WillisBack/dataset-financial-user-claim huggingface dataset:
Consumer has a credit card with Wells Fargo Bank. 
Consumer used a promotional interest rate of 3.99 % which was suppose to expire in XX/XX/2019.It was solicited by Wells Fargo Bank Consumer has been making all payments on-time. 
In XX/XX/XXXX, Consumer did not receive a billing statement. 
In XX/XX/XXXX, anticipating that a payment is due, consumer still made a higher than anticipated payment which arrived at the bank just two business days late or four days if weekend is in included. 
As a result, bank charged the consumer a late payment fee of {$39.00} on XX/XX/19 statement. 
As a result, bank removed the promotional rate and started to charge a penalty rate of 12.25 %. 

Consumer monthly minimum payment went up from {$750.00} to {$1100.00}. 
Consumer is being forced to pay an interest rate charge per month of {$560.00} instead of {$180.00} thus costing almost {$380.00} additional in interest charges per month until XX/XX/2019. 

Consumer believes that Wells Fargo change in interest rate is a predatory lending practice and is in violation of consumer federal protection act and other federally granted consumer rights. This complaint is not an isolated issue. This bank has history of fraudulent business practices and has been on the news more than any other bank. 

Consumer hereby requests that 48 business hour delayed payment does not constitute a breach of contract to remove a promotional rate from the account. Hence this issues should be resolved by re-implementing the 3.99 % interest rate, returning {$39.00} late payment fee. 

Consumer also request that bank changes its promotional offers, be more transparent regarding its penalty rate. No one has an idea if they miss the payment by one hour or 96 hours are likely to incur penalty interest rate. Bank needs to define that payment needs to be missed one or two billing cycles. This period can not be in hours. This is fraud and abuse. 

Consumer intends to fight this charge through all available channels if this issue is not solved. My concern is how many others are in the same shape when as a physician and with business degrees, I am a savy borrower who has NEVER missed a payment for over two decades. 

I can be reached via XXXX XXXX XXXX XXXX
I would like to file a formal complaint against XXXX XXXX dba CareCredit. I mailed my XX/XX/XXXX payment of {$200.00} via check # XXXX on XX/XX/XXXX, which XXXX XXXX dba CareCredit applied to my account on XX/XX/XXXX and which cleared the XXXX XXXX XXXX on XX/XX/XXXX. I mailed my XX/XX/XXXX payment of {$200.00} via check # XXXX on XX/XX/XXXX which XXXX XXXX dba CareCredit applied to my account XX/XX/XXXX and which cleared XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX dba CareCredit then charged me a late fee of {$38.00} and additional interest on the XX/XX/XXXX statement and further sent me an email on XX/XX/XXXX claiming I had missed the XX/XX/XXXX payment. I mailed my XX/XX/XXXX {$200.00} payment on XX/XX/XXXX as usual and which cleared XXXX XXXX XXXX on XX/XX/XXXX, so who knows what XXXX XXXX dba CareCredit will come up with on my next statement. 

This is after XXXX XXXX dba CareCredit charged interest each month during XX/XX/XXXX after agreeing to a changed payment date until I filed a formal complaint with the CFPB, when they finally removed the late charges after blaming me for their incompetence in their reply dated XX/XX/XXXX from XXXX XXXX. Additionally, XXXX XXXX   dba CareCredit failed to reply to my correspondence sent to their website link on XX/XX/XXXX until XX/XX/XXXX ( 7.5+ months ) and then finally blamed my for their incompetence in their reply dated XX/XX/XXXX from XXXX XXXX . Because of their failure to respond to my original request for almost 8 months, XXXX XXXX dba CareCredit has now added back interest to the account virtually doubling the amount due for my XXXX XXXX. 

