WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX/XXXX/XXXX I logged into my Wells Fargo account and saw that there was an overdue balance of {$27.00}. When I called, they said that they upgraded me to a XXXX XXXX card since I was a valued customer and that because of this upgrade, my payment increased to {$62.00}. They replied that I was suppose to " Opt out '' if I did not want this card. After much ado, they agreed that they would write off the {$27.00} and " downgrade '' my card but that I am still considered past due. I then asked if this would inpact my credit score and they said yes, it was possible. I did not charge anything and did not authorize an increase or upgrade. They should not be allowed to charge more money anytime they want and then say to the consumer that it is our job to " opt out ''. 

Why is a company allowed to upgrade me and charge me more money without my consent? This seems to be what got Wells Fargo in trouble to begin with. 

I have asked them to provide me with a letter so that I can send to the credit bureau since they said it most likely was reported as being a late payment. Someone is supposed to call me back from claims management. Ridiculous practice! 

Please review this practice.
This complaint is regarding the account XXXX   XXXX.After sending dispute letters to XXXX and Experian, it came back verified, I was extremely dismayed. The verification process must be flawed! How is it possible that they were able to verify the accounts when they can't even send me as to how they did their investigation? I have contacted the creditors asking them to validate but they did not prove documentation or response. CFPB please amp up and remove the accounts, I promise they have nothing to do with me
I sent money through Money Gram as I often do every month, on XXXX/XXXX/16 at XXXX. They put a hold on XXXX of my transactions. They said to call them back in an hour to see when the funds would be available. I have tried to get this resolved seven times calling them back and waiting on hold and not being given a reason for the hold. I had sent another separate transaction and there was no problem. They keep on telling me to call them back and they keep on saying they are e-mailing the department that puts things on hold. It is now XXXX/XXXX/16 and they are telling me the same thing. Now, I just want my money back and I will go to XXXX XXXX.
I responded to an on-line promotion by Regions Bank. There were problems that morning with Region 's web site, so I opened the account in a branch. A branch employee did not open my account correctly and now Regions Bank is not honoring the promotion.
XX/XX/2018 I spoke to a Bank of America specialist and was given my payoff balance with interest. I sent payment in the amount stated XX/XX/XXXX thru XX/XX/2018 Bank of America recorded multiple 30 and 60 day late payments for a balance of 1.50 left over from the payoff balance incorrectly given. The bank did not contact me and I did not receive a statement. I wasnt looking for one since I paid the stated payoff balance in full and had not used the account again. The bank closed the account and reported the account to all 3 agencies. Im requesting the negative information be removed and the account reopened - due to the banks error ( s ).
this showed up on my report and I have no idea where it came from. this should not be on my report as I am very careful with making and inquiries hard or soft. 

Institution Information CBCINNOVIS XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
I received a notice on XX/XX/XXXX stating that my account was past due for {$8.00}. this account was paid off in full in XX/XX/XXXX, and the account was closed. I called the number listed on the statement, but since I no longer had my card information, they were unable to help me and asked me to go into a branch. I went into the Downtown branch, but they were unable to help me and told me to call the number on the form I brought in. I explained that I already had, and they told me to resolve this issue in a branch.

No one at Bank of America has been able to help me, and I have no idea how there is a charge 4 months after this account was closed.
Ive sent my bankruptcy paperwork to Equifax and a current print out of my credit report. I have circled the issue items that should be removed from my Equifax credit record. XXXX has already removed everything off my record accept the bankruptcy. Equifax has everything they need to update my record. And has not done anuthing as of yet. Ive also made several phone calls to Equifax tryn to see why nothing is being done. And ill i keep getting is the run around. Ive done everything i have been told to do to take care of this issue. Why is Equifax so unwilling to correct my credit record? I have sent all of my paperwork to Equifax. And have proof.
I had a gym membership with the fitness club XXXX at XXXX XXXX XXXX in XXXX XXXX. I wanted to cancel my membership for an end date on XX/XX/2016. I understand that XXXX has a 30-day membership cancellation policy. I worked with a representative to process my cancellation in XX/XX/XXXX. However, on XX/XX/2016, I was charged {$160.00} on my credit card with American Express. I spoke with manager and representatives of the gym multiple times over the next week ( XX/XX/XXXX to XX/XX/XXXX ) regarding the cancellation. The manager said they did not have documentation of the cancellation and refused to remove the charge. I called my credit card company on XX/XX/2016 to file a charge dispute. My credit card company denied my dispute and cited the reason as the merchant refusing to return the {$160.00} because the merchant could not find the documentation for my cancellation, which is the reason the dispute was even happening. 

