WillisBack/dataset-financial-user-claim huggingface dataset:
This is a follow up to our complaint # XXXX. We contacted Wells Fargo and have now reached a dead end. Wells Fargo has given us an ultimatum of either we sign false documents or lose our home. Recently we spoke to a representative from Wells Fargo who was belligerent and heaped lies after lies. We requested not having to deal with her again. Our request was granted but today speaking to someone by the last name of XXXX he reversed what we requested. If we do not sign the documents that contain false information the Bank will return the funds the Federal Government helped us with through XXXX and then will foreclose on us. This is nothing short of blackmail. Either we sign false documents or lose our home. There was a representative we had spoken to who was belligerent and heaping more lies upon lies. On the person we requested not to have to deal with whose name is XXXX. XXXX XXXX has assured us that he will report to all the agencies we have complained to, that we have refused to communicate with Wells Fargo. I am reporting that this is a lie, it is only XXXX person at Wells Fargo we do not want to deal with. Beware of this lie that Wells Fargo is planning to tell you. Thank you.
This company is a collection company working for  XXXX   XXXX . There have been several other companies hired by  XXXX   XXXX  and I have had to go through this.  XXXX   XXXX  hired an independent  contractor  to install a  XXXX   XXXX  system in my residence   in 2012. The representative vandalized my h
ouse. He placed the dish on the roof of which he damaged and was instructed not to. He did a horrible job of stapling cable across my house, of which he was instructed not to do. He made 3 holes through the exterior of my house instead of using the exist  ing one. He threw my storm door open in the wind, of which ripped it off.
I have been through this numerous times with different collection companies. I do not ow  e them anything because this was never made right with me. I do not owe this company to vandalize my residence.
I have been a customer with suntrust for 10 years. I'm trying to open up three disputes on my credit. Every time I call the rep does not know what they are doing. Normally would only take 5 mins or less and dispute form is emailed. The three disputes are XXXX for XXXX. XXXX for XXXX and XXXX for XXXX XXXX. 

One rep wanted me to hold while he reviews 12 months of notes my account. The manager on the phone didn't know how to open a dispute. One woman couldn't understand to save her life she didn't even understand when I asked for a manager what I was saying. The last person even hung up.
I have Disputed an account XXXX XXXX acct # XXXX with trans union because the account was paid off in XX/XX/2018. Transunion still show a balance on the account that should show a XXXX balance.
-- -- -- -- -- Forwarded message -- -- -- -- -- : Complaint against Wells Fargo. 





This is a complaint with Wells Fargo Bank regarding my Visa Credit Card number. 


I don't have the exact dates for the first two times this same problem came up on my account but for the third time I do. 

On XX/XX/2018, there was a deposit into my credit card account for {$300.00} that was made in branch in cash. The number for that transaction is : # XXXX. I called the bank ( Wells Fargo ) and explained the mistake was not my deposit. Finally, on XX/XX/2018, the deposit was reversed and that transaction number is : # XXXX. This was the third time this same amount has been posted to my account in error and takes at least 4 - 6 weeks to resolve it. 

Now on XX/XX/2018, there was posted to my same credit card a " Payment Reversal '' in the amount of {$280.00}. The number for that transaction is : # XXXX. I have called the bank several times trying to get this resolved as this payment is not mine to begin with. I have no idea where it came from and why it is added into my balance. I have explained this in detail to several different people in Wells Fargo, at their customer service number : XXXX. Each time I have called this number and explained the issue, I am transferred to several other areas that are suppose to resolve this issue. I get the same response : Someone will get back to me and get this issue resolved as they recognize this is a banking error. 

I have yet to be called back, sent an email, or rectified my account with this {$280.00} payment reversal. The last call was on Saturday, XX/XX/2018 and I was assured I would receive resolution on XX/XX/2018. I have yet to receive that call and the {$280.00} payment reversal is still on my account.
the company loan care took out a double payment and will not refund it. they told me 3-5 day and then i called back and they said they could not refund it. they have cause my bank account to be over drawn and a ripple effect. my payment is XXXX they took out XXXX of them. the second issue they are trying to raise my house payment by charging me a closing cost and mortage insurance that i already have ..theres is more money, might i add. my house is worth {$68000.00} and i have it insured for {$210000.00} which is way more than enough. XXXX which is my insurance company tryed to call them twice and Loancare told them to mind there own business.who treats people like that? we live pay check to pay check and im XXXX and we have XXXX small children.it has caused us panic and unnessary stress.please help us
About 2 months ago I called Navient because my loans came due and I finally am in a place financially where I can start paying them back But, the crux is I can not give these people $ XXXX- {$800.00} dollars a month, I 'm sorry that 's more than my rent! So I started the process of consolidating all of my loans ( Even my private loans I made sure of that ) and getting a lower payment. My payments were n't supposed to start until next month, XX/XX/XXXX ... they lied to me about that, I got a bill for this month and paid it ( {$160.00}, I wo n't complain about that ). The problem is I have been getting calls at my home, my parents home, and my job from XXXX , XXXX XXXX XXXX, an attorney company that deals with defaults and collections. It seems someone had sent one of my private loans to them for collections. 