Please require the following of XXXX XXXX dba CareCredit : 1.  Remove the late fee of {$38.00} charged on the XX/XX/XXXX statement 2. Remove the interest charges of {$1000.00} and {$1200.00} from the XX/XX/XXXX statement 3. Permanently remove the interest charges of {$1000.00} and {$1200.00} shown on the XX/XX/XXXX statement for a minimum of 8 additional months which are a result of XXXX XXXX dba CareCredits failure to respond to my XX/XX/XXXX complaint for 8 months last year 4. Charge no interest for the next 8 monthly billing cycles due to XXXX XXXX dba Care Credit 's failure to respond to my XX/XX/XXXX complaint in a timely manner
FedLoan Servicing. My XXXX loans were through XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once I graduated with my XXXX  Degree FedLoan Servicing had my loans. They told me I had to consolidate everything for Public Service Loan Forgiveness. I consolidated in 2011 and since that time worked for a XXXX XXXX making payments which continued to increase each year as expected due to income driven repayment. Each year when I would certify they would tell me I had not done the certification in a timely manner and would say I owed about 900.00 ( two payments together ) or would make me take a monthly foreberance and take a hit in interest and principal. This happened for 5 years total. I have now also been made aware that because I was told I had to consolidate I missed the opportunity of loan forgiveness through XXXX. This has in return caused a significant increase in my student loans which are currently about 72,000 which FedLoan Servicing continues to service with outrageous interest rates and all my penalties in 10 years I will have paid almost 200,000.00 Each year I dealt with this gross misuse and unethical practices and threats. I have each certification from my HR rep and notes in my FedLoan account about my continued concerns for not being given the correct information or slow processing times and then being threatened with fees or outrageous payments. Thank you for any help available.
I purchased several money orders from Money Gram for which a " service fee '' was charged once the money order had not been cashed within XXXX year ; however this fee was not diclosed upon purchase of the money order it was only diclosed once I requested a reissuance of the original money order. Had the additional fee been diclosed I would have elected to purchase the money order from a competitor, specifically XXXX, in which this fee could have been avoided.
I received an initial demand letter from State Collection Service dated XX/XX/2018. My husband contacted their agency the following week and spoke with a XXXX XXXX ( legal supervisor ). He asked if their agency was aware that the debt was disputed in the last 20 days with the previous agency she stated no and they were not made aware by either the previous collection agency or their client ( XXXX XXXX ). After discussing the account with XXXX XXXX for over 10 minutes my husband asked if she knew who she was speaking with and she stated XXXX. My husband explained to her that he was not XXXX and she continued to address my husband as XXXX four other instances. When asked if she was aware that she had violated third party disclosure laws by not verifying who she was speaking with, XXXX XXXX responded by saying she did and then stated that the agent who transferred the call told her that she had done it. My husband explained that no one asked who they were speaking with at any point and that she had released personal information relating to the debt and asked to be transferred to her manager. XXXX XXXX stated that would be XXXX XXXX but he would not take or return the call as we claimed there was an FDCPA violation. We requested that she go back to the call and review it for quality control to verify that she did violate third party laws but she stated their agency does not record any conversations. This is the second agency we have requested validation of debt from only to have no one return our calls or provide any documentation.
I opened a secured credit card with my own money with Capital One and later decided to close the account because they were charging high interest on my own money. They close the account and report a balance of XXXX on my credit report.
I got this message from my sisters they called her regarding my debt with Aspre visa from XX/XX/XXXX I filed XXXX with what was suppose to be account insurance and never heard any more from them as I was very sick I did n't think anything of just figured they 'd been paid by insurance. I was in XXXX and an still in XXXX under doctors care. I never gave them my sisters phone number where they got in not sure but I called the number she got from them and learned it was aspire visa it was over 7 years I never heard from them. I 'm XXXX they know that insurance should have paid. They collected fees from XX/XX/XXXX to XX/XX/XXXX on account for this coverage in case I became XXXX it 's like insurance fraud selling bogus insurance to card holders. 
, I got a call from someone regarding XXXX and they are filing suit against you and were going to send the papers here for signature. I told them that you are out of the country. This iis a civil suit. they left a phone number and it is XXXX XXXX and your case file is XXXX. I guess you need to call them. This sound serious. So you should address it. Thanks Love You, XXXX
Under the new law effective XXXX XXXX, XXXX credit report agencies reporting any public records must contain name, address, SSN or DOB in order to appear on credit file. All XXXX credit bureaus have failed to update information per new law. Bankruptcy on file does not meet law requirements and needs to be removed from consumers credit file.
1. ) What is this complaint about? Illegal and Unlawful foreclosure 2. ) What type of problem are you having? I am having problems having authorities look into the procedures that were used to dispossess me from my property. It is my belief that the participants are debt collectors who do not possess the standing nor are real parties in interest and have conducted fraud against me and the court. 
3. ) What happened? My real property interest was wrested from my in what I believe was an illegal and unlawful manner resulting in me being dispossessed from my home. 
4. ) What company is this complaint about? XXXX XXXX XXXX 5. ) Who are the people involved? XXXX, XXXX, XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX 


On or about XXXX XXXX, 2012 a foreclosure action was executed against my property in what I know to be an unlawful foreclosure by a third party debt collector. The foreclosure was initiated by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX through their agent ; a Law Firm by the name of XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX are NOT a Creditor/Lender or A Mortgagor of mine, nor have I applied for or either received any services or credit with the aforementioned.XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX are debt collectors who do not possess the requisite standing or real interest to sue for possession of my real property in a court of law. The collection of this debt was attempted in violation of the FDCPA 15 USC 1692 ( g ) and all corresponding consumer protection laws. 

The aforesaid entities have only provided copies of documents that are available through the public records that are easily accessible to anyone. I assert that those documents are forgeries and I am demanding that the debt be verified under penalty of perjury pursuant to the Fair Debt Collections Practices Act. 