I feel this is a very unjust ruling against me with no protection for the consumer. Decisions regarding transactions are entirely with the merchant and the consumer has no protection if the merchant is at fault. I tried my best to resolve the issue and spoke with the merchant in XX/XX/XXXX in order to reverse the fee that was meant for XX/XX/XXXX. After the merchant denied my request, I spoke to my credit card company as quickly as possible. I did not use the membership at all for XX/XX/XXXX. I have tried to be timely in communicating with all parties and it feels like any merchant is able to charge me whatever amount they want with no way to fighting back.
The response to my complaint indicated that Equifax had previously removed the disputed item on two separate occasions from my credit file and now it has been added back  a 3rd time  under a different name. Please review your past files as you will see that you have already removed this same disputed item in the amount of {$640.00} under  XXXX  different creditors names in the past. The issue is they are selling the account and it keeps getting placed back into my credit file which is illegal since it was already disputed and removed twice.   This was Equifax 's response to the latest issue and the reason they do n't see the other names mentioned is because Equifax had already removed them from my file in the past. Equifax reinserted the same disputed item just under a different creditors name.  <P/> Dear  XXXX   XXXX , we received the complaint you submitted through the CFPB Portal. Equifax has reviewed the complaint and its records. Please be advised that all account data contained in your Equifax credit file is electronically reported and updated by the data furnisher. Equifax did not reinsert the accounts listed in the complaint. The following disputed items are not currently reporting on the Equifax credit file :   XXXX   XXXX   XXXX   FOR {$640.00} AND  XXXX . The disputed  XXXX   XXXX   XXXX  account number ending in  XXXX  has been verified as reporting correctly on the Equifax credit file with your name, current address and social security number. Adverse accounts will remain on the Equifax credit file for up to 7 years from the date of last activity or date of first delinquency. Written confirmation has been sent to you on  XX/XX/2017   . A complimentary copy of your credit file has been mailed on  XX/XX/2017   , please allow  7 to 10 business days for delivery. Please note that for future disputes of credit report information, you may visi t www.equifax.com
Best Buy/Citi Visa and their criminal partner " The Retail Equation '' [ edit ] Best Buy and a third party : " The Retail Equation '' have figured out a way ( all be it, only for the time being ) to stop hemorrhaging money by declining your return, thus stealing your money. Buyer beware! If you try out product and make too many returns, they will decline your return and ban you from returning any product for the period of 1 year. REGARDLESS if you have a receipt and are in the 15 day return window. Most people do not know this is happening until it 's too late and you are stuck with the product. Best Buy does not notify consumers of this fraudulent practice. It 's theft from consumers. Best Buy executives ( XXXX XXXX ) will tell you there 's nothing they can/will do. ( they CAN lift the ban ). Calling The Retail Equation will get you no further. You 'll get some, barely able to speak English, representative who simply regurgitates the same sentence. " There 's nothing we, our anyone higher than me can do '' Best Buy and their criminal partners are suffering great financial losses and will be out of business shortly. Next stop for them? Prison!
While checking my reports I noticed in the collections area an entry from Cach LLC opened XXXX XXXX for a debt that is not mines. I 've had no communication from this company concerning this unvalidated debt and I 'm sure there has to be a mistake.
I had a checking account it was alleged closed by the XXXX due to over draft fees. I have talked to the branch manager and so many others in regards to this matter, I e en contacted the company that messed up my checking account and they informed me on XX/XX/19 that the money will be sent back on the debit card. Here is another problem I was told that anything that is trying to go back on that card will be rejected. Now what else do I do when I'm trying to get this situation resolved, it seems like they aren't trying to help me or resolve my issue. I want this complaint to go worldwide because I feel they could have at least accepted the money to resolve this matter. Who's going to help me going forward with this issue??? Usbank isn't trying to help me at this point all they want is to send me to there recovery department to collect on this debt, but they rejecting the compapany that's trying to give me my refund back, why???? They turned their back on me and just wrote me off as a bad debt sending me to there collections department. I really don't think that's fair to me as a consumer or a taxpayer, it's a shame how they handle good customers!!!!!!
I entered into a HAMP modification many years ago. My mortgage payments have stepped up much faster than my income has gone up and I am unable to make such a high payment. I reached out to my mortgage service again to ask for assistance. 

