WillisBack/dataset-financial-user-claim huggingface dataset:
I regularly transfer funds into my Wells Fargo checking account, from my primary savings institution, which is a Credit Union. The last transfer I initiated was a next business day delivery, which I sometimes choose. Funds were ordered on XXXX/XXXX/2015 and should have been credited on XXXX/XXXX/2015. I have initiated these transfers, well over a XXXX times in the past, both XXXX business day and XXXX business day requests, with no issues. The most recent transfer in question, was not credited until the XXXX business day, instead of the next business day, as was requested. As a result, my account was debited on XXXX with outstanding checks, and my account was placed into overdraft, which I have protection for. The deficit was covered through funds in an associated savings account. In addition, an overdraft fee was charged. If the entire amount of the funds transfer from my Credit Union account had been credited on XXXX/XXXX/2015, as should have occurred, the account would have not have been in danger of overdraft. I contacted Wells Fargo customer service, requesting they reverse the overdraft fee. The representative on the phone refused, at first, but reacting to my repeated request to reverse this erroneous charge, offered to credit 25 % of the overdraft charge?? I declined the offer and requested to speak with a supervisor. I was connected to XXXX XXXX in the Texas call center. I reiterated my account of what happened, resulting in not only the same 25 % offer, but in addition, she tried to place responsibility on the Credit Union which sent the funds. After repeated requests to reverse the entire overdraft fee, I was again offered the 25 % refund. I declined and ended the conversation. I have checked with my Credit Union and they contend that nothing out of the ordinary occurred with my transfer request. As mentioned before, I have engaged in this same type of transfer over a XXXX times, with no prior issue. Additionally, in the XXXX years since I 've had these accounts at Wells Fargo, an overdraft has never occurred. This is simply a case of Wells Fargo getting an additional day of float on the funds transferred into the account, as well as, a spurious opportunity to charge an illicit fee ... .very simply, a fee grab by XXXX of the XXXX largest banking institutions in the country, involving a relatively small customer who has several accounts with them. The primary reason for my relationship, is because they acquired my accounts subsequent to a takeover of a regional bank, which had very exemplary customer service, and I 've remained with them as a convenient way to pay my mortgage. A resolution to this issue I 'm reporting would be to very simply, refund the entire amount of, what I believe is, an invalid fee which was charged because of Wells Fargo 's own inefficiency.
what happened is Ditech, green tree and XXXX has totally screwed up my mortgage since I was in bankruptcy I paid my regular payment in my bankruptcy plus added funds that I was behind and escrow account balances for a XXXX long year period now ditech who you never get to speak to the same person ever keeps telling me that my escrow is always behind and at a {$0.00} amount but I have continued making payments since being out of bankruptcy and even when federally discharged by the federal bankruptcy courts I was paying a higher monthly mortgage payment because that was what the trustee courts of XXXX was paying out then I was informed that {$1.00} was being applied to my escrow because that was an overpayment but yet I was never contacted these companies have to many outlets to throw the consumer off especialy when being XXXX and trying to make ends meet. I guess I am going to have to find an attorney who will work on contingency because I believe ditech, XXXX and bank of XXXX are committing fraud especially on my mortgage none of the numbers add up you never get the same answers from anyone from any of these companies. I believe that ditech needs to acquire a loan for me with an interest rate around what the rates are listed today. Not something they make up and then change their minds, also they keep sending docs with credit reports listing someone else 's credit card I have no credit cards I just got out of bankruptcy last XX/XX/2016 and then discharged XX/XX/2016. I was trying to get cash back but then was informed not available only harp loan available but yet they are slamming me with a XXXX % interest I am currently at XXXX % how is that going to help the bottom line. Because what I read the harp fannie mae they have to give you the going rate of interest which today I believe is XXXX % but yet I am being gaslighted once again this is crazy. So since all of this mess up they need to give me the refinance loan with an interest rate around 3.87 % that is my desired resolution
This is regarding the Equifax hack. I just checked my credit score and it is down XXXX points. I am actively trying to repair my credit in the hopes of buying a house soon. This will set me back and I am not pleased.
