WillisBack/dataset-financial-user-claim huggingface dataset:
I received a 15 month, 0 % promotional rate " Supercheck '' for my credit card from Wells Fargo in the mail. I placed a balance on the card for a large purchase around $ XXXX. A few months later I used the card to make several purchases and was informed ( on the phone by a Wells Fargo representative ) that I only needed to pay the minimum balance and the total amount for my purchases ( not including the XXXX percent portion ) in order to avoid any interest charges. I did this for a few months until I realized I had been receiving interest charges upwards of {$40.00} each. So I called up Wells Fargo again ( XXXX ) and spoke with a representative that also gave me incorrect information. In addition, I learned that my payments were being split up between the XXXX different balances in an unpredictable allocation percentage. One month could be XXXX, the next could be XXXX ( which was roughly the case ). In the meantime my purchases on the higher interest were growing exponentially ( and so was the interest ) because the allocation of my payments were going largely towards the 0 % interest loan. I was directed to speak with a supervisor ( XXXX ) whom informed me of this. After XXXX practically did nothing for me except drop the interest for 2 of the several months I was charged, he informed me that the only way I could avoid more interest would be to pay off the entire balance ( 0 % interest portion and the purchases ). The reason was because there was no way to tell how my next payment would be allocated. I was directed to speak with another supervisor, XXXX, who told me the same things and kept saying things that were completely irrelevant. After a while it seemed like she got the point that Wells Fargo was screwing me over. She promised to have her supervisor, Georgia, call me on Wednesday ( XXXX ) but I received no call. 

My major complaint here is about the Credit Card Act of 2009 that states in section 164 : '' ( b ) APPLICATION OF PAYMENTS. -- ( 1 ) IN GENERAL. -- Upon receipt of a payment from a cardholder, the card issuer shall apply amounts in excess of theminimum payment amount first to the card balance bearingthe highest rate of interest, and then to each successive balancebearing the next highest rate of interest, until the paymentis exhausted. " In addition, the terms listed on the Superchecks state : " Your minimum payments will be applied first to lower APR balances before higher ones. Payments in excess of the minimum payment will generally be applied to balances with higher APRs first ''. Now the " generally '' I assume applies to the general statement in the Credit Card Act because there is the exception in part ( 2 ) that refers to deferred interest balances in ending within two months. 

This is unacceptable customer service, deceiving, stealing, appears to be illegal, and mal-business practice. In addition to being held accountable for such, Wells Fargo should also be held accountable for the information representative give. 

Note : all my payments are on time and in excess of the minimum payment plus the purchases of that month.
I get calls all the time from random numbers around the country saying there is a complaint against me. Sometimes they are recordings and other times they are people throwing out scary words such as " garnish, affidavit, etc '' Now they are calling my wife and my mother-in-law and this is why I have submitted my complaint to you. 