XX/XX/XXXX - I sent in my application. 

XX/XX/XXXX - I received a letter tat acknowledged my complete Loss Mitigation Application had been received on XX/XX/XXXX XX/XX/XXXX - I logged into my account on fayservicing.com and saw language that stated I had " Promised to Pay '' an even higher amount than my normal monthly payment. 

XX/XX/XXXX - I contacted the CEO of Fay Servicing via email. I received a call back from my Account Manager, XXXX XXXX. He stated that an evaluation for modification was not completed as the underwriter determined that I qualified for a repayment plan. I submitted a request for an appeal. 

XX/XX/XXXX - I received correspondence dated XX/XX/XXXX that my request had been received. 

XX/XX/XXXX - I attempted to contact XXXX XXXX, Account Manager, and XXXX XXXX, CEO. I received no communication back. 

XX/XX/XXXX - I still have not received communication from Fay Servicing and XXXX XXXX is still showing on my account as my Account Manager XX/XX/XXXX - I attempted to contact XXXX XXXX, Account Manager, and XXXX XXXX, CEO. I received no communication back. 

XX/XX/XXXX - XX/XX/XXXX - I again attempted to contact XXXX XXXX, Account Manager, and XXXX XXXX, CEO. I received no communication back.
To whom it  may c oncern, I faxed over a multiple inquiries letter  XXXX   XXXX ,    2017  and  XXXX   XXXX ,  2017 in   order to dispute information, in regards to over  XXXX  hard inquiries that was placed on my credit report. They received the letter the same day since it was faxed. They completed the request  XXXX   XXXX ,    2017.  The request I submitted was over  XXXX  hard inquiries that were not factual and I received the same response, " according to the FCRA rules, fcra  623 ( b ) ( 2 ) and 611 ( a ) ( 1  ), it states that any information can be disputed and MUST be investigated and if you do n't investigate and respond, the CRA must delete the disputed information from the files. The face that I received a response in 4 days after I faxed over my letter, one can assume that there was no investigation. I am submitting this complaint due to lack of investigation into my original dispute for hard inquiries being removed that does n't belong to me. I did not sign for anything! This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.
They refuse to allow a deferment after I submit documentation. They keep reporting late payments to the credit bureau. They are listed on my credit report several times and refuse to delete multiple accounts.
A few years ago during divor ce, Ocwen o btained our mortgage and immediate took our payments from  XXXX  to  1300+. Since divorci ng I tried to modify b ut Ocwen declined. I then refinanced and rolled missed payments into loan. Ocwen raised payments again and I missed a couple mortgage payments due to loss of job. I then tried to semd the missed in and Again asked for a modification since they had raised the payment three times. I was again denied. We are s truggling but filed bankruptcy and are making their payments.  