Called IC Systems and spoke to XXXX XXXX. Explained that a debt had been reported to my credit bureau incorrectly.I explained I wanted the debt removed from my credit bureau due to me not being responsible for this debt. He told me he could not remove it, he said his client XXXX XXXX is who he is collecting on behalf of. He advised the only way to remove a debt was for the debt to be XXXX XXXX   out. Said he would send his client a letter to validate who the responsible party was for this debt, but could not remove any information until he heard back. When asked how long before I would hear back, he explained he didn't know. Then told me to call them back in a couple of weeks if I didn't hear from them or if I hadn't received any correspondence from their client, who was the original creditor. I asked why i had to wait, since I was not the one that owed them any money. He didn't know.
First, I want to say that the online information regarding student loans and loan forgiveness in general as well as on the FedLoan website is incredibly confusing and difficult to follow. For this reason I have called FedLoan Servicing to clarify things on multiple occasions, and I feel like each time I receive different information. So to be honest, I never have felt confident that I am doing the right thing, submitting the correct forms at the right times, etc., and at times the people I have talked to there do n't seem to know either. 
Currently, my major issue for which I want to file a complaint is that they are now telling me I am overdue to repay my loan. This has not happened to me before, and I do not want my credit rating affected by this frustrating company. 

The backstory : I have applied to FedLoan Servicing multiple times for the Teacher Loan Forgiveness Forbearance. I was repeatedly denied this forbearance for the reason that my loan was not yet in repayment. ( Yes, someone who was on top of taking care of her debts was denied the ability to do so in a timely manner. ) So I re-applied through their website/my account XX/XX/XXXX, once it appeared that my loan was in repayment. They did not send a digital response accepting or denying my application this time, as they had with all my other attempts. Two weeks later, they sent a hard copy letter in the regular mail, again denying my application because apparently I had inadvertently left off the state and zip info for my school. First, I think it 's impossible that I actually left that info off because their online system would n't have let me submit it with information missing. Second, they included a hard copy of a new application, which I dutifully filled out and mailed back. Needless to say, all this cross-country regular mail takes time, but remember, they would n't let me take care of this ahead of time ; my loan had to already be in " repayment '' before they would consider my application. Now they are claiming that my first monthly payment is past due. 

Their lack of electronic communication in this last application, along with all the denials for reasons of applying TOO EARLY, truly make me believe that this company intentionally caused my loan to go into payment and then be late on the first payment for the sake of making more money off me. I honestly ca n't think of another explanation for why they would n't let me apply for the forbearance earlier and then why they neglected to send a digital ( and therefore fast ) letter stating that there was info missing from my application. 
( Oh, and I immediately tried to call to remedy this situation the moment I received notice that my payment was past due. Their phone number is not working. Of course. )
My name is XXXX XXXX XXXX ( not XXXX ), I have NEVER lived in XXXX, XXXX, and my current employer for the last 9 1/2 years is NOT XXXX, obviously since I have lived in XXXX for 9 1/2 years, my current job for the last 9 1/2 yrs is XXXX XXXX, where I have maintained a job in this same profession for over 20 yrs.