The most recent numbers are : XXXX XXXX I am more than happy to help you catch them!
I was XXXX of those professionals hurt when the housing economy totally collapsed. I had purchased a very expensive XXXX XXXX XXXX XXXX pickup with diesel etc. Loan amount began at nearly XXXX. Payments were okay when I made XXXX per year. After losing the income after housing collapse, {$770.00} payments were very difficult but I struggled XXXX four years to get payments made. I was often far behind and always eventually caught up all payments when a job completed. ( I was now a self employed XXXX ). I was up to four months behind on several occasions, even offering to voluntarily surrender the truck. They always showed patience and eventually got all their money when a job would finish. I finally got paid down to the last XXXX payments ( around XXXX ) and explained to customer service/ collections that as soon as the next job finished I would bring it current. For the first time, i had about XXXX in postive equity in the truck. I certainly did not want to lose it now. I starting getting suspicious recently when collections would robo- call and I would try to answer and no live person would come on the line. After 3 weeks of rain delays I finally finished a job and was due to collect and be able to bring payments current. That night my truck was repo-ed from my driveway. Now, trying to speak to a live person and try to redeem my vehicle is impossible. Calls to redemption department at Ally always go to hold for 1-2 hours. Usually you will eventually be told to try again later. Meanwhile you get notices your car is going to auction, but you still ca n't get a live person. Once there was equity in my truck, they want the truck.,, not my payment.., This is blatantly unfair to have no way to talk to reasonable people! 
XXXX XXXXXXXXXXXX
My car was repossessed by Navy Federal Credit Union. The account was charged off. The information in regards to account was incorrect and the creditor did not send me any information about the sales of this vehicle. Under the State of California, Fair Credit Reporting Act and Federal Trade Commission the creditor did not provide me any information.
According to the statute of limitations in my state, this account should not appear on my credit report as they have been on there for 13 years. Please remove them from all three credit reports. Thank you!
I received a letter stating that I owed a debt and they sent me a copy of a request for garnishment. This debt does not exist. I informed them some time ago that this account is not a real debt. The letters stop coming for years until I received the garnishment request.
My husband and I were adversely affected by Hurricane Irma, and were also in the midst of leaving on a two week trip in early XXXX. We thought that we had scheduled our credit card payment to pay it off it full, as we do every month, and have done on this very card for over 20 years now. However, when we arrived back in the United States and were catching up on bills and emails onXX/XX/XXXX, we realized that the payment had not drafted from our account, so I logged into our account and saw that we had been charged a late fee ( {$25.00} ) and interest charge ( {$31.00} ) for that months charges. I immediately called Capital Ones customer service phone number and asked to have these charges removed, based on our stellar payment history, and for being a customer for over 2 decades. I was told that they could do a one time removal of the late fee but the interest charges could not be removed. I asked to  speak to a supervisor and was connected with XXXX, Capital One Employee ID XXXX. XXXX was extremely unhelpful and did not have any interest in our long history with Capital One, or the fact that we always pay on time and in full. We said at one point that if he couldnt resolve the fees that we would have to close the account. He immediately stated that he would close it right now, and my husband and I said that we dont want to close it right this minute as we need to make other arrangements as this is the only credit card my husband has. We were extremely frustrated and disappointed at the representatives attitude and lack of interest in keeping a good long term customer, but we needed to keep the card open until we had something else figured out. Neither of us expected when we called to discuss these charges to be cancelling the card, or having to deal with an attitude like that. On the morning ofXX/XX/XXXX, our first day back to work after being away, my husband went to use his card his ONLY credit card and realized that it had been cancelled without his knowing or consent. After work, my husband and I called Capital One to find out what had happened and to let them know about the extremely poor customer service we experienced two days prior and spoke with XXXX, Capital One Employee ID XXXX. XXXX acknowledged after putting us on an extended hold that our card had been cancelled without our consent or knowledge and said that she would not be able to get it reactivated for 7-10 days until their back office had time to process it. I declined for her to reactivate the card. I checked my account and apparently the representative did n't even process the refund of the {$31.00} that they had promised. Now we are left with fees, interest charges and no credit card after years of being good customers. Shame on Capital One and how they treat their customers!! We want our fees and interest refunded and an apology for how weve been treated by this huge American company who doesnt seem to care a bit about its customers.
I recently filed Complaint No. XXXX. The response received from PennyMac was inaccurate. The response suggested that I did not provide instructions as to how additional monies should be applied to my account. This statement is untrue. I have spoken with multiple representatives throughout the duration of my loan and it has been suggested that a code would be applied to my account. Furthermore, the representative who responded to Complaint No. XXXX also suggested that she would speak with her Billing department to ensure that all payment overages were applied to the principal mortgage balance. 

Notably, I recently remitted a payment and the overage in the amount of {$88.00} was not applied to the principal balance. Please review the attached screenshot for confirmation. This is becoming extremely annoying always having to follow-up and ensue that my payments are applied to my loan properly.
Credence Resource Management has been recently attempting to collect on a debt here and Florida where they do not currently have a license to do so. I first requesting validation of the debt and after researching creditor further, I learned that their license is inactive here in the state of Florida yet they continue to report this debt on my credit report. 

