.
I received a call from Someone named XXXX XXXX claiming to be a representative of the state, and that she needed to verify who I was so she could bring me a subpoena. She kept calling after I told her not to as well as calling a friend who I was in the XXXX with over 20 years ago, and other people from my past. I asked where her office was and she did not provide any information. I check my credit report on a weekly basis, so I know this was an unusual attempt to gain information from me. I called the XXXX number that they gave my friend and it was Midland Corporation. I looked them up to find that they have thousands of complaints against them. I have no dealings with this company, so I need them to stop trying to interrupt my life. I want them to cease and desist all attempts of communication, I do n't know them or owe them anything. here is the number XXXX