XXXX   XXXX  of  XXXX   XXXX  in arizona is creating LLCs with lenders to work around respa violations. Investigate him
My issue has been going on since XX/XX/2018. The call center reps at Navient have no idea what each other are doing. No information gets passed on and you're constantly having to retell your situation, only to be passed on to someone else and start over. No one there provides solutions to the problems and they NEVER follow up with you. It's ALWAYS been me having to chase them up. The only correspondence I've gotten from them are the incessant emails about my account being due for payment. I live overseas and have been paying my student loans on time, each month via my XXXX debit card that's linked to my foreign bank CHECKING account. As of the new year XXXX 2018 ) Navent has said that the Department of Education identifies foreign debit cards as credit cards, which they can not accept as payment. I've insisted that my debit card is in face a DEBIT card and not a credit card more times than I care to count. I don't even own a foreign credit card!! So one of there reps, XXXX XXXX ( a customer advocate, what a joke ) sends a generic email explaining that I need my overseas bank to certify my card as a debit card and to upload the letter as well as the first 6 digits of my debit card onto my Navient account. I got a letter describing EXACTLY what sort of card I have ( a XXXX XXXX linked only to my checking account ) with the bank 's official seal stamped on it AND a photo copy of my card. I rang a couple weeks later to see if anyone had began to action his and the rep had no idea what I was talking about. I've rang and emailed XXXX about 8 times in the last 6 weeks and have absolutely zero response back from her. In fact, I conveniently get her voicemail EVERY time I ring her. I am living overseas in another country, making every effort possible to make timely payments on my student loans and Navient has made this process so miserable I fee like giving up all together. No one is there to help. They're there to get their 8 hours of work in and leave. I'm so sick of having to be the one chasing them up and bending to their rules. I pride myself as being one of  the borrowers making a conscious effort to do right by my debt, but Navient has made it all but impossible. How am I meant to pay with my overseas debit card if Navient doesn't allow it? I hope the complaint gets received by the proper channels and authorities. The higher ups are lacking when it comes to procedures for overseas borrowers and how to help them make payments.
Ocwen has not properly reviewed as my loan modification. The form was filled out XXXX XXXX, 2016 and my Attorney or myself has had no response from Ocwen
This occurred on XX/XX/2018 and XX/XX/2018. These annoying and mundane calls were from XXXX XXXX, XXXX XXXX XXXX XXXX Credit Card. I apparently had forgotten to pay a bill, which I never received. Upon finally realizing this, I paid the bill in the amount they asked me to. Apparently, I forgot to pay a mere {$17.00} of an overcharge. This was never communicated to me. One would think the world was coming to an end & I was delinquent thousands of dollars. They consistently and continuously harassed me by calling my cell phone during work hours at a minimum of 6 times! I had unknown numbers calling me ; numbers from Kansas ; numbers from Ohio. I paid the {$17.00} as soon as I received notice of it ... and they STILL proceeded to call me two times. This is blatant harassment over {$17.00}! I am at work trying to make a living and I am receiving these annoying phone calls to my cell phone ( I use my personal cell phone for work purposes ). It was ridiculous.
This is not the first time I have bern hit with overdraft fees by TD Bank despite making a deposit before an item cleared my account but I will stick to the most recent. Yesterday, I had a positive checking balance of {$38.00}. My monthly check was ( is ) late to arrive again so knowing my car payment was due to I deposited a personal check for {$250.00} by mobile deposit at XXXX XXXX XXXX/XXXX/17 before my car payment posted. My car payment of {$240.00} posted today XXXX/XXXX/17 and my account balance is - {$200.00}. Per TD Bank, my deposit the date before my car payment posted does not count ( and is not even showing online in my pending items despite being a personal check. ) Per TD Bank, I will still be responsible for overdrafting and fees. XXXX XXXX XXXX.