The above named entities have not, nor have ever cooperated in the verification of the debt, nor have have not presented unimpeachable evidence that they are truly a creditor with standing to sue in a court of law.
This account is not mine. This company is in violation of FCRA by reporting false information. I have never heard of this company and have never done business with them. I have not received a dunning letter before attempting to start collection practices. I will also be contacting my state 's attorney generals office in regards to this erroneous reporting and this company business practices as well. Midwest Recovery VIOLATED my rights under FDCPA rules by NOT NOTIFYING me of this attempt to collect a debt. They have until the end of next week to remove the erroneous reporting off the three major credit bureaus or I will file a lawsuit. I have send my attorney a copy of the this complaint as well. Please give this the immediate attention it deserves.
On XX/XX/XXXX I spoke to CS rep. They were charging me since XX/XX/XXXX a card protection fee I said I did not approve this charge, the women said that it would be refunded back to the beginning when the fee started XX/XX/XXXX, in the amount of {$400.00}. Two weeks later I received a letter stating they would on go back 6 months. They credited me {$25.00} total I think this is unfair and unjust please help. 
Thank you XXXX XXXX
I filed bankruptacy XXXX XXXX XXXX ; # XXXX due to faud from XXXX XXXX XXXX in Fl. They cashed XXXX checks made out to XXXX XXXX group. I presented the copies. XXXX was going to " help me save your home due to the Obama help women save their home program ''. They never sent my payments to OCWEN : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX # XXXX. I was so excited to save {$400.00} a month on my mortgage that I gave the information to XXXX XXXX, XXXX, CO. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX did the SAME thing to her. However, her loan is with XXXX XXXX, and it has been fixed. She had a nasty divorce. I am a widow. XXXX is taking advantage of women! Ocwen said I owed them XXXX in XXXX. I hired XXXX {$4300.00} to help me. I have made 12 payments ON TIME and my XXXX payments ON TIME. Ocwen returned my XXXX payment saying I was LATE in XXXX They cashed my on time XXXX payment.. I visited XXXX, sent Ocwen {$2000.00} for XXXX and {$2000.00} for XXXX. I called them with a witness. They want {$72000.00}. or want to auction my home!! WHY?? PLEASE HELP. My XXXX yr old mother lives with me ... ..I filed social security EARLY JUST TO SAVE MY HOME. The rest of my life this XXXX XXXX Veteran widow will get {$450.00} less because of OCWEN.
Someone called my job asking for me would not say what company they were with but said they were trying to serve me with papers, that I was being sued.so this scared me I did not give any info, and ended up arguing with the lady on the phone because she would not tell me what company she was with. I told them not to cal my job anymore and gave my cell number. They called my cell left me a nasty messages again they were going to call my boss and let them know I was getting sued. I called the number back and found out it was a company saying their name was of XXXX and they were attorneys hired by ace check cashing and they were coming to my job to serve me.i was outraged and told them that was outrageous and not to call me again and threaten me
Collection agency continues to try to collect on a debt that does not belong to me and was never my bill. The original creditor has attempted to assist me with getting item removed from credit report but collection agency refuses to assist either of us in getting matter resolved. Original debt was established by someone visiting emergency room and using my personal information to get service. No identification was provided or signature from the individual. I have disputed debt with all bureaus and they continue to resell the debt and will not remove it from my credit report.
Inadvertantly found out through local court system that they are trying to issue a civil warrant for my husband and I. showing on court website that a civil warrant has been issued for us. it lists XXXX and the attorney who filed complaint against us. so I XXXX the attorney and call the number. they answer as Wakefield and Associates of XXXX tn. I give ss number as I have no account number and they tell me that im being taken to court over a medical bill from 2012 to XXXX XXXX. I ask why I had not been informed of debt, and lady tells me that they dont have to inform you of anything. they have never sent anything to me regarding the debt, not even a phone call. Just automatically sue for XXXX thats after theyve added fees and interest supposedly. How can this be legal. I called my medical isurance, they needed a form filled out, and would then pay the claim, but Wakefield and Associates says we still have to get sued. i dont even know the amount of debt owed to the original creditor.
A glitch that occurred with TransUnion caused all of my Credit inquiries to be deleted. Transunion later added them all back onto my credit report without giving me the legal required written notice 5 days prior to them re-adding them. I contacted transunion in good faith to ask them to remove the inquires that were illegally re-added. These inquiries add a hardship for me, and my rights were violated by transunion. I ask for your help in stopping transunion of victimizing me.
XXXX continues to report an account that was discharged in my Chapter XXXX bankruptcy discharged in 2013. This is showing as a collection on my XXXX account. I have disputed but they refuse to report accurate information on my credit report.