I called them back to set up a payment plan and they refused to listen to me or work with me. The bill is around {$1700.00}. And " they can give me a deal and I can pay it off today for {$1500.00}! '' Yeah no, I 'm sorry I do n't have that kind of money to give them, I am still in the process of rebuilding my life financially and that 's not a deal. After arguing with the boy on the phone for about 30 minutes i finally got him to concede that i was not going to pay that, So I set up a payment plan to pay them {$50.00} a month so they would stop harassing me and my family. 

Now, here is the kicker, I am being charged TWICE for the SAME LOAN! when I went online to check my statement I noticed that Navient was attempting to charge me the the full amount of the exact same private student loan of {$1700.00} ( Even though my consolidated amount due shows {$10.00} ) that the person at this company had argued with me about. This guy on the phone at the attorneys office had told me flat out that Navient had lied to me ( which they do consistently I am not surprised when they do, they do n't teach their techs anything ), and that it is impossible for my private loans to be consolidated, I am unable to do that, and it was sent for collections, this man basically called me an XXXX and said it was my fault I was in default even though I have done everything right. I get it, they deal with liars on the daily, but I am not one of them. 

So now I am paying this attorney and Navient for the same loan, and that 's not right! And this is not the first time! XXXX 2015 I had to track down the VP of Navient ( on XXXX ) and I lost it, they harassed me and my family while I was unemployed and in school to pay loans I could n't pay on and they knew all of this, they knew I had no income and that I was in school and they still tried to come after me.
The company Monterey Financial has continued with attempts to collect a debt that was included in bankruptcy as XXXX XXXX2016. They have gone as far as reporting this debt in different amounts twice on my XXXX credit report on XXXX XXXX, 2016 after the filing date of XXXX XXXX which violates the FCRA along with repeated phone calls violating the automatic stay from the bankruptcy filing. They have also verified that this account still has a balance and is not included in bankruptcy on all XXXX credit reporting agencies which is another violation.
I was contacted by XXXX XXXX XXXX stating that I owe a student loan debt. They have no paperwork as to how they arrived at this astronomical sum. I requested paper work and they said they would send it. They did not and proceeded to garnish my wages.
My debit card was compromised on XX/XX/XXXX for over {$300.00} on XXXX different transactions. I was then promptly charged XXXX overdraft fees. But before those even, I had enough money to cover XXXX transactions on XX/XX/XXXX. I paid a cable bill for {$170.00} online and then made an atm withdrawal for {$60.00} which according to my ledger at home and online I would have had {$9.00} left. The bank charged me XXXX overdraft fees for those XXXX particular transactions when I clearly was not overdrawn. This whole fiasco was unnecessary and has caused this single parent unwanted stress and inability to care for my kids the way I have been able to up until now.
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1200.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$620.00} + Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has  resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDEWEST RECOVERY I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California XXXX collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL XXXX
XXXX XXXX from XXXX XXXX XXXX called after I got off a graveyard shift. He was trying to collect a debt. I explained I didn't have the money and not sure about making a payment arrangement due to my situation. He said I didn't seem to want to resolve the issue. I tried to probe further. My thoughts were how do you possibly know I don't want to resolve the debt. He said they would take further action, but didn't say exactly what that is and I feel that is a deceptive practice and dishonest. He also hung up, so I never got to ask what he meant by further action. Is it more calls to collect the debt, lawsuit, etc. I have no clue. Maybe he had no interest in resolving the debt with other means. I hope I can file a lawsuit for either harassment or deceptive practice.
Obtained refi from PHH mortgage on a mortgage PHH already owned and serviced for a rental property I won. Despite already servicing it, and knowing it was a rental, PHH sent first payment coupons to the rental address ( they had and knew my actual mailing address ) and then only 6 weeks later forwarded the coupons and claimed " my address had changed ''. See attached. my address has not changed. Not sure if this is part of scheme to defraud customers by having them make late payments but it is gross negligence and incompetence.
My name XXXX, I 'm victim of identity theft and found out Chase Bank manager at XXXX, in released my personal information regarding deposit amounts, debit card info to XXXX whom stole my personal information. They drained my accounts and when I went to manager there I was told they were ending there relationship with me because I wanted to file a claim and asked for transaction history on my accounts that he refused to give me. This is just the beginning and have received XXXX threats as well by those who stole my Identity. Please contact me asap and will provide documents.