XXXX   2017  I received a letter from  Ocwen stat ing they were raising the escrow to  XXXX  starting  XXXX   XXXX   2017 . That will raise my payment  XXXX  more dollars. Yesterday I received another letter from Ocwen saying that as of  XXXX   XXXX  the escrow would now be going up to {$1000.00} raising the payment {$500.00}. THIS HAS GOT TO STOP. I know what my taxes are they are  XXXX  year the insurance on my house I have several quotes for none of them exceed {$1200.00}. So  Ocwen 's deman for a  XXXX  + escr ow a month is ridiculous!!! They are Crooks trying to take the property we work hard for. Only gone up  XXXX  in the past but my house payment has gone that  XXXX  in the pa st six y ears and now they 're trying to raise it another  XXXX  by next  XXXX   2017 . PLEASE HELP!!!   Please make them modify balance on home, repay some funds, go back down on payment . Seven  years ago my payment was  XXXX  by  XXXX   Ocwen w ant it now to be  XXXX . As you will see the principal and interest is  XXXX   XXXX  the escro w ( {$1000.00} ) is exceeding th e monthly payment and interest. Please stop them!
American Express is not honoring the welcome bonus offer that they keep sending me. I was approved for the card but they are not honoring the bonus that was offered for opening the card and spending a certain amount. I met the terms of the offer.
On XX/XX/XXXX, my vehicle was repossessed by Ally Bank, who is the lender on my car loan. The total amount due is {$1600.00} and {$730.00} in late fees totaling in {$2300.00}. After realizing my vehicle had been repossessed I contacted Ally Bank in attempt to pay my past due balance and redeem the vehicle, and obtain my personal items from the vehicle. I was transferred to the Redemption Department. The agent notified me that at that time, they have no information on the location of the vehicle at this time. The agent advised me to call back within two hours and they would have more information. Within the two hours I called back, after holding for 20 minutes an agent answered to take a message and someone would have to call me back within 24 hours. I requested information on the location of the vehicle in order to obtain my personal belongings, I was denied that information. I called back 3 more times. I was again asked for my information for a call back each time. After attempting to call for information over the duration of 10 hours, when I called back, I learned the redemption department was closed until Monday, which is two days away. I was never contacted ( 10 ) days prior to repossession of intent of repossession. I am being denied access to redeem the vehicle and denied the location of the vehicle in order to obtain my personal property. I believe I 'm being denied in order to accumulate more repossession and storage fees. They would n't even allow me to pay the past due balance.
Repeated phone calls looking for someone by another name. I have had this phone number for over three years. Most recent harassment is from D & A Services, LLC., but they will sell the information to then next set of thugs to continue the harassment. When confronted with the wrong number, they claim " we do n't have this number in the system. '' This is a fraudulent claim, since they had called less than XXXX seconds before and hung up before I could get requisite information to formalize a complaint with their organization. 