I 'm not sure how they obtained this information from XXXX, as I do not nor ever had an account from them, but to not even be legally authorize to attempt to collect this debt in the state of Florida is surprising to me.
Thank you for AGAIN taking time on this issue for me. 
There has been an ongoing review of the mistake made by OCWEN on my escrow balande owed. Although they have admitted the error and reduced the amount to put into the escrow account AND, although I neglected to send the money WITH THEIR LITTLE COUPON, they have NOT APPLIED THE {$3500.00} as requested to the ESCROW ACCOUNT ONLY. At this time, they are sending me DELINQUENT NOTICES for my mortgage payments and have arranged for a company to call my home as they believe I 'm having problems PAYING MY MORTGAGE. I have paid each and every payment on time and early without fail. Since they reduced the amount to put to escrow to $ XXXX+/- and I HAVE PAID IT IN FULL with 2 pmts of $ XXXXea in XXXX and an additional of {$2500.00} in XXXX, they have not caught up with their own paperwork and show me delinquent! I appreciate all the assistance and contacts you have made for me during this time. I have asked them to ACKNOWLEDGE THE {$3500.00} paid to the escrow ONLY as noted on my checks and they are not doing so and also I asked for a review of the payments to continue with and get double talk responses in the mail and email. 
1. They wanted $ XXXX+/- for the escrow balance and THEY RECEIVED IT 2. They will not respond with acknowledgement that the money WAS INDEED RECEIVED nor give me the amount they would like to adjust my payments to from XXXX IF ANY is required since the {$3500.00} paid already. 
I continue to pay the original amount XXXX and am now receiving the new DELINQUENT NOTIFICATION. It seems that they can not address the challenges THEY created in a timely fashion and I am suffering with possible credit score issues and always the possibility of losing my home when I HAVE PAID CONSISTENTLY and given them the adjusted amount they determined ( {$3500.00} ) after knowing that the nearly {$30000.00} they were looking for originally was NOT VALID! Please request that I get JUST THE INFORMATION I NEED and that they adjust THEIR RECORDS to acknowledge all they have asked me for is COMPLETE and what amount I should be paying on my monthly payment. The new amount they are looking for is around {$5000.00} for no reason but that they can not adjust their own records to make good. 
Thank you AGAIN for getting involved. I wish you could force them to DO THEIR WORK and fix this for me since it is THEIR ERROR and not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, IL XXXX Loan number XXXX
I allowed my son 's girlfriend to use my social number to get her vehicle fixed. She got a loan from  XXXX   XXXX  and took out a loan for  XXXX  and said she would pay it back.   XXXX   XXXX   will not give me any paper work on this account and they said they are a paperless company and will not send out paper work, I have no paper on this loan. Do not know what was done to her vehicle or what the amount of the repair cost.
Purchased a used car ( 2 yrs old ) with down payment and monthly payments of {$230.00}. About halfway through the loan, I made a payment of {$3500.00} and was told I didn't have a payment due, at that point, for over a year - approximately 15 months. The month after I paid the {$3500.00} ( that I thought included payment of the financing charges and principle ) I started paying {$150.00} for the next 7 months then lesser amounts of about {$80.00} for the next 3 months. 

Here is the issue, for all of the payments I made of {$150.00} and {$80.00} during the months that no payment was due, the bank still deducted finance charges from those payments. As stated above, the {$3500.00} payment covered 15 months of all charges, yet I was still charged finance charges on the additional payments. 