XXXX our mortgage was sold to Statebridge Mortgage company. We have been current on our mortgage since we have bought our house. We received a notice of short escrow payment from our mortgage company. We tried contacting them to resolve the issue they are not replying back to us ; escrow department does not take phone calls. What we have understood from the escrow shortage notice Statebridge Mortgage company place a forced place insurance on our house in XX/XX/XXXX they have been charging us {$340.00} quarterly for whole XXXX. We informed Statebridge Mortgage company 's escrow department of this issue in XXXX XXXXand provided evidence that we always had our own homeowner 's insurace through XXXX since we bought our home. Statebridge Mortgage company 's Escrow department assured us they will resolve this matter ; it 's been 9 months and still they have n't resolved the issue and credit back our account for falsely charged homeowner 's inurance ; and now they are demanding to raise our mortgage payment from {$1100.00} to {$1400.00} for one full year. This is unacceptable ; we have tried talking to them but escrow department is not responding. We are reaching out for this issue to be resolved ; mortgage company should take this matter seriously.
I had a judgement made against me that I paid to a debt collector XX/XX/XXXX. XX/XX/XXXX I started receiving letters and calls from Midland Credit Management that I owed them the debt that I had paid to the other agency. I did not give them any money but they kept calling, sending letters and had an account added to my credit report until XX/XX/XXXX. Finally, I resolved the issue threatening legal action but a note should be made that they harassed me for years and would never just call and see that the debt was paid. I had to pay exorbitant interest on my car because of the account they made on my report and they refused to remove because they wanted me to pay. 
Thank you
SW Credit is trying to collect on a debt that is included in my bankruptcy. The original debt is to XXXX XXXX and they are included in my bankruptcy.
I cosigned for a car XX/XX/XXXX from Santander Consumer USA. I found out the person who I cosigned the car for wasn't paying the note so I put the car up for voluntary repossession approximately XX/XX/XXXX. The person ended up skipping town with the car and on XX/XX/XXXX he was arrested for XXXX XXXX XXXX in New Mexico. The crime happened in XXXX, Arizona so the car and the young man were transferred there.  The car was involved in the crime thats why they took the car as well. I've been in constant contact with Santander to try and get this issue resolved. I've also been in contact with the XXXX  County police department in regards to the car. They had told me they couldn't release the car until the trial was over. The trial ended sometime in XX/XX/XXXX and I was able to get the location of the car and a case number for Santander to pick it up. I also spoke with the detective who has been waiting for Santander to pick it up. During these past few years Santander has not sent me any mail regarding the car, no bills nothing. Ive had someone work on my credit and Santander was supposed to send a letter back within thirty days and I never got anything from them. I get no type of communication from them. I called Santander today just to get my account number. They explained to me they have been trying to get in touch with the officer who has the car and that they had been calling him when I asked when they called they hung up on me ( XX/XX/XXXX). I I had told them once they get the car back we could work out something because im trying to buy a home and this is the only thing stopping me. in the year XX/XX/XXXX they reported me late on this car payment three times which makes no sense because it hasnt been paid at all. It should be late 12 months. Im trying my hardest with them but I never get anywhere. They dont seem to want to pick up the car and they dont seem to want to communicate with me about it.  The situation is pretty unfair and im trying to resolve it but i keep coming up short with these people. I have no documentation except police reports and a few bills from when I first got the car but other than that they have not sent out any correspondence in regards to the car.
In XX/XX/XXXX I made a payment for my loan. The company is trying to claim it got declined, but I had the money removed my account and not returned. I have made a payment every month to them ; on two accounts they took two payments when I authorized only one. I had one of each of those returned, but the other payment remained active. I was told BY THEM that I had to file with XXXX for a return, which they have the call recorded of me being told this. I did that, and now theyre claiming I didnt pay, when my banking accountant statements say otherwise. I went through my receipts every single month, and yes, there is a payment to them for every month. I have also sent them the evidence and required paperwork, but they refuse to acknowledge it. I do not owe them ; if anything, they owe me, and the EXTREME negligence in the handling of my debt needs to be handled by someone else, as obviously theyre too incompetent to do it themselves. I am harassed every month since by them when I do not owe them for an errant month.