I have a loan with Ocwen for my home, it was sold to them by GMAC, it is a FHA loan. Besides them being a repulsive company, I lost my job in XXXX 2015, I am a single mom, so I filed for assistance right away and it is now end of 2015 and I am still battling Owen. I have the FHA involved, I filed with the Attorney General office and still I am dealing with these losers. I have endless documents I can flex your office but in short- there is a Special Forbearance FHA program for those that lost their job, Owen denied me??? I have demanded a response to that and still nothing, Ocwen said I did not qualify because I did not have unemployment benefits- well I did and they have that proof!!! They completely ignore me. They made me do a modification packet, I am working again but behind on everything because I had to borrow money to make my payments when I was unemployed. Its a mess and the longer Owen drags it out the worse it gets. Bottom line, I should have received assistance when I was unemployed and second I should have had a modification by now. Owen continues to ask for documents I have already sent, XXXX or XXXX times! I work with their Ombudsman office now and they fax documents to the underwriters for me. They can see my documents but the reps in the Ombudsman office tell me they are not getting uploaded to the underwriters. Really! Then when the underwriter have everything they then send a letter saying now it is outdated and want new stuff. This is sickening, I am losing my mind and stressed bother tactics and I feel for those that do n't know how to challenge Owen. Please assist me ASAP. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, co XXXX
I have a mortgage with M & T bank on my home that I have lived in since 2009. We received several marketing letters from M & T bank via XXXX regarding possibly refincing our loan to get a lower interest rate and payment. I called to inquire about this and was told by the loan officer I was working with that I should be able to refinance my loan and save at least XXXX per month depending on what our house appraised for. They took a payment from me of XXXX including XXXX for the appraisal and XXXX for an application fee. They hired an appraiser who came out and did an appraisal that their underwriter " rejected ''. I was never notified that the appraisal was rejected. XXXX said that she called my cell phone XXXX. that is not true there were NO missed calls for VM from her or anyone else that week. She also said that I was mailed a letter, I never received it. I asked about getting any of my money back and was told I could not. They ended up telling me they could not offer to refinance my property. I feel like they just stole XXXX from me by taking an application fee that they never intended to do anything with and XXXX for a worthless appraisal.
Hunter Warfield has caused me much anguish by reporting an invalid debt to the credit bureaus. Hunter Warfield occasionally removes and then re-inserts this invalid debt in order to illegally re-age this erroneous account. Hunter Warfield is reporting this item as an OPEN account. I never received notice of this debt from Hunter Warfield. I applied for a home loan and was denied due to this criminal act by Hunter Warfield. Hunter Warfield is claiming that I owe them {$3100.00} on a debt with an account number of XXXX. I have disputed this account with the credit bureaus and XXXXunter Warfield. My first debt validation letter was sent to Hunter Warfield on XXXX/XXXX/XXXX Tracking number : XXXX XXXX XXXX XXXX XXXX, I received a response back from a XXXX XXXX advising me that a contract with my signature stating that I owe them the debt was enclosed in the envelope. It was not enclosed in the envelope. This was just another XXXX of their deceptive tactics. They did not enclose a contract with my signature on it because it does not exist. I then sent Hunter Warfield a second request on XXXX/XXXX/XXXX Tracking number : XXXX XXXX XXXX XXXX XXXX, requesting that they provide me with proof that this debt belongs to me, but I never received a response back from the company and they failed to notify the credit bureaus that I was disputing this frivolous account. After several failed attempts with disputing this account with Hunter Warfield, I decided to dispute the account once again with the credit bureaus. I sent a certified letter to the credit bureaus requesting that they re-investigate this erroneous account and that they provide me with proof that this account belongs to me. I then received notification that my dispute was updated by the credit bureaus but the account for Hunter Warfield is still being listed on my credit file. This is a direct violation of FDCPA, FCRA and OCPA. This wrongful reporting has not only negatively impacted my life ; it has also had a negative effect on my family as well. I request the immediate removal of this account from all credit reporting agencies whom has been notified.
Well onXX/XX/XXXX to bank of America customer service to talk about putting a stop payment on a future transaction. My wife was told that the stop payment fee would not be taken out of our account unless the company would try to present the transaction. As it was not an agreed amount by the company.my wife agreed to have the stop payment put in place with being told it would not be taken out of our account unless it was presented as our account only had XXXX dollars in it also was not informed that the stop payment could not be stopped and then the bank takes out the {$30.00} non stop payment putting us into overdraft. We called customer service on XX/XX/XXXX at around XXXX XXXX  to be told it could not be reversed and that since my wife agreed to the stop payment even though was told that it not be taken out right away was mislead by the bank and then the supervisor gets on the line saying I need to talk professional to her as she was not listening to me jerking me around. And then refuses to talk to me saying I am not being professional then hangs up on me talk about not being professional and do not appreciate being mislead and hung up on been a customer since XX/XX/XXXXincluding time I was in Missouri to be treated this way and totally being mislead and then saying if its not in the positive by midnight another XXXX fee be added very unacetable and not right misleading us and us agreeing to the terms presented to us then to have them changed on us talk about not being professional then saying another XXXX dollars be added if not in positive before midnight. Talk about very poor customer service and do not like being mislead and lied to.