My question is were those finance charges on the lesser payments legal.
I recently sent an online secure message to Capital One asking if they can lower the interest rate on a XXXX because they approved another XXXX with a much lower interest rate. I also inquired why they gave me such a low credit limit, considering they approved me for a new XXXX with a low interest rate and high credit limit. They refuse to respond in writing, and only respond via online secure messaging trying to get me to call in. I asked for the matter to be escalated to the corporate office for written response, and instead, someone left a voicemail message. I am NOT calling them back. I have the legal right to insist all communications with banks and credit card companies be in writing via online secure messaging. So then, I went online to activate the new XXXX card, and they 've blocked it, as I 've received an account restricted message. I 've already warned them that I would file a CFPB complaint if they continue to fail to respond in writing, but now that they 've restricted my new XXXX account, I 'm filing this complaint, as clearly, that is an act of retaliation. If CFPB fails to appropriately address this matter, and instead, simply sends me Capital One 's response, then considers the matter closed, I will report this to my Congressman, as well as post it on the Internet, as clearly, that indicates CFPB is just a " dummy '' agency created for the sole purpose of keeping the OCC from having to handle consumer complaints.
My complaint is that the representative for XXXX XXXX XXXX continues to repeatedly call my employer numerous times. Calling right back after they hang up. I have told them that I work for a school district and my employer does not approve of such calls. The representatives name is XXXX. His number is XXXX. He has started getting rude with the secretaries at the school. I tried talking with them but they could n't give me a date of when this supposed loan went through not the name of the company. They will only tell me that it is XXXX XXXX is a subsidiary of the company they are calling for. They could NOT produce any documentation that I had agreed to. They just said I owed {$720.00}. They will only provide the attachment I have sent. Anyone could have made this up.
This my second time disputing this collection item. I file for bankruptcy XX/XX/XXXX and discharge on XX/XX/XXXX. This item originally XXXX was included in my bankruptcy. They are reporting it wrong. I file a dispute again XX/XX/XXXX & they responded within a couple of hours by marking flagged account for collections. No, investigation? 

CREDIT CONTROL SERVICE has flagged your account as Collections. 
Accounts in Collections are accounts that are seriously overdue and have been turned over to a collection agency. These type of accounts may negatively impact your Credit Scores. 
ALERT DETAILS Alert Date XX/XX/XXXX Source XXXX Company CREDIT CONTROL SERVICE Address XXXX XXXX, MA XXXX Phone XXXX Activity Collection Department/Attorney/Agency Balance Date XX/XX/XXXX Balance {$130.00}
Re : Illegal credit card interest billing practices at Bank of America , N.A . 
To The Comptroller : On my XXXX XXXX, 2015 billing statement, I had an active dispute in process for {$340.00}. With the exception of this dispute, I had paid my previous month 's statement in full through Bank of America 's auto debit program. 
Bank of America illegally charged me a minimum interest charge of {$1.00} on the active dispute amount. They have since agreed to rescind the charge. 
I am writing to bring your attention to the illegal interest billing practices actively in Bank of America 's billing system. 
I am certain that numerous Bank of America customers have been illegally charged interest amounts on active dispute amounts. Bank of America should be investigated fully for this billing issue and prosecuted to the fullest extent of the law by the OCC and CFPB. 

Regards, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
I received the collection letter without any notice that I owe the debt to dispute and the debt is a charge off from XX/XX/2009, 8 years old and 1 year past reporting the credit reports and ability to collect.
I have a credit card with Synchrony Bank. It is XXXX XXXX   card. I received a letter that they have closed my account because they received information from XXXX XXXX stating my credit score had fallen. I did not owe any money on my card. I've always paid on time, and even paid before the promotional period ran out. If my credit score is so bad why did they leave the other accounts that I have with them open, ( XXXX  and Walmart )?? I didn't even apply for a credit limit increase or any new credit, so there would have been no reason for Synchrony to run my credit report anyway. I tried to call them and keep getting the run around. After reviewing the complaints that have been made by so many other consumers, I believe that Synchrony is working with XXXX XXXX  to lower consumers credit scores so that they can be charged extra money for interest rate.
On XX/XX/2018 I filed a fraud dispute with CHASE in the amount of {$9000.00} paid to XXXX XXXX XXXX on XX/XX/2018. 