Getting robo calls from this company stating my file has been sent to a litigation specialist for final review and further recommendation since I have not responded to them. I have no idea who they are. Never received proper notification via normal FDCPA requirements. Does n't state name of the company or any other info except to call if I want to include a personal statement on this file before further action is made.
A new bank took over from the previous one, from XXXX to visa ( fidelity credit card ). I setup auto-pay but they failed to take payments, failed to notify me of unpaid balances. I had been a customer for at least 5 years, maybe 10, never late, always paid balance in full with auto-pay. They cancelled all fees and interests once I called them, however they refused to undo their reporting to credit reporting agencies. It turns out that while they did not feel necessary to communicate with me for the unpaid balance issue, it warranted immediate notifications to credit agences. They refused to reconsider this action. It is unacceptable that a corporation can at their whim damage my credit report with the only recourse that I have is a lawsuit.
a law firm filed a bogus credit card debt through lvnv funding while i was in texas and reieveid a default judgemenet. when a i returned i filed a motion that to set aside the judgement, the judge denied the motion. i called the aledged company and they in formed me that they do not issue credit card and had no records of any such transaction. i mailed the collection agency and their new law firm a debt validation and cease and dessit letter, their response was that the default judgement was thier proof. they are garnishing my wages with the courts help the court refuses to recognize federal and constitutional law, as well as ignored my request for due process.
XXXX has the incorrect spelling of my name and Late payments posted with XXXX XXXX XXXX XXXX XXXX reporting inquiries not made and late payments with XXXX XXXX XXXX XXXX and XXXX XXXX
This has been an ongoing battle with XXXX and Experian I have disputed information, submitted ID Theft Affvaidts and police reports ; they fail to delete items however the remarks say : '' re-investigation in process '' The accounts that are not mine in it related to Identity Theft are : XXXX XXXX, XXXX XXXX ( two accounts ), XXXX XXXX XXXX ( I do not have any children ), XXXX, and XXXX XXXX XXXX XXXX.
Years ago, I got a credit card with my then fianc. In XXXX, we split up. I called Chase and asked what I had to do to be removed from the card. I was told that I had to fill out some paperwork and have the primary ( my ex ) sign that I can be removed. This was done and sent in. In XXXX, I got a job that did a credit check. They came back that I had a Chase card in collections. I never received anything from Chase via mail or by phone. So again I called Chase and asked them what I had to do. They told me to send in some more information, which I did. Again, I did not receive anything. Recently, I applied for pre-approval for a mortgage. I was told that it was on my credit report, in a charged-off status. I again called Chase. This time I got a women that kept telling me that I can not be removed and that it was against their policy to remove the secondary even if the primary gives permission. She got ever snotty with me when I told her that years ago ( XXXX ) I was told I could. She told me that they have my paperwork but it is against their policy. I asked for a manager and she told me that there was not XXXX there. I told her to make sure that the conversation in XXXX in reviewed and she said that it would not matter because it was against their policy. I want to be removed from this account like I was told I would be years ago. I never used the card. I never received anything stating that it was not getting paid. I never got a phone card or any mail.
Equifax is reporting inaccurate info on my credit file from XXXX XXXX XXXX. I have disputed this negative info for the past couple of years and provided supporting documentation yet nothing has been done. They are reporting late payments for XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX which is n't correct. I have attached file to support payment history.
I had an American Express prepaid XXXXcard that loaded with my own funds. I used it to upgrade a previously purchased XXXX XXXX ticket ( {$860.00} ) for another about {$270.00} to include a stopover I wanted ( total ticket price : {$1100.00} ). Due to a change in plans, I then had to cancel the whole ticket. XXXX XXXX refunded the entire ticket price to the prepaid REDcard ( instead of just the upgrade fee of {$270.00} ). 
When American Express saw this, they immediately closed the account and froze the funds, accusing me of " fraud ''. I called everyone in the company I could to try to resolve but was met with indifference and lies such as " we do n't know where the money is ''. It took weeks until XXXX day a check showed up at my house refunding me all of my money I loaded into the account, minus the {$270.00} I used to upgrade my XXXX ticket, which American Express claimed was " sent back '' to XXXX together with the base fare of {$860.00}. 
Meanwhile, XXXX XXXX claims they never got any refund " sent back '' from American Express. I 've called American Express countless times but i am either ignored or told that " they do n't know ''. 
I am still waiting for the the refund of {$1100.00} that American Express claims to have " sent back '' to XXXX but XXXX insists it never received it. 
Worst of all, American Express NEVER made any attempt to contact me to verify the charge. Instead, they immediately shut down the account, accused me of " fraud '', froze the funds for weeks " pending investigation '' ( for which I had no say nor any opportunity to explain ), and then only refunded to me part of the funds that were in the account.