My credit report continue to show incorrect and false information for me. My credit was used previously in the past fraudulently and I want to prevent this from ever happening again. I have been trying to have my name and address corrected on my XXXX and XXXX credit report but the incorrect information still remains.
My unofficial credit reporting application XXXX  shows that my student loan was listed as delinquent in XXXX on the XXXX. It was immediately thereafter listed current on XX/XX/XXXX. 

I am on an income driven plan and due to issues with the recertification plan, it shows that I missed payments. 

None were actually missed, once all issues were resolved with the loan group, and I would like to see that removed.
National recovery has Reinserted a previously deleted information. It was n't accurate in the first place, but now Its back on after being deleted 2 years ago!. Please help
I have been receiving repeated calls at my residence telephone of XXXX from the following companies : Synchrony Bank XXXX, XXXX XXXX XXXX and a collector from XXXX that are looking for an XXXX XXXX or XXXX XXXX XXXX. 
I have told them repeated times that I do not know any of these people and to stop calling. However, they continue to call. I ask your office 's assistance in having these companies verify those numbers that are called attempting to collect a debt and not just simply call random numbers ( that stay on their lists and are called constantly ). Please assist with this annoying problem. Thank you.
I have asked three times for my loan payment option to be switched to the revised income based plan. They have told me every time that it will go into effect the next month but it never changes. I have all of the messages saved. This month the payment was even higher. It jumped to {$270.00}! I ca n't afford for them to keep doing this to me. If it is n't lowered like iced asked multiple times I am going to have to defiant on my loans and I do n't want to do that.
I CA N'T STOP RECEIVING MAIL FROM GM FINANCIAL ASKING THEM TO PAY A DEBT.
I am an infrequent user of PayPal. I only use their services when it is the only option provided by the merchant. As an extremely casual user, I would never intend to sign up for a PayPal Credit Card. However, it appears that I inadvertently opened a PayPal Credit Card in XXXX of 2015. Unbeknownst to me, this resulted in a hard inquiry to my credit score and it created confusion when I went to purchase a big ticket item last week. 

Last week, I thought I was using the normal PayPal service for an item that cost {$890.00}. When I received the {$890.00} invoice from PayPal Credit, I was extremely alarmed and furious. I immediately called the customer service number, closed the account and paid the remaining balance using my bank account. THIS WAS NOT HOW I WANTED TO PAY FOR SUCH A HUGE EXPENSE. This forced me to shuffle money between several accounts in order to free up enough funds to cover that large expense. My intention was to charge that item to my normal credit card, not be forced to pay for it right away from my bank account. In addition, I lost out on the credit credit reward points that would have been generated from that large purchase. 

I am not a careless consumer and I am not ignorant when it comes to reading the " fine print '' of an online purchase. The fact that I accidentally opened a PayPal Credit Card speaks to the disgusting and obvious predatory nature of this credit line. I am certain that there are people all over who charge items to PayPal Credit thinking it 's going on the credit card linked to their normal PayPal. These people most likely end up with massive late fees and penalties. What a disgrace. I 'm glad that I caught this early, but I am angry that I was hit with a hard inquiry and was forced to come up with {$890.00} on the spot to make this work. 

As a result, I will never use PayPal again. If PayPal is my only option, I will kindly let the merchant know how PayPal treats their customers and take my business elsewhere. PayPal Credit should be closed immediately. I look forward to the class action law suit against PayPal when more people realize that this unsolicited issuance of credit is extremely unethical.