My wife and I received a refund check from the IRS. Today, XX/XX/2017 AT XXXX XXXX I attempted to cash at our local BBT ( XXXX XXXX XXXX, XXXX, GA XXXX ). The teller, who identified herself as XXXX, refused to cash the check because my wife was not present and her name was not on the account. I asked to speak to the manager about cashing the check, and was told no manager was in for me to speak with. 
My wife 's name is not on the account because we tried to place her name on the account, but as her immigration status is pending ( she is legal and in the process of establishing permanent naturalization ) the bank refused to put her name on our account. My wife was not with me because she is the mother of XXXX young children, XXXX XXXX XXXX XXXX XXXX, and can not drop taking care of our children to hop in the car with me. 
I would have less of an issue with this, except for the fact BBT has cashed checks ( including from the IRS ) made out to myself and my wife in the past with no issue as long as my wife has endorsed the check ( this check was endorsed by my wife ). They deposited to my account and then gave me the cash back. 
For a resolution-please cash the check my wife has endorsed, even if it is just me in the drive through! I am happy to bring my wife 's driver 's license or paperwork, but it is difficult for us both to leave the house, put the kids in the car, simply to cash a check.
A former employee, used my personal Home Depot card to purchase items for herself, she was also in charge of paying the bills for that card. During the XX/XX/2013 she stole my identity and opened up several credit accounts. She was also embezzling money by entering payments to home depot but not actually making payments. She admitted all of this in court, and I was told by the judge it would take some time but I could not be held liable for her charges. I myself made payments to the Home Depot covering all the items that were purchased. However during the period she was embezzling the account was accruing interest, and late charges. The representatives from Home Depot are refusing to work with me on this. Eventhough they allowed another person to use my card at their store with out ever asking for I..D or any prior authorizations. I have lost so much over all of this, I had to work countless hours to save my business. I let them know that I was pressing charges and they could submit for restitution on their behalf, which is what the XXXX other credit card companies had done. They refused, told me they did n't offer that even though they are a subsidiary of Citi Bank which was another fraudulent account that was opened who submitted for restitution. I received another letter from Home Depot saying they would still be holding me accountable, and they did not care what any judge decided and that I should maybe turn it into my insurance.
I was sued in XXXX court for a debt XXXX XX/XX/XXXX. The original debt was from XX/XX/XXXX. I appeared, the judge ruled against me, and they attempted to garnish my wages. I have filed an exemption which has prohibited them from successfully garnishing these wages every year every pay period since. They have renewed this debt yearly, in court, without my knowledge or notification of each new hearing. So I have never been present since the initial XX/XX/XXXX hearing. The debt now exceeds XXXX! They have frozen my joint account, and again I was not notified of this intent. I have learned there is a 10 year SOL in West Virginia on collection of a debt like this which would have expired XX/XX/XXXX. 2 years ago! How can the court have judged against me? How can Martin & Seibert in XXXX WV continue these shady collection practices, and through the court???
The XXXX XXXX XXXX # XXXX listed on my credit report is reporting inaccurately.

This item has been re-aged. According to the FCRA this item is to be removed by XX/XX/XXXX. See attached print screen of my XXXX report dated XX/XX/XXXX. However on my Equifax it has been re-aged and now lists with recent 120 day lates on XX/XX/XXXX and XX/XX/XXXX. Attached is also a current print screen of my Equifax report dated XX/XX/XXXX. I've also included a previous Equifax report that does not show any recent lates.
Wells Fargo has a HELOC attached to my home at XXXX XXXX XXXX XXXX XXXX, XXXX CO XXXX. The draw period has ended ( 10 Years ) and now Wells Fargo has offered a 30 Year Fixed repayment period at XXXX as of XXXX/XXXX/2016. It turns out that in addition, they charge a per diem rate of XXXX daily on the account as well. This is usurous and I can not afford it and it was misrepresented to me. I was told by customer service as well as letters that I would now be responsible for a monthly fixed payment of {$620.00} per month for 30 years and that would repay the loan in full. I do n't see how this can happen if there is also a monthly accrual of daily interest being collected as well. When asked for a copy of the amended note to the line of credit, I was told no.