If this were an incidental wrong number, this would not be an issue, but this is a concerted effort to harass by so-called debt collectors who keep selling this bad number and refusing to remove it from the database.
This is in response to a prior complaint, number  XXXX  to which the company insufficiently responded. Their response was : " We sent all needed information about each account. Consumer was not satisfied with his findings. We are asking if the loans were paid to only provide us with paid documentation. '' In fact the needed information for verification was not received. That information should include in writing : 1 ) The exact name of the original creditor or successor 2 ) Their mailing address 3 ) Dates of alleged loans, loan numbers and specific amounts together with any payment history Absent receipt of this specific information in writing, we will consider this matter closed.
They called my sister harassing her n yelling at her. Then threatened to record the conversation. They need to b stopped. My sister just got her a new cellphone number n somehow they're calling her.
In XXXX 2016 my entire tax packet mailed by my CPA was stolen from the custody of the US Postal Service. I reported this theft to the Inspector General of the US Postal Service and received a case number. I requested a 7 year Extended Fraud Alert from Transunion, and they and Experian placed this on my credit report, and confirmed same in writing. Equifax has never responded in writing, been uncooperative, and has informed me that they only except a " Police Report '' or " FTC Fraud Affadavit ''. They do not recognize the IG Report for US Postal Service Mail Theft. I told Equifax this is ridiculous that they are the Law Enforcement Agency for Mail Theft. I provided a copy of this report, case number, both other Credit Bureau Letters that state they have accepted my request to place a 7 year Extended Fraud Alert on my wife, and my Credit Report. On XXXX XXXX, 2016 I spent over 1 hour talking to " Equifax , XXXX, XXXX XXXX ''. I was told no 7 year Extended Fraud Alert would be allowed because the US Postal Service Theft Report is not a Police Report. Equifax was looking at the completed explanation letters, Equifax Information form, Theft Report, and copies of photo id, Social Security Card for identification they requested. All these documents were scanned into their system and available for the Fraud Department to review. I sent all this to them by US Postal Service Priority Mail for myself and my wife. Equifax , XXXX said you can not send in a husband and wife notice in one mailing by Equifax Policy, and no action was taken on my wife 's signed affidavit. XXXX said no one responded to my wife 's request because this is against Equifax Policy if a husband and wife send in a letter in the same mailing. The letters we sent included both of our Copy of Drivers License, Copy of SS Card, Copy of Joint Banking Statement, Equifax Form required for 7 year Extended Fraud Alert, and ( XXXX ) other Credit Bureaus saying we have a 7 year Extended Fraud Alert on our Credit Reports. What more does Equifax need? Now they want us to resubmit in separate mailings yet they have chosen to never respond in writing once to my consumer request for assistance with MY CREDIT REPORT. XXXX and XXXX have no problem writing to me as a consumer. XXXX said my wife would have to call in to file a dispute. My wife called " XXXX, XXXX Department '' on XXXX/XXXX/2016. XXXX provided a new confirmation case number XXXX, and she said once again the IG US Postal Service Theft Report does not qualify as a Police Report, and told my wife she would need to go get a Police Report. Who is running the Fraud Department at Equifax? Please help us with Equifax because they are being unreasonable, and unresponsive?
I have not done business with this company and they 've been calling my number about someone else 's bad debt. This company has called for two months now. I have called them on THREE various occasions to inform them that the person they are trying to reach is NOT at my number. Each time they have apologized and said they will remove my number from their records. They have not. Calls continue and I am sick of trying to work with them directly.
Unprecedented case. After 30 years working with Merchant Services, Bank of America, XXXX XXXX, the XXXX XXXX VISA/MC bankcard machine we used during the ... craft show, did not capture XXXX of a XXXX day craft show resulting in lost revenue ( cyberspace ) of approximately {$9700.00}. Our XX/XX/XXXX show ran XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX Tuesday through Saturday. On Wednesday, our credit card machine ( always set to work offline due to poor phone lines at XXXX ) continued to accept customer bankcards from XXXX until XXXX and " batched out '' properly. However, the batch report seemed rather odd indicating a bankcard entered at XXXX and the last XXXX batched out at closing. We immediately notified XXXX XXXX Merchant Services through B of A XXXX. It has been 14 days now and our {$9700.00} remains 'lost ' in cyberspace. Merchant research department, technical department, B of A president in XXXX, XXXX XXXX top leader, XXXX XXXX XXXX office, XXXX and more reps are all unable to locate our funds. They do not know what to do. We are now asking for our {$9700.00} to be put back into our account so that we may move forward to pay our contracted vendors. When the bank asked for more information, we provided XXXX signed receipts with individual charges totaling {$9700.00} including a few cards that may have been declined. We were smart enough to capture phone numbers from XXXX customers per receipt ... but we do not feel it is our job to have to invoice each customer as the bankcards were never declined ... they were simply 'no where to be found '. Bank of America should refund our lost/stolen money and take care of collecting from the customers themselves. It has been 14 days now and the lost authorization receipts have a shelf life of no more than 30 days. Where is our money? Why is B of A shrugging their shoulders and not helping us? We feel, as small business owners we are being treated unfairly when compared to the bigger guys. We are the XXXX ' trying hard to sling our voices towards XXXX ... .Can anyone help us?????