I provided evidences showing the contract was part of a cross states fraudulent business conducts with deceptive sales techniques, overpromising, nondeliveries and hidden costs. According to law the contract is fraudulent and voidable. I contact the merchant of my complains, and ask for cancellation and refund, but get no response. I started the dispute with CHASE. 

CHASE denied my dispute petition and insisted that I should continue with the fraudulent based contract and continue with the not-yet-completed services. I was told they denied the dispute because the remaining service is available to use. 

But, in fact, the merchant never made the remaining services available to use and had never replied to any of my correspondence up till this day of XX/XX/2018 since the start of the dispute. 

From my perspective, CHASE credit card service had favored the fraudulent business entity, endorsed the deceptive business conduct, discriminated a small business account like mime.
I filled XXXX total complaints against a company claiming they are a law firm when XXXX of their " attorneys '' are registered in the Colorado bar database. The company is called XXXX XXXX " XXXX XXXX ''. I submitted the first complete because they kept billing me & kept deducting from my checking account {$99.00} per month. I canceled XX/XX/2016 and I was billed for the month of XX/XX/XXXX at the birth of XX/XX/XXXX totally {$200.00}. after I filed a complaint with the federal trade commission, they advised me to dispute all of the charges from the company as they did not what was in their contract promised to me as well did NOT provide me any PROOF OF SERVICE and could not report TO ME ANY ACTIVITY they have done in past XXXX months. When I signed up with the " credit repair '' company my XXXX score was XXXX. NOW, it has DROPPED TO XXXX!! I contacted ALL XXXX credit bureaus & they confirmed with me that NO ACTIVITY has been done and no dispute letters have been sent/received as I never did receive a letter from ANY of the XXXX bureaus in XXXX months. According to XXXX email I sent the company asking for progress or updates, I finally received a response from XXXX Law that they need a credit report in XX/XX/XXXX MONTHS later!!! Shortly after I contacted the Federal Credit Repair Act, I was advised to file a dispute with MY BANK & TO REPORT FRAUD. This is where my bank comes in. Key Bank! After filing XXXX disputes my bank WOULD NOT do anything to PROTECT ME AGAINST FRAUD nor issue me a provisional credit as these charges have caused me financial hardship. I am having to fight WITH MY BANK, KEY BANK and to having to LITERALLY beg my own bank to recover the money that was charged. MOST BANKS will issues the charges reported as fraud within XXXX hours. KEY BANK has done NOTHING to protect me as a consumer not the mention the XXXX complaints were filed XX/XX/XXXX XX/XX/XXXX. Still my bank as done NOTHING! The laws we published under the XXXX XXXX XXXX were clearly violated and " XXXX XXXX '' still will not provide me with ANY proof of service. As of now, I only have bank statements of the charge as XXXX XXXX has not answered ANY of my complaints.
I received a phone call this morning from naviant attempting to collect a payment on my student loans. They have been in default do to financial hardship this year which I have been in touch with them all along and they know each situation. They told me I needed to make a payment and they needed it now. I said I do n't have the money by I just lost my job they said you need to get the money whether it be a bank a credit card or XXXX paying it for me I said I have nothing and no one who can pay it. They told me to make phone calls and to put them on hold. I said there is no one I can call they became threatening and told me they were going to take action with out telling me what action, and that they needed me to get them their money. I said I could n't have it for them right now they said they were n't going to wait. This conversation took over a half hour in the morning after the day I lost my job. I am a good person but feel like they are making me out to be a criminal. I have no problem paying when I have the money but they hound me and make accusations and tell me they are going to take action I honestly scared. They asked me about my tax return witch I do n't want to give info on my taxes to anyone. I feel violated and harassed with the calls I get and the information they wanted to give them.